RelatedMulti-currencyZero Min DepositOnline OnlyFast Approval

WiseWise

Multi-currency 多币种账户 Fully online Non-residents OK ★ 4.6
Open account ↗
Minimum depositNo minimum deposit
Monthly feePay per use only, no monthly fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline 10 min - 1 day
Institution typeMulti-currency Account
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • 40+ currencies at near mid-market rates
  • Local receiving accounts (USD/GBP/EUR/NZD etc.)
  • Mainland users can register, fully online

Things to note

  • Not a bank, no deposit insurance
  • Cannot hold RMB balance directly
  • Large transfers need source-of-funds proof

Documents required

  • Passport or ID card
  • Face verification
  • Proof of address (some cases)

Fully online, done in minutes; just a passport/ID card plus a phone number

Opening offers & benefits

Standing benefits

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

No Monthly FeeNo Min DepositFully OnlineNon-ResidentMulti-CurrencyFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

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.

Other accounts in this region

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Guides mentioning this bank

Open a Bank Account Fully Online — No Branch Visit→ Bank Accounts Non-Residents Can Open (2026 List)→ Multi-Currency Accounts Compared: Wise, Revolut, Paysera→ Cheapest Way to Send Money Abroad: SWIFT vs Wise vs Banks→ CRS and FATCA: What You Should Know About Reporting Overseas Accounts→
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