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Bank Account Opening in Xiamen

Bank Account Opening in Xiamen is far less complicated today than it was a decade ago. Today, banks in Xiamen welcome foreign nationals and make the process of opening a bank account quick and simple. The documentation you must submit is not much different from what you would need in any other country, and the process is usually instantaneous.

Bank Account Opening in Xiamen - Instructions for Xiamen Bank Account Opening
Visit the Banks in Person or Log on to the Websites
It is critical that you ask the banks you are considering how many branches they have near you, which of them have ATM machines and what kinds of account fees they charge. The biggest banks with the most extensive branch network in China are: Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank. While the data may be available online, you are likely to obtain more up-to-date information by visiting a nearby branch personally.

Present Your Documentation As a foreigner, all you need to open an account in Xiamen is a valid passport with a current visa. Some may require a resident's permit, although foreigners will usually not need these. If you have such a permit, bring it with you.

Fund Your Account
You can fund your account with cash or a wire transfer from an international bank account. Since most banks will only allow you to open a Yuan denominated bank account, you will have to exchange any foreign currency you may have into Yuan. The bank's exchange rates may not be the most favorable, so you may get a better rate by completing this step at an exchange office before you arrive at the bank.

Arrange to Pick Up your Banking Card and Deposit Booklet
If the bank is unable to present you with an ATM card on the spot, make arrangements to pick it up or have it delivered to you. Keep in mind that fraud and theft are still a problem in certain parts of Xiamen. Therefore, it may be best to pick up any important documentation yourself.

Bank Account Opening in Xiamen - Proper Documentation for Xiamen Bank Account Opening
There is not much needed paperwork wise. The only thing that you will need to bring with you when you open up a bank account is your passport. This is essential and you will not be able to open up a bank account in Xiamen without your passport. You should not need any other documents besides your passport nut just bring another form of identification with you just in case. There should be no reason for you to leave your passport or any other identification documentation at the bank for an extended period of time.

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