Zurich Securities Comprehensive Fee Analysis: A 2025 Cost & Benefits Guide Under New HK Account Opening Rules
This complete Zurich Securities 2025 fee guide covers trading rates for HK/US stocks, options and more, with updated account opening rules and overseas proof checklist. Access Hawk Insight channel-exclusive benefits including IPO financing coupons and deposit cash vouchers to cost-effectively invest in HK-US markets.
In 2025, Hong Kong stock account opening policies continue to tighten. Well-known brokers like Futu Securities, Tiger Brokers, and Longbridge Securities have suspended new account openings for mainland users, allowing only users with overseas work or residency proof to open accounts. For mainland investors, breaking through these restrictions and selecting low-fee brokers has become a critical need.
As an emerging fintech broker, Zurich Securities has become a new option for mainland users with its low fees, comprehensive trading products, and flexible account opening policy. This article details Zurich Securities' 2025 fee structure, along with a mainland user account opening guide and Hawk Insight channel-exclusive benefits to help you open accounts efficiently and trade cost-effectively.
Zurich Securities Overview
Zurich Securities, founded in 2019 and part of the Singapore-based Zurich Group, is a full-service fintech brokerage. Licensed by Hong Kong’s Securities and Futures Commission (SFC), it offers securities and futures trading. In 2023, it won multiple "Golden Circle Awards," including Best Wealth Management Performance and Best Fintech Performance. With diverse trading products, smart trading tools, and low fees, Zurich Securities has become a top choice for many investors.
Account Opening Guide & Requirements
New Account Opening Policy
Under current policies, mainland users must provide valid overseas work or residency proof to open a Zurich Securities account.
Accepted Overseas Proof Requirements
Accepted documents include:
- Financial: Bank statements/notices, credit card bills, payslips (showing salary paid by an overseas company).
- Residency: Utility bills, phone bills, overseas rental agreements, or property ownership certificates.
- Official & Others: Insurance policies, tax documents, HK/overseas driver’s licenses, China Exit-Entry Permit with residency endorsement, employment contracts.
Document Requirements: Must be issued within the last 3 months, clearly showing your Chinese/English name, overseas address, issuance date, and issuing institution’s full name. Upload in image format.
What is Overseas Proof? We've compiled common examples of overseas residency and employment documents for your reference. Welcome to read Hong Kong Brokerage Account Opening Changes: Proof Requirements for Mainland Users' Overseas Residence/Employment
Hawk Insight Channel-Exclusive Offers
Users opening accounts via the Hawk Insight Channel enjoy:
Account Opening Rewards
- Margin IPO Financing Coupons * 12
- 100-Day HK/US Stock Commission-Free Trading
Deposit Rewards
| Deposit (HKD) | Cash Coupon Value (HKD) | Quantity |
|---|---|---|
| 10,000 ≤ Amount ＜ 100,000 | 50 | 8 |
| 100,000 ≤ Amount ＜ 500,000 | 50 | 12 |
| 500,000 ≤ Amount ＜ 1,000,000 | 50 | 16 |
| Amount ≥ 1,000,000 | 50 | 24 |
Usage Rules:
- Coupons apply only to position-opening buy orders exceeding coupon value.
- Valid for standard stocks or derivatives (IPOs & odd-lot trades excluded).
- Rebated within 10 working days post-trade; one coupon per order.
Portfolio Transfer Rewards (New & Existing Users)
- Net Transfer ≥ HKD 5M: Receive iPad Air upon completing required trades within 90 days.
- Net Transfer ≥ HKD 10M: Receive iPhone 16 Pro Max upon completing required trades within 90 days.
IPO Offers
- Cash IPO: HKD 0 subscription fee.
- Margin IPO: HKD 99/trade, 0% interest (effective Jan 1, 2025).
Claim Rewards: After account opening, log into the Zurich Securities App > "My Account - Reward Center."
Zurich Securities Fee Details
Fees become critical amid policy changes! Zurich stands out with its "Permanent 0 Commission + Lowest Platform Fees."
(1) Full Cost Analysis: Hong Kong Stocks
1. Commission & Other Charges (Per Trade Value)
| Fee Item | Rate | Min. Charge |
|---|---|---|
| Online Trading Commission | 0.03% (Trade Value) | HKD 3 |
| Stamp Duty (Sell Only) | 0.1% (HK Gov. Levy) | HKD 1 |
| Trading Levy (SFC) | 0.0027% | HKD 0.01 |
| Trading Fee (HKEX) | 0.00565% | HKD 0.01 |
| Settlement Fee (HKSCC) | 0.003% (incl. 0.002% levy) | HKD 3 |
| Platform Fee | HKD 12 / Order (New clients only; existing exempt) | |
2. Other Service Fees
- Stock Transfers: HKD 10/lot, min. HKD 500 (outbound); HKD 10/lot, min. HKD 1000 (physical extraction).
- Proxy Service: Cash dividend collection: 0.5% (min. HKD 30); Dividend tax: 10%.
- Real-Time Quotes: HK LV1 (Mobile): HKD 88/month; LV2 (All Regions): HKD 3188/year.
(2) US Stocks & Options Fees
1. Regular US Stock Trading
| Fee Item | Rate | Min. Charge |
|---|---|---|
| Online Trading Commission | USD 0.0049 / Share | USD 0.99 |
| Settlement Fee (US Clearinghouse) | USD 0.003 / Share | USD 0.4 |
| SEC Fee (Sell Only) | 0.00278% (Trade Value) | USD 0.01 |
| Platform Fee | USD 0.0049 / Share | USD 0.99 |
2. US Options Trading
- Commission: USD 0.3 / Contract (min. USD 1)
- Platform Fee: USD 0.5 / Contract (min. USD 0.8)
- Options Clearing Fee: USD 0.02 × No. of Contracts (max. USD 55)
(3) Virtual Assets & A-Share Fees
| Asset Type | Commission | Platform Fee | Special Charges |
|---|---|---|---|
| Virtual Assets | 0 | 0.2% (Trade Value) | No Stamp Duty |
| A-Shares (Online) | 0.03% | CNY 12 / Order | 0.05% Stamp Duty (Sell Only; ETFs exempt) |
| A-Share Custody Fee | - | (Holding Value × 0.008%) / 365 days (Monthly) | Min. CNY 0.01 |
FAQ
Q1: Must overseas proof be under my name? Can I use my parents' bills?
→ No! Document name must exactly match the account holder's name (spouse's joint bills accepted with marriage certificate).
Q2: Students lack income proof. Solutions?
→ Use university offer + dorm utility bills, or parents' overseas statements + notarized kinship certificate.
Q3: My Exit-Entry Permit residency endorsement expires within 3 months. Can I open an account?
→ No! Endorsement must be valid on the document's issue date (e.g., for a bill issued Jan 1, endorsement must expire ≥ Jan 1).
Q4: Does the "HKD 12/order" platform fee include stamp duty?
→ No! Platform fee is broker charge; 0.1% stamp duty is a Hong Kong government tax (charged separately when selling).
Q5: Can cash coupons be used for IPOs?
→ No! Valid only for standard stocks (HK/US), warrants, CBBCs, etc. Use dedicated margin IPO coupons for subscriptions.
Q6: Is there a minimum charge for the 0.20% virtual asset platform fee?
→ No minimum! But minimum charge per trade: USD 0.1 (e.g., buy $100 Bitcoin → Fee: $0.2).
Q7: When does "0% interest margin IPO" end?
→ Valid until Dec 31, 2025. May resume at 2% p.a. afterwards (still below industry average of 3.5%+).
Q8: How is "number of trades" counted for transfer rewards?
→ Each buy/sell of full lots counts as one trade. Odd-lot trades & IPOs excluded.
Q9: Are unsealed overseas e-bills valid?
→ Yes! Must include official institution logo, full bill number, and verifiable online link (e.g., bank website screenshot).
Q10: How to confirm Hawk Insight channel attribution for account opening?
Use the specified opening link to enjoy exclusive rewards.
Conclusion
The Hong Kong stock market enters a new compliant era in 2025. Zurich Securities, with its full SFC license (Regulated Activities: Type 1,2,4,5,9) and transparent fees, provides a stable trading channel for qualified investors. Its competitive HK stock commission (0.03%, min. HKD 3) and US stock rate (USD 0.0049/share), coupled with Hawk Insight channel benefits, reduce initial costs significantly. Investors targeting HK/US markets should prepare overseas documentation and open accounts via compliant channels to capitalize on policy transition opportunities.
👉 Open an account now to secure all tiered benefits!
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