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WMC Smart Guide — Southbound Scheme Introduction

WMC will provide investors from Hong Kong, Macao and Mainland China in the Guangdong‑Hong Kong‑Macao Greater Bay Area (“GBA”) with a closed-loop capital channel, allowing them to access cross‑border investment counterparties through the regional banking system, and eligible investment products or wealth management products sold by banks (“investment products”). WMC is divided into “Northbound Scheme” and “Southbound Scheme”. “Southbound ” involves investors from the GBA to open personal investment accounts with Hong Kong and Macao banks, and remit funds through a closed-loop capital channel to purchase eligible investment products sold by Hong Kong and Macao banks.

Eligible Southbound Scheme Investors:

To sign up for Southbound Scheme, Mainland investors must fulfil the following requirements:

(1) Have full capacity for civil conduct;

(2) Being residents registered in the nine GBA cities, or with record of social security contribution or individual income tax payment in the nine GBA cities for 5 consecutive years;

(3) With 2 years or more experience in investment, fulfilling one of the following two requirements:
Net month-end household financial assets over the past 3 months RMB 1 million
Month-end household financial assets ≥ RMB 2 million RMB 2 million
Quota management

The proposed aggregate quota for Southbound Scheme is RMB 150 billion, while the investment quota for each investor is RMB 1 million.

1. Aggregate quota: The usage of the aggregate quota under the Southbound Scheme is calculated as follows:

Net capital outflow amount of Southbound Scheme
Cumulative capital outflow amount of Southbound Scheme
Cumulative capital inflow amount of Southbound Scheme

When the cross-border net capital outflow amount under Southbound Scheme reaches its upper limit, the Mainland partner banks can only proceed with inward cross-border remittance of Southbound Scheme. They cannot conduct outward cross-border remittance of Southbound Scheme.

2. Individual investor quota:

Individual net capital outflow amount of Southbound Scheme
Cumulative capital outflow amount of Southbound Scheme
Cumulative capital inflow amount of Southbound Scheme

All cross-boundary remittances are subject to the aggregate quota and individual quota under applicable regulations and other requirements prescribed by the Bank from time to time. If the investor plans to remit an amount that exceeds his personal remaining available quota or the official website of the People’s Bank of China shows that the total quota has been used up to 100%, the Bank may refuse to remit the funds.

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Consultation and complaint hotline

Thank you for your support to Standard Chartered Bank, we are always looking forward to hearing your feedback

WMC Service Hotline: (852) 2886 6288

Inquiry Telephone Number from China: 400 842 7564

If you have any complaints or suggestions, please call the Standard Chartered Customer Hotline:(852) 2282 6099

Standard Chartered Bank (China) Limited (“SCB China”) was established in Mainland China and is a subsidiary of Standard Chartered Bank (Hong Kong) Limited (“SCB HK”). SCB China is not an authorized institution in Hong Kong under the “Banking Regulations” promulgated by the Hong Kong Monetary Authority and is not subject to the supervision of the Hong Kong Monetary Authority. SCB China cannot conduct banking business or accept deposits in Hong Kong. Any deposits in the SCB China are protected by the “Deposit Insurance Regulations of the People’s Republic of China” and not protected by Hong Kong’s deposit protection plan.

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Southbound Scheme

Investment products1

1. Funds domiciled in Hong Kong and authorized by the SFC; and

2. Bonds


3. RMB, Hong Kong dollar and foreign currency deposits


1. Excluding products listed and traded on the Hong Kong Exchanges and Clearing Limited, and the products which are assessed as “low” risk to “medium” risk and “non-complex” by HK-Macao partner banks

2. Structured Deposit is not included.