China Construction Bank is one of China's big four state banks, strong in infrastructure and mortgage finance, with a comprehensive mobile app. Account opening is in person; foreign passports are accepted.
Apply in person at a branch; branches are concentrated in cities. Foreign applicants: see the notes below.
CCB branches accept foreign passports: bring a passport + valid Chinese visa or residence permit (most branches want 3+ months remaining; tourist visas may be declined) + a mainland real-name mobile number. Prefer an urban flagship branch; branches near universities are experienced with students.
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, and some branches ask for a small activation deposit.
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.