Who can open what, by identity. Green = a verified path exists (not a guarantee of approval); red = a claim explicitly excludes it; amber = the fact layer has not modelled it yet, so we do not guess.
| Account | HKID holder | Mainland resident in HK | Mainland resident (not in HK) | Overseas passport holder | Mainland travel permit holder | Other foreign documents | Valid Singapore pass | Singapore tourist |
|---|---|---|---|---|---|---|---|---|
| HSBC One | Verified path | Insufficient info | Insufficient info | Verified path | Verified path | Verified path | Insufficient info | Insufficient info |
| i-Free Banking | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info |
| ZA Savings Account | Verified path | Verified path | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info |
| DBS Multiplier Account | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Verified path | Verified not eligible |
| Wise Multi-Currency Account | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info | Insufficient info |
Only the fact layer's modelled products are listed. Blank areas outside this table are not asserted either way.
!Research assumption (disclosed): each scenario uses a fixed adult profile — HKID holder and mainland resident in HK assume age 30; all other overseas-passport, travel-permit and Singapore scenarios assume age 22. Age only changes the verdict when it is explicitly below the account's minimum opening age.
must be located in a designated country/region
Source: 汇丰香港手机开户说明
must be located in a designated country/region
Source: 汇丰香港手机开户说明
must be located in a designated country/region
Source: 汇丰香港手机开户说明
other foreign nationals must visit a branch (book ahead)
Source: 汇丰香港 HSBC One 产品页
HK resident path: aged 18+, valid original HKID, a Hong Kong mobile number able to receive SMS/calls, and a valid HK residential address
Source: ZA Bank 开户页（官方，香港居民路径）
Mainland visitor path: aged 18+, in Hong Kong during account opening, valid PRC Resident Identity Card (≥30 days validity), valid Mainland mobile number (SMS/calls in HK), a Mainland savings bank card registered to that same mobile number, plus an entry/exit certificate from the National Immigration Administration
Source: ZA Bank 访港旅客开户资格 FAQ（官方）
a valid Singapore pass, or an In-Principle Approval from MOM/ICA is required; a tourist visit pass does not qualify
a valid Singapore pass, or an In-Principle Approval from MOM/ICA is required; a tourist visit pass does not qualify
No. It means the reviewed claim supports that an applicant matching the listed identity has a qualifying path with the listed materials. The bank still makes the final decision.
Because the fact layer has not modelled that identity path yet, or the claim does not match the scenario. We do not infer "not eligible" from a missing record.
Hong Kong ID holder, mainland resident (in/out of HK), overseas passport holder, Mainland travel-permit holder, other foreign documents, and Singapore pass/tourist — a high-demand subset.