花旗開戶心得(台北中山分行) - 銀行

By Tristan Cohan
at 2014-01-22T16:52
at 2014-01-22T16:52
Table of Contents
幾年前,開使透過IB在境外做外匯(FX),
透過IB開立了香港花旗的帳戶,開始了與花旗打交道的日子,
基本上,頗不錯的,
最低門檻是10000HKD,然後在海外的花旗提款機提領免手續費,
現在,台灣的花旗有了全球速匯,也是海外免手續費,
雖然富邦,兆豐都有類似的服務,不過花旗遍布的國家還是比富邦與兆豐多吧?
我是想說:香港/台灣都開的話,算是把資金的流向都打通了,
香港收到的資本利得/收入,透過全球速匯就回來的,That's fine.
加上本身有了花旗信用卡,以後繳款也方便,
因為現在郵局的通路沒了,又是電子帳單,繳款瞬間頗麻煩的,透過花旗帳戶繳就方便了.
爬了文章後,我大概有了底,先是找戶籍地,有地緣關係的中山分行,
對著接待行員說:我想要申請開戶服務,
理由:我想把海外資金匯回台灣的花旗,未來打算投資.....blah blah blah.....
接待行員:沒有問題,我們替您安排一位理專!
接下來就拉到一個安靜的小隔間一一說明與簽字了,
我本來是想說開SMART活存,
不過理專說開一般的會比較好,於是我拿到了存摺,還有金色的提款卡.....
不得不說,花旗的KYC(Know Your Customer)作得很仔細,
會介紹許多商品的基本概念
1.共同基金是什麼?風險為何?
2.連動債是什麼?風險為何?
3.雙元貨幣是什麼?
看到我都以為我是在考金融證照,因為我算是半個金融業界的人了,
當然,KYC也免不了要作投資性向,屬性的調查
有價證券(16y)
共同基金(16y)
期貨,選擇權,權證(16y)
外匯(5y)
保險(8y)
風險忍受程度(3)
順便聊到2008年,我說:Oh,損失約11萬台幣.....
這中間簽的名大概有接近50個
前前後後花了約1.5hr,連行員都很抱歉地說:我們的開戶流程一向很長.....
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