1. The threshold is extremely low, and there is no threshold for basic accounts;

2. Online card opening, you can open it without leaving home;

3. The card opening speed is extremely fast, and the fees for deposits and withdrawals to cooperative securities companies are extremely low;

After opening an account, you can bind your SIB bank account to BIYAPAY to achieve quick foreign currency exchange and deposits. The handling fee is US$15 for a single transaction, US$30 for a cross-border transaction, and 0.01% of the transfer amount.

SIB Bank, also commonly known as Standard International Bank of the United States, is registered in Puerto Rico, an overseas territory of the United States. The United States is one of the most developed countries in the banking industry in the world, and its local bank has the largest number of banking players in the world. Strict regulatory standards, so SIB Bank also has certain security guarantees.

You can trade Hong Kong and US stocks through it. The basic account only charges US$30, and you only need to pay a monthly management fee of US$1. You can exchange BIYA PAY for Hong Kong dollars and withdraw it to a SIB card deposit broker to participate in US stock trading.

Investment and financial management are not difficult to say, but they are not easy to say either. For people who understand financial management, they can make decisions about which financial products to buy and how to allocate their funds without much thought. But for people who don’t know how to manage money, even if they have the intention to manage money, they will always hesitate and waste a lot of time. You must understand that when it comes to financial management, time is money. If you do not fully grasp your time, it is a waste of money.

1. When choosing financial products, you must start from your own situation and take into account your own financial ability and risk tolerance. The higher the yield of a financial product, the better it is not. Choosing the right financial product and obtaining steady returns is the correct way to manage your financial affairs. When you choose a financial product, its risk level, safety, liquidity, etc. should all be taken into consideration. Of course, its profitability must also be considered.

2. If you don’t have much money, don’t want to take too much risk, and need to use money at any time, you should choose capital-guaranteed and current financial products, such as monetary funds and treasury bond reverse repurchases. and bank deposits, etc. These are what you should choose when choosing financial products.

3. If you have sufficient funds, small liquidity needs, and can withstand certain risks, you can pursue some high-risk and high-yield investments, such as stocks, gold, and futures. Etc., these are all the directions you can choose when choosing financial products.

4. Summary: You must have a clear risk preference. If you cannot tolerate a loss of more than 10%, do not buy stocks, futures, foreign exchange and other high-risk financial management. You need to know whether your funds require liquidity. Some financial products have high returns but poor liquidity. You can take a look at the deposit products issued by banks in Internet finance. They are higher than those of ordinary deposit banks, and some products have good liquidity.