RelatedMulti-currencyZero Min DepositOnline OnlyFast Approval

PayoneerPayoneer

Multi-currency 多币种账户 Fully online Non-residents OK ★ 4.2
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Minimum depositNo minimum deposit
Monthly feeNo monthly fee; charged per collection and withdrawal
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline 1-3 business days (review)
Institution typeMulti-currency Account
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • Standard for cross-border e-commerce and freelancers
  • Receive directly from Amazon/Upwork etc.
  • High success rate for mainland users

Things to note

  • Mainly for receiving, not savings
  • Higher fees than Wise
  • Idle accounts may be charged

Documents required

  • Business license (company) or ID card (personal)
  • Identity verification
  • Business description

Fully online, done in minutes; real-name verification plus a description of the receiving business or platform required

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-Resident
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

Wise ★ 4.6 Revolut ★ 4.3 Airwallex ★ 4.3 WorldFirst ★ 4.2
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