HSBC and Standard Chartered can withdraw money overseas, so long as they have UnionPay ATM, they can avoid handling fees. However, it should be noted that services such as balance inquiry are subject to handling fees ... In China, Standard Chartered stipulates that UnionPay ATMs are exempt from handling fees when withdrawing more than 2,000 yuan, while Standard Chartered ATMs do not charge handling fees ... HSBC is basically the same.

I wonder if you want to open a VIP card. If it's a VIP card, the service fees on both sides are different ... both of them are exempt from account management fees in the first year, but from the second year, if the average monthly balance in the account is less than 500,000, Standard Chartered will charge an account management fee of 150 per month, and HSBC will charge 300 ... The service fee of HSBC will be slightly more expensive than that of Standard Chartered Bank.

In addition, the minimum standard for HSBC ordinary cards is RMB 300,000, and that for Standard Chartered is RMB 6,543,800+10,000.

I hope this helps.