交通银行外国人开户(交通银行在国外有分行吗)

外国人如何在中国开设个人银行帐户？收好这份指南，轻松开户不是事儿。

How to open a bank account in China? Whether youre a foreigner who is on a travel visa or somebody who is living in China on a residence permit, opening a bank account in China has many benefits. Heres a quick guide to help you open a China bank account.

Step 1: Proper Preparation

Preparation can be broken down into two simple categories: choosing your bank and gathering the appropriate documents.

Which China Bank Should I Choose? As I mentioned earlier, the most important factor to consider when choosing your bank is convenience. Bank of China is the largest in China, but I dont keep most of my funds there because there isnt a branch or ATM anywhere near me.

Also, your account is tied to the specific branch in which you open it. So if you need to change your PIN, report a stolen card or something of this sort youll need to go back to that exact branch. Another reason to pick one near you.

What Documents Do I Need? Believe it or not, the only thing you need to bring with you to the bank when opening a new account is a passport. They may ask you for a small deposit of 10-20 RMB and some banks might make you pay for the card they give you, so bring about 40 RMB as a precaution.

Image: LinkedIn

Step 2: Opening the Account at the Bank

Once youve picked the bank and put your passport and cash in your pocket, set aside an hour or two and head over to the nearest bank branch.

If you have a local friend that can accompany you it might speed up the process, but its not necessary. You should be able to do this by yourself if youre adventurous enough.

The first place you need to stop is the information desk to speak with the staff and get a wait number. Tell them that you are opening a new account and often they can help you fill out the form.

Say: “我想开一个银行账户” – Wǒ xiǎng kāi yīgè yínháng zhànghù ("I would like to open a new account")

Sometimes the form they give you has English as well, but unless youre confident can write your address and information in Chinese characters, let the staff do the work. Theyll also likely go make a copy of your passport and visa that youll need later.

When youre number is called, provide them with your passport and the form. Theyll have you sign a few other documents, tell you how much money is required for deposit and hand a new UnionPay Bank Card.

At some point during the process a small keypad next to you will light up and scream at you to input a password. All China bank passwords are 6 digits long and youll probably have to input it a few times while youre there.

Thats it! Keep the paperwork they give you and enjoy your new UnionPay debit card!

Some major Chinese banks Image: Look for Teachers

Step 3: Using Your China Bank Account