HSBC Direct 開戶以來的感想 - 銀行
By Xanthe
at 2008-06-03T01:04
at 2008-06-03T01:04
Table of Contents
我是HSBC Direct算是蠻早開戶的顧客,2006年9月20看到推出新型態銀行。
隔天我就到駐點辦事處核對身份了,當時的駐點辦事處還沒裝潢完成,還有警衛
在幫忙調整桌椅擺設。當初的Direct超功能簡潔的,只有網路銀行轉帳、電話語
音轉帳免手續費、活儲利率1.5%,還有就是可以加開子帳戶。
後來陸續推出
1)不限次跨行提款金融卡 (2006.11)
2)兌換美金/美金活儲帳戶 (2008.03)
3)線上購買基金功能 (2008.03)
4)預約轉帳功能 (2008.05)
5)現在又推出金融卡非約定轉帳功能 (2008.06)
PS 時間點是粗略的
這些功能是當初開戶都沒想到會有的功能,HSBC Direct採納了大家的意見陸陸續
續的推出新功能。在這邊我是蠻肯定與贊同的。
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但是這期間也發生不少事情
2007.01 大地震海纜斷線,HSBC Direct主機位於香港,所有功能停擺。
2008.02 過年前,轉帳提款流量過大。導致系統延遲太長,提款轉帳失敗。
2008.04 某家銀行推出跨提活動,HSBC Direct跨提筆數異常增加。
對這些銀行也做了些修正和改進 (如:增加了備緩機制、跨提不限次->50次)
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Direct也可以繳稅退稅,現在只差無法臨櫃存提款、基金不能定期定額、沒有定
存功能、無法當交割戶。不然和一般帳戶沒什麼兩樣。現在還不用管理費、沒有
存款最低限制,還可以50次免費跨行提款,月結 活儲年息1.2%,5組約定帳戶線
上免費轉帳。這樣的好康帳戶哪裡找阿!
所以我還是會繼續支持使用HSBC Direct :)
--
建議要有 富邦VB 或是 永豐無摺 作輔助
還有我的帳號888-021xxx-789,不知有沒有版友比我早的 :>
--
「理財目的,在追求幸福,而不是致富。」
--
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