RelatedMacao, ChinaZero Min DepositOnline OnlyFast Approval

Ant Bank (Macao)蚂蚁银行（澳门）

Macao, China 数字银行 Fully online Non-residents OK ★ 4.4
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Minimum depositNo opening threshold, no minimum deposit requirement
Monthly feeNo maintenance fee, no annual fee
Minimum balanceNo minimum balance
How to apply—
Processing timeAbout 5 min to submit in the app; review is usually completed the same day
Institution typeDigital Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • No opening threshold, no maintenance fee, no minimum deposit
  • Holds MOP/HKD/USD; MOP transfers back to mainland Alipay free and instantly
  • HK and US equities can be linked inside the same app
  • Bank-side fees on cross-border transfers are commonly waived

Things to note

  • You must be physically in Macao — no remote opening
  • No teller counters, only self-service points and online support
  • Promotions and securities terms change by campaign period

Documents required

  • Mainland ID card
  • Two-way Permit with valid Macao endorsement
  • Entry/exit record PDF
  • Real-name mobile number
  • Being in Macao on a local network

After arriving in Macao, apply in the app over a local network and submit the entry/exit record PDF from Alipay's 「Immigration 12367」 service

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineNon-ResidentDigital BankFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

Other accounts in this region

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