This page compares 5 accounts available in Ecuador, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 0 can be opened fully online, 0 explicitly accept non-residents, 3 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 |
|---|---|---|---|---|---|---|---|
| Banco Pichincha | Ecuador | Traditional Bank | 无开户存款，仅借记卡一次性工本费 US$5.15 | 储蓄户约 US$1.10/月，达标可免 | Remote or in person | Conditional | ★ 4.1 |
| be Produbanco | Ecuador | Digital Bank | 数字账户无最低开户存款 | 数字账户低费率 | Remote or in person | Conditional | ★ 4 |
| Banco Bolivariano | Ecuador | Traditional Bank | 线上储蓄账户开户无需初始存款 | 基础账户免费 | Remote or in person | Conditional | ★ 3.9 |
| Banco Guayaquil | Ecuador | Traditional Bank | 标准储蓄账户常见 US$200 起（约 ¥1,440）；另有零费率基础账户可选 | 基础账户可零月费 | Must visit | Conditional | ★ 3.9 |
| Banco del Pacífico | Ecuador | Traditional Bank | Cuenta Básica 无最低余额要求 | 基础账户无月费 | Must visit | Conditional | ★ 3.7 |
None of the 5 accounts on this page is open to non-residents without conditions, but 5 accept foreigners who meet extra requirements (Banco Pichincha, be Produbanco, Banco Bolivariano) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
In most cases yes. None of the accounts on this page is fully online — expect a branch visit or a scheduled interview, or use a provider that supports remote onboarding.
Minimums vary widely — see the "Minimum deposit" column. 3 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.