[{"data":1,"prerenderedAt":2817},["ShallowReactive",2],{"cms-ui-strings":3,"cms-site-settings":108,"cms-navigation":162,"cms-blog-post-template":772,"cms-blog-post-latest":833,"cms-blog-post:wise-transfer-guide":875},{"_createdAt":4,"_id":5,"_rev":6,"_type":7,"_updatedAt":8,"allProvidersLabel":9,"announcementDismissLabel":10,"backToBlogLabel":11,"backToCaseStudiesLabel":12,"backToDownloadsLabel":13,"blogFaqLabel":14,"blogSearchPlaceholder":15,"blogSourcesLabel":16,"blogSummaryLabel":17,"brandHomeLabel":18,"breadcrumbNavigationLabel":19,"caseStudiesLabel":20,"caseStudyApproachLabel":21,"caseStudyBeforeAndAfterSectionLabel":22,"caseStudyChallengeLabel":23,"caseStudyClientLabel":24,"caseStudyCompanyInfoSectionLabel":25,"caseStudyCompanySizeLabel":26,"caseStudyCountryLabel":27,"caseStudyFocusLabel":28,"caseStudyFoundedLabel":29,"caseStudyFounderLabel":30,"caseStudyIndustryLabel":31,"caseStudySavePerYearSectionLabel":32,"caseStudySearchPlaceholder":15,"caseStudyWebsiteLabel":33,"chartDataTableHideLabel":34,"chartDataTableShowLabel":35,"comingSoonLabel":36,"copyLinkLabel":37,"dataProtectionLabel":38,"downloadButtonLabel":39,"downloadSearchPlaceholder":15,"downloadsLabel":40,"emailPlaceholder":41,"formErrorMessage":42,"formInvalidEmailMessage":43,"formInvalidPhoneMessage":44,"formInvalidUrlMessage":45,"formRequiredFieldMessage":46,"formSubmitLabel":47,"formSuccessMessage":48,"goToSlideLabel":49,"includedLabel":50,"language":51,"languageHeading":52,"latestArticlesLabel":53,"launchpadBusinessLocationLabel":54,"launchpadCompanySizeLabel":26,"launchpadFoundedLabel":55,"launchpadHeadquarterLabel":56,"launchpadIndustryLabel":31,"learnMoreLabel":57,"legalEffectiveFromLabel":58,"legalLastUpdatedLabel":59,"loadMoreLabel":60,"mainNavigationLabel":61,"market":62,"marketNames":63,"mostPopularLabel":79,"nextSlideLabel":80,"notIncludedLabel":81,"optionsLabel":82,"previousSlideLabel":83,"pricingFirstPlanFeaturesLabel":84,"pricingUpgradePlanFeaturesLabel":85,"ratingLabel":86,"readCaseStudyLabel":87,"readingTimeLabel":88,"recommendedLabel":89,"regionHeading":90,"regionSelectorLabel":91,"savedPerYearLabel":92,"shareOnFacebookLabel":93,"shareOnLinkedinLabel":94,"shareOnXLabel":95,"sharePostLabel":96,"supportedByLabel":97,"tableOfContentsLabel":98,"titleBrandSuffix":99,"toggleMenuLabel":100,"videoMuteLabel":101,"videoPauseLabel":102,"videoPlayLabel":103,"videoSeekLabel":104,"videoSoundPrompt":105,"videoUnmuteLabel":106,"viewAllCategoriesLabel":107,"viewAllProductsLabel":107},"2026-08-19T09:49:11Z","uiStrings-HK-zh-HK","0YKpiHcLUDtAprmSVETGRo","uiStrings","2026-10-07T09:18:02Z","All","Dismiss announcement","Back to Blog","返回案例分析","返回下載頁面","Frequently Asked Questions","Search","Sources","Summary","Aspire home","導覽路徑","Customer Stories","在使用Aspire後","使用Aspire前後","在使用Aspire前","公司","公司資料","公司規模","國家","案例研究","創立於","創辦人","行業","每年節省","網頁","隱藏數據表","顯示數據表","Coming soon","Copy link","Data protection:","立即下載","Downloads","輸入你的公司電郵","出了點問題，請再試一次。","Email must be formatted correctly.","Please enter a valid phone number.","Please enter a valid website address.","Please complete this required field.","立即免費開戶","Thank you! Your submission has been received!","Go to slide {index}","Included","zh-HK","Language","最新文章","營業地點","成立於","總部","了解更多","Effective from","Last updated","Load more","Main navigation","HK",[64,68,71,74,76],{"_key":65,"_type":66,"label":67,"market":65},"SG","marketName","新加坡",{"_key":69,"_type":66,"label":70,"market":69},"US","美國",{"_key":72,"_type":66,"label":73,"market":72},"AU","澳洲",{"_key":62,"_type":66,"label":75,"market":62},"香港",{"_key":77,"_type":66,"label":78,"market":77},"NL","荷蘭","Most popular","Next","Not included","Options","Previous","計劃內容","包含 {planName} 計劃所有功能，另享：","{rating} out of {max} stars","查閱案例研究","{minutes} min read","Recommended","Region","Change country\u002Fregion","每年可節省","Share on Facebook","Share on LinkedIn","Share on X","分享此帖文","Supported by","目錄","Aspire Hong Kong","Toggle menu","靜音","暫停","播放","播放進度","按此開啟聲音","取消靜音","View all",{"_createdAt":109,"_id":110,"_rev":111,"_type":112,"_updatedAt":113,"announcementBar":114,"baseUrl":123,"defaultSeo":124,"defaultSocialShareImageUrl":129,"footer":134,"footerLegalParagraphsRich":156,"language":51,"market":62,"mobileApp":157,"siteName":160,"studioVersion":161},"2026-08-19T09:49:08Z","siteSettings-HK-zh-HK","1za1AgGXrJWIU5rVtuzGqU","siteSettings","2026-09-30T04:44:27Z",{"enabled":115,"link":116,"text":122},true,{"_type":117,"internal":118,"label":57,"linkType":121},"link",{"_ref":119,"_type":120},"page-HK-aspire-for-startups-zh-HK","reference","internal","🚀 Aspire 初創方案: 尊享高達 HK$12,000 現金回贈，優先開戶，並加入創辦人專屬社群。","https:\u002F\u002Faspireapp.com",{"_type":125,"metaDescription":126,"metaTitle":127,"noIndex":128},"seo","專為企業打造的智能金融平台！全面支援本地轉帳網絡與全球匯款低至 0.18% 匯率優勢。整合公司戶口、批量匯款與公司 Visa 卡開支管理等功能，無縫串接主流會計軟體，讓企業營運效率翻倍！","Aspire：一站式企業金融平台｜全球匯款低至 0.18%",false,{"_type":130,"alternativeText":127,"height":131,"url":132,"width":133},"imageUrl",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F85140fd22c0db3172ae945de0be80088\u002F6a10208767972cc962cd715f_Website-Preview.webp",1200,{"copyright":135,"legalParagraphs":136,"socialLinks":139},"© 2025 AFT HK Ltd. 版權所有。",[137,138],"AFT HK Limited註冊於香港（75317450-000），並由香港海關和稅務部門頒發金錢服務經營者牌照。","收益帳戶由 AFT HK Treasury Limited（「AFT Treasury」）於香港提供。AFT Treasury 已獲 Securities and Futures Commission（證監會）發牌（中央編號：BWA638），可從事第 1 類（證券交易）、第 4 類（就證券提供意見）及第 9 類（資產管理）受規管活動。目前，AFT Treasury 僅向客戶提供第 1 類及第 4 類服務，並計劃於未來提供第 9 類服務。",[140,146,151],{"_key":141,"_type":142,"label":143,"platform":144,"url":145},"social-linkedin","socialLink","Aspire on Linkedin","linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Faspireapp-global\u002F",{"_key":147,"_type":142,"label":148,"platform":149,"url":150},"social-instagram","Aspire on Instagram","instagram","https:\u002F\u002Fwww.instagram.com\u002Faspireapp.global\u002F",{"_key":152,"_type":142,"label":153,"platform":154,"url":155},"social-x","Aspire on X","x","https:\u002F\u002Fx.com\u002Faspireappglobal",null,{"rating":158},{"value":159},4.5,"Aspire","2026.10.8",{"_createdAt":163,"_id":164,"_rev":165,"_type":166,"_updatedAt":167,"footerGroups":168,"getStartedLink":448,"header":450,"language":51,"loginLink":465,"market":62,"megaMenu":468},"2026-08-19T09:49:10Z","navigation-HK-zh-HK","N1G5rtOZj8187JlhVSibFh","navigation","2026-10-07T09:24:24Z",[169,203,256,303,393,422],{"_key":170,"_type":171,"links":172,"title":202},"footer-x","footerGroup",[173,181,188,195],{"_key":174,"_type":117,"internal":175,"internalTarget":177,"label":180,"linkType":121},"f-x-0",{"_ref":176,"_type":120},"page-HK-business-account-zh-HK",{"_type":178,"slug":179},"page","business-account","商業賬戶",{"_key":182,"_type":117,"internal":183,"internalTarget":185,"label":187,"linkType":121},"f-x-1",{"_ref":184,"_type":120},"page-HK-corporate-card-zh-HK",{"_type":178,"slug":186},"corporate-card","公司卡",{"_key":189,"_type":117,"internal":190,"internalTarget":192,"label":194,"linkType":121},"f-x-2",{"_ref":191,"_type":120},"page-HK-global-payments-zh-HK",{"_type":178,"slug":193},"global-payments","環球付款和外匯",{"_key":196,"_type":117,"internal":197,"internalTarget":199,"label":201,"linkType":121},"f-x-3",{"_ref":198,"_type":120},"page-HK-expense-management-zh-HK",{"_type":178,"slug":200},"expense-management","開支管理","產品",{"_key":170,"_type":171,"links":204,"title":255},[205,211,217,223,229,236,243,250],{"_key":174,"_type":117,"internal":206,"internalTarget":208,"label":210,"linkType":121},{"_ref":207,"_type":120},"page-HK-bulk-payments-zh-HK",{"_type":178,"slug":209},"bulk-payments","批量付款",{"_key":182,"_type":117,"internal":212,"internalTarget":214,"label":216,"linkType":121},{"_ref":213,"_type":120},"page-HK-budgets-zh-HK",{"_type":178,"slug":215},"budgets","預算管理",{"_key":189,"_type":117,"internal":218,"internalTarget":220,"label":222,"linkType":121},{"_ref":219,"_type":120},"page-HK-employee-claims-zh-HK",{"_type":178,"slug":221},"employee-claims","員工報銷",{"_key":196,"_type":117,"internal":224,"internalTarget":226,"label":228,"linkType":121},{"_ref":225,"_type":120},"page-HK-multi-user-access-zh-HK",{"_type":178,"slug":227},"multi-user-access","團隊權限設定",{"_key":230,"_type":117,"internal":231,"internalTarget":233,"label":235,"linkType":121},"f-invoice-4",{"_ref":232,"_type":120},"page-HK-invoice-management-zh-HK",{"_type":178,"slug":234},"invoice-management","發票管理 (Invoice)",{"_key":237,"_type":117,"internal":238,"internalTarget":240,"label":242,"linkType":121},"f-ar-5",{"_ref":239,"_type":120},"page-HK-receivable-management-zh-HK",{"_type":178,"slug":241},"receivable-management","應收賬款管理 (AR)",{"_key":244,"_type":117,"internal":245,"internalTarget":247,"label":249,"linkType":121},"f-ap-6",{"_ref":246,"_type":120},"page-HK-payable-management-zh-HK",{"_type":178,"slug":248},"payable-management","應付帳款管理 (AP)",{"_key":251,"_type":117,"internal":252,"internalTarget":253,"label":254,"linkType":121},"f-x-7",{"_ref":176,"_type":120},{"_type":178,"slug":179},"匯款至內地","產品特色",{"_key":257,"_type":171,"links":258,"title":302},"footer-invoice-ar-ap",[259,267,274,281,288,295],{"_key":260,"_type":117,"internal":261,"internalTarget":263,"label":266,"linkType":121},"f-aspire-vs-airwallex-0",{"_ref":262,"_type":120},"comparison-HK-aspire-vs-airwallex-zh-HK",{"_type":264,"slug":265},"comparison","aspire-vs-airwallex","Aspire vs Airwallex",{"_key":268,"_type":117,"internal":269,"internalTarget":271,"label":273,"linkType":121},"f-aspire-vs-1",{"_ref":270,"_type":120},"comparison-HK-aspire-vs-traditional-banks-zh-HK",{"_type":264,"slug":272},"aspire-vs-traditional-banks","Aspire vs 傳統銀行",{"_key":275,"_type":117,"internal":276,"internalTarget":278,"label":280,"linkType":121},"f-aspire-vs-2",{"_ref":277,"_type":120},"comparison-HK-aspire-vs-hang-seng-zh-HK",{"_type":264,"slug":279},"aspire-vs-hang-seng","Aspire vs 恒生銀行",{"_key":282,"_type":117,"internal":283,"internalTarget":285,"label":287,"linkType":121},"f-aspire-vs-3",{"_ref":284,"_type":120},"comparison-HK-aspire-vs-hsbc-zh-HK",{"_type":264,"slug":286},"aspire-vs-hsbc","Aspire vs 匯豐銀行",{"_key":289,"_type":117,"internal":290,"internalTarget":292,"label":294,"linkType":121},"f-aspire-vs-statrys-4",{"_ref":291,"_type":120},"comparison-HK-aspire-vs-statrys-zh-HK",{"_type":264,"slug":293},"aspire-vs-statrys","Aspire vs Statrys",{"_key":296,"_type":117,"internal":297,"internalTarget":299,"label":301,"linkType":121},"f-aspire-vs-wise-5",{"_ref":298,"_type":120},"comparison-HK-aspire-vs-wise-zh-HK",{"_type":264,"slug":300},"aspire-vs-wise","Aspire vs Wise","方案對比",{"_key":304,"_type":171,"links":305,"title":392},"footer-aspire-vs-airwallexaspire-vs",[306,312,319,325,331,336,343,350,357,364,371,378,385],{"_key":174,"_type":117,"internal":307,"internalTarget":309,"label":311,"linkType":121},{"_ref":308,"_type":120},"page-HK-blog-zh-HK",{"_type":178,"slug":310},"blog","部落格",{"_key":313,"_type":117,"internal":314,"internalTarget":316,"label":318,"linkType":121},"f-aspire-launchpad-1",{"_ref":315,"_type":120},"page-HK-launchpad-zh-HK",{"_type":178,"slug":317},"launchpad","Aspire Launchpad",{"_key":320,"_type":117,"internal":321,"internalTarget":322,"label":324,"linkType":121},"f-aspire-for-startups-2",{"_ref":119,"_type":120},{"_type":178,"slug":323},"aspire-for-startups","Aspire for Startups",{"_key":196,"_type":117,"internal":326,"internalTarget":328,"label":330,"linkType":121},{"_ref":327,"_type":120},"page-HK-case-studies-zh-HK",{"_type":178,"slug":329},"case-studies","客戶故事",{"_key":332,"_type":117,"externalUrl":333,"internalTarget":156,"label":334,"linkType":335},"f-x-4","https:\u002F\u002Fhelp.aspireapp.com\u002Fhk\u002Fzh-TW\u002F","常見問題","external",{"_key":337,"_type":117,"internal":338,"internalTarget":340,"label":342,"linkType":121},"f-amazon-5",{"_ref":339,"_type":120},"page-HK-calculator-amazon-seller-fees-calculator-zh-HK",{"_type":178,"slug":341},"calculator\u002Famazon-seller-fees-calculator","Amazon 費用計算機",{"_key":344,"_type":117,"internal":345,"internalTarget":347,"label":349,"linkType":121},"f-mpf-6",{"_ref":346,"_type":120},"page-HK-mpf-calculator-zh-HK",{"_type":178,"slug":348},"mpf-calculator","MPF 計算機",{"_key":351,"_type":117,"internal":352,"internalTarget":354,"label":356,"linkType":121},"f-2025-26-7",{"_ref":353,"_type":120},"page-HK-calculators-corporate-tax-calculator-zh-HK",{"_type":178,"slug":355},"calculators\u002Fcorporate-tax-calculator","利得稅計算機 2025\u002F26",{"_key":358,"_type":117,"internal":359,"internalTarget":361,"label":363,"linkType":121},"f-x-8",{"_ref":360,"_type":120},"page-HK-calculators-apr-conversion-calculator-zh-HK",{"_type":178,"slug":362},"calculators\u002Fapr-conversion-calculator","月平息換算實際年利率計算機",{"_key":365,"_type":117,"internal":366,"internalTarget":368,"label":370,"linkType":121},"f-x-9",{"_ref":367,"_type":120},"page-HK-calculators-loan-calculator-zh-HK",{"_type":178,"slug":369},"calculators\u002Floan-calculator","個人\u002F商業貸款還款計算機",{"_key":372,"_type":117,"internal":373,"internalTarget":375,"label":377,"linkType":121},"f-burn-rate-10",{"_ref":374,"_type":120},"page-HK-calculators-burn-rate-calculator-zh-HK",{"_type":178,"slug":376},"calculators\u002Fburn-rate-calculator","初創燒錢率 (Burn Rate) 計算機",{"_key":379,"_type":117,"internal":380,"internalTarget":382,"label":384,"linkType":121},"f-x-11",{"_ref":381,"_type":120},"page-HK-calculators-cheque-writing-tool-zh-HK",{"_type":178,"slug":383},"calculators\u002Fcheque-writing-tool","支票金額大寫轉換器",{"_key":386,"_type":117,"internal":387,"internalTarget":389,"label":391,"linkType":121},"f-profit-margin-12",{"_ref":388,"_type":120},"page-HK-calculators-profit-margin-calculator-zh-HK",{"_type":178,"slug":390},"calculators\u002Fprofit-margin-calculator","毛利率 (Profit Margin) 計算機","資源",{"_key":394,"_type":171,"links":395,"title":24},"footer-aspire-launchpadaspire-for-s",[396,403,409,416],{"_key":397,"_type":117,"internal":398,"internalTarget":400,"label":402,"linkType":121},"f-aspire-0",{"_ref":399,"_type":120},"page-HK-about-us-zh-HK",{"_type":178,"slug":401},"about-us","關於 Aspire",{"_key":182,"_type":117,"internal":404,"internalTarget":406,"label":408,"linkType":121},{"_ref":405,"_type":120},"page-HK-contact-us-zh-HK",{"_type":178,"slug":407},"contact-us","聯絡資料",{"_key":410,"_type":117,"internal":411,"internalTarget":413,"label":415,"linkType":121},"f-aspire-3",{"_ref":412,"_type":120},"page-HK-partners-zh-HK",{"_type":178,"slug":414},"partners","成為 Aspire 的夥伴",{"_key":332,"_type":117,"internal":417,"internalTarget":419,"label":421,"linkType":121},{"_ref":418,"_type":120},"page-HK-newsroom-zh-HK",{"_type":178,"slug":420},"newsroom","新聞中心",{"_key":423,"_type":171,"isLegal":115,"links":424,"title":447},"footer-legal",[425,433,440],{"_key":426,"_type":117,"internal":427,"internalTarget":429,"label":432,"linkType":121,"openInNewTab":128},"legal-privacy-policy",{"_ref":428,"_type":120},"legalPage-HK-privacy-policy-zh-HK",{"_type":430,"slug":431},"legalPage","privacy-policy","隱私權政策",{"_key":434,"_type":117,"internal":435,"internalTarget":437,"label":439,"linkType":121,"openInNewTab":128},"legal-debit-card-terms-and-conditions",{"_ref":436,"_type":120},"legalPage-HK-debit-card-terms-and-conditions-zh-HK",{"_type":430,"slug":438},"debit-card-terms-and-conditions","條款與條件",{"_key":441,"_type":117,"internal":442,"internalTarget":444,"label":446,"linkType":121,"openInNewTab":128},"legal-complaints",{"_ref":443,"_type":120},"page-HK-complaints-zh-HK",{"_type":178,"slug":445},"complaints","投訴政策","Legal",{"_type":117,"externalUrl":449,"internalTarget":156,"label":47,"linkType":335,"openInNewTab":115},"https:\u002F\u002Fapp.aspireapp.com\u002Fregister\u002Fperson",[451,454,456,457,463],{"_key":452,"_type":117,"internalTarget":156,"label":202,"linkType":453},"nav-x","none",{"_key":452,"_type":117,"internalTarget":156,"label":455,"linkType":453},"解決方案",{"_key":452,"_type":117,"internalTarget":156,"label":392,"linkType":453},{"_key":452,"_type":117,"internal":458,"internalTarget":460,"label":462,"linkType":121},{"_ref":459,"_type":120},"page-HK-pricing-zh-HK",{"_type":178,"slug":461},"pricing","價格",{"_key":452,"_type":117,"internalTarget":156,"label":464,"linkType":453},"全球業務佈局",{"_type":117,"externalUrl":466,"internalTarget":156,"label":467,"linkType":335,"openInNewTab":115},"https:\u002F\u002Fapp.aspireapp.com\u002Flogin","登入",[469,564,696,755],{"_key":470,"_type":471,"columns":472,"featured":553,"label":202},"mm-x","megaMenuPanel",[473,505,530],{"_key":474,"_type":475,"links":476,"title":180},"c-x-0","megaMenuColumn",[477,484,489,497],{"_key":478,"_type":479,"link":480},"l-x-0","megaMenuLink",{"_type":117,"internal":481,"internalTarget":482,"label":483,"linkType":121},{"_ref":176,"_type":120},{"_type":178,"slug":179},"多幣種帳戶",{"_key":485,"_type":479,"link":486},"l-x-1",{"_type":117,"internal":487,"internalTarget":488,"label":187,"linkType":121},{"_ref":184,"_type":120},{"_type":178,"slug":186},{"_key":490,"_type":479,"link":491},"l-x-2",{"_type":117,"internal":492,"internalTarget":494,"label":496,"linkType":121},{"_ref":493,"_type":120},"page-HK-yield-zh-HK",{"_type":178,"slug":495},"yield","收益帳戶",{"_key":498,"_type":479,"link":499},"l-x-3",{"_type":117,"internal":500,"internalTarget":502,"label":504,"linkType":121},{"_ref":501,"_type":120},"page-HK-use-case-payroll-zh-HK",{"_type":178,"slug":503},"use-case\u002Fpayroll","出糧戶口",{"_key":506,"_type":475,"links":507,"title":529},"c-cfo-1",[508,512,516,522],{"_key":478,"_type":479,"link":509},{"_type":117,"internal":510,"internalTarget":511,"label":201,"linkType":121},{"_ref":198,"_type":120},{"_type":178,"slug":200},{"_key":485,"_type":479,"link":513},{"_type":117,"internal":514,"internalTarget":515,"label":216,"linkType":121},{"_ref":213,"_type":120},{"_type":178,"slug":215},{"_key":517,"_type":479,"link":518},"l-ar-2",{"_type":117,"internal":519,"internalTarget":520,"label":521,"linkType":121},{"_ref":232,"_type":120},{"_type":178,"slug":234},"應收賬款 (AR)",{"_key":498,"_type":479,"link":523},{"_type":117,"internal":524,"internalTarget":526,"label":528,"linkType":121},{"_ref":525,"_type":120},"page-HK-employer-of-record-zh-HK",{"_type":178,"slug":527},"employer-of-record","人力資源代管","CFO 專區",{"_key":531,"_type":475,"links":532,"title":552},"c-x-2",[533,538,545],{"_key":478,"_type":479,"link":534},{"_type":117,"internal":535,"internalTarget":536,"label":537,"linkType":121},{"_ref":191,"_type":120},{"_type":178,"slug":193},"國際匯款及換匯",{"_key":485,"_type":479,"link":539},{"_type":117,"internal":540,"internalTarget":542,"label":544,"linkType":121},{"_ref":541,"_type":120},"page-HK-issuance-zh-HK",{"_type":178,"slug":543},"issuance","出卡服務",{"_key":490,"_type":479,"link":546},{"_type":117,"internal":547,"internalTarget":549,"label":551,"linkType":121},{"_ref":548,"_type":120},"page-HK-global-account-zh-HK",{"_type":178,"slug":550},"global-account","環球帳戶","平台功能",{"body":554,"eyebrow":555,"heading":556,"image":557,"link":561},"為日常營運複雜、且需要專屬客戶經理的企業而設","最新動態","適合您業務需要的價格計劃",{"_type":130,"decorative":115,"height":558,"url":559,"width":560},300,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F015a53c008534f6ca384d53f932a5b6b\u002F68fa072e9f0a363d784248dd_Frame-1707480689.webp",588,{"_type":117,"internal":562,"internalTarget":563,"label":556,"linkType":121},{"_ref":459,"_type":120},{"_type":178,"slug":461},{"_key":470,"_type":471,"columns":565,"featured":678,"label":455},[566,597,619,651],{"_key":474,"_type":475,"links":567,"title":31},[568,576,583,590],{"_key":478,"_type":479,"link":569},{"_type":117,"internal":570,"internalTarget":572,"label":575,"linkType":121},{"_ref":571,"_type":120},"solution-HK-consulting-zh-HK",{"_type":573,"slug":574},"solution","consulting","顧問公司",{"_key":485,"_type":479,"link":577},{"_type":117,"internal":578,"internalTarget":580,"label":582,"linkType":121},{"_ref":579,"_type":120},"solution-HK-ecommerce-zh-HK",{"_type":573,"slug":581},"ecommerce","電子商務",{"_key":490,"_type":479,"link":584},{"_type":117,"internal":585,"internalTarget":587,"label":589,"linkType":121},{"_ref":586,"_type":120},"solution-HK-marketing-agencies-zh-HK",{"_type":573,"slug":588},"marketing-agencies","市場營銷",{"_key":498,"_type":479,"link":591},{"_type":117,"internal":592,"internalTarget":594,"label":596,"linkType":121},{"_ref":593,"_type":120},"solution-HK-vc-funds-zh-HK",{"_type":573,"slug":595},"vc-funds","創投和投資公司",{"_key":598,"_type":475,"links":599,"title":24},"c-x-1",[600,605,612],{"_key":478,"_type":479,"link":601},{"_type":117,"internal":602,"internalTarget":603,"label":604,"linkType":121},{"_ref":119,"_type":120},{"_type":178,"slug":323},"初創",{"_key":485,"_type":479,"link":606},{"_type":117,"internal":607,"internalTarget":609,"label":611,"linkType":121},{"_ref":608,"_type":120},"solution-HK-sme-zh-HK",{"_type":573,"slug":610},"sme","中小企",{"_key":490,"_type":479,"link":613},{"_type":117,"internal":614,"internalTarget":616,"label":618,"linkType":121},{"_ref":615,"_type":120},"solution-HK-mid-sized-companies-zh-HK",{"_type":573,"slug":617},"mid-sized-companies","中型企業",{"_key":531,"_type":475,"links":620,"title":650},[621,628,634,642],{"_key":478,"_type":479,"link":622},{"_type":117,"internal":623,"internalTarget":625,"label":627,"linkType":121},{"_ref":624,"_type":120},"page-HK-aspire-for-accountants-zh-HK",{"_type":178,"slug":626},"partners\u002Faccountants","會計師事務所",{"_key":485,"_type":479,"link":629},{"_type":117,"internal":630,"internalTarget":632,"label":582,"linkType":121},{"_ref":631,"_type":120},"page-HK-partners-ecommerce-zh-HK",{"_type":178,"slug":633},"partners\u002Fecommerce",{"_key":635,"_type":479,"link":636},"l-corpsec-2",{"_type":117,"internal":637,"internalTarget":639,"label":641,"linkType":121},{"_ref":638,"_type":120},"page-HK-partners-corpsec-zh-HK",{"_type":178,"slug":640},"partners\u002Fcorpsec","公司秘書 (CorpSec)",{"_key":643,"_type":479,"link":644},"l-incubators-3",{"_type":117,"internal":645,"internalTarget":647,"label":649,"linkType":121},{"_ref":646,"_type":120},"page-HK-partners-vc-and-incubators-zh-HK",{"_type":178,"slug":648},"partners\u002Fvc-and-incubators","創投及孵化 (Incubators)","合作夥伴",{"_key":652,"_type":475,"links":653,"title":677},"c-x-3",[654,662,669],{"_key":655,"_type":479,"link":656},"l-aspire-connect-0",{"_type":117,"internal":657,"internalTarget":659,"label":661,"linkType":121},{"_ref":658,"_type":120},"page-HK-aspire-connect-zh-HK",{"_type":178,"slug":660},"aspire-connect","Aspire Connect",{"_key":485,"_type":479,"link":663},{"_type":117,"internal":664,"internalTarget":666,"label":668,"linkType":121},{"_ref":665,"_type":120},"page-HK-integrations-zh-HK",{"_type":178,"slug":667},"integrations","軟件平台整合",{"_key":670,"_type":479,"link":671},"l-aspire-api-2",{"_type":117,"internal":672,"internalTarget":674,"label":676,"linkType":121},{"_ref":673,"_type":120},"page-HK-api-zh-HK",{"_type":178,"slug":675},"api","Aspire API","系統連接",{"body":679,"eyebrow":680,"link":681,"logo":684,"person":689},"「開立Aspire賬戶的過程非常快捷且毫不費力…我很欣賞他們在整個過程中提供的優質服務，再者網上平台也非常容易使用，亦付有很好的功能。」","客戶評價",{"_type":117,"externalUrl":682,"internalTarget":156,"label":683,"linkType":335},"https:\u002F\u002Ftestimonial.to\u002Faspire-testimonials\u002Fall","查看所有客戶評價",{"_type":130,"alternativeText":685,"height":686,"url":687,"width":688},"Tech In Asia",2645,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F2ff0ffa9ddde696666b9864ea7a4e8ad\u002F69684e48dddb500cdb790e4d_techinasia.webp",14650,{"image":690,"name":694,"role":695},{"_type":130,"alternativeText":691,"height":692,"url":693,"width":692},"Latha Natarajan，Tech In Asia 財務總監",41,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Ffe034d0bece564c2cd527bcd337b3806\u002F66f1187b1b8b19ef066879f7_latha-natrajan-small.webp","Latha Natarajan","Tech In Asia 財務總監",{"_key":470,"_type":471,"columns":697,"featured":742,"label":392},[698,719,729],{"_key":474,"_type":475,"links":699,"title":718},[700,705,712,716],{"_key":478,"_type":479,"link":701},{"_type":117,"internal":702,"internalTarget":703,"label":704,"linkType":121},{"_ref":308,"_type":120},{"_type":178,"slug":310},"網誌",{"_key":485,"_type":479,"link":706},{"_type":117,"internal":707,"internalTarget":709,"label":711,"linkType":121},{"_ref":708,"_type":120},"page-HK-downloads-zh-HK",{"_type":178,"slug":710},"downloads","市場洞察報告",{"_key":490,"_type":479,"link":713},{"_type":117,"internal":714,"internalTarget":715,"label":330,"linkType":121},{"_ref":327,"_type":120},{"_type":178,"slug":329},{"_key":498,"_type":479,"link":717},{"_type":117,"externalUrl":333,"internalTarget":156,"label":334,"linkType":335},"實用資源",{"_key":598,"_type":475,"links":720,"title":728},[721],{"_key":478,"_type":479,"link":722},{"_type":117,"internal":723,"internalTarget":725,"label":727,"linkType":121},{"_ref":724,"_type":120},"page-HK-rewards-zh-HK",{"_type":178,"slug":726},"rewards","優惠和獎賞","優勢",{"_key":531,"_type":475,"links":730,"title":741},[731,736],{"_key":732,"_type":479,"link":733},"l-aspire-0",{"_type":117,"internal":734,"internalTarget":735,"label":402,"linkType":121},{"_ref":399,"_type":120},{"_type":178,"slug":401},{"_key":490,"_type":479,"link":737},{"_type":117,"internal":738,"internalTarget":739,"label":740,"linkType":121},{"_ref":412,"_type":120},{"_type":178,"slug":414},"成為合作夥伴","公司資訊",{"body":743,"eyebrow":330,"heading":744,"image":745,"link":749},"Zenyum 如何透過 Aspire 公司卡，讓員工有效地管理支出","Zenyum",{"_type":130,"alternativeText":744,"height":746,"url":747,"width":748},195,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F43bc3d3401709db93b2423684e24984c\u002F6a2693b7ff679ec1b695c852_66f22710a14d16852adf7a30_zenyum.webp",375,{"_type":117,"internal":750,"internalTarget":752,"label":744,"linkType":121},{"_ref":751,"_type":120},"caseStudy-HK-zenyum-zh-HK",{"_type":753,"slug":754},"caseStudy","zenyum",{"_key":470,"_type":471,"columns":756,"featured":156,"label":464},[757],{"_key":474,"_type":475,"links":758,"title":771},[759,766],{"_key":478,"_type":479,"link":760},{"_type":117,"internal":761,"internalTarget":763,"label":765,"linkType":121},{"_ref":762,"_type":120},"page-HK-launchpad-usbusiness-zh-HK",{"_type":178,"slug":764},"launchpad\u002Fusbusiness","進軍美國市場",{"_key":485,"_type":479,"link":767},{"_type":117,"internal":768,"internalTarget":769,"label":770,"linkType":121},{"_ref":315,"_type":120},{"_type":178,"slug":317},"拓展香港業務","",{"_createdAt":773,"_id":774,"_rev":775,"_type":776,"_updatedAt":777,"asideCta":778,"bottomCta":786,"disclaimer":792,"language":51,"market":62,"midCta":825},"2026-08-20T08:06:00Z","blogPostTemplate-HK-zh-HK","s8k3pIFJmZrTtV5XljWRgT","blogPostTemplate","2026-10-01T04:56:31Z",{"heading":779,"image":780,"link":784},"只需幾分鐘 即可開立你的 Aspire 商業戶口",{"_type":130,"alternativeText":160,"height":781,"url":782,"width":783},200,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fc76545453549b9687122cd1c3bcbf74c\u002F6a5d2ac2cf5561baa2f8fb85_Frame-1707480717.png",305,{"_type":117,"externalUrl":449,"label":785,"linkType":335,"openInNewTab":115},"立即開戶",{"body":787,"heading":788,"link":789},"免費開設帳戶","讓 Aspire 助您簡化全球商業匯款",{"_type":117,"externalUrl":790,"label":791,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Ftalk-to-sales","聯絡銷售團隊",[793],{"_key":794,"_type":795,"children":796,"markDefs":818,"style":824},"edd9baf3-253","block",[797,802,806,810,814],{"_key":798,"_type":799,"marks":800,"text":801},"40f743b2-a88-0a","span",[],"免責聲明：本部落格僅供一般參考，不構成財務、法律、稅務或專業建議。Aspire 的服務受我們「",{"_key":803,"_type":799,"marks":804,"text":439},"40f743b2-a88-0b",[805],"disclaimer-link-0",{"_key":807,"_type":799,"marks":808,"text":809},"40f743b2-a88-1a",[],"」和「",{"_key":811,"_type":799,"marks":812,"text":462},"40f743b2-a88-1b",[813],"disclaimer-link-1",{"_key":815,"_type":799,"marks":816,"text":817},"40f743b2-a88-end",[],"」頁面中規定的條款約束。我們不保證內容的準確性、完整性或及時性，並且過往結果不代表未來表現。在根據所提供資訊採取行動之前，請務必諮詢合資格的專業人士。",[819,822],{"_key":805,"_type":820,"externalUrl":821,"linkType":335},"linkAnnotation","\u002Ftnc\u002Fmaster-service-agreement",{"_key":813,"_type":820,"externalUrl":823,"linkType":335},"\u002Fpricing","normal",{"eyebrow":318,"heading":826,"image":827,"link":831},"使用 Aspire Launchpad 輕鬆助你香港創業",{"_type":130,"alternativeText":160,"height":828,"url":829,"width":830},1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":117,"externalUrl":790,"label":832,"linkType":335},"跟銷售人員聯絡",[834,846,857,865],{"_id":835,"category":836,"coverImage":838,"description":843,"publishedAt":844,"slug":845,"title":839},"blogPost-HK-aspire-yield-launch-zh-HK",{"slug":420,"title":837},"Newsroom",{"_type":130,"alternativeText":839,"height":840,"url":841,"width":842},"Aspire Yield 繼新加坡後進駐香港：助港企善用閒置營運資金賺取回報，資金最快翌日可靈活調動",629,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F21755e4c74893f44cb7105efb50d8109\u002Faspire-yield-launch_cover.png",1198,"繼新加坡後 Aspire Yield 正式登陸香港！助港企善用閒置營運資金賺取回報，支援多幣種管理且資金最快翌日可靈活調動，打造安全高效的企業理財方案","2026-09-14T00:00:00.000Z","aspire-yield-launch",{"_id":847,"category":848,"coverImage":851,"description":854,"publishedAt":855,"slug":856,"title":852},"blogPost-HK-flywire-guide-zh-HK",{"slug":849,"title":850},"e-commerce","E-commerce",{"_type":130,"alternativeText":852,"height":131,"url":853,"width":133},"Flywire 教學：3 大用途、手續費匯率計算與防詐指南","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fdbcf53a180fa7694c34aff0667d7fa0c\u002Fflywire-guide_cover.jpeg","完整拆解 Flywire 於學費、醫療及企業 B2B 付款的 3 大用途！比較銀行轉帳與信用卡手續費、匯率點差及到賬時間，並教你避開付款詐騙與延誤。","2026-09-04T00:00:00.000Z","flywire-guide",{"_id":858,"category":859,"coverImage":860,"description":863,"publishedAt":855,"slug":864,"title":861},"blogPost-HK-google-ads-pricing-billing-methods-zh-HK",{"slug":849,"title":850},{"_type":130,"alternativeText":861,"height":131,"url":862,"width":133},"Google Ads 收費教學：拆解 CPC\u002FCPM 模式與 3 大扣款模式","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F6b8529e6ce5c4a9c28719538c72be1a3\u002Fgoogle-ads-pricing-billing-methods_cover.jpeg","剖析 Google Ads 廣告計費邏輯！帶你比較 CPC 與 CPM 模式的適用場景，掌握 3 種最新扣款與付款方式，並提供信用卡跨境交易手續費的避險指南。","google-ads-pricing-billing-methods",{"_id":866,"category":867,"coverImage":870,"description":873,"publishedAt":855,"slug":874,"title":871},"blogPost-HK-marketing-strategy-framework-guide-zh-HK",{"slug":868,"title":869},"guides","Guides",{"_type":130,"alternativeText":871,"height":131,"url":872,"width":133},"市場營銷策略教學：STP 定位、4P 組合與實務指標","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fbfce2a56dd92d0cfcff38196d39163c8\u002Fmarketing-strategy-framework-guide_cover.jpeg","深入了解市場營銷策略框架！釐清 STP 與 4P 應用技巧，解析 CAC、LTV 等四大衡量指標，並提供香港中小企品牌定位公式與落地執行清單，輕鬆建立長遠品牌價值。","marketing-strategy-framework-guide",{"data":876,"sourceMap":-1},{"_id":877,"_updatedAt":878,"alternates":879,"areSourcesShown":128,"author":885,"body":895,"category":2723,"coverImage":2726,"excerpt":2729,"faq":156,"intro":2773,"isFaqShown":128,"isSummaryShown":115,"isVideoShown":128,"publishedAt":2786,"reviewer":156,"seo":2787,"slug":2790,"sources":2791,"title":2727,"video":156},"blogPost-HK-wise-transfer-guide-zh-HK","2026-09-24T08:36:23Z",[880,882,883],{"canonicalUrl":156,"isNoIndex":156,"language":881,"market":62,"pathPrefix":156},"en-HK",{"canonicalUrl":156,"isNoIndex":156,"language":51,"market":62,"pathPrefix":156},{"canonicalUrl":156,"isNoIndex":156,"language":884,"market":62,"pathPrefix":156},"zh-Hans-HK",{"avatar":886,"bio":891,"doesServePage":115,"linkedinUrl":892,"name":887,"role":893,"slug":894,"twitterUrl":156},{"_type":130,"alternativeText":887,"height":888,"url":889,"width":890},"Galih Gumelar",2262,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F287881c633d9f9aa6975899b31cdb6e4\u002F659f55ddde7415e7fd2b0657_Galih-Gumelar.jpg",1984,"Galih 是一位資深作家，專注於宏觀經濟、商業、金融及政治領域。他曾為 CNN Indonesia、《雅加達郵報》以及其他多家知名媒體撰稿，擁有豐富的寫作經驗。憑藉廣泛的背景與視野，Galih 致力為有志創業者提供深入、有價值的資源。","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fgalih-gumelar-husni\u002F","撰稿人","galih-gumelar",[896,905,913,932,951,959,967,975,984,1001,1020,1036,1044,1060,1068,1084,1282,1290,1298,1306,1325,1333,1357,1365,1384,1392,1400,1408,1416,1425,1433,1441,1460,1468,1476,1484,1492,1500,1508,1520,1528,1536,1544,1559,1567,1575,1583,1591,1599,1607,1692,1700,1708,1716,1728,1740,1752,1764,1772,1795,1807,1819,1831,1839,1855,1871,1879,1887,1895,1903,1911,1923,1931,1939,2303,2311,2327,2343,2359,2382,2416,2428,2440,2452,2460,2489,2517,2575,2617,2625,2632,2640,2648,2656,2664,2672,2680,2688,2696,2704],{"_key":897,"_type":795,"children":898,"markDefs":903,"style":904},"k3",[899],{"_key":900,"_type":799,"marks":901,"text":902},"k2",[],"Wise 是什麼？匯款原理簡介",[],"h2",{"_key":906,"_type":795,"children":907,"markDefs":912,"style":824},"k7",[908],{"_key":909,"_type":799,"marks":910,"text":911},"k6",[],"Wise（前稱 TransferWise）是一家於 2011 年在英國成立的金融科技公司，主要提供跨境匯款及多幣種金融服務。",[],{"_key":914,"_type":795,"children":915,"markDefs":929,"style":824},"k16",[916,920,925],{"_key":917,"_type":799,"marks":918,"text":919},"k13",[],"除了透過 ",{"_key":921,"_type":799,"marks":922,"text":924},"k14",[923],"k9","SWIFT 網絡",{"_key":926,"_type":799,"marks":927,"text":928},"k15",[],"進行跨境電匯，Wise 採用本地銀行網絡合作的方式運作。在支援的匯款路線中，用戶的資金會存入 Wise 在匯出國的本地銀行帳戶，而收款人則從 Wise 在收款國的本地銀行帳戶收到等值款項。Wise 會透過內部系統調配餘額或匹配相反方向的匯款需求，以減少對傳統跨境支付系統的依賴。",[930],{"_key":923,"_type":820,"externalUrl":931,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fwhat-is-a-wire-transfer",{"_key":933,"_type":795,"children":934,"markDefs":948,"style":824},"k25",[935,939,944],{"_key":936,"_type":799,"marks":937,"text":938},"k22",[],"舉例而言，當用戶從香港以港幣匯出並轉換為英國英鎊時，款項會存入 Wise 在香港的本地銀行帳戶，收款人則從 Wise 在英國的本地銀行帳戶收到等值款項。此安排可減少",{"_key":940,"_type":799,"marks":941,"text":943},"k23",[942],"k18","中介銀行",{"_key":945,"_type":799,"marks":946,"text":947},"k24",[],"參與，從而降低相關費用，並讓用戶按接近實時中間市場匯率進行貨幣兌換。",[949],{"_key":942,"_type":820,"externalUrl":950,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fwhat-is-an-intermediary-bank",{"_key":952,"_type":795,"children":953,"markDefs":958,"style":824},"k29",[954],{"_key":955,"_type":799,"marks":956,"text":957},"k28",[],"在香港，Wise 受香港海關（Customs and Excise Department）監管，持有金錢服務經營者（MSO）牌照（牌照號碼：25-03-03263），屬合法營運平台。Wise 目前支援向全球超過 160 個國家及地區匯款，並提供超過 40 種貨幣的服務。",[],{"_key":960,"_type":795,"children":961,"markDefs":966,"style":904},"k33",[962],{"_key":963,"_type":799,"marks":964,"text":965},"k32",[],"Wise 香港功能：個人帳戶 vs 商業帳戶",[],{"_key":968,"_type":795,"children":969,"markDefs":974,"style":824},"k37",[970],{"_key":971,"_type":799,"marks":972,"text":973},"k36",[],"Wise 在香港提供個人帳戶（Personal Account）與商業帳戶（Business Account）兩類服務，兩者在資金持有、接收方式及附加功能上有明顯差異。",[],{"_key":976,"_type":795,"children":977,"markDefs":982,"style":983},"k41",[978],{"_key":979,"_type":799,"marks":980,"text":981},"k40",[],"個人帳戶（Personal Account）",[],"h3",{"_key":985,"_type":795,"children":986,"markDefs":1000,"style":824},"k49",[987,991,996],{"_key":988,"_type":799,"marks":989,"text":990},"k46",[],"根據 Wise 官方資料，香港註冊的 Wise 個人帳戶",{"_key":992,"_type":799,"marks":993,"text":995},"k47",[994],"strong","無法持有或儲存資金餘額",{"_key":997,"_type":799,"marks":998,"text":999},"k48",[],"，只能作為匯款的中轉通道使用。這意味著用戶可以接收資金、進行貨幣兌換以及將資金匯出，但不能將外幣兌換後長期存放在帳戶內等待日後使用。",[],{"_key":1002,"_type":795,"children":1003,"markDefs":1017,"style":824},"k58",[1004,1008,1013],{"_key":1005,"_type":799,"marks":1006,"text":1007},"k55",[],"在接收資金方面，香港個人帳戶支援透過",{"_key":1009,"_type":799,"marks":1010,"text":1012},"k56",[1011],"k51","轉數快（FPS）",{"_key":1014,"_type":799,"marks":1015,"text":1016},"k57",[],"接收港元或人民幣款項，FPS 接收通常免費。此外，亦可透過 CHATS 本地銀行轉帳及 SWIFT 國際匯款接收資金，支援的貨幣包括港元、人民幣、美元、歐元等外幣。",[1018],{"_key":1011,"_type":820,"externalUrl":1019,"linkType":335},"https:\u002F\u002Fwww.aspireapp.com\u002Fzh-HK\u002Fblog\u002Fset-up-business-fps",{"_key":1021,"_type":795,"children":1022,"markDefs":1035,"style":824},"k66",[1023,1027,1031],{"_key":1024,"_type":799,"marks":1025,"text":1026},"k63",[],"至於 Wise 扣帳卡，目前",{"_key":1028,"_type":799,"marks":1029,"text":1030},"k64",[994],"香港的個人用戶無法申請",{"_key":1032,"_type":799,"marks":1033,"text":1034},"k65",[],"。若用戶從其他地區遷移至香港，原有的 Wise 卡會被自動封鎖，且無法申請新卡。",[],{"_key":1037,"_type":795,"children":1038,"markDefs":1043,"style":983},"k70",[1039],{"_key":1040,"_type":799,"marks":1041,"text":1042},"k69",[],"商業帳戶（Business Account）",[],{"_key":1045,"_type":795,"children":1046,"markDefs":1059,"style":824},"k78",[1047,1051,1055],{"_key":1048,"_type":799,"marks":1049,"text":1050},"k75",[],"香港的 Wise 商業帳戶在資金管理和收款功能上，較個人帳戶提供更多便利。商業帳戶可以",{"_key":1052,"_type":799,"marks":1053,"text":1054},"k76",[994],"持有多種貨幣的餘額",{"_key":1056,"_type":799,"marks":1057,"text":1058},"k77",[],"，一般支援 40 種以上貨幣的綜合管理。企業用戶可在匯率較佳時預先進行貨幣兌換，並將資金儲存在帳戶內，以便隨時用於支付海外供應商款項。",[],{"_key":1061,"_type":795,"children":1062,"markDefs":1067,"style":824},"k82",[1063],{"_key":1064,"_type":799,"marks":1065,"text":1066},"k81",[],"此外，香港的 Wise 商業帳戶可獲取多個主要貨幣的本地銀行帳戶詳情，包括美元、歐元、英鎊、澳元、加拿大元及新加坡元等，讓企業能夠以當地貨幣直接接收來自相關國家的付款，減少外匯風險。",[],{"_key":1069,"_type":795,"children":1070,"markDefs":1083,"style":824},"k90",[1071,1075,1079],{"_key":1072,"_type":799,"marks":1073,"text":1074},"k87",[],"需要留意的是，現時",{"_key":1076,"_type":799,"marks":1077,"text":1078},"k88",[994],"香港的商業帳戶尚未開放 Wise 企業扣帳卡功能",{"_key":1080,"_type":799,"marks":1081,"text":1082},"k89",[],"，企業用戶暫時無法申請 Wise 企業卡用作公司卡使用。",[],{"_key":1085,"_type":1086,"columnHeaders":1087,"hasColumnTitles":115,"hasRowTitles":128,"rows":1101},"k91","richTableBlock",[1088,1093,1097],{"_key":1089,"_type":1090,"cellIndex":1091,"title":1092},"k92","columnHeader",0,"功能",{"_key":1094,"_type":1090,"cellIndex":1095,"title":1096},"k93",1,"個人帳戶",{"_key":1098,"_type":1090,"cellIndex":1099,"title":1100},"k94",2,"商業帳戶",[1102,1140,1175,1211,1247],{"_key":1103,"_type":1104,"cells":1105},"k95","row",[1106,1118,1129],{"_key":1107,"_type":1108,"content":1109},"k96","richTableCell",[1110],{"_key":1111,"_type":795,"children":1112,"markDefs":1117,"style":824},"k147",[1113],{"_key":1114,"_type":799,"marks":1115,"text":1116},"k146",[],"持有多幣種餘額",[],{"_key":1119,"_type":1108,"content":1120},"k99",[1121],{"_key":1122,"_type":795,"children":1123,"markDefs":1128,"style":824},"k150",[1124],{"_key":1125,"_type":799,"marks":1126,"text":1127},"k149",[],"不支援",[],{"_key":1130,"_type":1108,"content":1131},"k102",[1132],{"_key":1133,"_type":795,"children":1134,"markDefs":1139,"style":824},"k153",[1135],{"_key":1136,"_type":799,"marks":1137,"text":1138},"k152",[],"支援 40+ 種貨幣",[],{"_key":1141,"_type":1104,"cells":1142},"k105",[1143,1154,1165],{"_key":1144,"_type":1108,"content":1145},"k106",[1146],{"_key":1147,"_type":795,"children":1148,"markDefs":1153,"style":824},"k156",[1149],{"_key":1150,"_type":799,"marks":1151,"text":1152},"k155",[],"FPS 收款",[],{"_key":1155,"_type":1108,"content":1156},"k109",[1157],{"_key":1158,"_type":795,"children":1159,"markDefs":1164,"style":824},"k159",[1160],{"_key":1161,"_type":799,"marks":1162,"text":1163},"k158",[],"通常免費",[],{"_key":1166,"_type":1108,"content":1167},"k112",[1168],{"_key":1169,"_type":795,"children":1170,"markDefs":1174,"style":824},"k162",[1171],{"_key":1172,"_type":799,"marks":1173,"text":1163},"k161",[],[],{"_key":1176,"_type":1104,"cells":1177},"k115",[1178,1189,1200],{"_key":1179,"_type":1108,"content":1180},"k116",[1181],{"_key":1182,"_type":795,"children":1183,"markDefs":1188,"style":824},"k165",[1184],{"_key":1185,"_type":799,"marks":1186,"text":1187},"k164",[],"本地銀行帳戶詳情",[],{"_key":1190,"_type":1108,"content":1191},"k119",[1192],{"_key":1193,"_type":795,"children":1194,"markDefs":1199,"style":824},"k168",[1195],{"_key":1196,"_type":799,"marks":1197,"text":1198},"k167",[],"有限",[],{"_key":1201,"_type":1108,"content":1202},"k122",[1203],{"_key":1204,"_type":795,"children":1205,"markDefs":1210,"style":824},"k171",[1206],{"_key":1207,"_type":799,"marks":1208,"text":1209},"k170",[],"美元、歐元、英鎊等",[],{"_key":1212,"_type":1104,"cells":1213},"k125",[1214,1225,1236],{"_key":1215,"_type":1108,"content":1216},"k126",[1217],{"_key":1218,"_type":795,"children":1219,"markDefs":1224,"style":824},"k174",[1220],{"_key":1221,"_type":799,"marks":1222,"text":1223},"k173",[],"扣帳卡／公司卡",[],{"_key":1226,"_type":1108,"content":1227},"k129",[1228],{"_key":1229,"_type":795,"children":1230,"markDefs":1235,"style":824},"k177",[1231],{"_key":1232,"_type":799,"marks":1233,"text":1234},"k176",[],"香港不支援",[],{"_key":1237,"_type":1108,"content":1238},"k132",[1239],{"_key":1240,"_type":795,"children":1241,"markDefs":1246,"style":824},"k180",[1242],{"_key":1243,"_type":799,"marks":1244,"text":1245},"k179",[],"香港暫未開放",[],{"_key":1248,"_type":1104,"cells":1249},"k135",[1250,1261,1272],{"_key":1251,"_type":1108,"content":1252},"k136",[1253],{"_key":1254,"_type":795,"children":1255,"markDefs":1260,"style":824},"k183",[1256],{"_key":1257,"_type":799,"marks":1258,"text":1259},"k182",[],"月費",[],{"_key":1262,"_type":1108,"content":1263},"k139",[1264],{"_key":1265,"_type":795,"children":1266,"markDefs":1271,"style":824},"k186",[1267],{"_key":1268,"_type":799,"marks":1269,"text":1270},"k185",[],"HK$0",[],{"_key":1273,"_type":1108,"content":1274},"k142",[1275],{"_key":1276,"_type":795,"children":1277,"markDefs":1281,"style":824},"k189",[1278],{"_key":1279,"_type":799,"marks":1280,"text":1270},"k188",[],[],{"_key":1283,"_type":795,"children":1284,"markDefs":1289,"style":904},"k193",[1285],{"_key":1286,"_type":799,"marks":1287,"text":1288},"k192",[],"Wise 匯款手續費：如何計算？",[],{"_key":1291,"_type":795,"children":1292,"markDefs":1297,"style":824},"k197",[1293],{"_key":1294,"_type":799,"marks":1295,"text":1296},"k196",[],"傳統銀行的國際匯款成本通常由「表面手續費」與「隱藏匯率加價」（exchange rate markup）兩部分組成，當中後者是許多消費者較難察覺的主要隱藏成本。Wise 的定位是費用透明，所有成本均在轉帳確認前清楚顯示。",[],{"_key":1299,"_type":795,"children":1300,"markDefs":1305,"style":983},"k201",[1301],{"_key":1302,"_type":799,"marks":1303,"text":1304},"k200",[],"匯率政策",[],{"_key":1307,"_type":795,"children":1308,"markDefs":1322,"style":824},"k210",[1309,1313,1318],{"_key":1310,"_type":799,"marks":1311,"text":1312},"k207",[],"Wise 聲稱使用市場中間匯率進行兌換，且不加任何利潤加成，不會從匯率中溢價獲利。相比之下，傳統銀行通常會在匯率中加入隱藏加價，從而獲取額外利潤。如需了解如何自行計算匯率差異，可參考：",{"_key":1314,"_type":799,"marks":1315,"text":1317},"k208",[1316],"k203","如何計算匯率",{"_key":1319,"_type":799,"marks":1320,"text":1321},"k209",[],"。",[1323],{"_key":1316,"_type":820,"externalUrl":1324,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fhow-to-calculate-exchange-rate",{"_key":1326,"_type":795,"children":1327,"markDefs":1332,"style":983},"k214",[1328],{"_key":1329,"_type":799,"marks":1330,"text":1331},"k213",[],"手續費結構",[],{"_key":1334,"_type":795,"children":1335,"markDefs":1356,"style":824},"k226",[1336,1340,1344,1348,1352],{"_key":1337,"_type":799,"marks":1338,"text":1339},"k221",[],"Wise 的手續費為透明單一費用（transfer fee），由",{"_key":1341,"_type":799,"marks":1342,"text":1343},"k222",[994],"固定成分",{"_key":1345,"_type":799,"marks":1346,"text":1347},"k223",[],"及",{"_key":1349,"_type":799,"marks":1350,"text":1351},"k224",[994],"變動成分",{"_key":1353,"_type":799,"marks":1354,"text":1355},"k225",[],"組成。費用會在平台上即時顯示，包括「轉帳費用」及「匯率」，並清楚列出收款人最終可收取的確切金額。具體費率視乎貨幣路線（currency pair）、匯款金額及入金方式而定。",[],{"_key":1358,"_type":795,"children":1359,"markDefs":1364,"style":983},"k230",[1360],{"_key":1361,"_type":799,"marks":1362,"text":1363},"k229",[],"匯款上限",[],{"_key":1366,"_type":795,"children":1367,"markDefs":1381,"style":824},"k239",[1368,1372,1377],{"_key":1369,"_type":799,"marks":1370,"text":1371},"k236",[],"從香港發送港元（HKD）匯款，單筆最高限額可達 HK$1,000 萬。實際上限視乎所選付款方式及帳戶驗證級別而定。大額轉帳可能需要提供額外資料（如收款人出生日期或交易目的）。如需了解",{"_key":1373,"_type":799,"marks":1374,"text":1376},"k237",[1375],"k232","大額轉賬注意事項",{"_key":1378,"_type":799,"marks":1379,"text":1380},"k238",[],"，可參考相關文章。",[1382],{"_key":1375,"_type":820,"externalUrl":1383,"linkType":335},"https:\u002F\u002Fwww.aspireapp.com\u002Fzh-HK\u002Fblog\u002Flarge-amount-transfer",{"_key":1385,"_type":795,"children":1386,"markDefs":1391,"style":904},"k243",[1387],{"_key":1388,"_type":799,"marks":1389,"text":1390},"k242",[],"Wise 香港匯款教學",[],{"_key":1393,"_type":795,"children":1394,"markDefs":1399,"style":824},"k247",[1395],{"_key":1396,"_type":799,"marks":1397,"text":1398},"k246",[],"使用 Wise 進行國際匯款的操作流程相對直接，以下是完整步驟。",[],{"_key":1401,"_type":795,"children":1402,"markDefs":1407,"style":983},"k251",[1403],{"_key":1404,"_type":799,"marks":1405,"text":1406},"k250",[],"第一步：開設帳戶及完成身份驗證",[],{"_key":1409,"_type":795,"children":1410,"markDefs":1415,"style":824},"k255",[1411],{"_key":1412,"_type":799,"marks":1413,"text":1414},"k254",[],"前往 Wise 官方網站或下載 Wise 手機應用程式，使用電郵地址、Google 帳號或 Apple ID 進行註冊。按照指示填寫個人基本資料，並準備以下文件：",[],{"_key":1417,"_type":795,"children":1418,"level":1095,"listItem":1423,"markDefs":1424,"style":824},"k259",[1419],{"_key":1420,"_type":799,"marks":1421,"text":1422},"k258",[],"香港身份證或護照","bullet",[],{"_key":1426,"_type":795,"children":1427,"level":1095,"listItem":1423,"markDefs":1432,"style":824},"k263",[1428],{"_key":1429,"_type":799,"marks":1430,"text":1431},"k262",[],"住址證明文件（例如最近三個月的水電費單、銀行月結單或政府信件）",[],{"_key":1434,"_type":795,"children":1435,"markDefs":1440,"style":824},"k267",[1436],{"_key":1437,"_type":799,"marks":1438,"text":1439},"k266",[],"在 App 中使用手機鏡頭拍攝證件正反面，並進行人臉識別（selfie）。多數情況下，系統會在幾分鐘至數小時內完成初步審核；若需人工覆核，通常需 1–2 個工作天。建議提前準備清晰的文件照片以加快流程。",[],{"_key":1442,"_type":795,"children":1443,"markDefs":1457,"style":824},"k276",[1444,1448,1453],{"_key":1445,"_type":799,"marks":1446,"text":1447},"k273",[],"如需了解香港各類",{"_key":1449,"_type":799,"marks":1450,"text":1452},"k274",[1451],"k269","地址證明（香港）",{"_key":1454,"_type":799,"marks":1455,"text":1456},"k275",[],"的要求，可參考相關指南。",[1458],{"_key":1451,"_type":820,"externalUrl":1459,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fproof-of-address-hong-kong",{"_key":1461,"_type":795,"children":1462,"markDefs":1467,"style":983},"k280",[1463],{"_key":1464,"_type":799,"marks":1465,"text":1466},"k279",[],"第二步：以轉數快（FPS）入金",[],{"_key":1469,"_type":795,"children":1470,"markDefs":1475,"style":824},"k284",[1471],{"_key":1472,"_type":799,"marks":1473,"text":1474},"k283",[],"Wise 支援香港用戶透過轉數快（FPS）入金，這是目前成本較低且速度較快的入金方式：",[],{"_key":1477,"_type":795,"children":1478,"level":1095,"listItem":1423,"markDefs":1483,"style":824},"k288",[1479],{"_key":1480,"_type":799,"marks":1481,"text":1482},"k287",[],"在 Wise 中設定好匯款路線後，系統會顯示付款指示",[],{"_key":1485,"_type":795,"children":1486,"level":1095,"listItem":1423,"markDefs":1491,"style":824},"k292",[1487],{"_key":1488,"_type":799,"marks":1489,"text":1490},"k291",[],"Wise 會提供一個 FPS 識別碼（可以是電話號碼、電郵地址，或特定 FPS ID，例如 hkd@wise.com）",[],{"_key":1493,"_type":795,"children":1494,"level":1095,"listItem":1423,"markDefs":1499,"style":824},"k296",[1495],{"_key":1496,"_type":799,"marks":1497,"text":1498},"k295",[],"登入你的香港本地銀行 App，選擇「轉數快（FPS）」功能",[],{"_key":1501,"_type":795,"children":1502,"level":1095,"listItem":1423,"markDefs":1507,"style":824},"k300",[1503],{"_key":1504,"_type":799,"marks":1505,"text":1506},"k299",[],"輸入 Wise 提供的識別碼及轉賬金額，確認並提交",[],{"_key":1509,"_type":795,"children":1510,"level":1095,"listItem":1423,"markDefs":1519,"style":824},"k306",[1511,1515],{"_key":1512,"_type":799,"marks":1513,"text":1514},"k304",[],"Wise 一般能在幾分鐘內確認收到 FPS 資金；",{"_key":1516,"_type":799,"marks":1517,"text":1518},"k305",[994],"請注意，首次 HKD 轉賬必須以銀行轉賬方式付款，可能需要較長時間完成驗證，完成後續轉賬才可選用其他付款方式",[],{"_key":1521,"_type":795,"children":1522,"markDefs":1527,"style":983},"k310",[1523],{"_key":1524,"_type":799,"marks":1525,"text":1526},"k309",[],"第三步：設定匯款路線及收款人資料",[],{"_key":1529,"_type":795,"children":1530,"markDefs":1535,"style":824},"k314",[1531],{"_key":1532,"_type":799,"marks":1533,"text":1534},"k313",[],"登入 Wise App 或網站，點擊「匯款」（Send money），輸入你要匯出的港幣金額，或收款人希望收到的外幣金額（系統會自動顯示即時匯率及預估手續費）。",[],{"_key":1537,"_type":795,"children":1538,"markDefs":1543,"style":824},"k318",[1539],{"_key":1540,"_type":799,"marks":1541,"text":1542},"k317",[],"新增或選擇收款人，並填寫其銀行帳戶資料：",[],{"_key":1545,"_type":795,"children":1546,"level":1095,"listItem":1423,"markDefs":1556,"style":824},"k325",[1547,1551],{"_key":1548,"_type":799,"marks":1549,"text":1550},"k323",[],"歐洲國家：通常需 ",{"_key":1552,"_type":799,"marks":1553,"text":1555},"k324",[1554],"k320","IBAN 號碼",[1557],{"_key":1554,"_type":820,"externalUrl":1558,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fwhat-is-an-iban-number",{"_key":1560,"_type":795,"children":1561,"level":1095,"listItem":1423,"markDefs":1566,"style":824},"k329",[1562],{"_key":1563,"_type":799,"marks":1564,"text":1565},"k328",[],"英國：Sort Code + Account Number",[],{"_key":1568,"_type":795,"children":1569,"level":1095,"listItem":1423,"markDefs":1574,"style":824},"k333",[1570],{"_key":1571,"_type":799,"marks":1572,"text":1573},"k332",[],"美國：Routing Number + Account Number",[],{"_key":1576,"_type":795,"children":1577,"level":1095,"listItem":1423,"markDefs":1582,"style":824},"k337",[1578],{"_key":1579,"_type":799,"marks":1580,"text":1581},"k336",[],"其他地區：按系統提示填寫",[],{"_key":1584,"_type":795,"children":1585,"markDefs":1590,"style":824},"k341",[1586],{"_key":1587,"_type":799,"marks":1588,"text":1589},"k340",[],"選擇付款方式，仔細檢查所有資料後確認付款。付款完成後，可在 App 中即時追蹤匯款狀態。",[],{"_key":1592,"_type":795,"children":1593,"markDefs":1598,"style":983},"k345",[1594],{"_key":1595,"_type":799,"marks":1596,"text":1597},"k344",[],"主要貨幣路線到賬時間參考",[],{"_key":1600,"_type":795,"children":1601,"markDefs":1606,"style":824},"k349",[1602],{"_key":1603,"_type":799,"marks":1604,"text":1605},"k348",[],"Wise 透過本地銀行網絡處理轉帳，因此多數常見路線的到賬速度較快。以下為香港用戶發送 HKD 的常見參考時間（實際時間因具體路線、收款人銀行及驗證狀態而有所差異）：",[],{"_key":1608,"_type":1086,"columnHeaders":1609,"hasColumnTitles":115,"hasRowTitles":128,"rows":1616},"k350",[1610,1613],{"_key":1611,"_type":1090,"cellIndex":1091,"title":1612},"k351","匯款路線",{"_key":1614,"_type":1090,"cellIndex":1095,"title":1615},"k352","參考到賬時間",[1617,1642,1667],{"_key":1618,"_type":1104,"cells":1619},"k353",[1620,1631],{"_key":1621,"_type":1108,"content":1622},"k354",[1623],{"_key":1624,"_type":795,"children":1625,"markDefs":1630,"style":824},"k376",[1626],{"_key":1627,"_type":799,"marks":1628,"text":1629},"k375",[],"港幣至英鎊（GBP）",[],{"_key":1632,"_type":1108,"content":1633},"k357",[1634],{"_key":1635,"_type":795,"children":1636,"markDefs":1641,"style":824},"k379",[1637],{"_key":1638,"_type":799,"marks":1639,"text":1640},"k378",[],"通常幾秒至幾分鐘（透過英國本地支付網絡）",[],{"_key":1643,"_type":1104,"cells":1644},"k360",[1645,1656],{"_key":1646,"_type":1108,"content":1647},"k361",[1648],{"_key":1649,"_type":795,"children":1650,"markDefs":1655,"style":824},"k382",[1651],{"_key":1652,"_type":799,"marks":1653,"text":1654},"k381",[],"港幣至美元（USD）",[],{"_key":1657,"_type":1108,"content":1658},"k364",[1659],{"_key":1660,"_type":795,"children":1661,"markDefs":1666,"style":824},"k385",[1662],{"_key":1663,"_type":799,"marks":1664,"text":1665},"k384",[],"通常 1 個工作天內，部分路線可即日完成",[],{"_key":1668,"_type":1104,"cells":1669},"k367",[1670,1681],{"_key":1671,"_type":1108,"content":1672},"k368",[1673],{"_key":1674,"_type":795,"children":1675,"markDefs":1680,"style":824},"k388",[1676],{"_key":1677,"_type":799,"marks":1678,"text":1679},"k387",[],"港幣至歐元（EUR）",[],{"_key":1682,"_type":1108,"content":1683},"k371",[1684],{"_key":1685,"_type":795,"children":1686,"markDefs":1691,"style":824},"k391",[1687],{"_key":1688,"_type":799,"marks":1689,"text":1690},"k390",[],"大多數情況下同一工作天內抵達",[],{"_key":1693,"_type":795,"children":1694,"markDefs":1699,"style":824},"k395",[1695],{"_key":1696,"_type":799,"marks":1697,"text":1698},"k394",[],"首次轉帳或大額匯款可能需額外審核時間。建議在 Wise App 中輸入具體金額及路線，即可看到即時預估到賬時間。",[],{"_key":1701,"_type":795,"children":1702,"markDefs":1707,"style":904},"k399",[1703],{"_key":1704,"_type":799,"marks":1705,"text":1706},"k398",[],"Wise 優缺點總結：哪類用戶最適合？",[],{"_key":1709,"_type":795,"children":1710,"markDefs":1715,"style":983},"k403",[1711],{"_key":1712,"_type":799,"marks":1713,"text":1714},"k402",[],"Wise 的主要優點",[],{"_key":1717,"_type":795,"children":1718,"markDefs":1727,"style":824},"k409",[1719,1723],{"_key":1720,"_type":799,"marks":1721,"text":1722},"k407",[994],"費用透明，匯率清晰可見",{"_key":1724,"_type":799,"marks":1725,"text":1726},"k408",[],"：Wise 採用市場中間匯率，所有轉帳費用（包括固定費及百分比費）均在確認前清楚顯示，讓用戶預先知道確切成本及收款人最終收到的金額。",[],{"_key":1729,"_type":795,"children":1730,"markDefs":1739,"style":824},"k415",[1731,1735],{"_key":1732,"_type":799,"marks":1733,"text":1734},"k413",[994],"轉帳速度較快",{"_key":1736,"_type":799,"marks":1737,"text":1738},"k414",[],"：對於許多主要貨幣路線，轉帳通常可在數秒至數小時內完成。Wise 聲稱大多數轉帳在 24 小時內到達，部分甚至更快。實際時間受貨幣組合、支付方式、驗證情況及是否為工作日影響。",[],{"_key":1741,"_type":795,"children":1742,"markDefs":1751,"style":824},"k421",[1743,1747],{"_key":1744,"_type":799,"marks":1745,"text":1746},"k419",[994],"FPS 收款方便",{"_key":1748,"_type":799,"marks":1749,"text":1750},"k420",[],"：Wise 支援香港轉數快（FPS），用戶可透過手機號碼、電郵或 FPS ID 接收國際匯款至 HKD 餘額，接收 FPS 付款通常免費，適合接收海外家人匯款或國際客戶付款。",[],{"_key":1753,"_type":795,"children":1754,"markDefs":1763,"style":824},"k427",[1755,1759],{"_key":1756,"_type":799,"marks":1757,"text":1758},"k425",[994],"無月費或帳戶維持費",{"_key":1760,"_type":799,"marks":1761,"text":1762},"k426",[],"：開立及維持 Wise 帳戶無需支付任何月費、訂閱費或閒置費，用戶僅在使用轉帳或兌換服務時才支付費用。",[],{"_key":1765,"_type":795,"children":1766,"markDefs":1771,"style":983},"k431",[1767],{"_key":1768,"_type":799,"marks":1769,"text":1770},"k430",[],"Wise 在香港的功能限制",[],{"_key":1773,"_type":795,"children":1774,"markDefs":1792,"style":824},"k442",[1775,1779,1783,1788],{"_key":1776,"_type":799,"marks":1777,"text":1778},"k438",[994],"個人帳戶不能存款",{"_key":1780,"_type":799,"marks":1781,"text":1782},"k439",[],"：香港個人帳戶無法長期持有餘額，只能作為匯款中轉通道。這與",{"_key":1784,"_type":799,"marks":1785,"text":1787},"k440",[1786],"k434","外幣帳戶",{"_key":1789,"_type":799,"marks":1790,"text":1791},"k441",[],"的功能有本質區別，若用戶希望在帳戶內持有外幣等待匯率時機，個人帳戶並不適用。",[1793],{"_key":1786,"_type":820,"externalUrl":1794,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fforeign-currency-account",{"_key":1796,"_type":795,"children":1797,"markDefs":1806,"style":824},"k448",[1798,1802],{"_key":1799,"_type":799,"marks":1800,"text":1801},"k446",[994],"香港個人用戶目前不支援扣帳卡",{"_key":1803,"_type":799,"marks":1804,"text":1805},"k447",[],"：無論是新申請還是從其他地區遷移至香港的用戶，均無法使用 Wise 扣帳卡功能。",[],{"_key":1808,"_type":795,"children":1809,"markDefs":1818,"style":824},"k454",[1810,1814],{"_key":1811,"_type":799,"marks":1812,"text":1813},"k452",[994],"商業帳戶暫未開放公司卡",{"_key":1815,"_type":799,"marks":1816,"text":1817},"k453",[],"：對於有員工日常消費管理需求的企業，這是一個實質限制。公司卡不僅方便員工使用，更能透過自動分類和報銷功能節省大量行政時間。",[],{"_key":1820,"_type":795,"children":1821,"markDefs":1830,"style":824},"k460",[1822,1826],{"_key":1823,"_type":799,"marks":1824,"text":1825},"k458",[994],"客戶支援主要為線上渠道",{"_key":1827,"_type":799,"marks":1828,"text":1829},"k459",[],"：以 App 聊天或電郵為主，在複雜查詢或涉及合規審查時，回應速度可能較慢。",[],{"_key":1832,"_type":795,"children":1833,"markDefs":1838,"style":983},"k464",[1834],{"_key":1835,"_type":799,"marks":1836,"text":1837},"k463",[],"最適合哪類用戶？",[],{"_key":1840,"_type":795,"children":1841,"markDefs":1854,"style":824},"k472",[1842,1846,1850],{"_key":1843,"_type":799,"marks":1844,"text":1845},"k469",[],"Wise 非常適合以下個人用戶場景：",{"_key":1847,"_type":799,"marks":1848,"text":1849},"k470",[994],"需要支付海外學費的留學生、移民海外需要轉移生活費的人士、定期接收外幣薪酬的自由職業者，以及經常有個人外匯需求的普通用戶",{"_key":1851,"_type":799,"marks":1852,"text":1853},"k471",[],"。它在這些場景下的費用透明度和操作便利性表現突出。",[],{"_key":1856,"_type":795,"children":1857,"markDefs":1870,"style":824},"k480",[1858,1862,1866],{"_key":1859,"_type":799,"marks":1860,"text":1861},"k477",[],"對於香港的企業用戶而言，如果你的公司只偶爾需要進行單筆海外匯款，Wise 商業帳戶可以滿足基本需求。但如果企業需要",{"_key":1863,"_type":799,"marks":1864,"text":1865},"k478",[994],"公司卡管理、自動會計對帳、員工報銷、多幣種收款，以及從日常支出中獲取回贈",{"_key":1867,"_type":799,"marks":1868,"text":1869},"k479",[],"，則需要考慮功能更全面的商業帳戶方案。",[],{"_key":1872,"_type":795,"children":1873,"markDefs":1878,"style":904},"k484",[1874],{"_key":1875,"_type":799,"marks":1876,"text":1877},"k483",[],"Wise × Aspire：兩家平台的合作關係",[],{"_key":1880,"_type":795,"children":1881,"markDefs":1886,"style":824},"k488",[1882],{"_key":1883,"_type":799,"marks":1884,"text":1885},"k487",[],"在比較兩個平台之前，有一個背景值得了解：Wise 和 Aspire 並非純粹的競爭對手，兩者之間實際上存在技術合作關係。",[],{"_key":1888,"_type":795,"children":1889,"markDefs":1894,"style":824},"k492",[1890],{"_key":1891,"_type":799,"marks":1892,"text":1893},"k491",[],"Wise Platform 與 Aspire 自 2019 年開始合作，最初為新加坡的企業客戶提供快速、低成本的跨境付款服務。2025 年 12 月，雙方宣佈將合作範圍正式擴展至香港，讓 Aspire 的香港用戶能夠透過 Aspire 平台，以 40 種貨幣向全球匯款。",[],{"_key":1896,"_type":795,"children":1897,"markDefs":1902,"style":824},"k496",[1898],{"_key":1899,"_type":799,"marks":1900,"text":1901},"k495",[],"這項合作由 Wise Platform 的 API 基礎設施驅動。目前 Aspire 超過一半的跨境付款可在 20 秒內即時到達，92% 的付款在 24 小時內送達收款人。 換言之，當你使用 Aspire 進行國際匯款時，部分技術路線實際上由 Wise 的本地支付網絡提供支援。",[],{"_key":1904,"_type":795,"children":1905,"markDefs":1910,"style":824},"k500",[1906],{"_key":1907,"_type":799,"marks":1908,"text":1909},"k499",[],"這對用戶而言意味著什麼？兩個平台在跨境匯款的底層基礎設施上有所重疊，但在產品定位和功能覆蓋上各有側重。Wise 是以個人及基礎商業匯款見長的平台；Aspire 則在匯款基礎之上，整合了公司卡管理、會計自動化、員工報銷等企業財務工具，定位為一站式商業財務管理平台。",[],{"_key":1912,"_type":795,"children":1913,"markDefs":1922,"style":824},"k506",[1914,1918],{"_key":1915,"_type":799,"marks":1916,"text":1917},"k504",[],"因此，兩者的比較更準確地理解為：",{"_key":1919,"_type":799,"marks":1920,"text":1921},"k505",[994],"在功能範圍和業務深度上的差異，而非單純的成本對比。",[],{"_key":1924,"_type":795,"children":1925,"markDefs":1930,"style":904},"k510",[1926],{"_key":1927,"_type":799,"marks":1928,"text":1929},"k509",[],"香港商業帳戶比較：Wise vs Aspire",[],{"_key":1932,"_type":795,"children":1933,"markDefs":1938,"style":824},"k514",[1934],{"_key":1935,"_type":799,"marks":1936,"text":1937},"k513",[],"對於香港的中小企老闆及初創企業而言，選擇一個合適的商業帳戶是控制營運成本的關鍵決策。以下是 Wise Business 與 Aspire 商業帳戶的功能對比，幫助你根據業務需求做出最適合的選擇。",[],{"_key":1940,"_type":1086,"columnHeaders":1941,"hasColumnTitles":115,"hasRowTitles":128,"rows":1950},"k515",[1942,1945,1947],{"_key":1943,"_type":1090,"cellIndex":1091,"title":1944},"k516","費用項目",{"_key":1946,"_type":1090,"cellIndex":1095,"title":160},"k517",{"_key":1948,"_type":1090,"cellIndex":1099,"title":1949},"k518","Wise",[1951,1985,2019,2054,2088,2124,2160,2196,2232,2268],{"_key":1952,"_type":1104,"cells":1953},"k519",[1954,1965,1975],{"_key":1955,"_type":1108,"content":1956},"k520",[1957],{"_key":1958,"_type":795,"children":1959,"markDefs":1964,"style":824},"k621",[1960],{"_key":1961,"_type":799,"marks":1962,"text":1963},"k620",[],"開戶費",[],{"_key":1966,"_type":1108,"content":1967},"k523",[1968],{"_key":1969,"_type":795,"children":1970,"markDefs":1974,"style":824},"k624",[1971],{"_key":1972,"_type":799,"marks":1973,"text":1270},"k623",[],[],{"_key":1976,"_type":1108,"content":1977},"k526",[1978],{"_key":1979,"_type":795,"children":1980,"markDefs":1984,"style":824},"k627",[1981],{"_key":1982,"_type":799,"marks":1983,"text":1270},"k626",[],[],{"_key":1986,"_type":1104,"cells":1987},"k529",[1988,1998,2009],{"_key":1989,"_type":1108,"content":1990},"k530",[1991],{"_key":1992,"_type":795,"children":1993,"markDefs":1997,"style":824},"k630",[1994],{"_key":1995,"_type":799,"marks":1996,"text":1259},"k629",[],[],{"_key":1999,"_type":1108,"content":2000},"k533",[2001],{"_key":2002,"_type":795,"children":2003,"markDefs":2008,"style":824},"k633",[2004],{"_key":2005,"_type":799,"marks":2006,"text":2007},"k632",[],"HK$0（永久免費）",[],{"_key":2010,"_type":1108,"content":2011},"k536",[2012],{"_key":2013,"_type":795,"children":2014,"markDefs":2018,"style":824},"k636",[2015],{"_key":2016,"_type":799,"marks":2017,"text":1270},"k635",[],[],{"_key":2020,"_type":1104,"cells":2021},"k539",[2022,2033,2044],{"_key":2023,"_type":1108,"content":2024},"k540",[2025],{"_key":2026,"_type":795,"children":2027,"markDefs":2032,"style":824},"k639",[2028],{"_key":2029,"_type":799,"marks":2030,"text":2031},"k638",[],"FPS 本地付款",[],{"_key":2034,"_type":1108,"content":2035},"k543",[2036],{"_key":2037,"_type":795,"children":2038,"markDefs":2043,"style":824},"k642",[2039],{"_key":2040,"_type":799,"marks":2041,"text":2042},"k641",[],"免費",[],{"_key":2045,"_type":1108,"content":2046},"k546",[2047],{"_key":2048,"_type":795,"children":2049,"markDefs":2053,"style":824},"k645",[2050],{"_key":2051,"_type":799,"marks":2052,"text":2042},"k644",[],[],{"_key":2055,"_type":1104,"cells":2056},"k549",[2057,2068,2078],{"_key":2058,"_type":1108,"content":2059},"k550",[2060],{"_key":2061,"_type":795,"children":2062,"markDefs":2067,"style":824},"k648",[2063],{"_key":2064,"_type":799,"marks":2065,"text":2066},"k647",[],"FPS 本地收款",[],{"_key":2069,"_type":1108,"content":2070},"k553",[2071],{"_key":2072,"_type":795,"children":2073,"markDefs":2077,"style":824},"k651",[2074],{"_key":2075,"_type":799,"marks":2076,"text":2042},"k650",[],[],{"_key":2079,"_type":1108,"content":2080},"k556",[2081],{"_key":2082,"_type":795,"children":2083,"markDefs":2087,"style":824},"k654",[2084],{"_key":2085,"_type":799,"marks":2086,"text":2042},"k653",[],[],{"_key":2089,"_type":1104,"cells":2090},"k559",[2091,2102,2113],{"_key":2092,"_type":1108,"content":2093},"k560",[2094],{"_key":2095,"_type":795,"children":2096,"markDefs":2101,"style":824},"k657",[2097],{"_key":2098,"_type":799,"marks":2099,"text":2100},"k656",[],"SWIFT 收款（入賬電匯）",[],{"_key":2103,"_type":1108,"content":2104},"k563",[2105],{"_key":2106,"_type":795,"children":2107,"markDefs":2112,"style":824},"k660",[2108],{"_key":2109,"_type":799,"marks":2110,"text":2111},"k659",[],"USD 8（固定費用）",[],{"_key":2114,"_type":1108,"content":2115},"k566",[2116],{"_key":2117,"_type":795,"children":2118,"markDefs":2123,"style":824},"k663",[2119],{"_key":2120,"_type":799,"marks":2121,"text":2122},"k662",[],"視乎方案",[],{"_key":2125,"_type":1104,"cells":2126},"k569",[2127,2138,2149],{"_key":2128,"_type":1108,"content":2129},"k570",[2130],{"_key":2131,"_type":795,"children":2132,"markDefs":2137,"style":824},"k666",[2133],{"_key":2134,"_type":799,"marks":2135,"text":2136},"k665",[],"公司卡現金回贈",[],{"_key":2139,"_type":1108,"content":2140},"k573",[2141],{"_key":2142,"_type":795,"children":2143,"markDefs":2148,"style":824},"k669",[2144],{"_key":2145,"_type":799,"marks":2146,"text":2147},"k668",[],"1.2% 無上限",[],{"_key":2150,"_type":1108,"content":2151},"k576",[2152],{"_key":2153,"_type":795,"children":2154,"markDefs":2159,"style":824},"k672",[2155],{"_key":2156,"_type":799,"marks":2157,"text":2158},"k671",[],"香港暫不支援公司卡",[],{"_key":2161,"_type":1104,"cells":2162},"k579",[2163,2174,2185],{"_key":2164,"_type":1108,"content":2165},"k580",[2166],{"_key":2167,"_type":795,"children":2168,"markDefs":2173,"style":824},"k675",[2169],{"_key":2170,"_type":799,"marks":2171,"text":2172},"k674",[],"多幣種餘額",[],{"_key":2175,"_type":1108,"content":2176},"k583",[2177],{"_key":2178,"_type":795,"children":2179,"markDefs":2184,"style":824},"k678",[2180],{"_key":2181,"_type":799,"marks":2182,"text":2183},"k677",[],"✅ 支援",[],{"_key":2186,"_type":1108,"content":2187},"k586",[2188],{"_key":2189,"_type":795,"children":2190,"markDefs":2195,"style":824},"k681",[2191],{"_key":2192,"_type":799,"marks":2193,"text":2194},"k680",[],"✅ 支援（商業帳戶）",[],{"_key":2197,"_type":1104,"cells":2198},"k589",[2199,2210,2221],{"_key":2200,"_type":1108,"content":2201},"k590",[2202],{"_key":2203,"_type":795,"children":2204,"markDefs":2209,"style":824},"k684",[2205],{"_key":2206,"_type":799,"marks":2207,"text":2208},"k683",[],"客服語言",[],{"_key":2211,"_type":1108,"content":2212},"k593",[2213],{"_key":2214,"_type":795,"children":2215,"markDefs":2220,"style":824},"k687",[2216],{"_key":2217,"_type":799,"marks":2218,"text":2219},"k686",[],"廣東話、普通話、英語",[],{"_key":2222,"_type":1108,"content":2223},"k596",[2224],{"_key":2225,"_type":795,"children":2226,"markDefs":2231,"style":824},"k690",[2227],{"_key":2228,"_type":799,"marks":2229,"text":2230},"k689",[],"英語",[],{"_key":2233,"_type":1104,"cells":2234},"k599",[2235,2246,2257],{"_key":2236,"_type":1108,"content":2237},"k600",[2238],{"_key":2239,"_type":795,"children":2240,"markDefs":2245,"style":824},"k693",[2241],{"_key":2242,"_type":799,"marks":2243,"text":2244},"k692",[],"商務獎賞計劃",[],{"_key":2247,"_type":1108,"content":2248},"k603",[2249],{"_key":2250,"_type":795,"children":2251,"markDefs":2256,"style":824},"k696",[2252],{"_key":2253,"_type":799,"marks":2254,"text":2255},"k695",[],"逾 USD 500,000 商務獎賞",[],{"_key":2258,"_type":1108,"content":2259},"k606",[2260],{"_key":2261,"_type":795,"children":2262,"markDefs":2267,"style":824},"k699",[2263],{"_key":2264,"_type":799,"marks":2265,"text":2266},"k698",[],"無同等計劃",[],{"_key":2269,"_type":1104,"cells":2270},"k609",[2271,2282,2293],{"_key":2272,"_type":1108,"content":2273},"k610",[2274],{"_key":2275,"_type":795,"children":2276,"markDefs":2281,"style":824},"k702",[2277],{"_key":2278,"_type":799,"marks":2279,"text":2280},"k701",[],"閒置資金增值",[],{"_key":2283,"_type":1108,"content":2284},"k613",[2285],{"_key":2286,"_type":795,"children":2287,"markDefs":2292,"style":824},"k705",[2288],{"_key":2289,"_type":799,"marks":2290,"text":2291},"k704",[],"Aspire Yield",[],{"_key":2294,"_type":1108,"content":2295},"k616",[2296],{"_key":2297,"_type":795,"children":2298,"markDefs":2302,"style":824},"k708",[2299],{"_key":2300,"_type":799,"marks":2301,"text":1127},"k707",[],[],{"_key":2304,"_type":795,"children":2305,"markDefs":2310,"style":983},"k712",[2306],{"_key":2307,"_type":799,"marks":2308,"text":2309},"k711",[],"兩者的核心分別在哪裡？",[],{"_key":2312,"_type":795,"children":2313,"markDefs":2326,"style":824},"k720",[2314,2318,2322],{"_key":2315,"_type":799,"marks":2316,"text":2317},"k717",[],"Wise 和 Aspire 在基礎匯款功能上有相似之處: 兩者均支援多幣種、無月費、支援 FPS 收付款。主要分別在於",{"_key":2319,"_type":799,"marks":2320,"text":2321},"k718",[994],"業務深度",{"_key":2323,"_type":799,"marks":2324,"text":2325},"k719",[],"：",[],{"_key":2328,"_type":795,"children":2329,"markDefs":2342,"style":824},"k728",[2330,2334,2338],{"_key":2331,"_type":799,"marks":2332,"text":2333},"k725",[],"Wise 的定位是",{"_key":2335,"_type":799,"marks":2336,"text":2337},"k726",[994],"匯款優先",{"_key":2339,"_type":799,"marks":2340,"text":2341},"k727",[],"的平台。它在個人跨境匯款場景下表現出色，商業帳戶亦可處理基本的多幣種收付需求。如果你的企業要需求是偶爾的海外匯款，Wise 是一個可靠的選擇。",[],{"_key":2344,"_type":795,"children":2345,"markDefs":2358,"style":824},"k736",[2346,2350,2354],{"_key":2347,"_type":799,"marks":2348,"text":2349},"k733",[],"Aspire 的定位是",{"_key":2351,"_type":799,"marks":2352,"text":2353},"k734",[994],"一站式商業財務管理平台",{"_key":2355,"_type":799,"marks":2356,"text":2357},"k735",[],"，在匯款之外提供了企業日常運營所需的完整工具鏈。對於以下業務場景，Aspire 的優勢更為突出：",[],{"_key":2360,"_type":795,"children":2361,"level":1095,"listItem":1423,"markDefs":2379,"style":824},"k747",[2362,2366,2370,2375],{"_key":2363,"_type":799,"marks":2364,"text":2365},"k743",[994],"需要公司卡管理員工支出",{"_key":2367,"_type":799,"marks":2368,"text":2369},"k744",[],"：Aspire 提供可即時批出的 ",{"_key":2371,"_type":799,"marks":2372,"text":2374},"k745",[2373],"k739","Visa 公司卡",{"_key":2376,"_type":799,"marks":2377,"text":2378},"k746",[],"，並支援 1.2% 無上限現金回贈，適用於市場推廣費、SaaS 訂閱等日常商業開支",[2380],{"_key":2373,"_type":820,"externalUrl":2381,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fcorporate-card",{"_key":2383,"_type":795,"children":2384,"level":1095,"listItem":1423,"markDefs":2411,"style":824},"k763",[2385,2389,2393,2398,2402,2407],{"_key":2386,"_type":799,"marks":2387,"text":2388},"k757",[994],"需要自動對帳",{"_key":2390,"_type":799,"marks":2391,"text":2392},"k758",[],"：所有交易數據自動同步 ",{"_key":2394,"_type":799,"marks":2395,"text":2397},"k759",[2396],"k750","Xero",{"_key":2399,"_type":799,"marks":2400,"text":2401},"k760",[],"、",{"_key":2403,"_type":799,"marks":2404,"text":2406},"k761",[2405],"k753","QuickBooks",{"_key":2408,"_type":799,"marks":2409,"text":2410},"k762",[]," 及 NetSuite，免去人工核對",[2412,2414],{"_key":2396,"_type":820,"externalUrl":2413,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fxero-tutorial",{"_key":2405,"_type":820,"externalUrl":2415,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fquickbook-online-tutorial",{"_key":2417,"_type":795,"children":2418,"level":1095,"listItem":1423,"markDefs":2427,"style":824},"k769",[2419,2423],{"_key":2420,"_type":799,"marks":2421,"text":2422},"k767",[994],"需要更低的 SWIFT 收款成本",{"_key":2424,"_type":799,"marks":2425,"text":2426},"k768",[],"：接收國際電匯時 Aspire 固定收取 USD 8 ，收費結構可穩定，無需擔心大額收款被按比例扣費",[],{"_key":2429,"_type":795,"children":2430,"level":1095,"listItem":1423,"markDefs":2439,"style":824},"k775",[2431,2435],{"_key":2432,"_type":799,"marks":2433,"text":2434},"k773",[994],"需要廣東話客服支援",{"_key":2436,"_type":799,"marks":2437,"text":2438},"k774",[],"：Aspire 提供廣東話、普通話及英語即時客服",[],{"_key":2441,"_type":795,"children":2442,"level":1095,"listItem":1423,"markDefs":2451,"style":824},"k781",[2443,2447],{"_key":2444,"_type":799,"marks":2445,"text":2446},"k779",[994],"有閒置資金希望增值",{"_key":2448,"_type":799,"marks":2449,"text":2450},"k780",[],"：Aspire Yield 讓閒置商業資金也能產生回報",[],{"_key":2453,"_type":795,"children":2454,"markDefs":2459,"style":904},"k785",[2455],{"_key":2456,"_type":799,"marks":2457,"text":2458},"k784",[],"Aspire 超越傳統戶口：一站式整合匯款、公司卡與會計自動化系統",[],{"_key":2461,"_type":795,"children":2462,"markDefs":2484,"style":824},"k799",[2463,2467,2472,2475,2480],{"_key":2464,"_type":799,"marks":2465,"text":2466},"k794",[],"告別傳統銀行的繁瑣！ Aspire 為香港企業提供一站式解決方案，將",{"_key":2468,"_type":799,"marks":2469,"text":2471},"k795",[2470],"k787","環球匯款",{"_key":2473,"_type":799,"marks":2474,"text":2401},"k796",[],{"_key":2476,"_type":799,"marks":2477,"text":2479},"k797",[2478],"k790","支出管理",{"_key":2481,"_type":799,"marks":2482,"text":2483},"k798",[],"與會計自動化完美整合於單一平台。只需一個帳戶，即可全面掌控企業財務：",[2485,2487],{"_key":2470,"_type":820,"externalUrl":2486,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fbusiness-account",{"_key":2478,"_type":820,"externalUrl":2488,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fexpense-management",{"_key":2490,"_type":795,"children":2491,"level":1095,"listItem":1423,"markDefs":2516,"style":824},"k813",[2492,2496,2500,2504,2508,2512],{"_key":2493,"_type":799,"marks":2494,"text":2495},"k807",[994],"一站式環球收付",{"_key":2497,"_type":799,"marks":2498,"text":2499},"k808",[],"：全數碼開戶最快即日獲批。",{"_key":2501,"_type":799,"marks":2502,"text":2503},"k809",[994],"支援 130+ 國家及 40 多種貨幣，換匯點差低至 0.18%（成本比銀行低最多 3 倍）",{"_key":2505,"_type":799,"marks":2506,"text":2507},"k810",[],"。除了內建 FPS（免費）及 CHATS 確保本地收付與員工出糧（Payroll）準時到賬外，",{"_key":2509,"_type":799,"marks":2510,"text":2511},"k811",[994],"Aspire 更具備強大的本地轉賬網絡",{"_key":2513,"_type":799,"marks":2514,"text":2515},"k812",[],"——讓您能像本地人一樣在海外直接收款與匯款。相比傳統 SWIFT 電匯，本地轉賬不僅能免除層層中介行手續費，更大幅縮短到賬時間，助您從源頭節省匯款開支。",[],{"_key":2518,"_type":795,"children":2519,"level":1095,"listItem":1423,"markDefs":2568,"style":824},"k843",[2520,2524,2527,2531,2536,2540,2545,2549,2553,2557,2560,2564],{"_key":2521,"_type":799,"marks":2522,"text":2523},"k831",[994],"一站式支出控管",{"_key":2525,"_type":799,"marks":2526,"text":2325},"k832",[],{"_key":2528,"_type":799,"marks":2529,"text":2530},"k833",[994],"從創建",{"_key":2532,"_type":799,"marks":2533,"text":2535},"k834",[2534,994],"k817","發票 (Invoicing)",{"_key":2537,"_type":799,"marks":2538,"text":2539},"k835",[994]," 到支付",{"_key":2541,"_type":799,"marks":2542,"text":2544},"k836",[2543,994],"k820","賬單 (Bills)",{"_key":2546,"_type":799,"marks":2547,"text":2548},"k837",[994],"，流程全面自動化。您可以即時批出可調控的 Visa 公司卡",{"_key":2550,"_type":799,"marks":2551,"text":2552},"k838",[],"，配合拍照即報銷功能，讓員工開支自動分類。所有交易數據無縫對接 ",{"_key":2554,"_type":799,"marks":2555,"text":2397},"k839",[2556],"k824",{"_key":2558,"_type":799,"marks":2559,"text":2401},"k840",[],{"_key":2561,"_type":799,"marks":2562,"text":2406},"k841",[2563],"k827",{"_key":2565,"_type":799,"marks":2566,"text":2567},"k842",[]," 及 NetSuite，由發薪到對賬，一個平台徹底解決所有行政痛點。",[2569,2571,2573,2574],{"_key":2534,"_type":820,"externalUrl":2570,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Finvoice-management",{"_key":2543,"_type":820,"externalUrl":2572,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fbill-pay",{"_key":2556,"_type":820,"externalUrl":2413,"linkType":335},{"_key":2563,"_type":820,"externalUrl":2415,"linkType":335},{"_key":2576,"_type":795,"children":2577,"level":1095,"listItem":1423,"markDefs":2612,"style":824},"k863",[2578,2582,2586,2590,2595,2599,2603,2608],{"_key":2579,"_type":799,"marks":2580,"text":2581},"k855",[994],"一站式營運回贈：",{"_key":2583,"_type":799,"marks":2584,"text":2585},"k856",[]," 將支出轉化為回報！",{"_key":2587,"_type":799,"marks":2588,"text":2589},"k857",[994],"憑卡消費即享",{"_key":2591,"_type":799,"marks":2592,"text":2594},"k858",[2593,994],"k847"," 1.2% 無上限現金回贈",{"_key":2596,"_type":799,"marks":2597,"text":2598},"k859",[994],"，涵蓋大部分營運及商業開支。",{"_key":2600,"_type":799,"marks":2601,"text":2602},"k860",[],"隨戶口更附送總值",{"_key":2604,"_type":799,"marks":2605,"text":2607},"k861",[2606],"k851","逾 50 萬美元的商務獎賞",{"_key":2609,"_type":799,"marks":2610,"text":2611},"k862",[],"，涵蓋 Google Workspace、Slack 等工具，從源頭回贈您的營運成本。",[2613,2615],{"_key":2593,"_type":820,"externalUrl":2614,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fcashback",{"_key":2606,"_type":820,"externalUrl":2616,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Frewards",{"_key":2618,"_type":795,"children":2619,"markDefs":2624,"style":824},"k867",[2620],{"_key":2621,"_type":799,"marks":2622,"text":2623},"k866",[994],"立即免費開立賬戶，體驗比傳統銀行更靈活、更智能的企業理財方案，加速你的業務成長！",[],{"_key":2626,"_type":795,"children":2627,"markDefs":2631,"style":904},"k871",[2628],{"_key":2629,"_type":799,"marks":2630,"text":334},"k870",[],[],{"_key":2633,"_type":795,"children":2634,"markDefs":2639,"style":983},"k875",[2635],{"_key":2636,"_type":799,"marks":2637,"text":2638},"k874",[],"Wise 香港個人帳戶可以像銀行一樣存款嗎？",[],{"_key":2641,"_type":795,"children":2642,"markDefs":2647,"style":824},"k879",[2643],{"_key":2644,"_type":799,"marks":2645,"text":2646},"k878",[],"不可以。根據香港金融管理局（HKMA）的監管要求，使用香港地址註冊的 Wise 個人帳戶無法像銀行一樣持有資金餘額。該帳戶只作為匯款通道，資金接收後須完成匯款或兌換操作，不能長期存放。",[],{"_key":2649,"_type":795,"children":2650,"markDefs":2655,"style":983},"k883",[2651],{"_key":2652,"_type":799,"marks":2653,"text":2654},"k882",[],"在香港可以用 Wise 公司卡嗎？",[],{"_key":2657,"_type":795,"children":2658,"markDefs":2663,"style":824},"k887",[2659],{"_key":2660,"_type":799,"marks":2661,"text":2662},"k886",[],"目前不可以。Wise 企業卡功能目前限於特定地區發行，香港用戶暫時無法申請。如果你的業務需要公司卡管理員工支出，並希望從日常商業開支中賺取現金回贈，可以考慮 Aspire Visa 公司卡——提供高達 1.2% 無上限現金回贈，並可即時批出，無需等候。",[],{"_key":2665,"_type":795,"children":2666,"markDefs":2671,"style":983},"k891",[2667],{"_key":2668,"_type":799,"marks":2669,"text":2670},"k890",[],"Wise 商業帳戶還是 Aspire 商業帳戶更適合我？",[],{"_key":2673,"_type":795,"children":2674,"markDefs":2679,"style":824},"k895",[2675],{"_key":2676,"_type":799,"marks":2677,"text":2678},"k894",[],"這取決於你的業務需求。如果你的公司只偶爾需要進行單筆的海外匯款，Wise 商業帳戶已能滿足基本需求，費用結構亦相當透明。但如果你的企業需要以下功能——公司卡管理員工支出、自動同步 Xero 或 QuickBooks 會計軟件、1.2% 現金回贈、廣東話客服支援，或者希望讓閒置資金透過 Aspire Yield 產生回報——Aspire 商業帳戶的整體功能性價比將更適合日常財務管理較複雜的企業。",[],{"_key":2681,"_type":795,"children":2682,"markDefs":2687,"style":983},"k899",[2683],{"_key":2684,"_type":799,"marks":2685,"text":2686},"k898",[],"Wise 在香港是否受監管？是否安全？",[],{"_key":2689,"_type":795,"children":2690,"markDefs":2695,"style":824},"k903",[2691],{"_key":2692,"_type":799,"marks":2693,"text":2694},"k902",[],"是的。Wise 在香港持有海關發出的金錢服務經營者（MSO）牌照（牌照號碼：25-03-03263），屬合法持牌平台。Wise 亦是在倫敦證券交易所上市的公司，受英國金融行為監管局（FCA）等多個司法管轄區監管。用戶資金受到客戶資金隔離保護措施保障。選擇任何匯款平台前，建議透過相關監管機構的公開查冊系統核實其牌照狀態。",[],{"_key":2697,"_type":795,"children":2698,"markDefs":2703,"style":983},"k907",[2699],{"_key":2700,"_type":799,"marks":2701,"text":2702},"k906",[],"Wise 和傳統銀行電匯有什麼分別？",[],{"_key":2705,"_type":795,"children":2706,"markDefs":2720,"style":824},"k916",[2707,2711,2716],{"_key":2708,"_type":799,"marks":2709,"text":2710},"k913",[],"兩者各有適用場景。Wise 透過本地銀行網絡處理匯款，在支援的路線上通常比 SWIFT 電匯更快、費用更低，且匯率更接近市場中間匯率。傳統 SWIFT 電匯的優勢在於覆蓋範圍更廣（幾乎適用於所有銀行和國家），且對於已有完整銀行服務的大型企業而言，整合現有銀行帳戶可能更方便。了解更多：",{"_key":2712,"_type":799,"marks":2713,"text":2715},"k914",[2714],"k909","SWIFT vs 本地銀行轉賬",{"_key":2717,"_type":799,"marks":2718,"text":2719},"k915",[],"的詳細比較。",[2721],{"_key":2714,"_type":820,"externalUrl":2722,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fswift-vs-local-bank-transfers",{"slug":2724,"title":2725},"finance-tools","Finance Tools",{"_type":130,"alternativeText":2727,"height":131,"url":2728,"width":133},"Wise 匯款教學：開戶流程、手續費、限額與功能評測","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fb20e2b4110af32c620afb70e1ac5ad75\u002Fshared-hk-b20e2b41_cover_shared-cover-business.jpeg",[2730,2737,2745,2752,2760,2766],{"_key":900,"_type":795,"children":2731,"level":1095,"listItem":1423,"markDefs":2736,"style":824},[2732],{"_key":2733,"_type":799,"marks":2734,"text":2735},"k1",[],"Wise（前稱 TransferWise）是英國金融科技公司，採用本地銀行網絡處理匯款，以市場中間匯率兌換，費用比傳統銀行電匯透明且通常更低",[],{"_key":2738,"_type":795,"children":2739,"level":1095,"listItem":1423,"markDefs":2744,"style":824},"k5",[2740],{"_key":2741,"_type":799,"marks":2742,"text":2743},"k4",[],"個人帳戶無法持有餘額（只作匯款通道），且目前不支援 Wise 扣帳卡；商業帳戶則可持有 40+ 種貨幣餘額",[],{"_key":2746,"_type":795,"children":2747,"level":1095,"listItem":1423,"markDefs":2751,"style":824},"k8",[2748],{"_key":906,"_type":799,"marks":2749,"text":2750},[],"如何匯款：在 App 選擇幣種及金額 → 填寫收款人銀行資料（如 IBAN、Sort Code 或 FPS ID）→ 確認匯率及費用後提交，全程在手機上完成",[],{"_key":2753,"_type":795,"children":2754,"level":1095,"listItem":1423,"markDefs":2759,"style":824},"k11",[2755],{"_key":2756,"_type":799,"marks":2757,"text":2758},"k10",[],"FPS 入金：可用 FPS 轉數快向 Wise（FPS ID：hkd@wise.com）入金；首次 HKD 轉賬必須以銀行轉賬方式付款",[],{"_key":921,"_type":795,"children":2761,"level":1095,"listItem":1423,"markDefs":2765,"style":824},[2762],{"_key":917,"_type":799,"marks":2763,"text":2764},[],"多數主要貨幣路線可在數秒至 1 個工作天內到賬；首次轉賬或大額匯款可能需額外審核時間",[],{"_key":2767,"_type":795,"children":2768,"level":1095,"listItem":1423,"markDefs":2772,"style":824},"k17",[2769],{"_key":914,"_type":799,"marks":2770,"text":2771},[],"Wise 持有香港海關發出的金錢服務經營者（MSO）牌照（牌照號碼：25-03-03263），屬合法持牌平台",[],[2774,2780],{"_key":900,"_type":795,"children":2775,"markDefs":2779,"style":824},[2776],{"_key":2733,"_type":799,"marks":2777,"text":2778},[],"不論是留學生交學費、Freelancer 收外幣，還是中小企向海外供應商付款，Wise 憑藉接近市場中間價的匯率，已是日常換匯的首選。然而，Wise 在香港其實有若干隱形限制，不少人往往在開戶後才發現。",[],{"_key":2738,"_type":795,"children":2781,"markDefs":2785,"style":824},[2782],{"_key":2741,"_type":799,"marks":2783,"text":2784},[],"本文為你拆解香港 Wise 的個人與商業功能、轉賬步驟及到賬時間，並同步與 Aspire 商業帳戶進行橫向評測，助你無論在個人理財或公司營運上，做出最精明的資金管理決策。",[],"2026-07-01T00:00:00.000Z",{"_type":125,"metaDescription":2788,"metaTitle":2727,"socialShareImageUrl":2789},"本文全方位評測 Wise（前稱 TransferWise）的匯款服務，一文看清最新開戶流程、手續費、匯款限額及到賬時間。深入分析市場中間價的實際優勢與換匯細節，助你無論在個人海外消費、網購，或商業跨境轉賬時，輕鬆慳到最盡！",{"_type":130,"alternativeText":2727,"height":131,"url":2728,"width":133},"wise-transfer-guide",[2792,2799,2805,2811],{"_key":900,"_type":795,"children":2793,"level":1095,"listItem":2797,"markDefs":2798,"style":824},[2794],{"_key":2733,"_type":799,"marks":2795,"text":2796},[],"Wise 官方網站 — 香港個人帳戶功能說明：https:\u002F\u002Fwise.com\u002Fhk\u002F","number",[],{"_key":2738,"_type":795,"children":2800,"level":1095,"listItem":2797,"markDefs":2804,"style":824},[2801],{"_key":2741,"_type":799,"marks":2802,"text":2803},[],"Wise 官方網站 — 商業帳戶功能：https:\u002F\u002Fwise.com\u002Fhk\u002Fbusiness\u002F",[],{"_key":2746,"_type":795,"children":2806,"level":1095,"listItem":2797,"markDefs":2810,"style":824},[2807],{"_key":906,"_type":799,"marks":2808,"text":2809},[],"香港海關 — 金錢服務經營者牌照查冊：https:\u002F\u002Fwww.cedd.gov.hk\u002Ftc\u002Flicensing-and-enforcement\u002Fmsos\u002Flist-of-licensees\u002Findex.html",[],{"_key":2753,"_type":795,"children":2812,"level":1095,"listItem":2797,"markDefs":2816,"style":824},[2813],{"_key":2756,"_type":799,"marks":2814,"text":2815},[],"香港銀行同業結算有限公司 — FPS 轉數快說明：https:\u002F\u002Ffps.hkicl.com.hk\u002F",[],1791455346963]