HSBC 中国のプレミアで利用できる口座は以下のとおりです。
口座開設時はとりあえず、人民元口座Settlement Account と、マルチカレンシー口座から円と米ドルの送金口座を開設しておけばいいでしょう（その場でいくらかの外貨現金を入金する場合は、自動的に現金口座が開設されます）。

Renminbi Deposits

以下の口座がある。電信送金での入出金が可能で、デビットカードが発行される決済口座SettlementAccount は必須。
https://www.hsbc.com.cn/1/2/misc/deposit-rates

Savings Account

ステイトメント預金口座Statement Savings Accountは、支店窓口での現金入出金専用の普通預金口座。電信送金による入出金が可能な送金用普通預金口座。窓口での入出金も可能。プレミアデビットカードにリンクして決済口座になる。
他に、小切手決済用の当座口座Current Account もあるが、中国国内では小切手は簡体字SimplifiedChinese しか利用できない。

Account Type	Key Features	Minimum Balance Requirement
Settlement Account	For cash deposits, withdrawal and transfer	CNY1
Chequeing Account	Cheque book facility provided	CNY5,000
Overseas RMB Saving Account	Specially for receiving RMB remittance from Hong Kong, Macau or Taiwan, and provide domestic cash withdrawal services. Payment, settlement and transfer services are not available under this account. (For permanent residents of Hong Kong/Macau Special Administrative Region or Taiwan residents ONLY)	CNY1
>Overseas RMB Settlement Account	Specially for receiving self-named RMB remittance from Taiwan and provide domestic cash withdrawal services and local payment and transfer services. (For Taiwan residents ONLY)	CNY1

Any difference in handling account opening for Overseas RMB saving account, Overseas RMB settlement account and normal RMB Settlement Account?

	RMB Settlement Account	Overseas RMB Saving Account	Overseas RMB Settlement Account
Who is eligible for it?	Local Chinese residents, Foreigners, residents of HK SAR, Macau SAR or Taiwan	HKID or Macau ID holders, or Taiwan residents	Taiwan Residents
Joint account available?	Yes, but the account holders must be direct relatives.	No	No
What form need to be completed?	Customer need to complete “Customer Information/Sole Account Opening Form” and “RMB Settlement Account Opening Form”	Customer need to sign on“ Customer Information/Sole Account Opening Form” and tick “Overseas RMB Saving Account" in the “Choice of account" section	Customer need to sign on“ Customer Information/Sole Account Opening Form” and tick “Overseas RMB Settlement Account" in the “Choice of account" section and “RMB Settlement Account Opening Form”
How to differentiate them in account numbers?	Suffix is 050	The first 9 digits are the same as that for RMB Settlement Account. Suffix is 054	The first 9 digits are the same as that for RMB Settlement Account. Suffix is 053

Note: “Customer Information/Sole Account Opening Form” is only required for new customers to first time set up the relationship with HSBC (China) (below ‘HBCN’).

Any difference in account operation for Overseas RMB saving account, Overseas RMB settlement account and normal RMB Settlement Account?

	RMB Settlement Account	Overseas RMB Saving Account	Overseas RMB Settlement Account
Can receive RMB remittance from overseas?	Yes, can receive non self-named RMB remittance from Taiwan	Yes, can receive self-named RMB remittance from Hong Kong, Macau or Taiwan	Yes, can receive self-named RMB remittance from Taiwan
Any limit for the RMB remittance from overseas?	The daily limit is CNY80K per person for RMB remittance from Taiwan	The daily limit is CNY80K per person for RMB remittance from Hong Kong, Macau or Taiwan The daily limit is CNY50K per person for RMB remittance from Macau	The daily limit is CNY80K per person for RMB remittance from Taiwan
Does it support RMB domestic transfer or transfer between self-named accounts within HBCN?	Yes	No	Transfer-out allowed but transfer-in not allowed
Does it support RMB cash withdraw in branch?	Yes	Yes	Yes
Does it support RMB cash deposit in branch?	Yes	No	No
Does it support TMD placement?	Yes	Yes	Yes (The principle and interest accrued must be credited back to this account otherwise it cannot be remitted back to Taiwan)
Does HBCN provide Debit Card service?	Yes	Yes ( as the secondary or third account only)	Yes
Can the unused portion of the deposit in this account be remitted back?	No	Yes back to Hong Kong, Macau or Taiwan, including the capital & interest	Yes back to Taiwan, including the capital & interest
Any daily limit for RMB remittance back to Hong Kong, Macau or Taiwan?	N/A	No	No
Any charges for RMB remittance back to Hong Kong, Macau or Taiwan?	N/A	HBCN will charge according to standard CNAPS tariff. The clearing back (BOC HK or BOC TW) will charge CNY40.	HBCN will charge according to standard CNAPS tariff. The clearing back (BOC TW) will charge CNY40.
Does it support personal online banking?	Yes	Yes but limited to balance enquiry, time deposit placement and remittance back to Hong Kong, Macau or Taiwan of the unused portion.	Yes but limited to balance enquiry, time deposit placement and domestic remittance. Remittance back to Taiwan of the unused portion is temporarily not allowed until further notice.
Does it support personal phone banking?	Yes	Yes but limited to balance enquiry and time deposit placement	Yes but limited to balance enquiry, time deposit placement and pre-designated local payment

Call Deposits

引き出す前に通知する口座。据置期間は1 ～ 7 日。普通預金に比べ高い利息が付く。最低預金額50,000CNY。最低引出額も同じ。

Account Type	Tenor	Minimum Balance Requirement	Minimum Withdrawal Amount
Call Deposits	1 day or 7 days	CNY50,000	CNY50,000
Call Deposit Plus*	7 days	CNY100,000

Time Deposits

預入期間は3、6 カ月、1、2、3、5 年。最低預金額は50CNY

Account Type	Tenure	Minimum Balance Requirement
RMB Time Deposit Account	3 months, 6 months, 1 year, 2 years, 3 years or 5 years	CNY50

Foreign Currency Deposits

支店窓口で現金での入出金専用の口座Notes Account と、電信送金で入出金できる送金用口座Exchange Account（現金による出金も可能）がある。同じ通貨でも口座番号の末尾3 桁が異なる。

Currencies*

Notes Account Available Currencies*	Minimum Balance Requirement
Multi-Currency Account	USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD, NZD, etc.	USD, HKD, JPY, EUR	Nil