Let Sino-Australian Accounting help you open a business bank account.
Open a Business Bank Account
Why is it necessary to open a business bank account?
Legal Requirements and Business Necessities
✅ Legal Mandate:
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According to the Companies Ordinance, Chapter 622, Hong Kong limited companies must open separate bank accounts to strictly separate company assets from shareholders' assets.
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During a tax authority audit, transactions in personal accounts may be regarded as "shareholder loans" and subject to profits tax.
✅ Business Operational Requirements:
Application Scenarios | Personal Account Risks | Advantages of Company Accounts |
---|---|---|
Collecting Payments from Customers | Large Deposits Trigger Bank Review | Clear and Compliant Business Transaction Records |
Paying Supplier Expenses | Unable to Issue Company Header Checks | Able to Issue Commercial Bills of Exchange/Letters of Credit |
Applying for Government Grants | Does Not Meet the Requirements of "Business Substance | Essential Requirements for BUD Special Fund |
Attracting Investment | Reduce Investor Confidence | Demonstrate a Professional Governance Structure |
Company Bank Account Opening Process
1. Choose the Right Bank
✅ Traditional Bank(Suitable for Medium to Large Enterprises and Trading Companies)
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Recommended Banks:(HSBC)、(BOCHK)、(Standard Chartered)
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Advantages:Multi-Currency Account、International Business Support、Higher Deposit Protection
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DisadvantagesLong Approval Time (3-8 Weeks)、Strict Document Requirements
✅ Virtual BankSuitable for Startups, SMEs, and Freelancers
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Recommended Banks:ZA Bank、livi、Mox Bank
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AdvantagesFully Online Application、Activation in as Fast as 24 Hours、No Minimum Deposit Required
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DisadvantagesNot Suitable for Large Amounts of Capital(Certain Industries Restricted (e.g., Cryptocurrency)
Prepare Account Opening Documents
📌Essential Documents
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Company Registration Documents
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Certificate of Incorporation (CI)
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Business Registration Certificate (BR)
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Articles of Association
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Director and Shareholder Information
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Copy of Identity Card/Passport (Notarization required for non-Hong Kong residents)
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Proof of Address for the Last 3 Months (Utility Bill/Bank Statement)
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📌 Supplementary Industry Documents
Industry | Additional Documents Required | Example |
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Trading Company | Purchase Contract、Packing List | Last 3 Transaction Records |
Tech Startup | Investment Agreement、Patent Certificate | Angel Round Term Sheet |
Offshore Company | Certificate of Incumbency | Employment Certificate Issued by the Registered Agent |
3. Submit Application & Bank Review
🔄Traditional Banking Process
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Appointment for In-Person Interview(Director must be present at the branch)
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Submit Documents + Business Plan (required by some banks)
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Approval Time: 4-6 weeks (HSBC/Standard Chartered are slower, Bank of China takes about 3-4 weeks)
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After Successful Account Opening: Deposit Minimum Amount (HKD 10,000-100,000)
🔄 Virtual Bank Process
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Online Application(Complete eKYC verification using the mobile app)
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Upload Documents(Company Registration Certificate, Director's ID)
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Approval Time: 24 hours - 3 days (ZhongAn fastest in 8 hours)
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After Successful Account Opening: No minimum deposit required, activated instantly
4. Successful Account Opening & Ongoing Management
Activate Account: Deposit the minimum amount (traditional banks require HKD 10,000+)
Set Up Online Banking: Activate Business Online Banking (e.g., HSBC Business Internet Banking)
Compliance Maintenance:
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Annual KYC Update(The bank may require the latest financial statements)
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Reporting of Large Transactions(Transactions over HKD 500,000 require an explanation of the purpose)
Bank Account Opening Fees and Timeframe
Traditional Commercial Bank
Bank Name | Account Opening Days | Minimum Deposit | Search Fee | Monthly Fee | Startup Capital |
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HSBC | 4-6 Weeks | HKD 50,000 | HKD 420 | HKD 200-800 | HKD 10,000 |
Bank of China (Hong Kong) | 3-4 Weeks | HKD 10,000 | HKD 300 | HKD 100-500 | HKD 5,000 |
Standard Chartered Bank | 4-5 Weeks | HKD 100,000 | HKD 450 | HKD 300-1,000 | HKD 20,000 |
Hang Seng Bank | 3-5 Weeks | HKD 20,000 | HKD 350 | HKD 150-600 | HKD 8,000 |
"Note: The search fee includes a company registry inquiry (HKD 295) and the bank's internal review fee."
Virtual Bank
Bank Name | Account Opening Days | Minimum Deposit | Search Fee | Monthly Fee | Technical Limitations |
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ZA Bank | 24-48 Hours | 0 | 0 | 0 | Requires Android 9.0+ |
livi | 1-3 Days | 0 | 0 | 0 | Face Recognition Matching |
Mox Bank | 2-4 Days | 0 | 0 | 0 | Requires a Hong Kong Mobile Number |
Which bank should I choose to open an account?

Industry-Specific Solutions
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Cryptocurrency Company → DBS in Singapore / SEBA in Switzerland (99% of banks in Hong Kong refuse to open accounts)
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International Trader →HSBC Global Wallet + DBS Multi-Currency Account
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Social Enterprise Organization → Bank of China Social Enterprise Account (No Minimum Deposit Required)
Five Major Reasons for Account Opening Failure
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"Insufficient Business Authenticity" Accounts for 68%
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Critical Error: Only Providing Website Screenshots, No Actual Contracts/Invoices
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Solution: Sign 3 Letters of Intent (LOI)
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Industry Sensitivity" Accounts for 52%
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High-Risk Labels: Cryptocurrency, Gambling Intermediaries, Adult Products
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Key to Breaking the Deadlock: Switch to Offshore Accounts in Singapore/Macau
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KYC Questioning Errors" Accounts for 47%
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High-Frequency Critical Issues:
Why are there several large cash deposits?" (Correct Answer: Shareholder Loans, with Agreement)
What is your relationship with this client?" (Correct Answer: Provide Service Contract Number)
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Document Discrepancies Account for 35%
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Typical Scenario: Company Registration Address vs. Bank Interview Address Mismatch
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Remedial Measure: Rent Business Secretary Services (Monthly Fee Starting from HKD 300)
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Director Background Risk Accounts for 28%
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Red Flag: Shareholders Involved with Sanctioned Countries/Regions
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Ultimate Solution: Replace Directors or Set Up SPV for Isolation
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Source: HKMA 2023 Annual Report
What is KYC?
KYC(Know Your Customer,認識你的客戶)是銀行、金融機構及企業用於 驗證客戶身份 和 評估風險 的法定程序,主要目的是:
✅ 防止洗錢(AML)
✅ 打擊恐怖融資(CFT)
✅ 避免金融詐騙
香港 KYC 的法定要求
根據 《打擊洗錢及恐怖分子資金籌集條例》(AMLO),所有香港銀行必須對客戶進行:
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身份驗證(如護照、住址證明)
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業務背景審查(公司架構、資金來源)
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持續監控(定期更新客戶資料)
KYC 常見審查內容
(1) 個人身份驗證
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身份證明:身份證/護照
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住址證明:水電費單、銀行結單(3個月內)
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職業及收入:薪資單、公司註冊資料
(2) 公司背景審查
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Company Registration Documents:CI、BR、公司章程
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實益擁有人(持股≥10%的股東)
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業務性質:提供合同、發票、網站等證明
(3) 資金來源審查
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初始存款來源(如股東貸款、投資款)
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業務收入證明(如近期交易記錄)
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高風險行業額外審查(如加密貨幣、賭博)
銀行 KYC 常見問題(附應對技巧)
問題類型 | 銀行真正想問的 | 最佳回答方式 |
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「公司主要業務?」 | 是否涉及高風險行業? | 提供具體行業+合同/發票佐證(如「電子產品出口,這是上月採購單」) |
「資金來源?」 | 是否涉及洗錢? | 明確說明「股東注資」(附《股東協議》)或「業務收入」(附發票) |
「有無實際辦公室?」 | 是否空殼公司? | 提供共享空間租約或商務秘書地址 |
🚫 錯誤的回答:
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「資金是朋友借的」(需正式貸款協議)
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「公司未開始營運」(銀行可能拒批)
KYC 失敗的 3 大主因
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文件不齊全(如未提供實益擁有人資料)
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行業敏感(如虛擬貨幣、成人娛樂)
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資金來源不明(大額存款無法解釋)
💡 解決方案:
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提前準備完整文件
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敏感行業可考慮新加坡/離岸銀行
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使用 Sino-Aus KYC 預審服務 降低拒批風險
虛擬銀行 vs 傳統銀行 KYC 差異
項目 | 虛擬銀行(如 ZA、livi) | 傳統銀行(如 滙豐、中銀) |
---|---|---|
驗證方式 | 手機 eKYC(人臉識別) | 分行面簽 + 文件公證 |
Approval Time | 24小時-3天 | 3-8週 |
靈活度 | 接受新創公司 | 偏好營運 1 年以上的企業 |
如何快速通過 KYC?
✅ 文件齊全:CI、BR、董事身份證、住址證明
✅ 業務真實性:提供 3 個月內的合同/發票
✅ 資金透明:股東注資需附協議,避免現金存款
香港公司銀行開戶常見問題
1. 新成立公司可以開戶嗎?
✅ 可以! 但需注意:
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無營運記錄:需提供股東背景、商業計劃書
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Virtual Bank(如ZA Bank、livi)較易接受新公司
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Traditional Bank(如滙豐、中銀)可能要求3-6個月業務證明
解決方案:
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提供客戶意向書(LOI)或供應商報價單
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選擇虛擬銀行或中小企友好銀行(如東亞、工銀亞洲)
2. 開公司戶口需要親身到銀行嗎?
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Traditional Bank:必須董事親身到分行(滙豐/渣打嚴格執行)
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Virtual Bank:全線上完成(手機eKYC認證即可)
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例外情況:部分外資銀行(如DBS)可視頻面簽
3. 銀行問「資金來源」應該怎樣回答?
✅ 合規回答範例:
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「股東注資」(附《股東貸款協議》)
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「業務收入」(提供近期發票)
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「公司註冊資本」(顯示銀行流水)
🚫 禁忌回答:
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「朋友借款」
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「現金存款」(需證明現金來源)
4. 無實體辦公室可以開戶嗎?
✅ 可以! 替代方案:
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租用 共享辦公室(如WeWork、The Executive Centre)
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使用 商務秘書服務(月費HKD 300起,提供註冊地址)
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Virtual Bank(如眾安ZA、Mox)不要求實體地址
5. 開戶被拒後可以再申請嗎?
✅ 可以!但需先解決拒批原因:
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索取銀行拒因信(書面說明)
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補交文件(如業務合同、股東資金證明)
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轉換銀行(傳統→虛擬,或換分行申請)
常見拒批原因:
❌ 文件不齊全(如缺失BR或公司章程)
❌ 行業敏感(加密貨幣、賭博等)
❌ 資金來源不明(大額存款無合理解釋)
6. 公司戶口有最低存款要求嗎?
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Traditional Bank:HKD 10,000–100,000(滙豐/渣打較高)
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Virtual Bank:0存款(如ZA Bank、livi)
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Foreign Banks:USD 10,000起(如DBS、花旗)
💡 提示:部分銀行會收取「低結餘費」(如月費HKD 200)
7. 開戶需時多久?
銀行類型 | 開戶時間 | Remarks |
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Virtual Bank | 24小時–3天 | 眾安ZA最快8小時 |
Traditional Bank | 3–8週 | 滙豐/渣打較慢 |
Foreign Banks | 2–4週 | 新加坡DBS可遠程辦理 |
8. 加密貨幣公司可以開戶嗎?
⚠️ 難度極高! 香港99%銀行拒批,替代方案:
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新加坡銀行(如DBS、OCBC)— 需實體業務
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瑞士銀行(如SEBA、Sygnum)— 專注加密領域
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離岸賬戶(如BVI公司+新加坡銀行)
9. 公司戶口可以收外幣嗎?
✅ 可以! 香港銀行普遍支持多幣種賬戶:
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主流外幣:USD、EUR、CNY、JPY
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Virtual Bank:ZA Bank支持11種貨幣
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兌換匯率:傳統銀行點差較高(0.2%-0.5%)
10. 開戶後要注意什麼?
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Annual KYC Update:銀行可能要求最新財務報表
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Reporting of Large Transactions:單筆超過HKD 500,000需解釋用途
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避免長期不動戶:6個月無交易可能被凍結
為什麼選擇Sino-Aus幫你開戶?
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銀行關係網絡:
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直通18家銀行客戶經理(滙豐/渣打優先審批通道)
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虛擬銀行API對接系統(自動化遞交申請)
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風控實戰工具:
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KYC模擬面試題庫(加密貨幣交易處置)
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業務真實性包裝模板(LOI/形式發票自動生成器)
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後續合規護航:
服務模塊 Traditional Bank Virtual Bank 大額交易解釋信 ✓ ✗ CRS申報 ✓ ✓ 年度KYC更新預警 ✓ ✗