Agricultural Bank of China中国农业银行

Mainland China 传统银行 In-branch required Permit holders ★ 3.7
Minimum depositNo minimum deposit
Monthly feeGenerally no small-account fee
Minimum balanceStandard card, no min balance
How to apply—
Processing time~30 min (in branch)
Institution typeTraditional Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Agricultural Bank of China is one of the big four state banks, with the deepest county and township network in the country, steady deposit and settlement services and full FX settlement capability. Account opening is in person; foreign passports are accepted.

Advantages

  • The deepest county and township branch network
  • Steady deposit products with many small-account fee waivers
  • Full FX settlement capability

Things to note

  • Strict questioning during the card-crackdown campaign
  • Mobile app experience is rated average
  • Foreign-applicant service concentrated in urban branches

Documents required

  • Mainland ID card
  • Real-name mobile number
  • Account-purpose statement (some branches)

Apply in person at a branch; the widest county-township network. Foreign applicants: see the notes below.

Notes for foreign applicants

ABC branches accept foreign passports with a valid Chinese visa or residence permit (most branches want 3+ months remaining; tourist visas may be declined) plus a mainland real-name mobile number. County and township branches rarely handle foreign applicants — go to an urban sub-branch.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Can non-residents open an account with Agricultural Bank of China?

Conditionally. Foreigners holding a valid Chinese visa or residence permit can open an account at urban branches; tourist visas are usually declined, and fully remote opening from abroad is not possible.

How much money do I need to open a Agricultural Bank of China account?

No minimum deposit; account opening is free, and some branches ask for a small activation deposit.

What documents are required for a Agricultural Bank of China account?

Residents: mainland ID card + real-name mobile number. Foreigners: passport + valid visa or residence permit + mainland real-name mobile number.

How long does Agricultural Bank of China account opening take, and must I visit a branch?

In person at a branch, about 30 minutes with the card issued on the spot.

Why might a Agricultural Bank of China application be rejected?

Incomplete or non-compliant documents; inability to explain the account purpose or source of funds; identity or address requirements unmet; too little remaining visa validity.

Does Agricultural Bank of China have any opening offers or new-account rewards?

Standing benefits: No Monthly Fee, No Min Deposit. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.