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CommSec settlement time of day

Settlement - how to pay or receive funds for a - CommSe

When you buy or sell shares, a process called T+2 settlement takes place where ownership of the shares is exchanged for money between the buyer and seller. This occurs on the second business day after the trade takes place. If you're buying shares. We'll automatically debit your linked bank account 2 business days after your trade. Make sure you've got sufficient funds by 8AM that day. If we can't debit the required funds on T+2, you may be charged So for example, if you buy shares on a Monday, settlement will happen on Wednesday. If you sell shares on a Friday, settlement will happen on the following Tuesday (because Saturday and Sunday don't count as business days). When you make a purchase via CommSec, the securities you've bought will be added to your portfolio on the trade date If you have opted for option 1, please contact us via email (shares@commsec.com.au) when funds are available in your linked settlement account. Just a reminder that Settlement Date occurs two business days after execution of a trade (known as T+2) by which cleared funds need to be available by 8am in the nominated settlement account CommSec will transfer the net amount to or from your nominated bank account when you either buy and then sell shares, or sell then buy shares on the same day or the next trading day. Please see below examples of when an offset applies: Where an offset applies: Day. Buy First. Sell First Reactions. 0. Re: Trading with Commsec. b.j. said: thanks for the reply. my late settlements will probably be outstanding for a maximum of 2 days. (if the banking works efficiently) im new to commsec and jumped in without carefully studying the rules.. which consequently leads to late settlement

What's two day settlement or T+2? - CommSe

  1. Closes at 17:15 ET. 16:02, 16:32, 17:00, 17:30, 18:00, 18:30, 19:00 ET. If you have any questions regarding settlements, please call the CME Globex Control Center at +1 800 438 8616, Europe at +44 800 898 013 or in Asia: +65 6532 5010. * Time range in which the relevant data is utilized to derive the daily settlement on normal trading days
  2. For most stock trades, settlement occurs two business days after the day the order executes. Another way to remember this is through the abbreviation T+2, or trade date plus two days. For example, if you were to execute an order on Monday, it would typically settle on Wednesday. For some products, such as mutual funds, settlement occurs on a different timeline
  3. The settlement date for stocks and bonds is usually two business days after the execution date (T+2). For government securities and options, it's the next business day (T+1). In spot foreign.
  4. Securities Settlement. Stock and money positions of all Exchange Trades and Clearing Agency Transactions are required to be settled on T+2 day whereas stock positions of China Connect Securities Trades are settled on T day. SI transactions are settled on the settlement day stipulated by both Participants. Securities settlement is effected either by scheduled daily batch settlement runs or immediate on-line transfer by the input of Delivery Instructions (DIs). Provided that there are.
  5. Settlement. Settlement. YES. 1 A Trading Day means ASX Trade is open for trading. 2 In terms of the operating rules of the ASX markets and clearing and settlement facilities. 3 Normal trading ceases at 14:10 (Sydney time) 4 Substitute for Saturday 25 December. 5 Substitute for Sunday 26 December. 6 Normal trading ceases at 14:10 (Sydney time
  6. What happens on settlement day? Taking place at an agreed time and place, settlement day is the day you assume legal ownership of your home. The settlement day process involves your settlement agent (solicitor or conveyancer) meeting with your lender and the seller's representatives to sign and exchange the final documents of the sale. They will also organise for the balance of the purchase price to be paid to the seller
  7. During settlement periods, a hold gets enforced on ACH Debits. (ACH Credit funds do not require the same level of verification and are made available to the Receiver on the same or next business day.) Often, businesses want faster access to their ACH Debit funds. Many of our clients ask us how they can shorten their ACH settlement times. To.

International Money Transfers (IMT) It usually takes 3 business days to process an IMT, but may take longer depending on the recipient's country and bank. Transfers made on a weekend, a public/bank holiday or after the currency cut-off time will be processed the following business day. Visit your nearest branch. Contact us The first day of a two-day settlement period (T+2) starts on the business day following the day that a security was purchased or sold. For example, if a stock is purchased on Friday at any time before the close of trade on that day, Saturday, Sunday and public holidays are not considered business days, so the two-day clock starts running on the next business day. A payment or check must arrive. The settlement period is the time between the trade date and the settlement date. The SEC created rules to govern the trading process, which includes outlines for the settlement date. In March. Stock trades are settled in 2 business days (T+2), while government bonds and options are settled the next business day (T+1). The T+3 settlement time prevalent before 2018 was shortened by the SEC in 2017 to T+2 (Source: SEC.gov | SEC Adopts T+2 Settlement Cycle for Securities Transactions) Cash settlement price: The cash settlement price of the underlying futures contract. Trading hours: 5.10pm - 7.00am and 9.50am - 4.30pm2 (during US daylight saving time)3 5.10pm - 8.00am and 9.50am - 4.30pm2 (during US non daylight saving time)3: Settlement day: Options may be exercised on any business day up to and including the Last Trading Day

automatically settles equity trades two business days after they take place (T+2) simultaneously transfers funds from buyer to seller and ownership from seller to buyer (a process called delivery versus payment (DvP)), an Equity Index Daily & Final Settlement. When trading Equity Index futures, there are two types of settlement: daily and final. Daily settlement refers to the contract's settlement price on a daily basis while final settlement represents the final value of the contract at expiration. Futures markets are marked to market every day, a benefit. CME Group staff determines the daily settlements for Bitcoin (BTC) futures based on trading activity on CME Globex between 14:59:00 and 15:00:00 Central Time (CT), the settlement period. Tier 1: Each contract month settles to its volume-weighted average price (VWAP) of all trades that occur between 14:59:00 and 15:00:00 CT, the settlement period, rounded to the nearest tradable tick Trading Hour, Trading and Settlement Calendar. Trading Calendar and Trading Hours. Trading Hours. Trading calendar of Stock Connect (2021) ( pdf / csv) Trading calendar of Stock Connect (2020) ( pdf / csv) Trading arrangement during Severe Weather Conditions

These sites are not affiliated with CommSec and may offer a different privacy policy and level of security. This site is directed and available to and for the benefit of Australian residents only. © Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned Reserve accounts at the settlement time and date provided in the FedACH processing schedule. TCH uses NSS to settle its in-network ACH transactions in participants' Federal Reserve accounts, typically sending NSS files at the same times the Reserve Banks settle FedACH transactions. 3. Nacha's membership consists of insured financial institutions and regional payment associations. 4 See. CommSec | Login Please wai A fail is when a buyer fails to deliver funds or a seller fails to deliver an asset by the settlement date. Depending on the market, settlement is supposed to occur within T+1 to T+3 days. The.

What happens if my share payment is overdue? - CommSe

If I buy then sell shares or sell then buy - CommSe

  1. ary) settlements are the daily settlements that have been derived using the standard methodologies for the specified product. They are denoted as (Preli
  2. On these closing days, TARGET as a whole, including all the national real-time gross settlement (RTGS) systems will be closed. The establishment of a common long-term calendar is deemed necessary because the frequent calendar changes and the existence of annual calendars, which were seen for the three years 1999, 2000 and 2001, introduce uncertainties for financial markets
  3. Settlement is the actual exchange of money and securities between the parties of a trade on the settlement date after agreeing earlier on the trade. Most settlement of securities trading nowadays is done electronically. Stock trades are settled in 2 business days T+2), while government bonds and options are settled the next business day (T+1). The T+3 settlement time prevalent before 2018 was.
  4. Each of the futures contracts is active (can be traded) for an amount of time. The contract then expires and cannot be traded anymore. The date upon which a futures contract expires is known as its expiry date. Expiry Dates for Stocks, Indexes . The expiry dates for U.S. stock and stock index futures contracts fall on the third Friday of every third month. This table shows these dates through.
  5. It's Time for Real-Time Settlement. Robinhood Team. February 2, 2021. By Vlad Tenev, CEO and Co-Founder, Robinhood. It's time for T+2 to go. Last week we saw the impact the two-day trade settlement period has on investors and ultimately the entire American financial system. Clearinghouse deposit requirements skyrocketed overnight
  6. Includes: sender's reference, function of the message, date and time of the instruction A1 Linkages (Optional) References a related instruction, or provides a collective reference identifying a set of instructions B: Trade Details (Mandatory) Includes: place of trade, settlement and trade date, ISIN, price and currency of the dea

Late settlement with Commsec Aussie Stock Forum

The 5 years is counted from the day you first arrived in the UK. You do not need to have held pre-settled status for 5 years to apply. You must apply for settled status before your pre-settled. The time of day by which all exercise notices must be received on the expiration date. Technically, the expiration time is currently 11:59 a.m. [Eastern Time] on the expiration date, but public.

Daily Settlement Times Details - CME Grou

Customer group. Processing time. Customers applying for a visa from outside the UK. 90% of non-settlement applications within 3 weeks, 98% within 6 weeks and 100% within 12 weeks of the. Settlement Date . The settlement date for a mutual fund trade is the date on which the transaction is considered to be finalized and closed. Money that a customer owes must be available in their. The three-day settlement rule. The Securities and Exchange Commission (SEC) requires trades to be settled within a three-business day time period, also known as T+3. When you buy stocks, the.

While NSCC and DTC can support T+1 and even same-day (T+0) settlement today using existing technology, the current T+2 settlement cycle is a convention of market practice, and shortening that period as regular-way for all market participants will require industry coordination. As the industry continues to align itself around shortening the settlement cycle, DTCC has proactively begun laying. Settlement Date Risks . The elapsed time between the transaction and settlement dates exposes transacting parties to credit risk. Credit risk is especially significant in forward foreign exchange. Settlement Period—The Details . The specific length of the settlement period has changed over time. For many years, the trade settlement period was five days Availability of proceeds in a 'Cash' type account. Accounts which have been set up as a 'Cash' type do not have access to the proceeds from the sale of securities until such time the transaction has settled at the clearinghouse and proceeds have been issued to IBKR. Securities settlement generally takes place on the third business day following. Day count conventions. The day count convention determines how interest accrues over time in a variety of transactions, including bonds, swaps, bills and loans. Interest is usually expressed to accrue at a rate per annum (the reference period). It is often due and payable at shorter intervals, usually a number of months (the interest period)

Purchasing a security involves a trade date, which signifies the day an investor places the buy order, and a settlement date, which marks the date and time the legal transfer of shares is actually. Markets closing process commences from 12:30 London time. Standard settlement day. Available as normal : Monday 3 January 2022: New Year's Day (substitute) NON-trading day. Also GBX/ GBP NON-settlement day in EUI: Available as normal . Documents and downloads. Millennium Exchange and TRADEcho Business Parameters . 01.04.21, XLS, 839.00KB. Guide to Trading System (MIT201) 22.03.21, PDF, 1.44MB.

Stock Settlement: Why You Need to Understand the T+2

Settlement day: can be whatever length of time you negotiate with the buyer is most commonly 4-6 weeks after both parties sign the contract mostly falls within a range of 30-90 days Daily Settlement Price files contain settlement, volume, open, close, high and low prices for all CME Group products according to our Settlement Price schedule. The most recent trading day available in text format. *Settlement prices for the E-mini S&P 500 may differ slightly from the true settlement price displayed on CME's Daily Bulletin 3 Settlement for all ACH items processed by a Reserve Bank pursuant to Operating Circular 4 will be made at the times set forth in the Federal Reserve Policy on Payment System Risk and this document, as amended from time to time. 4 Settlement for ACH items not eligible for same day will occur at 8:30 a.m. ET on the later of (i) the next banking. Look into home insurance options prior to settlement. Estimated time for home loan approval (once documents submitted): 1-5 business days. 5. Settle & move in Settlement is when the purchase of the property is completed and it officially becomes yours. We will arrange a settlement date, time and location with your solicitor or conveyancer and notify you by SMS as soon as settlement is.

This NO PREP packet contains worksheets to teach your

Settlement Date Definitio

The SEC remains committed to ensuring that U.S. securities regulation is reflective of modern times, and in shortening the settlement cycle by one day we aim to increase efficiency and reduce risk for market participants. Broker-dealers will be required to comply with the amended rule beginning on Sept. 5, 2017 Settlement & Asset Services. The Depository Trust Company (DTC), DTCC's central securities depository subsidiary, provides settlement services for virtually all equity, corporate and municipal debt trades and Money Market Instruments in the U.S. Approximately 1.5 million settlement-related transactions per day, with a value of approximately.

Real-Time Market. During real-time, ERCOT dispatches resources based on economics and reliability to meet the system demand while observing resource and transmission constraints. Security Constrained Economic Dispatch (SCED) is the real-time market evaluation of offers to produce a least-cost dispatch of online resources Negotiating a settlement date. Buyers and sellers typically negotiate a settlement date that is mutually agreeable. If you have sold your home and are not yet ready to move into your next. 2-DAY TRAINING 4 - ATTACKING AND SECURING INDUSTRIAL CONTROL SYSTEMS (ICS) Location: Training Rooms Date: May 25, 2021 Time: 9:00 am - 5:00 pm. 2-DAY TRAINING 5 - BLACK BELT PENTESTING / BUG HUNTING MILLIONAIRE: MASTERING WEB ATTACKS WITH FULL-STACK EXPLOITATION Location: Training Rooms Date: May 25, 2021 Time: 9:00 am - 5:00 pm CommSec's expert team keeps you up to date with live share market news and reports, videos, stock prices and trends. Take me to CommSec Market News. Discover more about investing SMSF cash account. It's easier to manage your SMSF cash account and investments together. Tell me more. A guide to investing. An introduction to shares and the stock market. Tell me more. Term deposits. Lock in a. Find out how you can log on to CommSec from NetBank. New to CommSec? Join now Download the CommSec App. Disclaimer: By clicking on the links above you will be taken to itunes.apple.com or play.google.com. These sites are not affiliated with CommSec and may offer a different privacy policy and level of security. This site is directed and available to and for the benefit of Australian residents.

For many years, our markets operated on a T+5 settlement cycle. But, nearly a decade ago, the SEC reduced the settlement cycle from five business days to three business days, which in turn lessened the amount of money that needs to be collected at any one time and strengthened our financial markets for times of stress

Real-time prices, news and research. All CommSec Share Trading Accounts provide clients with up-to-date market prices and data. With a CommSec Share Trading Account, you're able to stay up to date. Current local time in USA - Washington - Seattle. Get Seattle's weather and area codes, time zone and DST. Explore Seattle's sunrise and sunset, moonrise and moonset 'Real Time' indicates that the processing of instructions happens at the time they are received rather than at some later time. 'Gross Settlement' indicates that the settlement of fund transfer instructions occurs individually (on an instruction-by-instruction basis). Considering that the settlement of funds takes place in the books of the Reserve Bank of India, the payments made through RTGS. The Kingdom of Mapungubwe, which was located near the northern border of present-day South Africa, at the confluence of the Limpopo and Shashe rivers adjacent to present-day Zimbabwe and Botswana, was the first indigenous kingdom in southern Africa between AD 900 and 1300. It developed into the largest kingdom in the sub-continent before it was abandoned because of climatic changes in the 14th.

Estate Settlement and Support. Call 1800 686 153. 8.30am - 5pm, Mon - Fri (Sydney/Melbourne time) You can also visit the Estate Settlement & Support website. Essential Super. Call 13 4074 or email Essential Super. 8am - 7pm, Mon - Fri (Sydney/Melbourne time) SMSF. Call 1800 138 363 8.30am to 5.30pm, Mon-Fri (Sydney/Melbourne time) Contact our SMSF Specialist Team. Commonwealth Financial. Other Calendars. Calendar Generator - Create a calendar for any year.; Monthly Calendar - Shows only 1 month at a time; Custom Calendar - Make advanced customized calendars; Printable Calendar (PDF) - Calendars especially made for printing Date Calculators. Duration Between Two Dates - Calculates number of days.; Date Calculator - Add or subtract days, months, year Ever shortening the settlement cycle as technology permits may be aspirational but considering the complexity and volume of the U.S. securities markets, and what needs to be done just to get to T+1, T+0, or real time gross settlement at this time is not achievable. Further, T+1, let alone end of day, will need to address the reality that markets are global, and technology can't ignore that. — A North Carolina sheriff's office has agreed to a $6 million settlement in a lawsuit in which six families accused the department of a pattern of using excessive force doled out by deputies who had allegedly referred to themselves as the KKK, an attorney said Thursday. Raleigh-based attorney Robert Zaytoun announced the settlement with the Harnett County Sheriff's Office on beha

7th pay commission latest news: Ahead of the Dearness Allowance (DA) and Dearness Relief (DR) hike for central government employees and pensioners, the central government has extend the time-limit for submission of Travelling Allowance (TA) claims from 60 days to 180 days. The central government's decision to change time-limit for TA submission on retirement is effective from 15th June 2021 01. Settlement (04:59) 02. Strange Times (04:30) 03. Judgement Day (07:13) 04. Each Manner Of Man (04:27) 05. The Visit (04:45) 06. Flying Free (02:12 Today is supposed to be the settlement date, yet Commsec hasn't transferred a dime from my Commonwealth Bank account linked, what the hell? Are they just going to do nothing then charge me or suspend me for not paying on time? Or are they going to transfer the money at midnight? 1 comment . share. save hide report.

Twilight colours, and not just fading light, help us tell

Settlement - Securitie

  1. Settlement Date and Time. The Settlement Date and Time for sales or purchases is the date and time that is specified on the front of the relevant Confirmation. If no date and time are specified or n..
  2. Daily Settlement Price VA/M1 - 2021-06-18 11.9500 / 1,340.586
  3. Note that the effective date applies to an RDFI's ability to make a claim, and not to the settlement dates of entries. As of June 30, 2021, an RDFI may make a claim regarding an entry using the new time frames allowed by this rule. These time frames apply to all warranty claims moving forward, no matter the settlement date of the Entr
  4. SETTLEMENT PROCEDURES FOR SYNDICATED ISSUES DAY LATEST TIME ACTION --- -----. to be agreed for The Issuer may, subject to each issue of Notes] the execution of the Subscription Agreement referre..
  5. ology has also been enriched by a number of analytical studies, which have added new concepts and terms. To this end, the Committee on Payment and Settlement Systems (CPSS) has decided to bring together in a.
  6. ation, the best time for the average person (i.e., neither early bird nor night owl) to drink caffeinated coffee is between 9:30 and 11:30 a.m. Furthermore, as I've.

Trading calendar - AS

  1. es that the case cannot be dismissed within the prescribed 45 days, that party must serve and file a notice and a supporting declaration advising the court of that party's inability to dismiss the case within the prescribed time, showing good cause for its inability to do so, and proposing an alternative date for.
  2. Creation Date: Date field + Time field: Time stamp indicating when the capture was received by Adyen. Format: YYYY-MM-DD HH:MM:SS. For example: 2012-07-26 19:58:55. 7: TimeZone : Alpha Text (4-character limit) Time zone of the Creation Date. To configure for your company account, open the Customer Area and go to Account > Settings. 8: Type* Alpha Text (50-character) Type of record included in.
  3. Austraclear currently services more than 1,000 participants, holds more than A$2.6 trillion worth of securities, and via a real-time link to the Reserve Bank of Australia's RTGS system, settles on average more than A$100 billion of transactions per day
  4. The petitioner is entitled to apply for the decree absolute from six weeks and one day from the date that the decree nisi is granted, whereas the respondent must wait until a further three months have passed. After that time, if the petitioner is still dragging their feet in the hope of maintaining a negotiation advantage, then the respondent could make an application for the decree absolute.
  5. utes ago. Why is CommSec restricting my T+2 orders? It's saying a deposit is required and depends on the share market value...? Have always paid settlement on time. 0 comments. share. save hide report. 100% Upvoted.
  6. The ETF settlement date is 2 days after a trade is placed, whereas traditional open-end mutual funds settle the next day. The difference in settlement periods can create problems and cost you money if you are not familiar with settlement procedures. For example, if you sell ETF shares and try to buy a traditional open-end mutual fund on the same day, you will find that your broker may not.
  7. Settlement day: can be whatever length of time you negotiate with the buyer. is most commonly 4-6 weeks after both parties sign the contract. mostly falls within a range of 30-90 days. On settlement day, you will usually: receive the remaining amount of the purchase price from the buyer. transfer the title of the property
Best Time Of Day Illustrations, Royalty-Free Vector

DTC provides (i) settlement services for virtually all equity, corporate and municipal debt trades and Money Market Instruments in the U.S. Approximately 1.4 million settlement-related transactions per day, with a value of approximately $600 billion, are completed at DTCC in an efficient and risk-controlled process and (ii)central safekeeping and asset servicing for securities issues from 131. With real-time settlement in today's market structure, the entire industry - clients, brokers, investors - loses the liquidity and risk-mitigating benefit of netting, and that is particularly critical during times of heightened volatility and volume. For example, on a typical trading day, NSCC processes an average of about $1.7 trillion in equities transactions. The multilateral netting. Time & Date Calculator App for iOS . See how long remains before a deadline or exactly when those 30 days are up. Calendar with Logo (PDF) Add your company logo to our printable calendars. Try the Calculator API . Use our Calculator data in your apps. 3 months free trial, no credit card needed. Start free trial . Help and Example Use. Some typical uses for the Date Calculators; API Services. When configured, auto settlement begins any time after the set time occurs. At the end of every successful batch Settlement, a settlement report will automatically print • To change your settlement option to Auto, call the Help Desk at 1-888-886-8869. Note: the terminal must be powered on for the Auto Settlement to occur. How to Reload Printer Paper • Access the printer roll by lifting up.

What Happens On Settlement Day? - realestate

  1. is given to ASX after noon (Sydney time) on a business day, deferred settlement trading (if applicable) will end at market close on the next business day and normal (T+2) trading will start from market open on the business day after that. Settlement of on-market trades conducted on a deferred settlement basis and the first settlement of trades conducted on a T+2 basis occurs 2 business days.
  2. Our Market Settlements team collects operational and Market Participant submitted data to produce daily settlement statements. We settle each Operating Day seven calendar days after the Operating Day. Subsequent settlements of the Operating day occur on the 14th, 55th and 105th calendar day after the Operating Day
  3. utes and seconds ticking down to
  4. Time of day and days of the week: Demand peaks always occur on weekdays when businesses are in operation. The highest times of demand in a day vary between seasons. For example, winter tends to be in the early evening when electricity consumers across the province are turning lights on and making dinner. In the summer, demand tends to be higher in the early to mid-afternoon when air.

Property settlement is a legal process that is facilitated by your legal and financial representatives and those of the seller. It's when ownership passes from the seller to you, and you pay the balance of the sale price. The seller sets the settlement date in the contract of sale. As a general rule, property settlement periods are usually 30. Calculation of sunset and sunrise time in White Settlement (United States) for june 2021, length of day. Astronomy calculator (schedule, calendar, graph) Within [Time] from the date of this Agreement, Payments shall be made according to the schedule attached hereto as Exhibit A (the Settlement Payments). TIME IS OF THE ESSENCE. The Parties agree and acknowledge that time is of the essence with regard to the Settlement Payments. PandaTip: This section results in the Plaintiff agreeing not to sue the Defendant in the future regarding. Settlement Finality Directive (SFD) The Settlement Finality Directive (Directive No 98/26/EC or 'SFD') aims at reducing the systemic risk associated with participation in payment and securities settlement systems, and in particular the risk linked to the insolvency of a participant in such a system

Capturing the light at different times of day on the samePier lamps embankment twilight (time of day) wallpaperWhat exactly is twilight? | Science Wire | EarthSkyEarth`s patternsTime Of Day Black Silhouette Icons Stock Vector

The claims process for the federal Indian Day Schools settlement is now open. Applications can be submitted until July 13, 2022. For more information on how to apply for compensation, please contact Deloitte, at: Toll-free: 1-888-221-2898. Website: Indian Day Schools Class Action Claims Administration. Email: indiandayschools@deloitte.ca Settlement of class actions (a) Court approval after hearing A settlement or compromise of an entire class action, or of a cause of action in a class action, or as to a party, requires the approval of the court after hearing. (Subd (a) amended effective January 1, 2007.) (b) Attorney's fees Any agreement, express or implied, that has been entered into with respect to the payment of attorney's. White Settlement ISD, home of the Fightin' Brewer Bears, offers a hometown, community atmosphere with all the benefits of city living. The district is comprised of nine schools and has 800-plus employees. We offer four elementary campuses, a Fine Arts Academy, an intermediate school (grades 5 and 6), a middle school (grades 7 and 8), a high school (grades 9 through 12), and an alternative. Real Estate Settlement Procedures Act1 The Real Estate Settlement Procedures Act of 1974 (RESPA) (12 U.S.C. 2601 et seq.) Booklet at the time a written application is submitted, or no later than three business days after the application is received. If the application is denied before the end of the three-business-day period, the loan originator is not required to provide the bo oklet. If. The RTGS system facilitates the settlement of real time Delivery versus Payment and real time Payment versus Payment through domestic and international linkages. All licensed banks in Hong Kong are obligated to maintain HKD settlement accounts with the Hong Kong Monetary Authority (HKMA). Since June 2000, restricted licence banks with a clear business need are also allowed to open. Why you should avoid Fridays — and the 15th — when closing on a home. Just as there is said to be a preferable day — and even time of day — to book a flight or find an economical hotel.

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