Today, I decided to write a prose on my new bank, HSBC. For now, when you go to China if it remains in its original store Franco-French, it might be quite surprised by the costs that we attributed due to cash withdrawals or payments card. With HSBC, there is no fee when withdrawing money from agencies or HSBC ATMs. However, for payments, there are free (but in China, we usually pay in cash). So, in June, before leaving, I was opening my account with HSBC. ESSEC As a student, I enjoy an advantage of -50% on the cost of managing the account since the school is a partner of HSBC. By cons, it must checker that you apply well the advantage, because I, after a month, neither seen nor known, I mixed up, and now that you makes you pay high price … the rogues!

In short, once in Shanghai, it said: “means HSBC Hong Kong and Shanghai Banking Corporation, so that crawling HSBC bank in downtown!” Nay! I would add, must be sought! HSBC The effect is like the subway in Shanghai, nothing to do with Paris or by strolling one falls inevitably on a subway or ditributeurs HSBC by chance. No, here we do not withdraw the money “by chance”, there is special, it’s a shipment. Because to give you an idea, there are exactly 10 HSBC branches and 14 ATMs … for a city of 20 million inhabitants and an area of 6340 km ²! And needless to say that among the distributors, 3 are located in airports, therefore the equivalent of Roissy and Orly, ie totally eccentric!

So ultimately, once you move in. It must identify the agency or the distributor nearest you (for me at a quarter of an hour walk from my house).

Now I’m going to explain a little more technical level finance: one time my roommate ‘said “aaah’s cool, the Euro has risen, it’s time to withdraw money!” . Indeed, I never thought but when I arrived, removing Yuan 2500, my account was debited with € 257 because the price of the currency. Then a few weeks ago, the Euro surpassed the Yuan (finally I understand) but the fact that removing 2500 Yuan, it is charged under 250 €, so more spending power, thus more Purchase any cours.

Therefore, I installed on my iGoogle homepage, a small tool to be informed each day during the currency in order to remove the right time (jvais soon put me to the scholarship at this rate there! ). It was thanks to this tool that I realized that by withdrawing yesterday (quite by chance for once) and although I had my very inopportune time as the rate of the euro has fallen ! See for yourself: 1 € = 9.92 yuan while last week it was 1 € = 10.04 Yuan. That’s suck, right? “

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