Top of main content
The hong kong-zhuhai-macao bridge; image used for banking services for the Greater Bay Area

Greater Bay Area banking and Wealth Management Connect

Bridging the GBA. Spanning the Globe.

Map your way to new investment opportunities in the GBA with the Cross-boundary Wealth Management Connect

Get the most out of the Greater Bay Area

Open up a world of opportunities and find your next gateway in the Guangdong-Hong Kong-Macao Bay Area, also known as the Greater Bay Area (GBA). Whether you explore the GBA for work, business, leisure, education, wealth management or more, HSBC can help.

We've been doing business here for more than 150 years, and established an international network and leading market positions in Hong Kong and the Pearl River Delta region (PRD).

Personal banking

To support your cross-border lifestyle needs and goals to grow your wealth in the GBA, our diversified wealth management solutions, innovative digital services and professional teams can help you make the most out of every new opportunity.

Commercial banking

We'll provide connectivity and advisory services, and innovative, all-rounded financial banking solutions to help businesses of all sizes and across different industries maximise their business' potential and expand into new markets in the GBA and beyond.

Plus, you can access our personal and commercial digital banking support 24/7, whether you're on-the-go or at home, within the GBA or even overseas.

Need more information?

Scan the QR code to go to the HSBC HK WeChat account where you can find the latest GBA insights.  Please note, by scanning the QR code, you will be directed to a third-party platform where information is available in simplified Chinese only.

Happy family playing together in the living room; image used for Personal banking.

Comprehensive personal banking and wealth management support across the GBA.

Coworkers are looking at digital tablet; image used for Commercial banking.
This link will open in a new window

Fast track your way to the new business opportunities in the GBA.

Asiamoney's Best International Bank for GBA

With our deep roots in Hong Kong, a strong onshore and offshore China franchise and our global network, we're well-positioned to serve as your bridge between markets – both locally and abroad. Indeed, that's why Asiamoney named us as the Best International Bank for Greater Bay Area (GBA) at its inaugural GBA Awards in 2021.

Comprehensive personal banking and wealth management support across the GBA

Cross-boundary Wealth Management Connect

The Cross-boundary Wealth Management Connect Pilot Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area (GBA) is a key initiative to strengthen a more convenient flow of funds between the capital markets of Hong Kong, Macau and mainland China.

This scheme lets eligible residents in mainland GBA cities, Hong Kong and Macau invest in wealth management products in each other's market via a closed loop funds flow1. The implementation arrangements of the Cross-boundary Wealth Management Connect was officially announced on 10 September 2021.

Cross-boundary Wealth Management Connect consists of both the Southbound and Northbound scheme. The aggregate investment quota is RMB150 billion each for both the Southbound and the Northbound. Individual investors each have an investment quota of RMB1 million.

Eligible residents in mainland Greater Bay Area (GBA) cities can invest in eligible investment products distributed by banks in Hong Kong. They can do so by opening designated investment accounts with participating banks in Hong Kong.

Eligible investors

You are eligible for the Southbound scheme if you:

  • have full civil capacity2
  • have a household registered in any of the 9 mainland GBA cities or you are a resident who has paid social security or personal income tax for 5 consecutive years in any of the GBA cities (Guangzhou, Shenzhen, Dongguan, Zhongshan, Zhuhai, Foshan, Jiangmen, Zhaoqing and Huizhou)
  • have at least 2 years of investment experience and, at the end of each month over the past 3 months, held:
    - financial net assets of no less than RMB1 million
    - household financial assets of no less than RMB2 million
  • invest in your own personal capacity (not in a joint-name or corporate capacity)
  • are not a vulnerable customer, as assessed by banks in Hong Kong3


Eligible wealth management products

  • Funds
    Non-complex funds carrying low to medium risk, domiciled in Hong Kong and authorised by the SFC
  • Bonds
    Non-complex bonds carrying low to medium risk
  • Renminbi, Hong Kong dollar and foreign currency deposits
    Eg US dollar, Australian dollar, Canadian dollar, Swiss franc, euro, Japanese yen, UK pound sterling, New Zealand dollar and Singapore dollar

Cross-boundary Wealth Management Connect is another crucial scheme in promoting cross-border investment, following the Bond Connect, Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect. We aim to keep supporting our customers in seizing international investment opportunities through outstanding services.

Be the first to learn about all the latest developments in the GBA. Connect with us today for more.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HSBC Pulse Credit Card

Manage your spending at home, in mainland China and beyond on a single card.

  • Up to $900 RewardCash welcome offers

  • Enjoy up to 4.4% exclusive rebate for spending in mainland China and Macau

  • Mark-up fee waiver for transactions in renminbi and Macau pataca

Living room with blue sofa; image used for mortgage assistance

Mortgage Assistance

If you're thinking of purchasing properties in GBA cities including Guangzhou, Shenzhen, Zhuhai, Dongguan, Foshan and Zhong Shan, our International Banking Centre (IBC) in Hong Kong can connect you to a mortgage team in mainland China to help you with your mortgage enquiries or applications.

For more information, please get in touch with our IBC.

Phone: +852 2233 3888


Worldwide status and support no matter where you are

Green bamboo; image used for HSBC International Partner page.

Get the same unparalleled access to Jade preferential rates and exclusive privileges in the Greater Bay Area. Exclusively for HSBC Jade clients.

Premier passport; image used for Worldwide Premier status

As an HSBC Premier customer, you and your family can enjoy seamless support with your worldwide HSBC Premier status.

Business man and woman are at the airport; image used for international banking.

Whether you need to open an overseas account, grow your international property portfolio or arrange for your child's education abroad, we make global banking easy.

The lady sitting on the sofa looking at tablet.

Have your say – shape your GBA wealth management experience

Your response will help us connect you more effectively with the vista of GBA opportunities out there.

Frequently asked questions

To borrow or not to borrow? Borrow only if you can repay!


The information under Cross-boundary Wealth Management Connect are based on “Implementation Arrangements for the Cross-boundary Wealth Management Connect Pilot Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area” released by the and Hong Kong Monetary Authority (HKMA) on 10 Sep 2021 and information on the HKMA website. They are not descriptions of our current services. Applicable laws and regulations in relation to the Cross-boundary Wealth Management Connect Pilot Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area may change from time to time and the information above may be subject to change if the applicable regulations and laws change. For more information, please visit HKMA website.

The above contents are for information only. All services provided by The Hongkong and Shanghai Banking Corporation Limited (the “Bank”) are subject to the prevailing applicable terms and conditions. In case of any discrepancies or inconsistencies between the information from this document and the applicable terms and conditions, laws and regulations, the latter shall apply and prevail. The Bank is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use or reliance of the information in this document. This document and any information or advertisements made available to you are not intended to provide investment advice and do not constitute a solicitation or recommendation for the making of any deposit or investment or subscribing for any service. The Bank gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of such information.

Investments involves risks.


1. Under the Cross-boundary Wealth Management Connect Scheme, cross-border remittance must be conducted between the paired dedicated investment and remittance accounts maintained in Hong Kong and mainland China.

2. Full civil capacity refers to an individual aged 18 or above who is able to fully account for their own conduct.

3. Vulnerable customer refers to a customer whose ability to understand the associated risks of his/her investment and withstand the potential losses of the investment is limited. In determining whether a customer is a vulnerable customer, banks will take a holistic view of the circumstances of the customer, including the level of financial sophistication (e.g. investment experience), the state of mind (e.g. ability to make investment decision) and the level of wealth.