If you are from China, please mention two methods. The first way is to cooperate with Hong Kong companies.

1. If it is a business transaction, this operation is better. You can reduce your own foreign exchange settlement pressure.

2. The second way is to directly settle foreign exchange in personal accounts in HSBC, but this way is suitable for simple single remittance. If foreign exchange comes in for a long time and many times, it will not be good.

3. There is also the difference between account fees and settlement. If you are registered as a Hong Kong company, you can use HSBC or open an account in Standard Chartered.

If you want to change your money into RMB, you still have to remit it to your domestic account before you can change your money into RMB. As for the extra costs, there will be some more or less. However, this money can be freely distributed in the account of your own Hong Kong company. Relatively speaking, the risk will be reduced.