This page compares 5 accounts available in Macao, China, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 1 can be opened fully online, 4 explicitly accept non-residents, 2 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 |
|---|---|---|---|---|---|---|---|
| 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 |
| Bank of China Macau | Macao, China | Traditional Bank | 定存 1 万港币 + 500 美元保险（5 年期） | 免账户管理费、免查册费 | Must visit | Non-residents OK | ★ 4.3 |
| Tai Fung Bank | Macao, China | Traditional Bank | 普通账户最低 1 万澳门元 | 免账户管理费 | Must visit | Non-residents OK | ★ 4 |
| Luso International Banking | Macao, China | Traditional Bank | 定存 1 万港币（三个月可取） | 免账户管理费 | Must visit | Non-residents OK | ★ 4 |
| ICBC Macao | Macao, China | Traditional Bank | 经内地工行见证可零金额开户 | 基础账户常见免月费，理财金按等级 | Remote or in person | Conditional | ★ 3.9 |
4 of the 5 accounts on this page explicitly accept non-residents (Bank of China Macau, Tai Fung Bank, Luso International Banking). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 1 of the 5 accounts can be opened fully online (Ant Bank (Macao)), with no branch visit; the remaining 4 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. 2 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.