Open a Business Bank Account

Let Sino-Australian Accounting help you open a business bank account.

Comprehensive solutions, tailored to your needs, so you can have peace of mind!

No hidden fees / Top-notch support services / 30-day satisfaction guarantee

Why is it necessary to open a business bank account?

Legal Requirements and Business Necessities

✅ Legal Mandate：

  • According to the Companies Ordinance, Chapter 622, Hong Kong limited companies must open separate bank accounts to strictly separate company assets from shareholders' assets.

  • 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)

  • Recommended Banks：（HSBC）、（BOCHK）、（Standard Chartered）

  • Advantages:Multi-Currency Account、International Business Support、Higher Deposit Protection

  • DisadvantagesLong Approval Time (3-8 Weeks)、Strict Document Requirements

✅ Virtual BankSuitable for Startups, SMEs, and Freelancers

  • Recommended Banks：ZA Bank、livi、Mox Bank

  • AdvantagesFully Online Application、Activation in as Fast as 24 Hours、No Minimum Deposit Required

  • DisadvantagesNot Suitable for Large Amounts of Capital(Certain Industries Restricted (e.g., Cryptocurrency)

Prepare Account Opening Documents

📌Essential Documents

  • Company Registration Documents

    • Certificate of Incorporation (CI)

    • Business Registration Certificate (BR)

    • Articles of Association

  • Director and Shareholder Information

    • Copy of Identity Card/Passport (Notarization required for non-Hong Kong residents)

    • Proof of Address for the Last 3 Months (Utility Bill/Bank Statement)

📌 Supplementary Industry Documents

Industry Additional Documents Required Example
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

  1. Appointment for In-Person Interview(Director must be present at the branch)

  2. Submit Documents + Business Plan (required by some banks)

  3. Approval Time: 4-6 weeks (HSBC/Standard Chartered are slower, Bank of China takes about 3-4 weeks)

  4. After Successful Account Opening: Deposit Minimum Amount (HKD 10,000-100,000)

🔄 Virtual Bank Process

  1. Online Application(Complete eKYC verification using the mobile app)

  2. Upload Documents(Company Registration Certificate, Director's ID)

  3. Approval Time: 24 hours - 3 days (ZhongAn fastest in 8 hours)

  4. 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：

  • Annual KYC Update(The bank may require the latest financial statements)

  • 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
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
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

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Which bank should I choose to open an account?

Industry-Specific Solutions

  • Cryptocurrency Company → DBS in Singapore / SEBA in Switzerland (99% of banks in Hong Kong refuse to open accounts)

  • International Trader →HSBC Global Wallet + DBS Multi-Currency Account

  • Social Enterprise Organization → Bank of China Social Enterprise Account (No Minimum Deposit Required)

Five Major Reasons for Account Opening Failure

  1. "Insufficient Business Authenticity" Accounts for 68%

    • Critical Error: Only Providing Website Screenshots, No Actual Contracts/Invoices

    • Solution: Sign 3 Letters of Intent (LOI)

  2. Industry Sensitivity" Accounts for 52%

    • High-Risk Labels: Cryptocurrency, Gambling Intermediaries, Adult Products

    • Key to Breaking the Deadlock: Switch to Offshore Accounts in Singapore/Macau

  3. KYC Questioning Errors" Accounts for 47%

    • 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)

  4. Document Discrepancies Account for 35%

    • Typical Scenario: Company Registration Address vs. Bank Interview Address Mismatch

    • Remedial Measure: Rent Business Secretary Services (Monthly Fee Starting from HKD 300)

  5. Director Background Risk Accounts for 28%

    • Red Flag: Shareholders Involved with Sanctioned Countries/Regions

    • Ultimate Solution: Replace Directors or Set Up SPV for Isolation

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：

  • 身份驗證（如護照、住址證明）

  • 業務背景審查（公司架構、資金來源）

  • 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

  • 身份證明：身份證/護照

  • 住址證明：水電費單、銀行結單（3個月內）

  • 職業及收入：薪資單、公司註冊資料

(2) 公司背景審查

  • Company Registration Documents：CI、BR、公司章程

  • 實益擁有人（持股≥10%的股東）

  • 業務性質：提供合同、發票、網站等證明

(3) 資金來源審查

  • 初始存款來源（如股東貸款、投資款）

  • 業務收入證明（如近期交易記錄）

  • 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
「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：

  • 「資金是朋友借的」（需正式貸款協議）

  • 「公司未開始營運」（銀行可能拒批）

KYC 失敗的 3 大主因

  1. 文件不齊全（如未提供實益擁有人資料）

  2. 行業敏感（如虛擬貨幣、成人娛樂）

  3. 資金來源不明（大額存款無法解釋）

💡 解決方案：

  • 提前準備完整文件

  • 敏感行業可考慮新加坡/離岸銀行

  • 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

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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：

  • 無營運記錄：需提供股東背景、商業計劃書

  • Virtual Bank（如ZA Bank、livi）較易接受新公司

  • Traditional Bank（如滙豐、中銀）可能要求3-6個月業務證明

解決方案：

  • 提供客戶意向書（LOI）或供應商報價單

  • 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？

  • Traditional Bank：必須董事親身到分行（滙豐/渣打嚴格執行）

  • Virtual Bank：全線上完成（手機eKYC認證即可）

  • 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：

  • 「股東注資」（附《股東貸款協議》）

  • 「業務收入」（提供近期發票）

  • 「公司註冊資本」（顯示銀行流水）

🚫 禁忌回答：

  • 「朋友借款」

  • 「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：

  • 租用 共享辦公室（如WeWork、The Executive Centre）

  • 使用 商務秘書服務（月費HKD 300起，提供註冊地址）

  • 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：

  1. 索取銀行拒因信（書面說明）

  2. 補交文件（如業務合同、股東資金證明）

  3. 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？

  • Traditional Bank：HKD 10,000–100,000（滙豐/渣打較高）

  • Virtual Bank：0存款（如ZA Bank、livi）

  • 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
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：

  1. 新加坡銀行（如DBS、OCBC）— 需實體業務

  2. 瑞士銀行（如SEBA、Sygnum）— 專注加密領域

  3. 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：

  • 主流外幣：USD、EUR、CNY、JPY

  • Virtual Bank：ZA Bank支持11種貨幣

  • 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？

  • Annual KYC Update：銀行可能要求最新財務報表

  • Reporting of Large Transactions：單筆超過HKD 500,000需解釋用途

  • 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？

  1. 銀行關係網絡：

    • 直通18家銀行客戶經理（滙豐/渣打優先審批通道）

    • 虛擬銀行API對接系統（自動化遞交申請）

  2. 風控實戰工具：

    • KYC模擬面試題庫（加密貨幣交易處置）

    • 業務真實性包裝模板（LOI/形式發票自動生成器）

  3. 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 ✓ ✗

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