先用筛选把范围缩小到 3–5 个候选，再勾选并排比较细节。不要一上来就逐家看，那样一定会有遗漏。
| 银行 / 账户 | 地区 | 类型 | 开户门槛↕ | 办理方式 | 非居民 | 办理时长 | 申请 | 综合评分↕ |
|---|
This comparison covers 514 accounts across 101 regions on the same 13 fields, so a digital bank in one country can be put next to a traditional bank in another. Start by filtering down to three to five candidates — going through all 514 one by one will make you miss something. The fields that actually decide an application are the initial deposit, whether the account can be opened online, and whether non-residents are accepted.
Initial deposit, monthly fee, application channel and non-resident eligibility. Those four decide whether you can open the account at all; everything else only matters after you have one.
Banks run several tiers under one brand — a basic tier with no minimum deposit and a premium tier with one. The rows here are accounts, not banks.
No. Approval depends on identity, residence and source of funds. A zero-deposit account can still reject you, and a high-threshold one is not harder to get into.
Three to five. Beyond that the differences stop being decision-relevant and you end up comparing noise.