HK LIFE – Escaping HSBC: HK’s Alternative & Least Worst Banking Options


image via eirth.com

Sick of HSBC? Spent the summer navigating their ATM Card farce? Whilst the bank has promised to rectify their ATM omnishambles, it may be time to break free. Whist HK has yet to catch up with ethical banking trends seen abroad, below is an up-to-date, no-bullshit, unbiased guide to the two least-worst alternatives. There are over 150 banks operating in the territory – however, Hang Seng is a write-off (as it is owned by HSBC), and the remainder either offer a worse level of service than HSBC, are ‘built-on-quicksand‘ China-owned banks or do not provide an internationally recognised ATM card.

Best Banks for Foreigners in HK:

This leaves Citibank or Standard Chartered – neither current account is perfect, but both beat HSBC in terms of features. Standard Chartered is great in that all bank transfers within HK are free, no matter who the recipient banks. Also, like with HSBC, you can buy currency via internet banking. However, there is a HK$28 charge for using non-JETCO local ATMs or any overseas ATMs.

Citibank only offers currency transfer at branches and does charge a fee for transferring cash to a competing bank in HK. However, they open late (till 7pm) and you will get a Visa Debit ATM card with free ATM withdrawals at any bank, local or overseas. They also offer free international transfers to Citibanks abroad.

Bizarrely, despite bearing the appropriate logo, the Citibank Visa Debit ATM card cannot be used for online transaction (or to pay by mail/phone) – it may only be used in-person. This anomaly has been confirmed in the small print and by existing customers – it means that there is still no ‘true’ Visa Debit card on offer in HK.

Standard Chartered Basic ‘Easy Banking’ Account:DcQxuyc.jpg (275×183)

  • Charge to transfer to non-Standard Chartered HK-based banks: None/Free.
  • Charge to transfer to Standard Chartered bank overseas: $200 + recipient bank fees.
  • Charge to transfer to non-Standard Chartered bank overseas:  $200 + recipient bank fees.
  • ATM Card: Cirrus/Plus VISA network accessible, but not VISA Debit card.
  • Charge for non-Standard Chartered HK ATM withdrawal: Free at all JETCO ATMs or HK$25 at Hang Seng/HSBC ATMs.
  • Charge for each overseas ATM withdrawal: HK$28.
  • Lost/stolen ATM card fee: HK$50.
  • Minimum account balance: HK$10,000.
  • Penalty for not maintaining minimum account balance: HK$120 per quarter.
  • Multi-currency online banking: Yes.
  • Branch opening hours: Regular – weekdays 9am-5pm and Saturday mornings, 9am-1pm.
  • Account opening documents: HKID (or passport if not a permanent resident), proof of HK address (utility bill).
  • Website: http://www.standardchartered.com.hk
  • Plus: Various welcome benefits.
  • Plus: Upgraded benefits with their ‘Priority’ and ‘Preferred’ services. Eligibility measured by your income.

 

vaYcug5.jpg (140×140)Citibank:

  • Charge to transfer to non-Citibank HK-based banks: HK$180 per transaction or HK$50 via online banking.
  • Charge to transfer to Citibank bank overseas: Telegraphic transfers are free to send/receive.
  • Charge to transfer to non-Citibank bank overseas: HK$180 or HK$100 via online banking + recipient bank fees.
  • ATM Card: VISA Debit Card – recognised and accepted everywhere but cannot be used online.
  • Charge for non-Citibank HK ATM withdrawal:  Free.
  • Charge for each overseas ATM withdrawal: Free.
  • Lost/stolen ATM card fee: HK$50.
  • Minimum account balance: HK$10,000. Waived if you prove you are a permanent resident working in HK (even if your salary is not deposited at Citibank).
  • Penalty for not maintaining minimum account balance: HK$100 per month.
  • Multi-currency online banking: No instant foreign currency transfer/purchase online – must be done in-branch.
  • Branch opening hours: Weekdays 9:30am – 7pm and Saturday mornings, 9am-1pm..
  • Account opening documents:
  • Website: http://www.citibank.com.hk
  • Plus: Various welcome benefits.
  • Plus: Upgraded benefits with their ‘CitiGold’ services. Eligibility measured by your income.

Fixed time deposit accounts for your savings and credit cards should not necessarily be taken out at the same bank – research these separately as the best deals change often.

Why leave HSBC?

aTNhGnil.jpg (500×403)

via Truthdig

What’s the big deal with having a Visa Debit Card?

  • It means your card will be accepted worldwide wherever Visa is accepted (shops and ATMs). Whilst traditional EPS debit cards work fine throughout HK, the system is not recognised by retailers abroad – Visa is accepted everywhere.
  • Citibank is seemingly the only bank in HK offering a Visa Debit card, as opposed to ‘linked’ Visa credit cards which have a habit of defaulting to ‘cash advance’ in foreign ATMs (leading to hefty charges). However, as mentioned, the Citi card cannot be used online.
  • Customers still have to use a credit card for online transactions, though these can be set-up with auto-pay to work like an interest-free debit card. If you pay off your credit card in full each month, there are no charges and annual fees are usually waived upon request.

How to change banks:

  • Opening new accounts can take minutes and you are usually rewarded for the hassle with a host of welcoming offers, airmiles and freebies. However, unlike in other territories where the process is partly automated, you will need to move your ‘autopay’ instructions (i.e. ‘direct debits’) manually. You will also need to fill out forms to switch your salary payments over to your new bank. They will assist you, but it’s best to make a slow transition and only close your previous account when necessary.
  • Be sure to tell HSBC why you’re leaving – 2996 6388 or [email protected]

‘Edith Piaf – Non, Je ne Regrette Rien’

Last update: September 2013.

 Click here for a full list of useful links for expatsOther tips for foreigners residing in HK…

The Information on this website is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this website is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The Information on this website and provided from or through this website is general in nature and is not specific to you the User or anyone else. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON THIS WEBSITE WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTATION WITH A PROFESSIONAL BROKER OR COMPETENT FINANCIAL ADVISOR. You understand that you are using any and all Information available on or through this website AT YOUR OWN RISK.



79 thoughts on “HK LIFE – Escaping HSBC: HK’s Alternative & Least Worst Banking Options

  • Daniel Basson

    Both Standard Chartered and Citibank are accused of funding terrorists or terrorist organisations not just HSBC. Just last year Standard and Chartered were accused of carrying out transactions totalling $250 billion for terrorists in Iran and Citibank also got caught with their pants down when they authorized credit card loans for known terrorist suspects whom consequently went bankrupt. None of the banks have a moral or ethical code, not one of them are better ethically than the other so the argument over this is useless.

  • Daniel Basson

    Both Standard Chartered and Citibank are accused of funding terrorists or terrorist organisations not just HSBC. Just last year Standard and Chartered were accused of carrying out transactions totalling $250 billion for terrorists in Iran and Citibank also got caught with their pants down when they authorized credit card loans for known terrorist suspects whom consequently went bankrupt. None of the banks have a moral or ethical code, not one of them are better ethically than the other so the argument over this is useless.

  • Mathieu

    > “None of the banks have a moral or ethical code, not one of them are better ethically than the other

    That’s just not true.

    Some banks are structured as cooperatives, they have strong lines on who/what they will fund, etc…

    Unfortunately, none of them exist in Hong Kong. 🙁

  • Mathieu

    > “None of the banks have a moral or ethical code, not one of them are better ethically than the other

    That’s just not true.

    Some banks are structured as cooperatives, they have strong lines on who/what they will fund, etc…

    Unfortunately, none of them exist in Hong Kong. 🙁

  • Tom

    As I said above… “HK has yet to catch up with ethical banking trends seen abroad… No bank is great, including the alternatives above, but HSBC is one of the worse.”

  • Tom

    As above… “HK has yet to catch up with ethical banking trends seen abroad… No bank is great, including the alternatives above”

  • flagler1

    I have citibank right now. They are great in HK, though in the USA they are terrible, which negates the free transfer feature somewhat. Does anyone have any comments on BEA? I’ve heard some good things.

    Someone really needs to open a good credit union in Hong Kong!

  • flagler1

    I have citibank right now. They are great in HK, though in the USA they are terrible, which negates the free transfer feature somewhat. Does anyone have any comments on BEA? I’ve heard some good things.

    Someone really needs to open a good credit union in Hong Kong!

  • Mike

    Thanks, finally got me to get round to leaving HSBC (my promised one year of fee-free ‘Advance’ [whats advanced about it?] ends this month, so just in time!). SC for me, multi currency online & free transfers to anyone is worth more than ATMs (my local Hang Seng/HSBC ATMs always have way bigger queues).

  • Mike

    Thanks, finally got me to get round to leaving HSBC (my promised one year of fee-free ‘Advance’ [whats advanced about it?] ends this month, so just in time!). SC for me, multi currency online & free transfers to anyone is worth more than ATMs (my local Hang Seng/HSBC ATMs always have way bigger queues).

  • Alec

    Just as a note to other people looking to open a HK account: I opened a Citibank account today and was told the minimum balance applies to everyone unless you have a HKID card. A temporary HKID, or a work visa in a foreign passport is not enough to get the minimum balance requirement waived.

  • Alec

    Just as a note to other people looking to open a HK account: I opened a Citibank account today and was told the minimum balance applies to everyone unless you have a HKID card. A temporary HKID, or a work visa in a foreign passport is not enough to get the minimum balance requirement waived.

  • Daniel Basson

    You forget, these are ‘world banks’ just because they have a base in Hong Kong doesnt mean they arent included in the whole spectrum of banking, if they have codes then why is it that they do fund terrorists and dodgy organisations? strong lines on whom they fund? so Hezbollah and Iran are perfectly fine

  • Daniel Basson

    You forget, these are ‘world banks’ just because they have a base in Hong Kong doesnt mean they arent included in the whole spectrum of banking, if they have codes then why is it that they do fund terrorists and dodgy organisations? strong lines on whom they fund? so Hezbollah and Iran are perfectly fine

  • Alec

    Sorry, perhaps I wasn’t clear: you don’t have to be a permanent resident, you have to have a HKID card. What they don’t accept is the paper version of the HKID which you get given for two weeks until your real card is ready.

  • Alec

    Sorry, perhaps I wasn’t clear: you don’t have to be a permanent resident, you have to have a HKID card. What they don’t accept is the paper version of the HKID which you get given for two weeks until your real card is ready.

  • calvin

    Sir, I applied the hang seng bank “enjoy” spending visa card , this is a visa debit card if you have hang seng bank all in one account. You can control this card via plus network for atm. But you need to open up the hang seng bank all in one account together, Besides, this spending enjoy visa debit card can using for the online shopping, but you need to apply this services via all in one account, but no charges.

  • calvin

    Sir, I applied the hang seng bank “enjoy” spending visa card , this is a visa debit card if you have hang seng bank all in one account. You can control this card via plus network for atm. But you need to open up the hang seng bank all in one account together, Besides, this spending enjoy visa debit card can using for the online shopping, but you need to apply this services via all in one account, but no charges.

  • calvin

    this card better than the unionpay atm. also can work all plus atm over the world. You may add the hang seng account into this debit card instead of the unionpay atm. I really hate the unionpay logo.

  • calvin

    this card better than the unionpay atm. also can work all plus atm over the world. You may add the hang seng account into this debit card instead of the unionpay atm. I really hate the unionpay logo.

  • Karen

    I just got a Visa Debit – spoke to Citibank and they told me I was unable to use the Visa Debit for purchases abroad, and that I could only use it to withdraw cash. What the hell… How is it possible not a single bank here offers a fucking working debit card.

  • Karen

    I just got a Visa Debit – spoke to Citibank and they told me I was unable to use the Visa Debit for purchases abroad, and that I could only use it to withdraw cash. What the hell… How is it possible not a single bank here offers a fucking working debit card.

  • Mark Jackson

    I have BEA, Hang Seng, and BOC, and altogether I can get just about anything I need. And I do maintain bank accounts back in my home country, and brokerage accounts that link the HK accounts to the overseas accounts for very low fees. It’s really just a matter of using each account according to its strengths.

    By the way: what’s this “long branch lines” thing of which you speak? Isn’t a “branch” just the place you go to sign your initial opening paperwork, and then never think about again for any reason, except, of course, when you get a mortgage? Seriously, who goes to a “branch”? Don’t you have a computer?

  • Mark Jackson

    I have BEA, Hang Seng, and BOC, and altogether I can get just about anything I need. And I do maintain bank accounts back in my home country, and brokerage accounts that link the HK accounts to the overseas accounts for very low fees. It’s really just a matter of using each account according to its strengths.

    By the way: what’s this “long branch lines” thing of which you speak? Isn’t a “branch” just the place you go to sign your initial opening paperwork, and then never think about again for any reason, except, of course, when you get a mortgage? Seriously, who goes to a “branch”? Don’t you have a computer?

  • Mark Jackson

    I have BEA, Hang Seng, and BOC, and altogether I can get just about anything I need. And I do maintain bank accounts back in my home country, and brokerage accounts that link the HK accounts to the overseas accounts for very low fees. It’s really just a matter of using each account according to its strengths.

    By the way: what’s this “long branch lines” thing of which you speak? Isn’t a “branch” just the place you go to sign your initial opening paperwork, and then never think about again for any reason, except, of course, when you get a mortgage? Seriously, who goes to a “branch”? Don’t you have a computer?

  • Charlie

    “there is still no ‘true’ Visa Debit card on offer in HK.”
    Can someone please help me understand why this is, it’s plain stupid!

  • ניקי nikki

    such a shame that there’s a minimum account balance for these banks. i’m a student based in Hong Kong with connections abroad…but with limited personal savings so i can’t maintain 10k in my account. i feel like there’s no escape from HSBC and i’m really getting fed up with them. help!!!

  • ניקי nikki

    thanks for this! such a shame that there’s a minimum account balance for these banks. i’m a student based in Hong Kong with connections abroad…but with limited personal savings so i can’t maintain 10k in my account. i feel like there’s no escape from HSBC and i’m really getting fed up with them…
    and i echo my sentiments about there being no real visa debit card here. it sucks.

  • ניקי nikki

    do they really require that you are working in Hong Kong though? i have a hkid but i’m only a student with part-time work. wonder if i would be able to open an account…

  • ניקי nikki

    do they really require that you are working in Hong Kong though? i have a hkid but i’m only a student with part-time work. wonder if i would be able to open an account…

  • ניקי nikki

    from my limited experience (i have a credit card at BEA but not an atm account) they seem better than HSBC, and their bank tellers are much more helpful and way more competent…i’m also looking into it. I’m curious, did you go with BEA in the end?

  • ניקי nikki

    from my limited experience (i have a credit card at BEA but not an atm account) they seem better than HSBC, and their bank tellers are much more helpful and way more competent…i’m also looking into it. I’m curious, did you go with BEA in the end?

  • alihongkong

    Further information since being screwed by HSBC 6 weeks ago:
    Online payments to other non-local banks (non-express):
    Citibank charge $50
    StanChart charge $0
    Bank of China charge $18
    HSBC charge $35
    only HSBC charge inward as far as I can see, at $15 (DICKS)

    Also with my new Citibank ATM card, I was charged $21.90 drawing $900 from HSBC ATM. Presumably levied by HSBC. Does that mean if I drew with my Standard Chartered ATM card it would cost $46.90, or $25?

  • alihongkong

    Further information since being screwed by HSBC 6 weeks ago:
    Online payments to other non-local banks (non-express):
    Citibank charge $50
    StanChart charge $0
    Bank of China charge $18
    HSBC charge $35
    only HSBC charge inward as far as I can see, at $15 (DICKS)

    Also with my new Citibank ATM card, I was charged $21.90 drawing $900 from HSBC ATM. Presumably levied by HSBC. Does that mean if I drew with my Standard Chartered ATM card it would cost $46.90, or $25?

  • RedChink

    I don’t know when the last time you opened a bank account was but it certainly took longer than “minutes” when I opened one at BOC, Wyndham St. a month ago; because apart from being mostly in zombie mode and on top of the usual proof of ID and address they wanted to know:
    Where I got my money from.
    Why I wanted to open an account at BOC
    Whether I had a degree.
    Of course asking why they wanted/needed this information completely threw them into disarray and then after plainly refusing to give it to them once they told me the company needed it “to help the customer” it took well over an hour for me to open the most basic account BOC on offer.

  • RedChink

    I don’t know when the last time you opened a bank account was but it certainly took longer than “minutes” when I opened one at BOC, Wyndham St. a month ago; because apart from being mostly in zombie mode and on top of the usual proof of ID and address they wanted to know:
    Where I got my money from.
    Why I wanted to open an account at BOC
    Whether I had a degree.
    Of course asking why they wanted/needed this information completely threw them into disarray and then after plainly refusing to give it to them once they told me the company needed it “to help the customer” it took well over an hour for me to open the most basic account BOC on offer.

  • donkey balls

    Just back form Standard Chartered…complete and utter waste of time, unless you have either a HK permanent ID or a non permanent ID card AND a current utility bill/bank statement from (in my case the UK) your country of CITIZENSHIP. I have lived here for nearly 6 years so I don’t. Nor can I get one.

    Yes you will go through an easy process on-line, where you have to scan your HK address proof, passport and HKID.

    Yes they will promptly reply to you telling you: “To bring in the following to any branch, it only takes 10 minutes”
    (1) Confirmation SMS / Application Reference Number
    (2) Hong Kong Permanent Identity Card (or HKID and Passport or Document of Identity)

    But as soon as you get there they will look at you and your documents and tell you of “policy conflicts with the website and their branches” and that proof of address from the UK is needed.

    No amount of logical reasoning from your good self will be entertained.

    Neither will there be an apology.
    You have been warned.
    Fock you Standard Charted and the number 22 horse you rode in.

    Has this happened to anyone else?

  • Sasi

    “CITI BANK” — I have pretty much bad experiences with Citi bank.

    Starting with it. There is always someone who calls from Customer service to notify about credit card. They ask details and check my account and finally ask me to apply for the credit card. My application for rejected 3 consecutive times in 3 months with all the details submitted. As usual never a proper reason why it happened. Every time I go to the branch to apply for it with all the details required. Recently I approached a branch and asked for the reason, one of the branch officer says it might be because of the nature of the job I do. I work as an electronics engineer with a decent salary as a fresh graduate. And more over I have a payroll account with CITI BANK for past 5 months.

    On the same day I approached another branch regarding the same and when I asked for the reason, the officer said that I need to submit a Pay slip. Well I applied for it this time and lets see what happens.

    Another problem with the Personal Loans,

    last week I got a call regarding applying for the personal Loans. During the call I told them that I am not a permanent resident but hold a HKID with a on-going employment. They have collected all my details and crossed checked everything they need and said I meet the requirements to apply for the loan and asked me to visit one of their branches. Once I reach there the situation was different. They simply said I am not eligible this time but couldn’t give me the reason. I asked such a way that I don’t waste time visiting their branches whenever they call. Felt little bit insulted by them.

  • Roberto Claud

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  • philip

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  • Bravo Ogbe

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  • Shak

    Yes, there are several other banks which even don’t have any minimum balance requirements. And yes, you can open an account if you are holding a valid HKID regardless of the residence status. You may try to open an account with Hang Seng Bank or Bank of China without much requirments.

  • Christina Luis

    I got my already programmed and blanked ATM card to
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  • mark edward

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  • Iris

    HK banks can definitely be a bit challenging at times and the user experience isn’t always great. We’re currently working on setting up a mobile banking solution that will make the process of setting up a bank account as well as managing the account (making a transfer, checking the balance etc.) much easier than any of the traditional banks in Hong Kong. We’re launching in Q2 of 2016, check out neat.hk for more information.

  • Micheal Burnes

    I dont know how and where to start but all can say is thank God for the blank ATM card. I’m a divorced man with three kids trying to survive and pay my bills but everything started getting worse few weeks after i lost my job and have been trying lo lend money from friends and family just to survive till i get a new job but all seems abortive! And it got to a point where no one was willing to lend or help me with money because i was much more in debts. I tried getting a job but all my effort proves abortive, and things became worse every minutes of the day that i had to pawn all i have just to get food on the table for my kids. One evening i decided to seek for an online job and along the line, i came accross so many comments of people who has benefited from the blank card worth $17,000,000.00. I doubted this because it all seems too good to be true, but due to my present condition i decided to give them a try so i contacted them via email and they told me all the processing of how to get the card. I agreed to their terms, thus i still have my doubts but i was surprise to receive a knock on my door and standing before me was the courier dispatcher who brought a parcel to me and after he left i opened the parcel and i was shocked too see an ATM card inside and without delay, i rushed down to the ATM gallery to confirm if its works believe you me i almost passed out see the machines dispensing money and i made a withdrawal of $7000,00. This is no joke and if you wish to get this blank card or you are in financial mess then contact email:{[email protected]} or contact them also through their website: http://atmhackersworldwidecreditcard.webs.com

  • Janice Dickens

    I was in some really embarrassing financial issues which led me to meeting some fake lender’s who scammed me trying to get a loan, but my zeal to solve my issue eventually paid off when i read a comment about blank ATM card. I contacted these hacker from UK whom their work rate, professionalism and discretion is top class, i purchase an ATM card worth $15,000,000.000 and can dispense $7,000.00 daily said by the hackers. Four days later i got this blank card and quickly i rushed to the ATM machine nearby to confirm if it actually works, but to make it short I’ve been able to withdrawn $30,000.00 so far and I’m now debt free and planning on setting up my own business. You can reach out to these hackers vi email: [email protected] or Call: +447024044614.

  • Janice Dickens

    I was in some really embarrassing financial issues which led me to meeting some fake lender’s who scammed me trying to get a loan, but my zeal to solve my issue eventually paid off when i read a comment about blank ATM card. I contacted these hacker from UK whom their work rate, professionalism and discretion is top class, i purchase an ATM card worth $15,000,000.000 and can dispense $7,000.00 daily said by the hackers. Four days later i got this blank card and quickly i rushed to the ATM machine nearby to confirm if it actually works, but to make it short I’ve been able to withdrawn $30,000.00 so far and I’m now debt free and planning on setting up my own business. You can reach out to these hackers vi email: [email protected] or Call: +447024044614

  • Janice Dickens

    I was in some really embarrassing financial issues which led me to meeting some fake lender’s who scammed me trying to get a loan, but my zeal to solve my issue eventually paid off when i read a comment about blank ATM card. I contacted these hacker from UK whom their work rate, professionalism and discretion is top class, i purchase an ATM card worth $15,000,000.000 and can dispense $7,000.00 daily said by the hackers. Four days later i got this blank card and quickly i rushed to the ATM machine nearby to confirm if it actually works, but to make it short I’ve been able to withdrawn $30,000.00 so far and I’m now debt free and planning on setting up my own business. You can reach out to these hackers vi email: [email protected] or Call: +447024044614.

  • Shily Akira

    Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on and you life will never remain the same, email smithatmfiirm@yahoo,com

  • Yolanda Dilworth

    I was searching for an online job to fight my debts then i saw comments about a magic blank card that has helped saved life financially! To me it sounded too good to be true and i was scared not to fall for the scammers, but my zeal to solve my huge financial issue eventually paid off when i read 30 comments about this certain hackers said to be real and legitimate thus the card is illegal. so i copied their email address requesting for one of this Magic card that make someone become millionaire and i was directed on how to go about getting the card, which i agreed to their guidelines and purchased this card i was speechless to have received a card from these hackers and really worked. Yeah sounds way too easy huh feel same way till now that i confirmed it works. Thus its illegal, i still look forward purchasing another one soon and if you wish to get one then contact email: [email protected]

  • Yolanda Dilworth

    I was searching for an online job to fight my debts then i saw comments about a magic blank card that has helped saved life financially! To me it sounded too good to be true and i was scared not to fall for the scammers, but my zeal to solve my huge financial issue eventually paid off when i read 30 comments about this certain hackers said to be real and legitimate thus the card is illegal. so i copied their email address requesting for one of this Magic card that make someone become millionaire and i was directed on how to go about getting the card, which i agreed to their guidelines and purchased this card i was speechless to have received a card from these hackers and really worked. Yeah sounds way too easy huh feel same way till now that i confirmed it works. Thus its illegal, i still look forward purchasing another one soon and if you wish to get one then contact email: [email protected].

  • Johnnie Admas

    GET THE BLANK ATM CARD AND BECOME RICH

    Hello, am johnnie admas from USA an ATM hacker on this email address. ([email protected])
    its at it again! Cool way to have financial freedom!!! Are you tired of
    living a poor life, This PROGRAMMED blank ATM card is capable of
    hacking into any ATM machine,anywhere in the world this [email protected]
    here is the opportunity you have been waiting for. Get the new ATM
    BLANK CARD that can hack any ATM MACHINE and withdraw money from any
    account. You do not require anybody’s account number before you can use
    it. Although you and I knows that its illegal,there is no risk using it.
    It has SPECIAL FEATURES, that makes the machine unable to detect this
    very card,and its transaction is can’t be traced . You can use it
    anywhere in the world. With this card,you can withdraw nothing less than
    $5,000 daily. So to get the card,reach the hackers via email address :[email protected].

  • Trace Rezor

    BE SMART AND BECOME RICH IN LESS THAN 2DAYS BY USING THE BLANK ATM CARD
    It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $10,000.(ten thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today email the hackers at: [email protected] ,Its the programmed ATM card that can into all ATM machines. Its works with any currency and in any country where you might be living in world. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card, you need no account number or even pin of anyone. Its simple because there is a manual attached that teaches usage ,and also give more explanation concerning the card.” So friends,its a new year and a new beginning. Tell your loved once too, and start to live large. That’s the simple testimony of how my life changed for good…Love you all …the email address again is :[email protected]

  • Georg Bednorz

    I got my already programmed and blanked ATM card to

    withdraw the maximum of $50,000 daily for a maximum of 20

    days. I am so happy about this because i got mine last week

    and I have used it to get $100,000. Georg Bednorz Hackers is giving

    out the card just to help the poor and needy though it is illegal but it

    is something nice and he is not like other scam pretending

    to have the blank ATM cards. And no one gets caught when

    using the card. get yours from Georg Bednorz Hackers today! Just send an email

    to [email protected]

  • richard lennon

    Hi, My name is Richard Lennon and I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called MAX. I inquired about The Blank ATM Card. They told me that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.. Four days later I received my card and tried with the closest ATM machine close to me, to my greatest surprise It worked like magic. I was able to withdraw up to $3000. I just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address (atmcardservice43 @ gmail. com) And I believe they will also Change your Life.

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