The Bank of East Asia

Personal Banking

Cross-Boundary Wealth Management Connect

BEA Cross-Boundary Wealth Management Connect (Southbound)

Powering Investments from a local perspective

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heading What is WMC?

The Bank of East Asia Limited (“BEA”) launches the Cross-boundary Wealth Management Connect (“WMC”) services – Southbound. Residents of mainland GBA cities can invest in eligible investment products distributed by BEA by opening designated investment accounts with BEA.

heading Southbound Scheme Eligible Investor:
  • Valid household registration in any of the 9 GBA cities1 in Chinese Mainland or can provide at least 2 years ‘payment record of social security or personal tax in any of those cities;
  • Over 18 years old and has full capacity for civil conduct;
  • Has valid Entry-exit Permit for Travelling to or from Hong Kong and Macau, or valid PRC passport;
  • Has no WMC dedicated remittance and investment accounts with other banks or only with one HK licensed corporations;
  • Is investing in his/her personal capacity, but not as joint-name or a corporate customer, and should not authorized a third party to operate the account;
  • Assessed by BEA as not being a vulnerable customer;
  • Has at least 2 years’ investment experience and has own at least RMB 1 million of net household financial assets in the past 3 months; or held at least RMB 2 million of household financial assets in the past 3 months; or annual individual income of not less than RMB 400,000 in the past 3 years.
heading Eligible Wealth Management Products provided by BEA
  • Funds domiciled in Hong Kong and authorised by the Securities and Futures Commission of Hong Kong, which are assessed as "non-complex" and risk ratings ranging from "low" to "medium to high" by BEA or funds primarily investing in Greater China equity (excluding products listed and traded on the Hong Kong Exchanges and through Clearing Limited);
  • RMB, HKD and foreign currency deposits.

    *According to FAQ of HKMA’s 24 Jan 2024 regarding implementation of WMC2.0, only 11 currencies are allowed. These include HKD, RMB, JPY, SGD, NZD, AUD, CAD, USD, EUR, GBP, CHF.​
heading Account Opening Procedure

*If an investor simultaneously selects both a bank and a licensed corporation for investment under WMC Southbound Scheme, the individual investor quota allocated between the bank and the licensed corporation will each be RMB 1.5 million.

heading BEA Mobile
  • Customers can apply Dedicated Investment Account of BEA via BEA Mobile before visiting the designated branch of the Mainland partner bank, BEA Mobile simplifies the traditional account opening process, ensuring quick and smooth account application. demo
  • Customers can download BEA Mobile free of charge by searching for “BEA Mobile” in the App Store or Google PlayTM
heading Enquiry and Appointment
  • For any enquiries about WMC, please contact (852) 2211 1133
  • Mainland clients can call BEA toll-free hotline 400 8427695
  • Follow our WeChat Official Account, to learn more about WMC
  • For the remittance cut-off time, please click here
heading WMC Southbound customers can enjoy the privileges below:
Remittance fee discount
Monthly service fee waiver
Funds subscription fee discount
Preferential foreign exchange rate

(Terms and conditions apply. For details please refer to the below.)


1 Including Shenzhen, Guangzhou, Zhuhai, Zhongshan, Foshan, Zhaoqing, Jiangmen, Dongguan, and Huizhou.

2 The Mainland partner bank refers to The Bank of East Asia (China) Limited ("BEACN") which is our cooperating bank in Chinese Mainland for BEA GBA Wealth Management Connect Services. BEACN is not authorised institutions as defined in the Hong Kong Banking Ordinance and are not subject to the supervision of the Hong Kong Monetary Authority. BEACN cannot carry on any banking business or business of taking deposits in Hong Kong. Any deposits maintained with BEACN is not protected under the Deposit Protection Scheme in Hong Kong.

Important Notes:

The above is factual information about WMC, which does not constitute any solicitation, recommendation, or active marketing. Regarding the regulation on WMC, please refer to the announcements of regulators in Hong Kong and Chinese Mainland. Please read our Cross-boundary Wealth Management Connect (Southbound) Notice Relating to Wealth Management Connect SupremeGold Accounts before you proceed to open WMC account.

All investments involve risks. The information and materials contained in this website are intended solely for informational purposes and does not constitute an offer, solicitation, invitation, or advice to subscribe to any securities or investment products.

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