I opened a HSBC Global Money account, and now I have HSBC accounts in four regions: Mainland China, Hong Kong, UK, and US, enabling seamless transfers.

The downside is that I still need to use crypto-friendly intermediary banks. Although many exchanges now support direct fiat withdrawals to bank cards, banks like HSBC and Lloyds are still prone to freezing accounts when large amounts of first-hand crypto funds are involved.