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Services · Business accounts

Business accounts: China

An honest assessment before work starts, the quote is fixed in writing.

We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, so no one can guarantee an opening - careful preparation simply improves the odds.

We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.

Fees

ServicePrice
Corporate account - opening assistanceon request

Prices are indicative and cover our work on a typical case. We confirm the exact quote in writing after a short call - you know the final number before we start. Government fees and bank tariffs are billed separately unless explicitly included.

See also

Company formation · Personal account · Investment property

FAQ

Can a foreign company open a bank account in China?
A Chinese bank account is normally opened for a local entity such as a WFOE or a joint venture, and less often for a representative office. A foreign company with no Chinese registration will find a corporate account very hard to get. The process starts only after the business licence and company chops are issued.
Does someone have to visit the bank in person?
Yes. The legal representative usually has to appear at the branch with a passport and original documents, and banks often send staff to inspect the company's office. Remote corporate onboarding is not a thing in China. Bring an interpreter if your Mandarin is limited.
Which accounts does a company need and how is foreign currency handled?
Typically a basic RMB account, plus foreign currency and capital accounts registered with the FX regulator SAFE for cross-border activity. Currency movement is controlled: every outbound payment needs a contract, an invoice and tax paperwork. Without that file the transfer simply will not go through.
How long does it take and what usually goes wrong?
Once the company exists, opening the accounts usually takes a few weeks, and setting up cross-border capability takes longer. The friction points are the office inspection, Chinese-language documentation and banks being cautious about owners from sensitive jurisdictions. One bank saying no does not close the door at the next.

Don’t want to figure this out alone?

We handle the whole process end to end: we assess your company's chances with specific banks, prepare the compliance file and give you honest timelines. Leave your details and a corporate banking expert will get back to you. The first consultation is free.

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