匯豐銀行以客戶保護為由限制向加密貨幣交易所付款

立即生效，匯豐銀行將在必要時限制向加密貨幣交易所的所有付款。具體來說，從 2024 年 7 月 24 日起，匯豐銀行將以客戶保​​護為由，阻止他們合理認為用於加密貨幣交易的銀行帳戶和信用卡的付款。

HSBC has announced that it will restrict payments to cryptocurrency exchanges with immediate effect.

匯豐銀行宣布將立即限制向加密貨幣交易所付款。

The bank will block payments from bank accounts and credit cards that it reasonably believes are intended for cryptocurrency exchanges, the bank said in an email to customers on Monday. The changes are being made to protect customers from scams, HSBC said.

該銀行在周一發給客戶的電子郵件中表示，該銀行將阻止其合理認為用於加密貨幣交易的銀行帳戶和信用卡付款。匯豐銀行表示，做出這些改變是為了保護客戶免受詐騙。

"Those wishing to transfer money to cryptocurrency exchanges will have to find an alternative method," the bank added.

該銀行補充說：“那些希望將資金轉移到加密貨幣交易所的人將必須找到替代方法。”

CBA, NAB, Westpac, and ANZ have also imposed some limitations on their customers' cryptocurrency activities.

CBA、NAB、Westpac 和 ANZ 也對其客戶的加密貨幣活動施加了一些限制。

HSBC will now automatically decline all transactions to cryptocurrency exchanges, a spokesperson for the bank told The Australian Financial Review.

匯豐銀行發言人告訴《澳洲金融評論報》，匯豐銀行現在將自動拒絕所有與加密貨幣交易所的交易。

The bank did not immediately respond to an inquiry from Crypto News Australia for additional information.

該銀行沒有立即回應澳洲加密新聞社詢問更多資訊的詢問。

HSBC's changes come amid a rise in scams, according to data from the Australian Competition and Consumer Commission (ACCC).

根據澳洲競爭與消費者委員會 (ACCC) 的數據，匯豐銀行的這項變更是在詐騙事件增加之際做出的。

Investment scams, particularly those involving cryptocurrency, accounted for the highest scam losses in Australia, at $171 million, according to the ACCC. However, a separate April 2024 report from the ACCC noted that Australians lost $2.7 billion to scams overall, with the $171 million linked to cryptocurrency being a smaller portion of the total losses, which decreased by 13% from the previous ACCC report.

據 ACCC 稱，投資詐騙，尤其是涉及加密貨幣的投資詐騙，在澳洲造成的詐騙損失最高，達 1.71 億美元。然而，ACCC 2024 年4 月的另一份報告指出，澳洲人因詐騙總共損失了27 億美元，其中與加密貨幣相關的1.71 億美元僅佔總損失的一小部分，比ACCC 先前的報告下降了13%。

A University of Queensland report highlighted the importance of education in preventing crypto scams, suggesting that education rather than outright bans might be a more effective approach.

昆士蘭大學的一份報告強調了教育在防止加密貨幣詐騙方面的重要性，表明教育而不是徹底禁止可能是更有效的方法。

The timing of HSBC's restrictions is also unusual, given the increasing global adoption of cryptocurrency and institutions investing more in crypto-related funds.

鑑於全球範圍內越來越多地採用加密貨幣以及機構加大對加密相關基金的投資，匯豐銀行實施限制的時機也很不尋常。

As options for Australians to transfer money to crypto exchanges become more limited, ING and St.George Bank remain among the few crypto-friendly alternatives for now.

隨著澳洲人將資金轉移到加密貨幣交易所的選擇變得更加有限，ING 和聖喬治銀行目前仍然是少數對加密貨幣友好的替代方案之一。