Bank of Communications is one of China's oldest banks, traditionally strong in FX and offshore finance, with branches across major cities. Account opening is in person; foreign passports are accepted.
Apply in person at a branch; prefer flagship branches in tier-1 cities. Foreign applicants: see the notes below.
BoComm accepts foreign passports with a valid Chinese visa or residence permit plus a mainland real-name mobile number, but branch experiences vary a lot: small branches may decline foreign customers. Head to a flagship branch in a tier-1 city and call ahead to confirm.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Conditionally. Foreigners holding a valid Chinese visa or residence permit can open an account in branch; tourist visas are usually declined, and fully remote opening from abroad is not possible.
No minimum deposit; account opening is free.
Residents: mainland ID card + real-name mobile number. Foreigners: passport + valid visa or residence permit + mainland real-name mobile number.
In person at a branch, about 30 minutes with the card issued on the spot.
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.
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).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.