This page compares 13 accounts available in Mainland China, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 4 can be opened fully online, 0 explicitly accept non-residents, 13 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| WeBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.5 |
| MYbank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| China CITIC Bank | Mainland China | Traditional Bank | 无最低存款要求 | 免账户管理费 | Must visit | Conditional | ★ 4.1 |
| 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 |
| XWBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| China Merchants Bank | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.9 |
| Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.7 |
| Agricultural Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.7 |
| ICBC | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| China Construction Bank | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| Bank of Communications | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| Postal Savings Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 小额账户管理费减免多 | Must visit | Conditional | ★ 3.6 |
| Shanghai Pudong Development Bank | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.5 |
None of the 13 accounts on this page is open to non-residents without conditions, but 9 accept foreigners who meet extra requirements (China Merchants Bank, ICBC, China Construction Bank) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
Not necessarily. 4 of the 13 accounts can be opened fully online (Aixin Bank, WeBank, MYbank), with no branch visit; the remaining 9 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 13 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.