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In my personal experience using HSBC’s investment and trading platforms, processing times for withdrawing funds to a bank account are generally efficient, especially within Hong Kong. HSBC supports the Faster Payment System (FPS), which enables quick local transfers, often close to real-time during standard banking hours. When I initiate a withdrawal to a local bank account using FPS, funds usually appear almost instantly or within a few minutes, barring any unusual circumstances or outside of service windows. For USD and EUR transfers locally, HSBC uses Real Time Gross Settlement (RTGS), which has also provided prompt settlements for me—typically within the same business day, as long as requests are made before the bank’s daily cut-off. However, during public holidays or peak periods, I have noticed that settlement can sometimes be delayed to the next business day. When it comes to e-wallets, my experience is largely tied to HSBC’s own integrated apps, such as PayMe and the HSBC HK Mobile app. Transfers within this ecosystem tend to be immediate, but moving funds out to third-party e-wallets isn’t standard for all account types and can involve additional verification or delay, depending on compliance checks. In summary, withdrawals to a local bank account using HSBC in Hong Kong are typically fast, while e-wallet processing may depend on the specific service and transfer route. I always recommend double-checking with HSBC’s official channels for the precise cut-off times or additional requirements to avoid any surprises.