Hong Kong Banks Check Inactive Accounts, Source of Funds Key

The scrutiny lands on dormant accounts, which suggests compliance teams are treating inactivity itself as a risk signal rather than a routine cleanup. For mainland residents holding Hong Kong accounts, the practical friction is documentation: proving source of funds years after the fact is far harder than at account opening. The open question is whether this remains an episodic review or becomes a standing expectation across the sector, since that determines whether dormant cross-border accounts stay a viable parking option.