Fully online means you never need to visit a branch or book an interview — from application to activation. The usual flow is: submit details in-app or on the web, upload ID, complete face or video verification, wait for review, then get approved. What actually determines approval is whether your ID documents are accepted and whether you qualify as a resident or lawful resident for tax purposes — not the channel itself. Note that some accounts marked online may still ask for extra documents or switch to in-person if automated identity checks fail, so prepare everything upfront.
Data verified: 2026-10-09 · Compiled from published bank terms
| Account | Place | Type | Initial deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Wise | Multi-currency | 多币种账户 | 无最低存款要求 | 仅按使用付费，无月费 | Online | Non-residents OK | ★ 4.6 |
| Starling Bank | United Kingdom | Digital Bank | 无最低开户存款要求 | 零月费（日常使用无费用） | Online | Not for non-residents | ★ 4.5 |
| Toss Bank | South Korea | Digital Bank | 无最低存款要求 | 零管理费（转账与 ATM 长期免手续费） | Online | Conditional | ★ 4.5 |
| Rakuten Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.5 |
| WeBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.5 |
| Monzo | United Kingdom | Digital Bank | 无最低存款要求 | 基础账户零管理费（Plus/Premium 订阅另计） | Online | Not for non-residents | ★ 4.5 |
| Trust Bank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Mercury | United States | Digital Bank | 无最低存款要求 | 免月费 | Online | Conditional | ★ 4.4 |
| Ant Bank (Macao) | Macao, China | Digital Bank | 无开户门槛、无最低存款要求 | 免账户管理费、免年费 | Online | Non-residents OK | ★ 4.4 |
| K Bank | South Korea | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Sony Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Qonto | France | Digital Bank | 无最低存款要求 | 按套餐月费（无免费档） | Online | Conditional | ★ 4.4 |
| ZA Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Chime | United States | Digital Bank | 无最低开户存款要求 | 零月费、零管理费 | Online | Not for non-residents | ★ 4.3 |
| Up (Bendigo Bank) | Australia | Digital Bank | 无首存要求 | 免月费 | Online | Not for non-residents | ★ 4.3 |
| Revolut | Multi-currency | 多币种账户 | 无最低存款要求 | 基础版免月费，进阶版付费 | Online | Conditional | ★ 4.3 |
| Airwallex | Multi-currency | 多币种账户 | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.3 |
| Revolut Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.3 |
| Revolut Bank UAB | Lithuania | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.3 |
| Nequi | Colombia | Digital Bank | 无开户最低存款 | 免月费 | Online | Conditional | ★ 4.3 |
| Nu Colombia | Colombia | Digital Bank | 开户 COP 0 | 终身免月费 | Online | Conditional | ★ 4.3 |
| Simple (Attijariwafa Bank) | Morocco | Digital Bank | Go 档 0 MAD/月，无入门费，App 内刷身份证 + 自拍即可开户 | Go 档 0 MAD/月；Plus 19、Prime 59、Metal 159 MAD/月 | Online | Not for non-residents | ★ 4.3 |
| PayPay Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.3 |
| SBI Sumishin Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费（按等级给 ATM/转账免费次数） | Online | Conditional | ★ 4.3 |
| LINE Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Jenius (BTPN) | Indonesia | Digital Bank | 开户最低约 Rp 500,000–1,000,000（视活动与账户类型） | 零月费（部分功能与服务收费） | Online | Conditional | ★ 4.3 |
| Bank Jago | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账免费次数有限额） | Online | Conditional | ★ 4.3 |
| Chase UK | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Boursorama Bank | France | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| SoFi | United States | Digital Bank | 无最低存款要求（可 0 开） | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| EQ Bank | Canada | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Mox Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Airstar Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| WeLab Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| GXS Bank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| MariBank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| Aspire (Singapore) | Singapore | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.2 |
| Tangerine Bank | Canada | Digital Bank | 无首存要求 | 免月费 | Online | Not for non-residents | ★ 4.2 |
| Revolut France | France | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.2 |
| Payoneer | Multi-currency | 多币种账户 | 无最低存款要求 | 无月费，按收款与提现计费 | Online | Non-residents OK | ★ 4.2 |
| WorldFirst | Multi-currency | 多币种账户 | 无最低存款要求 | 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Greece | Greece | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Malta | Malta | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Luxembourg | Luxembourg | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Finland | Finland | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Poland | Poland | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Hungary | Hungary | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Liv by Emirates NBD | United Arab Emirates | Digital Bank | 无首存要求 | 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Cyprus | Cyprus | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Nubank | Brazil | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.2 |
| Brubank | Argentina | Digital Bank | 无开户最低存款，One 方案月费 ARS 0 | One 方案月费 ARS 0（Plus/Ultra 另计） | Online | Conditional | ★ 4.2 |
| MACHBANK | Chile | Digital Bank | 无开户最低存款 | 基础账户免月费 | Online | Conditional | ★ 4.2 |
| ila Bank | Bahrain | Digital Bank | 无开户门槛、无月费、无最低工资转入要求 | BHD 0，无工资转入门槛 | Online | Not for non-residents | ★ 4.2 |
| au Jibun Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| MYbank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Rakuten Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| NEXT Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Tonik Digital Bank | Philippines | Digital Bank | 无最低开户存款 | 零管理费 | Online | Conditional | ★ 4.2 |
| SeaBank Indonesia | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账与提现免费额度较慷慨） | Online | Conditional | ★ 4.2 |
| Zopa | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| N26 | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费（部分套餐按月收费） | Online | Conditional | ★ 4.2 |
| Ally Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Wealthsimple Cash | Canada | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Ant Bank (Hong Kong) | Hong Kong, China | Virtual Bank | 无最低存款门槛 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Revolut New Zealand | New Zealand | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.1 |
| neon | Switzerland | Digital Bank | 无首存要求 | 免费版无月费 | Online | Not for non-residents | ★ 4.1 |
| Revolut Ireland | Ireland | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Non-residents OK | ★ 4.1 |
| KakaoBank | South Korea | Digital Bank | 无最低存款要求 | 免月费 | Online | Not for non-residents | ★ 4.1 |
| ING Italia | Italy | Digital Bank | 无首存要求 | 免月费（Conto Arancio 条件） | Online | Conditional | ★ 4.1 |
| N26 Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4.1 |
| Klarna Bank | Sweden | Digital Bank | 无首存要求 | 无月费 | Online | Conditional | ★ 4.1 |
| Wio Bank | United Arab Emirates | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4.1 |
| GXBank | Malaysia | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4.1 |
| TMRW by UOB | Thailand | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| Jenius | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| Maya Bank | Philippines | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| LHV Pank | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| Nu Mexico | Mexico | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| indó | Iceland | Digital Bank | 开户免费、无最低存款 | 免开户费，日常账户按实际服务计费 | Online | Not for non-residents | ★ 4.1 |
| Ualá | Argentina | Digital Bank | 开户与维护费均为 ARS 0 | 免月费 | Online | Conditional | ★ 4.1 |
| Tenpo | Chile | Digital Bank | 无开户最低存款 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| Kuda | Nigeria | Digital Bank | 零最低余额、无开户存款 | 免账户维护费 | Online | Conditional | ★ 4.1 |
| Prex Uruguay | Uruguay | Digital Bank | 申请、年费与维护费均为 0 | 免维护费 | Online | Conditional | ★ 4.1 |
| NCBA LOOP | Kenya | Digital Bank | 最低余额 KES 0，无开户存款 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| CFG Bank | Morocco | Digital Bank | 100% 线上开户，各档均为零月费 | 所有档位零月费 | Online | Conditional | ★ 4.1 |
| Meezan Bank (Roshan) | Pakistan | Traditional Bank | Roshan 数字账户零最低余额、零初始存款 | Roshan 账户免月费 | Online | Non-residents OK | ★ 4.1 |
| Absa Bank Ghana | Ghana | Traditional Bank | 外汇活期无最低余额，可在线申请 | 依账户档位而定 | Online | Non-residents OK | ★ 4.1 |
| GMO Aozora Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.1 |
| Minna Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Kroo | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| C24 Bank | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Not for non-residents | ★ 4.1 |
| Fortuneo | France | Digital Bank | 无最低存款要求 | 零管理费（满足条件） | Online | Not for non-residents | ★ 4.1 |
| Lunar | Denmark | Digital Bank | 无最低存款要求 | 基础零月费（Premium 订阅另计） | Online | Conditional | ★ 4.1 |
| Varo Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Fusion Bank | Hong Kong, China | Virtual Bank | 无最低存款要求（1 港元起存） | 零管理费 | Online | Not for non-residents | ★ 4 |
| Ping An OneConnect Bank (PAOB) | Hong Kong, China | Virtual Bank | 无最低存款结余要求 | 零管理费（个人储蓄账户免费） | Online | Not for non-residents | ★ 4 |
| Aixin Bank | Mainland China | Digital Bank | 无最低存款要求 | 免账户管理费 | Online | Not for non-residents | ★ 4 |
| bunq | Netherlands | Digital Bank | 无最低存款要求 | 约 0–3 欧/月 | Online | Conditional | ★ 4 |
| Yuh | Switzerland | Digital Bank | 无首存要求 | 基础版免月费 | Online | Not for non-residents | ★ 4 |
| Moey! | Portugal | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| N26 Austria | Austria | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4 |
| Lunar | Denmark | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4 |
| Nordnet Sweden | Sweden | Digital Bank | 无首存要求 | 基础版免月费（可选付费套餐） | Online | Conditional | ★ 4 |
| Sbanken | Norway | Digital Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 4 |
| Gránit Bank | Hungary | Digital Bank | 无首存要求 | 基础套餐免月费 | Online | Conditional | ★ 4 |
| Boost Bank | Malaysia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Bank Jago | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Timo by VPBank | Vietnam | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4 |
| Cake by VPBank | Vietnam | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4 |
| GoTyme Bank | Philippines | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Kotak 811 | India | Digital Bank | 无首存要求（零余额账户） | 免月费 | Online | Conditional | ★ 4 |
| Enpara.com | Türkiye | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| One Zero | Israel | Digital Bank | 无首存要求 | 免月费（有条件） | Online | Conditional | ★ 4 |
| stc pay | Saudi Arabia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| TymeBank | South Africa | Digital Bank | 无首存要求 | 免月费（基础版） | Online | Conditional | ★ 4 |
| GTBank (GTCO) | Nigeria | Traditional Bank | 美元账户 $50 起存 | 美元账户约 $10/月维护费 | Online | Conditional | ★ 4 |
| Bank of Georgia SOLO | Georgia | Traditional Bank | SOLO 贵宾档常见约 1 万美元起；标准个人账户无最低存款 | 贵宾档免远程银行服务费 | Online | Non-residents OK | ★ 4 |
| Absa Bank Kenya | Kenya | Traditional Bank | 多数账户无最低余额要求 | 基础数字账户常见免月费 | Online | Conditional | ★ 4 |
| Leobank | Azerbaijan | Digital Bank | App 内开户免费，无最低存款要求 | 卡片发放、配送与服务均免费 | Online | Not for non-residents | ★ 4 |
| Revolut Bank (Romania) | Romania | Digital Bank | 多币种账户 0 起，全程远程 | 基础档无月费 | Online | Non-residents OK | ★ 4 |
| Wise (available in Panama) | Panama | Digital Bank | 多币种账户 0 美元起，远程开通 | 无月费（按笔收汇换费） | Online | Non-residents OK | ★ 4 |
| XWBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| ANEXT Bank | Singapore | Digital Bank | 无最低存款要求（视企业情况） | 零月费（交易费另计） | Online | Conditional | ★ 4 |
| Boost Bank | Malaysia | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4 |
| Tomorrow | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Conditional | ★ 4 |
| Vivid | Germany | Digital Bank | 无最低存款要求 | 基础零月费（Prime 订阅另计） | Online | Conditional | ★ 4 |
| Openbank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4 |
| illimity | Italy | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| LHV Bank | Estonia | Digital Bank | 无最低存款要求 | 基础零月费 | Online | Conditional | ★ 4 |
| Axos Bank | United States | Digital Bank | 部分账户有最低起存（约 $50–$250） | 多数零月费（满足条件） | Online | Not for non-residents | ★ 4 |
| Banco Inter | Brazil | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| Lulo | Colombia | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| Livi Bank | Hong Kong, China | Virtual Bank | 无最低存款金额（liviSave） | 免开户费、零管理费 | Online | Not for non-residents | ★ 3.9 |
| bank99 | Austria | Digital Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| Bulder Bank | Norway | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 3.9 |
| SEB Estonia | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| Swedbank Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| ALAT by Wema | Nigeria | Digital Bank | 零最低余额开户 | 免账户维护费 | Online | Conditional | ★ 3.9 |
| ABC Banking Corporation | Mauritius | Traditional Bank | 初始存款 5,000 美元（约 ¥35,500），开户后一个月内存入 | 无月费；开户费 100 美元 | Online | Non-residents OK | ★ 3.9 |
| Yape | Peru | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Not for non-residents | ★ 3.9 |
| FriMi (Nations Trust Bank) | Sri Lanka | Digital Bank | App 内开户，无最低存款要求 | 数字账户免月费 | Online | Not for non-residents | ★ 3.9 |
| imaginBank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Hype | Italy | Digital Bank | 无最低存款要求 | 基础零月费（部分套餐收费） | Online | Not for non-residents | ★ 3.9 |
| Bank Norwegian | Norway | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 3.9 |
| Current | United States | Digital Bank | 无最低存款要求 | 基础零月费（部分功能订阅） | Online | Not for non-residents | ★ 3.9 |
| C6 Bank | Brazil | Digital Bank | 无最低存款要求 | 零管理费（部分卡种） | Online | Not for non-residents | ★ 3.9 |
| Nu Mexico | Mexico | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Nu Colombia | Colombia | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Ooredoo Money | Qatar | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 3.8 |
| Luminor Estonia | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| SEB Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| SEB Lithuania | Lithuania | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| Swedbank Lithuania | Lithuania | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| Scotiabank Uruguay | Uruguay | Traditional Bank | 数字渠道开户无最低存款要求 | 按套餐，满足条件可减免 | Online | Not for non-residents | ★ 3.8 |
| Paysera | Lithuania | Digital Bank | 无最低存款要求 | 账户零月费（交易/卡有费） | Online | Non-residents OK | ★ 3.8 |
| Holvi | Finland | Digital Bank | 无最低存款要求 | 按月订阅（无免费档） | Online | Conditional | ★ 3.8 |
| Ualá | Argentina | Digital Bank | 无最低存款要求 | 账户零月费（卡有年费） | Online | Not for non-residents | ★ 3.8 |
| Luminor Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.7 |
| Wing (Cambodia) | Cambodia | Digital Bank | 注册即开通，无最低存款 | 基础账户免月费 | Online | Conditional | ★ 3.7 |
| Telda | Egypt | Digital Bank | 下载 App 即可开户，无最低存款要求 | 账户与卡免月费 | Online | Not for non-residents | ★ 3.7 |
| Tigo Money Paraguay | Paraguay | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Non-residents OK | ★ 3.6 |
| BBVA | Spain | Traditional Bank | 无首存要求 | 线上账户免月费 | Online | Conditional | ★ 3.5 |
| Wave Money | Myanmar | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Not for non-residents | ★ 3.5 |
Under the standard flow, no. But if automated identity verification fails or extra review is triggered, the bank may require a video interview or mailed documents, and in rare cases an in-person visit. Check the "How to apply" column on each row.
It depends on the account, not the channel. Some digital banks accept mainland ID and address proof remotely; others require local residency or a tax number. Use the non-resident filter or check that column — online does not imply open to everyone.
Digital banks usually approve automatically within minutes to one business day. Traditional banks that require manual review take 3–5 business days, sometimes up to two weeks. See the processing time column per row.
Three usual causes: blurry or glare-affected ID photos, address proof older than the usual three-month limit, and occupation or source-of-funds that do not match. You can normally reapply, but repeated submissions in a short window trigger risk controls.
Most digital banks issue a virtual card by default; a physical card is a separate, sometimes paid request. Traditional banks usually mail a physical card. If you rely on ATM cash withdrawal, prefer a traditional bank.