[Official Guide] Opening a Chinese Bank Account: Documents by Bank & City (2026)
Stay2CN Official Guide | Banking & Finance | May 2026Requirements vary by bank and even by branch. This guide breaks down exactly what each major bank asks for.
Universal Requirements (All Banks)
• Original passport (not a copy)
• Valid Chinese visa or residence permit
• Chinese phone number (must receive SMS)
• Proof of address in China (rental contract or hotel registration)
Bank of China (中国银行)
Additional docs: Employment letter or student certificate (sometimes)
Best for: International transfers, wire receipts
English support: Good at main branches in major cities
Foreigner experience: Most consistent across branches
Card delivery: Instant debit card at most branches
ICBC (中国工商银行)
Additional docs: Often none beyond universal requirements
Best for: Largest ATM network, government-related payments
English support: Varies wildly by branch
Foreigner experience: Hit or miss — main branches are fine, sub-branches may refuse
Tip: Go to a "main branch" (支行), not a "sub-branch" (分理处)
China Merchants Bank (招商银行)
Additional docs: Usually just the basics
Best for: Modern app, good UI
English support: Better app experience; branch staff varies
Foreigner experience: Generally welcoming
Note: Fewer rural branches than BOC or ICBC
HSBC China / Standard Chartered
Additional docs: Proof of income, employment contract, sometimes minimum deposit (¥100,000+)
Best for: Premium service, international connectivity
English support: Excellent
Foreigner experience: Smooth but expensive and selective
What to Ask When You Walk In
1. "Can foreigners open accounts here?" (外国人可以开户吗?)
2. "Do I need an appointment?" (需要预约吗?)
3. "What documents do I need?" (需要什么材料?)
4. "How long does it take?" (需要多长时间?)
After Opening: Must-Do Setup
• Activate online banking immediately
• Set up mobile banking app
• Apply for a UnionPay card (works everywhere in China)
• Enable SMS alerts for transactions
Which bank did you use, and how was the experience?
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