Opening Bank of China HK Account Guide | Generated by AI
Opening a Bank of China (Hong Kong) Account as a Mainland Chinese Citizen
As a Mainland Chinese citizen with a valid Exit-Entry Permit for Travelling to and from Hong Kong and Macao (EEP, also known as the “endorsement”), you can open a BOC HK account while physically in Hong Kong. This is possible either via the BOCHK Mobile App (remote, app-based) or in-person at a branch. The mobile option is convenient if you meet the eligibility criteria and have a compatible device. Both methods comply with Hong Kong’s regulatory requirements for customer due diligence (CDD).
Key notes:
- You must be at least 18 years old.
- You need to be a new customer (no existing BOC HK savings or current account).
- Accounts typically include an HKD Savings Account, Multi-Currency Savings Account, debit card (BOC Card), and access to mobile/internet banking.
- Initial transaction limits apply (e.g., HKD 10,000 daily for transfers); these increase after review.
- No monthly fees for basic integrated services, but other fees may apply for specific transactions.
- For investment or securities accounts, you must visit a branch in person.
Option 1: Mobile Account Opening (Recommended if Eligible)
This is available for Mainland visitors in Hong Kong and can be completed in about 10-15 minutes during service hours (Mon-Sat 9am-8pm, excluding holidays). If applied outside hours, processing happens the next working day.
Eligibility Check:
- Valid People’s Republic of China Resident Identity Card (PRCID) and EEP (both valid for at least 30 days from application date).
- Valid exit-entry record from the National Immigration Administration (issued within 7 days of application).
- Mainland China mobile number, residential/correspondence addresses in Mainland China, valid email, and Taxpayer Identification Number (TIN).
- Device: iOS 13+ or Android 8+ with front/back camera and gravity sensor.
Required Documents/Info:
- Photos of both sides of your PRCID and EEP (clear, no glare/damage).
- Mainland mobile for SMS OTP verification.
- Personal details: Nationality (Mainland China), addresses, email, TIN (and jurisdiction of residence if outside HK).
Steps:
- Download the BOCHK Mobile App from the App Store or Google Play.
- Open the app, select “Account Opening,” and enter your personal info (name, nationality, addresses, mobile, email, TIN, occupation, expected transactions/purpose).
- Create usernames/passwords for internet banking and ATM.
- Take clear photos of both sides of your PRCID and EEP.
- Complete liveness verification: Take a selfie and follow prompts (e.g., blink eyes) for AI identity check.
- Enter the OTP sent to your Mainland mobile.
- Submit the application. You’ll get an SMS/email confirmation if approved (immediate during hours).
- Deposit initial funds via branch, ATM, or FPS to activate. Your BOC Card will be mailed to your Mainland address (arrives in 4 working days; activate via app).
If rejected or incomplete, visit a branch to complete.
Option 2: In-Person at a Branch
This is straightforward if you prefer face-to-face or don’t qualify for mobile. No appointment needed, but check branch hours (generally Mon-Fri 9am-5pm, Sat 9am-1pm).
Required Documents:
- Original PRCID (photo-bearing) and valid EEP.
- For securities/investments: Address proof (e.g., recent bank statement or utility bill in your name, last 3 months).
- May need additional info: Employment details, income, account purpose, expected transactions, source of funds/wealth, family background (for private banking).
Steps:
- Visit any BOC HK branch (find locations via app or website: over 60 branches island-wide).
- Inform staff you want to open a personal account as a Mainland visitor.
- Submit originals for verification and fill out forms.
- Undergo CDD (may take 15-30 minutes; provide any extra info requested).
- Get approval on-site or notification soon after. Deposit to activate.
- For queries: Call hotline (852) 3988 2388.
Tips:
- Arrive early to avoid queues; bring all docs in original form.
- If planning frequent cross-border use, mention it—BOC HK integrates well with Mainland BOC services.
- Update any info changes promptly via app or branch.
- Tourist visas/EEPs allow this, but ensure your EEP covers your stay.
FAQ for BOCHK Mobile Account Opening
Account Opening Process and Required Documents
How to Open a Bank Account in Hong Kong - A Quick Guide [2025]