Avoid: ZhongAn and Mox are both good for daily use of Hong Kong bank cards, and HSBC may be the best in the long run

But never use ICBC Asia. There are many hidden accounts for receiving multiple currencies under one account, and you have to change the last digit of the account yourself to receive the money.

If you don’t change it, you have to queue up and sign on site to let the bank exchange currency, but it will not be credited even after queuing for n days. You can’t answer anything when you call the manual phone, and the app only has a stupid robot.

I miss the days when I was taken care of by the big factory APP.