What is an education trust?

An education trust is a specialized trust designed to fund educational expenses for beneficiaries. It can cover tuition, living expenses, and multi-generational educational legacies, ensuring family members access quality education.

How does an education trust work?

Funds are placed in a trust managed by a professional trustee like FGA Trust. The trust disburses payments for approved educational expenses according to the terms set by the settlor, providing tax benefits and structured funding.

Can an education trust fund international education?

Yes, an education trust can fund education at institutions worldwide. FGA Trust structures trusts that support international schooling, university education, and professional development across multiple jurisdictions.

Education Trust Office

Secure your child's education with a licensed trust service.

FGA Trust offers a premier specialist education trust structure in Hong Kong, specifically designed for international families. We simplify tuition fee payments, provide parent-monitored student spending cards, and ensure fund protection through a fully regulated and transparent trust framework. Secure your child’s academic future with our expert financial management for non-local students in Hong Kong.

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Why Families Trust FGA For Their Children's Education

Institutional Grade Protection

Every dollar is held in a licensed trustee under independent audit oversight. Payments go directly to schools, landlords, and verified service providers — never through personal accounts. This eliminates telecom fraud, impersonation scams, and fund misappropriation that plague international students.

Card Control Anytime, Anywhere

Each student receives a dedicated FGA spending card linked to their trust account. Parents can set daily and monthly spending limits, restrict merchant categories, and view every transaction in real-time through our mobile app. You control the funding. Your child controls the spending. You stay in control.

Seamless Proof of Funds for Talent Retention

We resolve all major pain points — tuition fees, accommodation deposits, and living allowances — directly to verified recipients on your behalf. FGA also provides official proof of funds letters to support visa and university applications, saving you time and paperwork.

Total Fund Security

Licensed trust structure (TCSP T000848) ensures funds are ring-fenced and protected from fraud.

Real-time Control

Monitor and limit student spending instantly from anywhere via our digital app, without VPN access.

Seamless Disbursement

Automated tuition and accommodation payments to pre-verified institutions.

All-in-One Support

Integrated education and career planning from Hong Kong's industry leaders.

Fee Efficiency

Zero management fees for qualifying balances. Fee processing fee covers the entire setup.

Choose the Right Plan for Your Family

From essential payment management to comprehensive family wealth structuring.
We have a solution for every stage of your child's educational journey.

Tier 1

ESSENTIAL EDUCATION PLAN

Tier 2

STANDARD TRUST ACCOUNT

Tier 3

PRESTIGE FAMILY TRUST

Tier 4

PREMIUM FAMILY TRUST

From RMB 300,000 / year

From RMB 2,000,000
(4-year programme)

USD 1,000,000
(~ RMB 7.2M)

USD 3,000,000
(~ RMB 20.3M)

1 year

4 years

Long Term

Payment Management

Independent Trust Account

Bespoke Family Trust

Concierge Service with Trust

Spending Card Included (Parental Control)

Spending Card Included (Virtual Bank Link)

Spending Card Included (Elite Privileges)

Customized Metal or Ceramic Card (FGA Prestige Service)

1-time Edu + Career Consulting (Optional)

1-year Edu + Career Consulting (Included)

Bespoke Elite Planning

Bespoke Prestige Planning

Best for single-year budget control

Best for full undergraduate degree

Best for high-net-worth families

Best for estate planning and lifetime settlement

Conditional management fee waiver

Tier 1

ESSENTIAL EDUCATION PLAN

From RMB 300,000 / year

1 year

Payment Management

Spending Card Included (Parental Control)

1-time Edu + Career Consulting (Optional)

Best for single-year budget control

Tier 2

STANDARD TRUST ACCOUNT

From RMB 2,000,000
(4-year programme)

4 years

Independent Trust Account

Spending Card Included (Virtual Bank Link)

1-year Edu + Career Consulting (Included)

Best for full undergraduate degree

Conditional management fee waiver

Tier 3

PRESTIGE FAMILY TRUST

USD 1,000,000
(~ RMB 7.2M)

Long Term

Bespoke Family Trust

Spending Card Included (Elite Privileges)

Bespoke Elite Planning

Best for high-net-worth families

Conditional management fee waiver

Tier 4

PREMIUM FAMILY TRUST

USD 3,000,000
(~ RMB 20.3M)

Long Term

Concierge Service with Trust

Customized Metal or Ceramic Card (FGA Prestige Service)

Bespoke Prestige Planning

Best for estate planning and lifetime settlement

Conditional management fee waiver

TALENT IN HK ECOSYSTEM

FGA Trust is the exclusive trust service provider for TALENT IN HK (安心在港), a landmark initiative co-founded with BEACON Group (parent entity HKEX 1775) and ManpowerGroup Greater China (HKEX 2180). This partnership brings together Hong Kong's leading education provider, Asia's premier talent solutions firm, and a licensed trust institution — creating a comprehensive support system for international students and their families.

Learn More

Media Reports

Hong Kong Launches New Programme to Aid International Students - Asia Education Review

Hong Kong launches Programme to support international students - Travel Daily Media

Comprehensive Support for Students to Bolster Hong Kong's Talent Attraction and Retention - HR Asia

Manpower, BEACON and FGA Trust launches "Talent in HK" program - Sinchew

Structure Your Wealth For Overseas Study.

Start with our complimentary initial consultation.

The consultation is available in English, Cantonese, and Mandarin.

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Frequently Asked Questions

What is Education Trust and why do students need one?+

An Education Trust is a legal arrangement where funds are held by a professional trustee (FGA) to ensure they are used exclusively for a student's education and living expenses. In Hong Kong, it protects families from fraud, prevents impulsive spending, and ensures funds remain safe and segregated from family assets.

How does the FGA Card help parents monitor spending?+

The FGA card is linked to the trust account. Parents receive real-time notifications for every transaction via our app or WeChat. You can set daily/monthly limits and view detailed category reports to help your child develop healthy financial habits.

Is my money safe with FGA and what if there's financial issues?+

Yes. FGA Trust holds a valid TCSP license in Hong Kong. Under trust law, trust assets are legally segregated from the trustee's corporate assets. Your funds belong solely to the beneficiaries and are protected from FGA's creditors.

Can FGA handle tuition and rent on behalf of the student?+

Absolutely. FGA provides a seamless bill-payment service. Once you provide the invoice or agreement, we handle the cross-border settlement and direct payment to the institution or landlord, ensuring essential bills are paid accurately and on time.

What are the different service tiers offered by FGA?+

We offer four levels for Education Trust: Tier 1 (RMB 300k) for basic bill-pay and card services; Tier 2 (RMB 2M) for full trust accounts with fee waivers; Tier 3 (USD 1M) for bespoke family trust structures; Tier 4 (USD 3M) comes with prestige concierge services.

How do I apply for an FGA Education Trust remotely?+

The process is simple: 1) Contact us via the website or apply through our partners. 2) Submit ID and proof of funds. 3) Select your tier and sign the trust deed digitally. 4) Transfer funds. Most accounts are activated within 3-5 business days.

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Education Trust Office