ICBC is the world's largest bank by assets, with branches and ATMs across urban and rural China and strong FX and corporate services. Account opening is in person; passport-based opening is supported.
Apply in person at a branch; book an appointment online to shorten the wait. Foreign applicants: see the notes below.
ICBC supports passport-based account opening with mature multilingual service and online appointment booking, and runs China's largest branch network. Bring a passport + valid visa or residence permit (most branches want 3+ months remaining) + a mainland real-name mobile number; some branches also ask for address or employment proof. Book an appointment at an urban branch and avoid month-end peaks.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Conditionally. Foreigners holding a valid Chinese visa or residence permit can open an account in branch; tourist visas are usually declined, and fully remote opening from abroad is not possible.
No minimum deposit; some branches ask for a small cash deposit of roughly ¥10–100 to activate the account.
Residents: mainland ID card + real-name mobile number. Foreigners: passport + valid visa or residence permit + mainland real-name mobile number; some branches also ask for address or employment proof.
In person at a branch, about 30 minutes with the card issued on the spot; booking ahead shortens the queue a lot.
Incomplete or non-compliant documents; inability to explain the account purpose or source of funds; identity or address requirements unmet; too little remaining visa validity.
Standing benefits: No Monthly Fee, No Min Deposit. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.