汇丰银行以客户保护为由限制向加密货币交易所付款

立即生效，汇丰银行将在必要时限制向加密货币交易所的所有付款。具体来说，从 2024 年 7 月 24 日起，汇丰银行将以客户保护为由，阻止他们合理认为用于加密货币交易的银行账户和信用卡的付款。

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

汇丰银行宣布将立即限制向加密货币交易所付款。

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.

该银行在周一发给客户的电子邮件中表示，该银行将阻止其合理认为用于加密货币交易的银行账户和信用卡付款。汇丰银行表示，做出这些改变是为了保护客户免受诈骗。

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

该银行补充说：“那些希望将资金转移到加密货币交易所的人将必须找到替代方法。”

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

CBA、NAB、Westpac 和 ANZ 也对其客户的加密货币活动施加了一些限制。

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

汇丰银行发言人告诉《澳大利亚金融评论报》，汇丰银行现在将自动拒绝所有与加密货币交易所的交易。

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

该银行没有立即回应澳大利亚加密新闻社询问更多信息的询问。

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

根据澳大利亚竞争和消费者委员会 (ACCC) 的数据，汇丰银行的这一变化是在诈骗事件增多之际做出的。

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.

据 ACCC 称，投资诈骗，尤其是涉及加密货币的投资诈骗，在澳大利亚造成的诈骗损失最高，达 1.71 亿美元。然而，ACCC 2024 年 4 月的另一份报告指出，澳大利亚人因诈骗总共损失了 27 亿美元，其中与加密货币相关的 1.71 亿美元仅占总损失的一小部分，比 ACCC 之前的报告下降了 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.

昆士兰大学的一份报告强调了教育在防止加密货币诈骗方面的重要性，表明教育而不是彻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.

鉴于全球范围内越来越多地采用加密货币以及机构加大对加密相关基金的投资，汇丰银行实施限制的时机也很不寻常。

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.

随着澳大利亚人将资金转移到加密货币交易所的选择变得更加有限，ING 和圣乔治银行目前仍然是少数对加密货币友好的替代方案之一。