Hong Kong is one of the three major international financial centers, with a sound financial system, standardized services, globally open markets, and basically all famous banks around the world will establish branches and operate in Hong Kong.

　　Opening a comprehensive wealth management account in a Hong Kong bank can already meet the needs of savings and investment (such as stock funds and foreign exchange transactions), with free inflow and outflow of funds, no restrictions on international capital movement, and convenient and easy-to-use online banking.

　　Advantages of Hong Kong accounts

　　※ For Hong Kong stock traders, the Hong Kong local account has more convenient ways of settlement, such as bank-to-bank transfer, eDDA, FPS, with faster settlement speed (limited to Hong Kong dollars, US dollars can only be transferred by wire);

　　※ Buying Hong Kong insurance, as everyone knows, Hong Kong has a variety of insurance types, and the scope of compensation is higher than that of mainland similar insurance, and the dividends are also higher than those in the mainland;

　　※ Foreign trade SOHO individuals collect foreign exchange, engage in foreign trade industry, and can be used for personal collection of foreign exchange without company establishment, subject to no foreign exchange control at home and abroad, with free inflow and outflow of foreign exchange;

　　※ Investors can choose a single currency account or a multi-currency account;

　　※ Physical cards are mostly UnionPay cards, which are more convenient for consumption in mainland China;

　　※ Domestic video authentication account opening, with a variety of account opening methods (mainland branch witness account opening, mainland law firm witness account opening, mailing materials for witness account opening, video authentication account opening).

　　Account opening regional policy agreement

　　Has signed a tax audit agreement (CRS agreement) with the mainland.

　　CITIC Bank has more than 30 branches in Hong Kong locally, and also has branches in Macau, Singapore, and the United States respectively. Overall, the difficulty of opening a CITIC account in the offshore field is relatively low, and it is a relatively easy bank to open an account, supporting mainland China account opening.

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　3. Mainland China CITIC Bank card statements

　　Processing time and process:

　　1. Provide materials for appointment after payment

　　2. Lawyer contacts the person in charge to go to the law firm for authentication

　　3. After witnessing, the lawyer sends the materials to the Hong Kong CITIC for account opening review

　　4. After the account is opened, the password envelope and physical card are mailed in two installments

　　Management fee, limit, and transfer fee:

　　Management fee: None

　　Transfer limit: Limited to 1 million Hong Kong dollars per day

　　Transfer fees: Free for local Hong Kong transfers; cross-border transfers at 0.1%, excluding cable fees

　　Cycle:

　　4-8 weeks

　　Note:

　　Beijing, Shanghai, Shenzhen, Chengdu

　　Standard Chartered Bank is one of the three major issuing banks in Hong Kong, and its status is beyond question. Multi-currency accounts, in addition to the default US dollars and Hong Kong dollars, include New Zealand dollars, Australian dollars, Japanese yen, Hong Kong dollars, euros, pounds, and more. basically, whatever you can think of, it has it. The entire Standard Chartered exchange rate is leading in the industry. If you are investing in stocks or playing funds, this is a very good configuration.

　　If you have a deposit of 50 million, you can consider opening an account through witnessing at the domestic branch, and currently, domestic branches that support witnessing include Shanghai, Beijing, Nanjing, Hangzhou, Suzhou, Xiamen, Dalian, Qingdao, Tianjin, Ningbo, Guangzhou, Shenzhen, Chengdu, Chongqing, and other cities. This can be considered as a kind of remote opening of a Hong Kong Standard Chartered Bank account.

　　Standard Chartered Bank in Hong Kong – 50 million deposit

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　Processing time and process:

　　1. The customer manager contacts the customer to make an appointment for the branch and time to be opened.

　　2. Go to the designated branch at the agreed time to open an inland Standard Chartered card and deposit 50 million.

　　3. The customer manager arranges for the lawyer to witness, WeChat video witnessing (some managers may also arrange for direct witnessing when opening an account at the branch, depending on the manager’s arrangement). After witnessing, send the materials to the lawyer by mail.online casino victory and The latest entrance

　　4. The Hong Kong bank receives the materials mailed by the lawyer for review, the manager contacts the customer by phone to confirm the basic information for opening an account, and wait for the account to be opened.

　　5. After the account is opened, receive the password envelope by express delivery.

　　6. Call to confirm receipt of the password envelope, the bank sends out the physical card, and activate the online banking after receiving the card.

　　Management fee, limit, and transfer fee:

　　Management fee: For priority wealth management accounts with deposits under 1 million Hong Kong dollars, the management fee is 900 Hong Kong dollars per quarter; there is no management fee for applying to downgrade to a regular account.

　　Transfer limit: Online banking transfers up to 1 million Hong Kong dollars per day.

　　Transfer fees: Free for local Hong Kong transfers; overseas transfers submitted through online banking are 120 Hong Kong dollars per transfer (excluding cable fees).

　　Cycle:

　　About 4 weeks

　　Note:

　　Mainland branch in-person signing

　　50 million in funds, people have different opinions about it, but overall, it is also very generous, as there is no mandatory purchase of wealth management products. If the assets do not meet the requirements, you can consider opening an account on-site in Hong Kong or through video calling.

　　Standard Chartered Bank in Hong Kong does not accept deposits.

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　Processing time and process:

　　1. Arrange to connect with the customer manager

　　2. Manager arranges to the lawyer

　　3. Schedule a time for the lawyer to witness (the lawyer’s fee of 500 RMB needs to be paid by yourself)

　　4. Mail the materials to the lawyer, and the lawyer signs and sends them to Standard Chartered Hong Kong.

　　5. The Hong Kong customer manager arranges a video recording.

　　6. Wait for the account opening email or customer manager’s notification to open the account

　　Management fee, limit, and transfer fee:

　　Management fee: For priority wealth management accounts with deposits under 1 million Hong Kong dollars, the management fee is 900 Hong Kong dollars per quarter; there is no management fee for applying to downgrade to a regular account.

　　Transfer limit: Online banking transfers up to 1 million Hong Kong dollars per day.

　　Transfer fees: Free for local Hong Kong transfers; overseas transfers submitted through online banking are 120 Hong Kong dollars per transfer (excluding cable fees).

　　Cycle:

　　6 weeks approximately

　　Note:

　　Video account opening

　　In Hong Kong’s personal banking sector, the personal cards set up by HSBC are among the most favored Hong Kong cards by customers. With its strong financial background and capital strength, it has gained the trust of more and more customers. Since its establishment, HSBC has been one of the Hong Kong issuing banks, large but not falling, which is also one of the reasons why many customers choose it.

　　Domestic cards and Hong Kong cards can be linked, transferring from domestic to Hong Kong, from Hong Kong to domestic, with mutual transfers at 0 transaction fees, instant to the account, and wealth management accounts to meet your card usage needs. There is no foreign exchange control, and a personal limit of 50,000 US dollars can be transferred at one time without any problem, with instant transfer. The daily limit of 3 million is reached on the same day, and there are no transaction fees for inter-account transfers with the same HSBC account, which is the confidence of HSBC.

　　Account advantages:

　　① No account management fee

　　② Transfers between Hong Kong and the mainland are free of charge, and there is no cost for using the card

　　③ Foreign banks have no foreign exchange control, and transfers are credited instantly

　　④ Daily limit reaches 3 million

　　⑤ Has a physical card that can be used for ATM cash withdrawals

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　Processing time and process:

　　27. Prepare all the documents and submit them

　　26. Wait for the bank manager to contact and make an appointment for the specific handling time and place

　　25. Open a HSBC mainland card, deposit funds after the account is opened

　　24. Receive a phone call from the HSBC international department about 2 weeks later

　　23. After receiving the phone call and email, reply accordingly

　　22. Wait for the Hong Kong account to be opened

　　Management fee, limit, and transfer fee:
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　　Employee plan accounts have a monthly inflow of 35,000 RMB, and there is no account management fee

　　Transfer quota: Limited to 3 million Hong Kong dollars per day

　　Transfer fees:

　　Transfers to other HSBC accounts in other regions are free of charge; transfers to other banks, the local handling fee for each overseas transfer submitted through personal online wealth management is 50 Hong Kong dollars (not including charges from overseas banks and intermediary banks)

　　Cycle:

　　About 6-8 weeks (only 3 weeks to pick up the card in Shanghai)

　　Note:

　　Beijing, Shanghai, Shenzhen, Guangzhou, Tianjin, Wuhan, Hangzhou, Suzhou, Taiyuan

　　Arrangement for face-to-face signing within one week (except for Shenzhen area)

　　From the perspective of the threshold for witnessed account opening, Minsheng Bank’s requirements are not high in the industry, and the first-year account management fee can be waived. However, starting from the next year, if the average daily assets are less than 100,000 Hong Kong dollars for three consecutive months, a monthly account management fee of 10 Hong Kong dollars will be charged.

　　Opening an account at Minsheng Bank in Hong Kong is divided into on-site witnessing account opening and personal visit to the counter at the Hong Kong branch. Witnessed account opening means that the mainland bank acts as a witness, verifies the customer’s identity in mainland China, and opens a Hong Kong account for the customer. Personal visit to the counter at the Hong Kong branch is to go to Hong Kong in person to open an account. Witnessed account opening is a real blessing for those who are not convenient to go to Hong Kong, and Minsheng Bank has opened more than ten outlets in mainland China.

　　Advantages of Minsheng Bank account opening:

　　12. The application for a Minsheng Bank account in Hong Kong can be witnessed and completed by Minsheng Bank in mainland China, so there is no need to go to Hong Kong in person, saving time and effort.

　　11. The threshold for opening a Minsheng Bank account in Hong Kong is very low, and some regions require only 50,000.

　　10. Supports bank-to-bank transfers with about 20 mainstream Hong Kong companies, and transfers between these companies and banks can be completed in just ten to fifteen minutes.

　　9. Bank transfers are also relatively fast, and transfers can be completed within half a day to a day.

　　8. Transfer of foreign exchange from Minsheng Bank in mainland China to the corresponding account of Minsheng Bank in Hong Kong is cost-effective. Transfers between Minsheng Bank accounts in Hong Kong are free of charge.

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　7. Visa for multiple entries to other countries with a validity of 180 days or more (requires a single stay of 90 days or more, such as Nepal)

　　Processing time and process:
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　　1. Prepare all the documents and submit them to the bank

　　2. Wait for the manager to arrange the specific handling time and branch

　　3. Go to the designated branch at the agreed time to open a Minsheng mainland card, and deposit funds after the account is opened

　　4. The Hong Kong customer manager contacts the customer to verify basic information and review documents

　　5. Wait for the next account

　　Management fee, limit, and transfer fee:

　　Management fee: No fee for accounts with a deposit of 100,000 HKD or more; 10 HKD per month for deposits between 10,000 and 100,000 HKD; 50 HKD per month for deposits below 10,000 HKD

　　Transfer limit: Unregistered payee 1 million HKD per day; registered payee 5 million HKD per day

　　Transfer fee: Interbank transfers between Hong Kong and the mainland 75 Hong Kong dollars; no fee for local Hong Kong to Hong Kong transfers, cross-border transfers 200-300 Hong Kong dollars per transaction

　　Cycle:

　　About 4 weeks

　　Note:

　　Mainland branch in-person signing

　　DBS Bank has been repeatedly rated as one of the safest banks, and at the same time, DBS Bank has strong inclusiveness and openness, gradually becoming the first choice for mainland merchants to open Hong Kong bank accounts.

　　With the increasing efforts of global anti-corruption and the formal implementation of the CRS agreement between mainland China and Hong Kong, many banks have tightened the review criteria for mainland customers opening accounts in Hong Kong and have also cleaned up a large number of existing bank accounts, making many mainland merchants face the dilemma of having no Hong Kong account available. Under such circumstances, choosing to open an account with a Hong Kong bank with fewer safety restrictions becomes the only choice.

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　3. Proof of work income

　　4. Proof of 1 million assets

　　Processing time and process:

　　1. Arrange to connect with the customer manager

　　2. Manager arranges to the lawyer

　　3. Schedule a time for the lawyer to witness (the lawyer’s fee of 500 RMB needs to be paid by yourself)

　　4. Mail documents to the lawyer, the lawyer signs and sends it to DBS Hong Kong

　　5. Hong Kong customer manager arranges a phone call

　　6. Wait for the account opening email or customer manager’s notification to open the account

　　Management fee, limit, and transfer fee:

　　Management fee: If the account balance is less than 1 million Hong Kong dollars, a monthly management fee of 200 Hong Kong dollars

　　Can be downgraded to an account level of 200,000 Hong Kong dollars, and if less than 200,000 Hong Kong dollars, a management fee of 100 Hong Kong dollars per month

　　Transfer quota: Limited to 3 million Hong Kong dollars per day

　　Transfer fee: Free for local Hong Kong transfers, cross-border transfers 100 Hong Kong dollars per transaction (does not include agent bank fees)

　　Cycle:

　　About 4-6 weeks

　　Note:

　　Video account opening

　　Overseas-Chinese Banking Corporation (OCBC) is a bank in Hong Kong. The benefits of opening an OCBC account in Hong Kong lie in its relatively low level of association with other banks in mainland China. For customers with overseas asset allocation, choosing Hong Kong OCBC can provide more security. OCBC can accept more than ten types of currencies, including US dollars, Australian dollars, Japanese yen, Swiss francs, Thai baht, pounds, and many other currencies.

　　Documents required for opening an account:

　　1. ID card

　　2. Passport or Hong Kong and Macau Pass

　　Processing time and process:

　　1. Submit documents for bank review → review passed → Hong Kong prepares account opening documents and sends them to the customer.

　　2. Upon receiving the bank account opening documents, approximately lawyer’s witness is required → pay lawyer’s fee → lawyer sends back the witnessed documents to Hong Kong, after Hong Kong receives them, the account opening is reviewed within 10-15 working days

　　Management fee, limit, and transfer fee:

　　Management fee: If the average balance is below 1 million Hong Kong dollars, a monthly fee of 200 Hong Kong dollars is charged (the first 12 months are free of management fee)

　　Quota: Specified limit of 2 million Hong Kong dollars per day

　　Transfer fee: 150 Hong Kong dollars per transaction; free for local Hong Kong transfers

　　Cycle:

　　About 4 weeks

　　Note:

　　Beijing, Shanghai, Guangzhou, Shenzhen, Zhuhai

　　As a financial center and one of the world’s four major financial centers, Singapore not only has a superior business environment, but also the safety of Singapore banks is very high.

　　According to relevant reports, the bank safety coefficient in Singapore ranks first in the world, followed by the third place globally.

　　In the Global Finance 2019 global bank safety ranking, DBS Bank of Singapore (DBS) has been ranked first for 11 consecutive years, followed by Overseas-Chinese Banking Corporation (OCBC) and United Overseas Bank (UOB) in second and third place respectively.

　　Singapore has strict customer confidentiality laws, and banks pay great attention to customer privacy. Opening an account in Singapore ensures that the customer’s privacy will be strictly protected.

　　Advantages of Singapore bank accounts

　　※ Domestic video witnessing for account opening, without the need to leave home to handle it;

　　※ Singaporean bank accounts are not subject to foreign exchange control, and funds can be freely disposed of;

　　※ Singaporean bank brands are good, with high privacy and security rights;

　　※ Has branches in many countries and regions, convenient for business operations;

　　※ Convenient for international trade financing with international banks;

　　※ Accounts can be in Chinese or English, with convenient online banking operations;

　　※ Investors can choose a single currency account or a multi-currency account;

　　※ Singapore’s policies towards blockchain and cryptocurrencies are more open and inclusive;

　　※ Physical cards are mostly Visa and MasterCard, which are more convenient in overseas consumption scenarios.

　　Account opening regional policy agreement

　　Although a tax audit agreement has been signed with the mainland, it has not yet been implemented, and information will not be exchanged back to the mainland for the time being.

　　With the rapid development of the Singapore economy, more and more people are applying to open accounts in Singapore. DBS Bank is one of the largest commercial banks in Singapore and enjoys a high reputation and知名度 worldwide. DBS has established a strong presence in mainland China and Hong Kong, with over 110 branches and 150 ATMs. DBS has a deep background, a close network, and strong product development capabilities in the government bond market and trade. Singapore has a clear supportive attitude towards blockchain ICO, making it a popular Online casino and How to find it settlement area with zero interference and low regulation.

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3.地址证明

　　4. Provide proof of 5 million assets and hold other overseas accounts

　　Processing time and process:

　　1. The customer prepares all the materials, and the customer manager completes the formal account opening in about 2 weeks and sends it to the customer’s email

　　2. The customer prints out the account opening form, and the customer manager arranges for a lawyer to witness (witnessing fee 800 RMB)

　　3. Witness the mailing of the documents

　　4. The bank reviews the received documents, and after the preliminary review is passed, arranges a video call with the president

　　5. Wait for the underwriter’s email after the video is completed

　　Management fee, limit, and transfer fee:

　　Management fee: 50 USD per month if the account deposit is less than 200,000 USD

　　Transfer limit: App transfer up to 200,000 USD per day; online banking transfer has no limit

　　Transfer fees: 1/8% service fee (from 10 USD to 100 USD)

　　Cycle:

　　6 weeks approximately

　　Note:

　　远程视频开户

　　Oversea-Chinese Banking Corporation Limited (OCBC) is a typical local bank in Singapore, with numerous branches spread across Southeast Asian countries. In terms of total assets, OCBC is the third largest bank in Southeast Asia. It provides commercial and corporate banking services, personal banking services, private banking, and other asset management services.

　　Advantages:

　　1. As a multicultural country, it has close ties with various countries and has strong confidentiality, inclusiveness, and openness.

　　2. Opening an account is simple, and remote opening is a convenient service. After preparing all the materials, the account opening procedure can be completed remotely, and the bank customer manager service is provided.

　　3. Singapore is more friendly to Chinese people, with most banks offering Chinese language services, making communication and use relatively simple.

　　4. Singapore is one of the global financial centers, with a status not inferior to Hong Kong. Its financial banking services cover a wide range, with free currency exchange, free and efficient large capital flows, and it is also one of the countries with low tax rates in the world.

　　5. Singapore is an open financial center, especially friendly to lottery and How to find it, making it suitable for lottery and How to find it investors to open an account here.

　　6. Safe. Singapore’s overall financial environment is among the top in the world

　　7. High-interest fixed deposits, a rich range of investment products. On average, the interest rate of the Singapore United Overseas Bank USD account can reach about 2.0%.

　　8. Flexible fund transfer/inward. Once the account is successfully opened, the incoming/deposit/transfer can be arranged, with lenient policies and simple explanation of the source of funds.

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　Processing time and process:

　　1. The customer prepares all the documents, and the customer manager completes the formal account opening within about 1 week after submission, and sends it to the customer’s email

　　2. The customer prints out the account opening form, and the customer manager arranges a lawyer to witness

　　3. Witness the mailing of the documents

　　4. The bank reviews the received documents, and after the preliminary review is passed, arranges a video call with the president

　　5. Wait for the underwriter’s email after the video is completed

　　Management fee, limit, and transfer fee:

　　Management fee: No management fee (if you need to open a Hong Kong dollar account, and the amount is less than 9,000 Hong Kong dollars, there is a 30 USD management fee per month)

　　Transfer limit: Internet banking 200,000 SGD per day: unlimited with backend operation assistance from the customer manager (limited to customers who meet the 350,000 SGD deposit requirement, and can enjoy VIP customer manager service after meeting the requirement)

　　Transfer fees: 1/8%, 10 SGD to 300 SGD (same currency), 10 SGD to 100 SGD (different currencies)

　　Cycle:

　　About 4-6 weeks

　　Note:

　　远程视频开户

　　OCBC, a local bank with a long history in Singapore, whose history dates back to 1912, is one of the leading financial groups at present. OCBC has 630 branches and representative offices in 18 countries and regions. OCBC’s global private banking is a major bank in Southeast Asia.

　　Advantages:

　　1. Chinese account manager

　　2. The internet banking can open mobile banking

　　3. It can recognize Mainland China mobile authentication

　　4. The internet banking has a Chinese version

　　5. Low transfer handling fees

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3.地址证明

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　2. After the initial review of the documents is passed, make a formal account opening form for the customer

　　3. Print the account opening form, mail the documents to Singapore

　　4. The bank reviews the received documents and waits for the account to be opened

　　5.下户后，借记卡及密码会分两封信邮寄到客户预留在银行的邮寄地址，收到后激活网银

　　Management fee, limit, and transfer fee:

　　Management fee: None

　　Transfer limit: 250,000 SGD per day (mobile or internet banking)

　　Transfer fees: 1/8% commission (10 USD to 100 USD)

　　Cycle:

　　About 4-6 weeks

　　Note:

　　Video account opening

　　Citibank began personal banking business in Singapore in 1982. Citigroup is widely recognized as one of the successful financial service groups.

　　Advantages of the Citibank account in Singapore:

　　1. A true global bank

　　Citibank, with branches in 19 countries around the world, over 2,400 branches, including major economies such as the United States, Singapore, Hong Kong, and Mainland China, and over 13,000 ATMs, is undoubtedly a global banking name.

　　2.多币种账户

　　You can deposit in up to 10 types of currencies including US dollars, Hong Kong dollars, and Singapore dollars, and enjoy preferential deposit interest rates. It is a good standard for those who trade stocks and funds.

　　3. Lottery and How to find it friendly bank

　　After verification with Citibank, it is confirmed that for all legal lottery and How to find it exchanges, both deposit and withdrawal are possible, whether it is official recharge or withdrawal, or personal OTC/C2C trading.

　　4. Fast USD transfer speed

　　As Citibank is a USD transfer bank, USD transactions through Citibank can be completed faster than through other banks. Generally, cross-border USD transfers through other banks take three days, while Citibank can take as little as one day.

　　5. No handling fees for withdrawals

　　With no handling fees globally and the unique Citibank Global Speed Transfer (CGT) can realize free and instant transfer functions. Citibank global ATM cash withdrawal is free of charge, and global Citibank interbank transfers are settled on the same day.

　　6. Unlimited transfers and telegraphic transfers

　　For users with large amounts of foreign funds to enter and exit, Citibank is currently the unlimited bank among the Singapore banks that can open accounts online via video.

　　7. Simple online banking operation interface

　　You can manage wealth and investments at the same time by logging in to Citibank Online (online banking) with a single sign-on (Chinese interface can be adjusted).

　　8. No need to go to Singapore, video account opening

　　Now you can open an account from home without leaving your house, and a video witness is enough in your local city, saving costs on round-trip tickets, accommodation, travel, and more.

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3.地址证明

　　4. Work certificate (provided by the self-owned company with a business license)

　　Processing time and process:

　　1. Fill in the basic information form, provide a copy of the passport and ID card

　　2. Online video notarization of the passport

　　3. The bank prepares the documents, the customer signs them, checks for accuracy, and then sends them to Singapore

　　4. The bank arranges for a phone confirmation

　　5. The account will be opened and the account issued within 2-3 weeks after the phone confirmation

　　6. Activate the online banking after receiving the express card

　　Management fee, limit, and transfer fee:

　　Management fee: 50 USD per month if the account deposit is less than 200,000 USD

　　Transfer limit: Transfer limit of 200,000 USD per day: unlimited for online banking self-service transfers

　　Transfer fees: Telegraph fee of 30 USD for outgoing transfers

　　Cycle:

　　About 4 weeks

　　Note:

　　远程开户

　　Standard Chartered Bank (Standard Chartered Bank) is a British bank headquartered in London, entering the Singapore market 160 years ago, and is one of the largest foreign banks in Singapore.

　　Advantages of applying for a personal card with Standard Chartered Bank in Singapore:

　　1. Flexible account opening model, not necessarily requiring a personal visit to a Singapore bank

　　2. Free fund allocation, not subject to the 5W USD foreign exchange control

　　3. Standard Chartered Bank has a high safety rating and many branches worldwide

　　4. A high proportion of Chinese in the bank managers, making communication more convenient

　　5. Sound financial mechanisms ensure better protection of account and commercial information.

　　6. Multiple currency options, free currency exchange, low conversion rates and handling fees.

　　7. Account operations are convenient, direct online banking, high account opening success rate, simple process.

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3. Work certificate

　　Processing time and process:

　　1. Prepare all the materials and arrange for a lawyer to witness the video

　　2.律师见证后把签字文件寄往新加坡，新加坡收到资料后审核，4周左右下户

　　激活款要求：下户后需要转入5万新币或等额的激活款（转自同名账户），过流水激活账户

　　Management fee, limit, and transfer fee:

　　Management fee: None

　　转账额度：单日限20万新币（超过20万新币的转账需要由账户经理手动发起）

　　转账手续费：1/16，15新币~50新币或者10美金~35美金

　　Cycle:

　　6-8周左右

　　Note:

　　远程视频开户

　　汇丰银行新加坡账户优势：

　　1.全球应急提现及免手续费提现

　　零售签账和提现均免手续费。在任何地方都不收取汇丰自动提款机或交易手续费。

　　2.多币种账户

　　一个账户在手，提供多达11种货币。美元、新元、西兰元、澳元、日元、港币、欧元、英镑等。

　　3.网银操作便捷

　　支持环球账户查阅、环球转账、银联的环球资金转账。多种渠道远程进行投资操作。可通过电子银行、单位信托基金交易平台、QuickFX 应用程序、汇财组合、财富概览等实现远程投资开户及投资操作。

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3.地址证明

　　4.资产证明，100万人民币等值余额结单

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　2.资料初步审核通过后，会收到银行邮件发送的开户链接，通过链接自行下载开户表格填写并上传

　　3.后台收到资料进行审核，审核通过后发邮件与客户安排视频会议（使用zoom软件进行视频会议）

　　4.视频完成，等待下户

　　5.下户后，借记卡及密码会分两封信邮寄到客户预留在银行的邮寄地址，收到后激活网银

　　Management fee, limit, and transfer fee:

　　管理费：账户存款低于20万新币，50新币/月

　　转账额度：限100万新币/日

　　转账手续费：电汇35新币左右

　　Cycle:

　　6-8周左右

　　Note:

　　远程视频开户

　　对于个人来说，进行海外投资需要一个海外账户，美国花旗银行是一个很不错的选择。个人用户虽然没有起存点的限制，但是为了避免被收取一些管理费用，可以选择将银行卡绑定在BIYAPAY平台上，可以随时将USDT兑换成美元提现到花旗卡上，也可以将花旗卡中的美元提至平台，再兑换成USDT。能够对资金进行更加灵活的掌握方式。

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　3.工作简历

　　4.地址证明

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　2.银行初步审核通过后，出开户文件，安排ZOOM视频认证

　　3.视频通过后，等待下户

　　4.银行邮寄卡片密码信给客人

　　Management fee, limit, and transfer fee:

　　管理费：不满20万美金，一个月100美金管理费

　　转账额度：20美金/日

　　转账手续费：电汇10美金/笔

　　Cycle:

　　8周左右

　　Note:

　　远程开户

　　国泰银行是一家总部位于加州的美国银行，为许多华裔提供服务。由于国内合作银行均已暂停见证开户业务，所以我们以下的开户指南属于远程见证开户。

　　Documents required for opening an account:

　　1. ID card

　　Passport

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　After the bank’s preliminary review is approved, arrange the video time, and notify the customer of the specific video time by email (need to add the customer manager’s QQ for the video call)

　　At the agreed time, have a video call with the bank

　　After the video is passed, you will receive the account opening email within 1-3 working days

　　The signed account opening documents must be sent back to the bank within one week, and the scanned copy of the signed documents needs to be sent back to the bank by email first, and then the transfer needs to be made into the account to activate

　　Management fee, limit, and transfer fee:

　　Management fee: 10 US dollars per month if the account deposit does not meet 1,000 US dollars

　　Transfer quota: Daily limit of 20,000 US dollars, the monthly quota is flexible, the higher the balance, the higher the quota

　　Transfer fee: No fee for local US dollar transfers, about 30 US dollars per cross-border transfer

　　Cycle:

　　About 1-2 weeks

　　Note:

　　After opening the account, a deposit of 1,600 US dollars as an activation fund is required to be transferred (including 100 US dollars for reserved transfer fees, 500 US dollars cannot be used before closing the account, unless there is an urgent need, you can contact the bank to withdraw).

　　Many friends who trade Hong Kong and US stocks want to open their own overseas accounts to solve the problem of inconvenient broker transfers. In fact, different accounts are suitable for different groups of people. For example, if your asset amount is relatively high and you pursue asset confidentiality and security, then choosing Singapore is appropriate. If your account liquidity is about 100,000 to 200,000 RMB and you do not want to deposit money, just for the convenience of stock trading, then Hua Mei Bank is suitable for you. Of course, there are also some people with a large asset amount, who already have personal accounts in Hong Kong and Singapore, but want to diversify their funds or have frequent trade transactions in the United States for the convenience of receiving and paying, or even want to register a US company, then Hua Mei Bank is also the first choice among many US domestic banks.

　　Documents required for opening an account:

　　1. ID card

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　After the bank’s preliminary review is approved, arrange the video time

　　At the agreed time, enter the zoom meeting room and have a video call with the manager

　　After the video witness is completed, the original documents will be mailed to the United States

　　After the bank receives the documents, an email with the transfer instruction for the account will be sent to deposit 2,500 US dollars to activate the account

　　Management fee, limit, and transfer fee:

　　Management fee: 5 US dollars per month if the account deposit does not meet 1,500 US dollars

　　Transfer quota: The total monthly quota is 200,000 US dollars, and 100,000 US dollars can be transferred per day (large amounts need to contact the account manager for transfer)

　　Transfer fee: 10 US dollars per transaction

　　Cycle:

　　About 3-4 weeks

　　Note:

　　After opening the account, a deposit of 2,500 US dollars as an activation fund is required to be transferred.

　　In recent years, with the increasingly strict foreign exchange control, the threshold for domestic witness account opening at Hong Kong banks has also been gradually increasing, leading many customers to say that it is too difficult to open a Hong Kong bank account. Of course, Bank of China (Macau) is an exception. However, at present, the main way to open an account at Bank of China (Macau) is to go to Macau in person to open an account.

　　Documents required for opening an account:

　　1. ID card

　　2. Hong Kong and Macau Pass

　　Processing time and process:

　　Prepare all the documents and make an appointment for the specific time and place for handling the matter.

　　Cooperate with the contact person to sign an accident insurance policy (500-800 US dollars) with AIA Insurance.

　　Please go to the designated branch with the policy to open an account and deposit 10,000 Hong Kong dollars to activate the account upon immediate opening.

　　Management fee, limit, and transfer fee:

　　Management fee: 65 Hong Kong dollars per month if the account deposit does not meet 10,000 Hong Kong dollars

　　Transfer fees: Free locally, about 200-300 for other transfers

　　Cycle:

　　Account opened on the same day

　　Note:

　　Macau face signing

　　Bank of the Bridge Limited is a fully licensed commercial bank registered in Macau. Bank of the Bridge is committed to becoming a bridge for customers to success, serving individuals and enterprises. Macau Bank of the Bridge is the same as Hong Kong banks, with no foreign exchange control and free flow of funds. With many and dense branches, convenient services, and low interest rates.

　　Go through Macau, physically apply for a Macau bank card. Bank of the Bridge can be said to have a low threshold and convenient processing. You can get the card in as little as 30 minutes. Opening an account is relatively simple, and you can get the account on the same day. If you are in a hurry, you can choose to open an account through Macau.

　　Documents required for opening an account:

　　1. ID card

　　2. Hong Kong and Macau Pass

　　Processing time and process:

　　1. Prepare all the documents and submit them to the bank

　　2. Make an appointment to arrange the specific processing time and branch

　　3. Go to the designated branch at the agreed time to open an account, deposit 10,000 Hong Kong dollars to activate the account (fixed deposit for one year)

　　Management fee, limit, and transfer fee:

　　Management fee: None

　　Transfer fees: Free locally, about 200-300 for other transfers

　　Cycle:

　　Account opened on the same day

　　Note:

　　Macau face signing

　　Swissquote Bank is a listed bank in Switzerland, the leading online bank in Switzerland, and one of the few in China to open accounts with brokers under strict control (accounts of Swissquote Bank are all opened in Switzerland under the control of FINMA). Each account enjoys a 100,000 Swiss francs protection plan, with high capital security.

　　The threshold for opening an account is relatively low, and an account can be activated with a deposit of 3000 US dollars.

　　Documents required for opening an account:

　　1. ID card

　　Processing time and process:

　　1. Sign the paper authorization document

　　2. Record a video for authorization

　　3. Receive the account after the review is approved

　　Management fee, limit, and transfer fee:

　　Management fee: No management fee for maintaining active transactions in the account

　　Transfer limit: Unlimited

　　Transfer fees: 10 US dollars per transfer, excluding the fees of intermediary banks

　　Cycle:

　　3-5 working days

　　Note:

　　Activation amount: 3000 US dollars

　　Nu Bank was born in 2013, with the mission to address complexity through innovative financial services, thereby enhancing people’s daily empowerment. It is one of the major financial platforms, serving over 70 million customers in Brazil, Mexico, and Colombia. In the leadership position, we use proprietary technology and innovative practices to create new solutions and financial experiences for individuals and small and medium-sized enterprises. What we provide is simple, intuitive, convenient, low-cost, empowering, and user-friendly. We are always guided by our mission, committed to increasing financial opportunities in Latin America.

　　Account opening requirements:

　　You do not need to undergo credit analysis, just directly open your account in the application. It’s quick and requires no additional procedures. The restrictions are: being over 18 years old, a resident of Brazil, meeting the federal income standards, and owning a smartphone that is compatible with Android (version 4.4 or higher) or iOS (version 10 or higher). Even those who have not been approved for a Nubank credit card can get an account. We just do a land analysis.

　　Vast Bank is a family-owned business with a history of 39 years, headquartered in Tulsa, Oklahoma, and has been providing comprehensive financial services to customers since 1982. The bank will provide immediate settlement for the buyers and sellers of these tokens. This makes Vast Bank one of the banks in the United States that has obtained federal authorization to allow customers to trade and custody lottery and How to find it, which is a major milestone. Its customers can now directly buy, sell, and custody eight types of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, Cardano,星际文件系统,Orchid, Bitcoin, and Algorand, from FDIC-insured bank checking accounts.

　　Account opening requirements:

　　We will ask you to provide some information for contact and verification of your identity.

　　This includes your name, email address, date of birth, social security number (or tax number), phone number, and address.

　　STAR Financial Group, Inc. is the parent company of STAR Financial Bank, a community bank based in Indiana known for providing quality service, personalized banking solutions, and innovative technology. In addition, Star Wealth Management also provides authorized professional services in financial planning, trust, and asset management. The assets of Star Financial Group have grown to 3.11 billion US dollars, with 36 branches in central and northeastern Indiana.

　　Account opening requirements:

　　You can open an account now without going to the bank.

　　STAR has been committed to developing new ways to simplify banking services, and we are delighted to provide online registration services. You can open an account at any time, day or night, on your computer. The process is quick, simple, and secure, and can be completed in just 10 minutes.

　　To make this process faster and simpler, please prepare the following information:

　　Social Security number

　　Valid US driver’s license

　　Information for funding your new account – you will need one of the following: checkbook, STAR account, account of another financial institution, debit card, or credit card.

　　Commonwealth Bank is a leading integrated financial services provider in Australia, one of Australia’s major banks, and one of the top four banks in Australia, with headquarters in Sydney. In 1991, the Commonwealth Bank of Australia was listed on the Australian Securities Exchange, becoming a public company, and then the bank carried out three stages of privatization and completed it in 1997. It is an international financial services company, and the group holds and manages total assets of approximately 428.7 billion US dollars.

　　Account opening requirements:

　　Individual merchant

　　An Australian private company (private limited company)

　　Self-managed Super Fund (SMSF)

　　Your account will be set up with any signature, which means any director you choose can operate it. You can change it at the branch.

　　If you are new to CommBank, you will also need an ID card

　　At least one of these things is at hand:

　　Australian driver’s license

　　Birth certificate

　　Passport

　　As a savings bank, we are different from most credit institutions. We are different from banks whose business models are entirely for profit. Since our establishment about 200 years ago, our mission has been to enable people to participate in social economic and social activities.

　　520 companies, 16,500 companies, and nearly 300,000 employees – these are the keys to the success of the savings bank financial group in providing high-quality services. It is also important that the savings bank and its associated partners are geographically dispersed.

　　Unlike some private banks, the savings bank has to pay the legally prescribed taxes every year, with 40% of the taxes paid by financial institutions. In addition to the national bank, public legal financial institutions account for 50% of the advertising tax. They also help to sustainably strengthen the prosperity of the German people and businesses, and improve the quality of life.

　　Account opening requirements:

　　In principle, any adult can have a fixed residence in Germany and can open a checking account with valid identification documents. Minors and children must obtain parental consent to open an account.

　　Depending on the monthly cash inflow and its credit rating, please set up a savings account (overdue account overdraft) for your s-giro account after opening.

　　You can open an account in a savings bank branch in person, or directly online on a computer, tablet, or smartphone. In any case, you will need a valid ID card or passport.

　　Towerbank, a ‘cryptocurrency-friendly’ bank in Latin America, with more than 200 employees and one of the top 30 financial institutions in Panama, is taking action to become part of the cryptocurrency community and to meet their needs as much as possible. At the blockchain conference held in Panama City, attendees were told that cryptocurrency enthusiasts could meet their needs, such as the ability to send/receive funds from cryptocurrency exchanges.

　　Account opening requirements:

　　Requirements for legal entities:

　　Complete the bank forms

　　A copy of the identification documents of the signatories, directors, staff, agents, and representatives

　　A copy of the company’s articles of association and its corresponding amendments

　　A copy of the public registration certificate

　　Secretary certification

　　Share certificate

　　Established on February 27, 1902, in London, Israel’s National Bank was initially an Anglo-American Palestinian company. The bank was responsible for promoting industry, construction, agriculture, and infrastructure development.

　　Today, Israel’s National Bank is one of the largest asset banks in Israel, with 13,500 employees and subsidiaries in 20 countries. The initial fundraising was 395,000 pounds. The President and CEO of Israel’s National Bank is Rakefet Russak Aminoach. In the fiscal year 2011, the bank’s revenue was 7.75 billion new shekels, net income was 1.891 billion new shekels, total assets were 365.854 billion new shekels, and total equity was 23.628 billion new shekels.

　　Account opening requirements:

　　Account opening steps:

　　Fill in personal information

　　Prepare and upload valid documents

　　Get to know a banker in a video call

　　Firstly, before starting, please check if you have the following scanned copies or photos:

　　ID

　　Another certificate passport/driving license

　　Confirm account/check

　　For example, signature

　　Union Bank is one of the banks that use technological innovation to enhance customers’ confidence in the future capabilities of the banking industry. It is committed to providing continuous innovation momentum for the future of the banking industry through digital transformation, better meeting the ever-growing needs of Filipinos around the world, while also innovating and working to create a better world.

　　Union Bank has always emphasized that digital transformation is not a ‘lipstick approach’ that only wraps a layer of bright colors, but needs to be deep-seated, from infrastructure, organizational structure, business model to the services and experiences provided to customers, and to transform gradually. In the digital age, the data center infrastructure that carries the core data and production systems of the enterprise is the starting point of business innovation. Union Bank has also taken the lead in digital transformation in the data center field, building the next-generation data center architecture, especially promoting the transformation of data center networks, providing more agile, reliable networks and higher quality service for matching future innovative businesses.

　　Account opening requirements:

　　Chapter I: Sole Proprietorship

　　DTI certificate or registration

　　License (optional)

　　Company logo (optional)

　　Chapter II: Partnership

　　Partnership articles

　　Notarized secretarial certificate

　　Certificates and/or resolutions of partners

　　Notarized general information form

　　Company logo (optional)

　　Chapter III: Company

　　Company articles of association

　　Notarized secretarial certificate

　　Board resolution and/or secretarial certificate

　　New general information form

　　Company logo (optional)

　　Advantages of Hong Kong accounts, one of the global free economies and one of the four major financial centers, with developed finance, sound laws, and open and free business environment. Close to the mainland, it is a must-consulted bank account location for mainland account openings.

　　Large stock and bond market, can invest in Hong Kong and US stocks. Hong Kong has unique FPS and edda quick transfer methods, with no handling fees for both depositing and withdrawing Hong Kong funds. Convenient to use, most bank apps and domestic applications have similar operations, making it simple to use.

　　Advantages of Singapore accounts, Singapore is an independent country and one of the four major financial centers, with its own independent financial system, affected less by domestic policies.

　　Cryptocurrency, a rare country in the world that is relatively friendly to cryptocurrencies, has established a strong legal system and encourages the development of the cryptocurrency ecosystem.

　　The difficulty of opening accounts in the two regions, due to the international anti-money laundering policies in recent years, banks in Hong Kong have tightened their account opening policies, making the KYC due diligence for account holders more strict, and even many inactive accounts opened in the past have been closed successively. The account usage scenarios require more rigor. To avoid triggering bank risk control and being restricted in the use of the account, Singapore benefits from an independent financial system and more open and inclusive policies. Currently, the account opening policy is relatively loose, and basically, a passport can be used to apply. Some banks require proof of employment or address proof. In terms of the difficulty of opening accounts, Singapore has a greater advantage. As an independent country, Singapore has stronger account security and privacy.

　　To open an account in the Hong Kong region, a passport or a Hong Kong and Macau Pass is acceptable

　　To open an account in Singapore, you need a passport

　　To open an account in the United States, you need a passport

　　To open an account in Macau, you need to sign in person in Macau

　　Banks in the United States that can open accounts with just an ID card include East West Bank and Swiss Credit Suisse

　　Cross-regional transfers require more recipient information, many people do not know how to obtain recipient information, usually the password letter has recipient account information, today also sorted out some commonly used overseas account remittance paths, remittances to overseas bank accounts generally require the following information:

　　Recipient’s Name: (Same as passport or Hong Kong and Macau Pass)

　　Recipient’s Account Number: (Combined account or corresponding foreign currency account)

　　Bank Name (Bank Name):

　　Bank Address (Bank Address):

　　SWIFT CODE (Remittance Code):

　　Bank Code (Bank Code):

　　Recipient’s Address: (Can be filled with bank address, or fill in the communication address reserved for the bank account, it is recommended to use the translated address directly)

　　Hong Kong HSBC Bank

　　Bank Name (Bank Name): HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED

　　Bank Address (Bank Address): 1 Queen’s Road, Central, Hong Kong

　　SWIFT CODE (Remittance Code)

　　HSBCHKHHHKH

　　Bank Code (Bank Code): 004

　　Hong Kong Chartered Bank

　　Bank Name (Bank Name): Standard Chartered Bank (Hong Kong) Limited

　　Bank Address (Bank Address): Standard Chartered Tower, Floor 15, 388 Kwun Tong Road, Kwun Tong

　　SWIFT CODE (Remittance Code): SCBLHKHH

　　Bank Code (Bank Code): 003

　　Hong Kong Citic Bank

　　Bank Name (Bank Name): CHINA CITIC BANK INTERNATIONAL LIMITED

　　Bank Address (Bank Address): 61-65 DES VOEUX ROAD, CENTRA

　　SWIFT CODE (Remittance Code): KWHKHKHH (if required to be 11 digits, then KWHKHKHHXX) Bank Code (Bank Code): 018

　　DBS Bank of Hong Kong

　　Bank Name (Bank Name)∶DBS Bank (Hong Kong) Limited

　　Bank Address (Bank Address)∶G/F, Central Centre, 99 Queen’s Road Central, Central SWIFT CODE (Remittance Code)∶DHBKHKHH

　　Bank Code (Bank Code)∶016

　　Overseas Chinese Permanent Bank of Hong Kong

　　Bank Name (Bank Name)∶Wing Hang Bank Limited

　　Bank Address (Bank Address)∶161 Queen’s Road Central, Hong Kong

　　SWIFT CODE (Remittance Code)∶WIHBHKHH

　　Bank Code (Bank Code)∶035

　　United Overseas Bank of Singapore

　　Bank Name (Bank Name)∶United Overseas Ltd

　　Bank Address (Bank Address)∶80 Raffles Place UOB Plaza 1 Singapore 048624 SWIFT CODE (Remittance Code)∶UOVBSGSG

　　Bank Code (Bank Code)∶7375

　　Overseas Chinese Bank of Singapore

　　Bank Name (Bank Name)∶OCBC Bank

　　Bank Address (Bank Address)∶65 Chulia Street, OCBC Centre, Singapore 049513

　　SWIFT CODE (Remittance Code)∶OCBCSGSG

　　Bank Code (Bank Code)∶7339

　　Citibank of Singapore

　　Bank Name (Bank Name)∶Citibank Singapore Led

　　Bank Address (Bank Address)∶8 Marina View #21-00 Asia Square Tower 1, Singapore 018960

　　SWIFT CODE (Remittance Code)∶CITISGSGGCB

　　Bank Code (Bank Code)∶9214-011

　　East West Bank of America

　　Bank Name (Bank Name)∶East West Bank

　　Bank Address (Bank Address)∶9300 Flair Dr., 4th Floor EI Monte, CA 91731

　　SWIFT CODE (Remittance Code)∶EWBKUS66XXX

　　Bank Code (Bank Code)∶322070381