Banking and everyday money guides
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9 guides found
Opening a Hong Kong bank account
Check the bank's account-specific requirements rather than assuming one universal checklist.
Banking and everyday moneyUnderstanding credit-card repayments and fees
Look beyond the minimum payment to interest, due dates, and transaction charges.
Banking and everyday moneyMotor accident insurance: evidence, excess and claim disputes
Prioritise safety, report the accident and notify the insurer, then check coverage, excess and written claim decisions.
Banking and everyday moneyThe cost of owning a car in Hong Kong: a complete household budget
Budget parking, insurance, licensing, energy, repairs, depreciation and finance alongside actual use.
Banking and everyday moneyElectricity credit remaining? The end-2026 deadline and moving home
Check the electricity account's credit, expiry and closure rules; past credit is not a new monthly cash allowance.
Banking and everyday moneyAsk about low-balance fee exemptions: identify the actual charge
Low-balance fee protection for vulnerable customers differs from free banking for every service; ask with the actual statement.
Banking and everyday moneyRepayments becoming unaffordable: debt list, lender discussion and counselling
List due dates and essential living costs, then approach lenders and recognised counselling; do not assume government debt clearance.
Banking and everyday moneyA tertiary non-means-tested loan: eligibility, borrowing and repayment planning
NLSFT still has course and residence conditions and acceptance documents; check interest, administration charges and indemnity responsibilities.
Banking and everyday moneyRequest a personal invoice in the mainland: ordinary fapiao, recipient name and official verification
For personal spending request an ordinary invoice for the real transaction, distinguish order, receipt and fapiao, save electronic files and ask the issuer to correct errors.
Written for the next step
Compiled by HomeHK with context, practical steps, and official sources. Guides distinguish Hong Kong, Macao, and mainland arrangements. Dates describe the content's preparation, not daily official verification.
Check the official page before acting
Fees, eligibility, capacity, and timetables change. Each guide links to official information for a final check. Seek appropriate individual advice for legal, tax, or medical decisions.