Richart

Taishin Richart Digital Account台新 Richart 数字账户

Taiwan, China 数字银行 Online or in-branch Residents only ★ 4.3

Minimum depositDigital accounts usually have no minimum opening amount (Taishin physical accounts require NT$1,000)

Monthly feeNo maintenance fee

Minimum balanceNo minimum balance requirement; preferential rates follow programme thresholds

How to apply—

Processing timeAbout 10 min to apply online; review takes about 1 business 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

The three online-only banks (LINE Bank, NEXT Bank, Rakuten) do not accept foreigners
Requires a valid ARC and no existing TWD account at Taishin
Verifying via another bank caps transfers low (TWD 10k per transfer)

Upload ID images via the website or app, then verify using an account at another bank, a natural-person certificate, or at the counter

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

Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

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.