The cost of holding an account is not just the monthly fee. A fee-free account may still charge for FX, cross-border transfers, ATM withdrawals or card replacement; conversely an account with a monthly fee can be cheaper overall for frequent cross-border users if it offers better exchange rates. The right way to judge cost is to list your actual annual activity — how many inbound payments, how many conversions, how many cash withdrawals — and total it up against each fee schedule. This page includes accounts where at least one tier carries no monthly maintenance fee; premium tiers may still be charged.
Data verified: 2026-10-09 · Compiled from published bank terms
| Account | Place | Type | Initial deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Wise | Multi-currency | 多币种账户 | 无最低存款要求 | 仅按使用付费，无月费 | Online | Non-residents OK | ★ 4.6 |
| Starling Bank | United Kingdom | Digital Bank | 无最低开户存款要求 | 零月费（日常使用无费用） | Online | Not for non-residents | ★ 4.5 |
| Toss Bank | South Korea | Digital Bank | 无最低存款要求 | 零管理费（转账与 ATM 长期免手续费） | Online | Conditional | ★ 4.5 |
| Rakuten Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.5 |
| WeBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.5 |
| Monzo | United Kingdom | Digital Bank | 无最低存款要求 | 基础账户零管理费（Plus/Premium 订阅另计） | Online | Not for non-residents | ★ 4.5 |
| Trust Bank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Mercury | United States | Digital Bank | 无最低存款要求 | 免月费 | Online | Conditional | ★ 4.4 |
| Ant Bank (Macao) | Macao, China | Digital Bank | 无开户门槛、无最低存款要求 | 免账户管理费、免年费 | Online | Non-residents OK | ★ 4.4 |
| K Bank | South Korea | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Sony Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| Qonto | France | Digital Bank | 无最低存款要求 | 按套餐月费（无免费档） | Online | Conditional | ★ 4.4 |
| HSBC Hong Kong | Hong Kong, China | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.3 |
| ZA Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Chime | United States | Digital Bank | 无最低开户存款要求 | 零月费、零管理费 | Online | Not for non-residents | ★ 4.3 |
| Up (Bendigo Bank) | Australia | Digital Bank | 无首存要求 | 免月费 | Online | Not for non-residents | ★ 4.3 |
| Revolut | Multi-currency | 多币种账户 | 无最低存款要求 | 基础版免月费，进阶版付费 | Online | Conditional | ★ 4.3 |
| Airwallex | Multi-currency | 多币种账户 | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.3 |
| Revolut Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.3 |
| Revolut Bank UAB | Lithuania | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.3 |
| TBC Bank | Georgia | Traditional Bank | 基本账户无最低存款要求 | 基本账户免费，或 2–5 美元/月 | Must visit | Non-residents OK | ★ 4.3 |
| Bank of China Macau | Macao, China | Traditional Bank | 定存 1 万港币 + 500 美元保险（5 年期） | 免账户管理费、免查册费 | Must visit | Non-residents OK | ★ 4.3 |
| BancoEstado | Chile | Traditional Bank | 无最低存款，免费开户 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.3 |
| MCB (Mauritius Commercial Bank) | Mauritius | Traditional Bank | MCB 无最低存款要求 | 基本账户免管理费 | Must visit | Non-residents OK | ★ 4.3 |
| Taishin Richart Digital Account | Taiwan, China | Digital Bank | 数位账户通常无最低开户金额（台新实体账户起存 NT$1,000） | 免账户管理费 | Remote or in person | Not for non-residents | ★ 4.3 |
| Nequi | Colombia | Digital Bank | 无开户最低存款 | 免月费 | Online | Conditional | ★ 4.3 |
| Nu Colombia | Colombia | Digital Bank | 开户 COP 0 | 终身免月费 | Online | Conditional | ★ 4.3 |
| PayPay Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.3 |
| SBI Sumishin Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费（按等级给 ATM/转账免费次数） | Online | Conditional | ★ 4.3 |
| LINE Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Jenius (BTPN) | Indonesia | Digital Bank | 开户最低约 Rp 500,000–1,000,000（视活动与账户类型） | 零月费（部分功能与服务收费） | Online | Conditional | ★ 4.3 |
| Bank Jago | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账免费次数有限额） | Online | Conditional | ★ 4.3 |
| Chase UK | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Boursorama Bank | France | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| SoFi | United States | Digital Bank | 无最低存款要求（可 0 开） | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| EQ Bank | Canada | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Hang Seng Bank | Hong Kong, China | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.2 |
| Mox Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Airstar Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| WeLab Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| GXS Bank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| MariBank | Singapore | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| Aspire (Singapore) | Singapore | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.2 |
| Tangerine Bank | Canada | Digital Bank | 无首存要求 | 免月费 | Online | Not for non-residents | ★ 4.2 |
| Revolut France | France | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Conditional | ★ 4.2 |
| Payoneer | Multi-currency | 多币种账户 | 无最低存款要求 | 无月费，按收款与提现计费 | Online | Non-residents OK | ★ 4.2 |
| WorldFirst | Multi-currency | 多币种账户 | 无最低存款要求 | 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Greece | Greece | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Malta | Malta | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Luxembourg | Luxembourg | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Finland | Finland | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Poland | Poland | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Hungary | Hungary | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Liv by Emirates NBD | United Arab Emirates | Digital Bank | 无首存要求 | 免月费 | Online | Non-residents OK | ★ 4.2 |
| Revolut Cyprus | Cyprus | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| Nubank | Brazil | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.2 |
| Bank of Georgia | Georgia | Traditional Bank | 基本账户无最低存款要求 | 基本账户免费，或 2–5 美元/月 | Must visit | Non-residents OK | ★ 4.2 |
| Cathay United Bank | Taiwan, China | Traditional Bank | 起存金 1,000 新台币 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.2 |
| Banco de Chile | Chile | Traditional Bank | Cuenta FAN 免费，无最低存款 | Cuenta FAN 免管理费 | Must visit | Non-residents OK | ★ 4.2 |
| Bancolombia | Colombia | Traditional Bank | 约 50–100 美元初始存款 | 储蓄账户通常免月费 | Must visit | Conditional | ★ 4.2 |
| BROU (Banco República Oriental del Uruguay) | Uruguay | Traditional Bank | 非居民需 ≥5,000 美元定期存款并冻结至少 181 天 | 基本账户月费低，常有减免 | Must visit | Non-residents OK | ★ 4.2 |
| BCP (Banco de Crédito del Perú) | Peru | Traditional Bank | 基础账户约 50 索尔起；部分数字账户 0 起存 | 达标即可免月费 | Must visit | Conditional | ★ 4.2 |
| KCB Bank Kenya | Kenya | Traditional Bank | 开户余额约 2,000 先令 | 维持 1,000 美元等值以上免 ledger 费 | Remote or in person | Non-residents OK | ★ 4.2 |
| MACHBANK | Chile | Digital Bank | 无开户最低存款 | 基础账户免月费 | Online | Conditional | ★ 4.2 |
| Ameriabank | Armenia | Traditional Bank | 无强制最低余额；非居民客户尽职调查费 20,000 AMD（约 ¥370） | 半年均流水达标则免管理费，否则约 1,000 AMD/半年 | Must visit | Conditional | ★ 4.2 |
| CIH Bank | Morocco | Traditional Bank | 线上开户无强制最低存款；外籍客户可通过邮寄方式远程开户 | 约 15–30 MAD/月，数字服务多免费 | Remote or in person | Non-residents OK | ★ 4.2 |
| Kaspi Bank | Kazakhstan | Digital Bank | 无首存要求；Kaspi Gold 分行现场约 60 秒出卡 | 基础卡免年费，部分 premium 服务另计 | Must visit | Non-residents OK | ★ 4.2 |
| au Jibun Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| MYbank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Rakuten Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| NEXT Bank Taiwan | Taiwan, China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Tonik Digital Bank | Philippines | Digital Bank | 无最低开户存款 | 零管理费 | Online | Conditional | ★ 4.2 |
| SeaBank Indonesia | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账与提现免费额度较慷慨） | Online | Conditional | ★ 4.2 |
| Zopa | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| N26 | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费（部分套餐按月收费） | Online | Conditional | ★ 4.2 |
| Ally Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Wealthsimple Cash | Canada | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Ant Bank (Hong Kong) | Hong Kong, China | Virtual Bank | 无最低存款门槛 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| China CITIC Bank | Mainland China | Traditional Bank | 无最低存款要求 | 免账户管理费 | Must visit | Conditional | ★ 4.1 |
| Scotiabank | Canada | Traditional Bank | 无首存要求 | 约 0–17 加元/月（可豁免） | Must visit | Conditional | ★ 4.1 |
| Revolut New Zealand | New Zealand | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.1 |
| neon | Switzerland | Digital Bank | 无首存要求 | 免费版无月费 | Online | Not for non-residents | ★ 4.1 |
| Revolut Ireland | Ireland | Digital Bank | 无最低存款要求 | 基础版免月费 | Online | Non-residents OK | ★ 4.1 |
| KakaoBank | South Korea | Digital Bank | 无最低存款要求 | 免月费 | Online | Not for non-residents | ★ 4.1 |
| ING Italia | Italy | Digital Bank | 无首存要求 | 免月费（Conto Arancio 条件） | Online | Conditional | ★ 4.1 |
| N26 Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4.1 |
| Klarna Bank | Sweden | Digital Bank | 无首存要求 | 无月费 | Online | Conditional | ★ 4.1 |
| Air Bank | Czechia | Digital Bank | 无首存要求 | 免月费（满足消费条件） | Remote or in person | Conditional | ★ 4.1 |
| Wio Bank | United Arab Emirates | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4.1 |
| GXBank | Malaysia | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4.1 |
| TMRW by UOB | Thailand | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| Jenius | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| Maya Bank | Philippines | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| LHV Pank | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| Nu Mexico | Mexico | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| E.SUN Bank | Taiwan, China | Traditional Bank | 起存金 1,000 新台币 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.1 |
| Banco de la Nación Argentina | Argentina | Traditional Bank | 移民账户免费，无最低存款 | 移民账户免管理费 | Must visit | Non-residents OK | ★ 4.1 |
| Banco Galicia | Argentina | Traditional Bank | 约 5 万比索（约 50 美元）起存 | 基本账户免管理费 | Must visit | Non-residents OK | ★ 4.1 |
| Davivienda | Colombia | Traditional Bank | 约 50–100 美元初始存款 | 储蓄账户通常免月费 | Must visit | Conditional | ★ 4.1 |
| SBM (State Bank of Mauritius) | Mauritius | Traditional Bank | 约 1,000 卢比起存 | 基本账户免管理费 | Must visit | Non-residents OK | ★ 4.1 |
| Ueno Bank | Paraguay | Digital Bank | 常见初始存款约 100 美元 | 基本账户免月费 | Remote or in person | Conditional | ★ 4.1 |
| indó | Iceland | Digital Bank | 开户免费、无最低存款 | 免开户费，日常账户按实际服务计费 | Online | Not for non-residents | ★ 4.1 |
| Ualá | Argentina | Digital Bank | 开户与维护费均为 ARS 0 | 免月费 | Online | Conditional | ★ 4.1 |
| Tenpo | Chile | Digital Bank | 无开户最低存款 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| Kuda | Nigeria | Digital Bank | 零最低余额、无开户存款 | 免账户维护费 | Online | Conditional | ★ 4.1 |
| Prex Uruguay | Uruguay | Digital Bank | 申请、年费与维护费均为 0 | 免维护费 | Online | Conditional | ★ 4.1 |
| NCBA LOOP | Kenya | Digital Bank | 最低余额 KES 0，无开户存款 | 基础账户免月费 | Online | Conditional | ★ 4.1 |
| Inecobank | Armenia | Traditional Bank | 无最低开户金额，也无最低账户余额要求 | 非居民账户维护通常免费 | Must visit | Conditional | ★ 4.1 |
| Birbank | Azerbaijan | Digital Bank | 数字渠道开户通常无最低存款 | 基础账户免费 | Remote or in person | Conditional | ★ 4.1 |
| OTP banka Croatia | Croatia | Traditional Bank | 标准往来账户无最低存款，开户费约 €0.99 | 标准账户月费几欧元；2026-01-01 起银行须提供免费基础服务包 | Must visit | Non-residents OK | ★ 4.1 |
| Erste Bank Croatia | Croatia | Traditional Bank | 往来账户通常无最低存款要求 | 月费几欧元，部分情形可免 | Remote or in person | Non-residents OK | ★ 4.1 |
| CFG Bank | Morocco | Digital Bank | 100% 线上开户，各档均为零月费 | 所有档位零月费 | Online | Conditional | ★ 4.1 |
| CIB Egypt | Egypt | Traditional Bank | Bedaya 账户无最低开户金额；外币储蓄户 1,000 美元等值起 | Bedaya 免费；其他账户按费率表 | Must visit | Conditional | ★ 4.1 |
| Banco Pichincha | Ecuador | Traditional Bank | 无开户存款，仅借记卡一次性工本费 US$5.15 | 储蓄户约 US$1.10/月，达标可免 | Remote or in person | Conditional | ★ 4.1 |
| Meezan Bank (Roshan) | Pakistan | Traditional Bank | Roshan 数字账户零最低余额、零初始存款 | Roshan 账户免月费 | Online | Non-residents OK | ★ 4.1 |
| GMO Aozora Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.1 |
| Minna Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Kroo | United Kingdom | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| C24 Bank | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Not for non-residents | ★ 4.1 |
| Fortuneo | France | Digital Bank | 无最低存款要求 | 零管理费（满足条件） | Online | Not for non-residents | ★ 4.1 |
| Lunar | Denmark | Digital Bank | 无最低存款要求 | 基础零月费（Premium 订阅另计） | Online | Conditional | ★ 4.1 |
| Varo Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Fusion Bank | Hong Kong, China | Virtual Bank | 无最低存款要求（1 港元起存） | 零管理费 | Online | Not for non-residents | ★ 4 |
| Ping An OneConnect Bank (PAOB) | Hong Kong, China | Virtual Bank | 无最低存款结余要求 | 零管理费（个人储蓄账户免费） | Online | Not for non-residents | ★ 4 |
| Aixin Bank | Mainland China | Digital Bank | 无最低存款要求 | 免账户管理费 | Online | Not for non-residents | ★ 4 |
| Yuh | Switzerland | Digital Bank | 无首存要求 | 基础版免月费 | Online | Not for non-residents | ★ 4 |
| Moey! | Portugal | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| ActivoBank | Portugal | Digital Bank | 无首存要求 | 免月费 | Remote or in person | Conditional | ★ 4 |
| Argenta | Belgium | Digital Bank | 无首存要求 | 基础账户免月费 | Remote or in person | Conditional | ★ 4 |
| N26 Austria | Austria | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4 |
| Lunar | Denmark | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4 |
| Nordnet Sweden | Sweden | Digital Bank | 无首存要求 | 基础版免月费（可选付费套餐） | Online | Conditional | ★ 4 |
| Sbanken | Norway | Digital Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 4 |
| Gránit Bank | Hungary | Digital Bank | 无首存要求 | 基础套餐免月费 | Online | Conditional | ★ 4 |
| Maybank | Malaysia | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 4 |
| Boost Bank | Malaysia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Bank Jago | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Timo by VPBank | Vietnam | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4 |
| Cake by VPBank | Vietnam | Digital Bank | 无首存要求 | 基础版免月费 | Online | Conditional | ★ 4 |
| GoTyme Bank | Philippines | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Kotak 811 | India | Digital Bank | 无首存要求（零余额账户） | 免月费 | Online | Conditional | ★ 4 |
| Enpara.com | Türkiye | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| One Zero | Israel | Digital Bank | 无首存要求 | 免月费（有条件） | Online | Conditional | ★ 4 |
| stc pay | Saudi Arabia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| TymeBank | South Africa | Digital Bank | 无首存要求 | 免月费（基础版） | Online | Conditional | ★ 4 |
| Taishin Bank | Taiwan, China | Traditional Bank | 起存金 1,000 新台币 | 免账户管理费 | Must visit | Non-residents OK | ★ 4 |
| Tai Fung Bank | Macao, China | Traditional Bank | 普通账户最低 1 万澳门元 | 免账户管理费 | Must visit | Non-residents OK | ★ 4 |
| Luso International Banking | Macao, China | Traditional Bank | 定存 1 万港币（三个月可取） | 免账户管理费 | Must visit | Non-residents OK | ★ 4 |
| Santander Río | Argentina | Traditional Bank | 普通账户约 5 万比索；非居民可能要求更高验资 | 视账户类型，基本账户免管理费 | Must visit | Non-residents OK | ★ 4 |
| Santander Chile | Chile | Traditional Bank | 少量首存约 1,000 比索 | 基本账户免月费，往来账户约 3–9 美元/月 | Must visit | Non-residents OK | ★ 4 |
| BBVA Colombia | Colombia | Traditional Bank | 约 50–100 美元初始存款 | 储蓄账户通常免月费 | Must visit | Conditional | ★ 4 |
| Absa Mauritius | Mauritius | Traditional Bank | 约 2,000 卢比起存 | 基本账户免管理费 | Must visit | Non-residents OK | ★ 4 |
| BIBD (Bank Islam Brunei Darussalam) | Brunei Darussalam | Traditional Bank | 阶梯储蓄户约 B$50 起；往来户需 B$1,000 | 基本账户免月费 | Must visit | Conditional | ★ 4 |
| Baiduri Bank | Brunei Darussalam | Traditional Bank | 常见起存约 B$1,000 | 基本账户免月费 | Must visit | Conditional | ★ 4 |
| Interbank Peru | Peru | Traditional Bank | 储蓄账户公开资料无最低起存要求 | 基础账户免月费 | Must visit | Conditional | ★ 4 |
| Chunghwa Post Savings | Taiwan, China | Traditional Bank | 法定起存新台币 10 元（约 ¥2），实务多存 100 元起 | 免账户管理费，跨行手续费低于民营银行 | Must visit | Not for non-residents | ★ 4 |
| Bank of Georgia SOLO | Georgia | Traditional Bank | SOLO 贵宾档常见约 1 万美元起；标准个人账户无最低存款 | 贵宾档免远程银行服务费 | Online | Non-residents OK | ★ 4 |
| Absa Bank Kenya | Kenya | Traditional Bank | 多数账户无最低余额要求 | 基础数字账户常见免月费 | Online | Conditional | ★ 4 |
| IDBank | Armenia | Digital Bank | 通过 IDBanking.am 或 Idram&IDBank App 开户免费，无最低存款 | 线上平台与 App 维护免费，非居民约 20,000 AMD/年 | Remote or in person | Conditional | ★ 4 |
| Leobank | Azerbaijan | Digital Bank | App 内开户免费，无最低存款要求 | 卡片发放、配送与服务均免费 | Online | Not for non-residents | ★ 4 |
| National Bank of Bahrain | Bahrain | Traditional Bank | 基础往来账户无最低余额要求；Al Mumayaz 储蓄户需 BD 2,000（约 ¥38,200） | 基础账户免费，高端档按费率表 | Must visit | Conditional | ★ 4 |
| Attijariwafa Bank | Morocco | Traditional Bank | 部分账户初始存款 MAD 1,000–5,000（约 ¥740–3,700） | 约 10–20 MAD/月，新 MRE 客户首年常免 | Must visit | Non-residents OK | ★ 4 |
| Halyk Bank | Kazakhstan | Traditional Bank | 基础账户无首存要求 | 基础服务免月费 | Must visit | Non-residents OK | ★ 4 |
| Standard Chartered Pakistan | Pakistan | Traditional Bank | 基础账户最低余额 Rs 0、初始 PKR 100 | 基础账户免月费 | Remote or in person | Non-residents OK | ★ 4 |
| Revolut Bank (Romania) | Romania | Digital Bank | 多币种账户 0 起，全程远程 | 基础档无月费 | Online | Non-residents OK | ★ 4 |
| Wise (available in Panama) | Panama | Digital Bank | 多币种账户 0 美元起，远程开通 | 无月费（按笔收汇换费） | Online | Non-residents OK | ★ 4 |
| XWBank | Mainland China | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| ANEXT Bank | Singapore | Digital Bank | 无最低存款要求（视企业情况） | 零月费（交易费另计） | Online | Conditional | ★ 4 |
| Boost Bank | Malaysia | Digital Bank | 无最低存款要求 | 零月费 | Online | Conditional | ★ 4 |
| Tomorrow | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Conditional | ★ 4 |
| Vivid | Germany | Digital Bank | 无最低存款要求 | 基础零月费（Prime 订阅另计） | Online | Conditional | ★ 4 |
| Openbank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4 |
| illimity | Italy | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| LHV Bank | Estonia | Digital Bank | 无最低存款要求 | 基础零月费 | Online | Conditional | ★ 4 |
| Axos Bank | United States | Digital Bank | 部分账户有最低起存（约 $50–$250） | 多数零月费（满足条件） | Online | Not for non-residents | ★ 4 |
| Banco Inter | Brazil | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| Lulo | Colombia | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4 |
| Livi Bank | Hong Kong, China | Virtual Bank | 无最低存款金额（liviSave） | 免开户费、零管理费 | Online | Not for non-residents | ★ 3.9 |
| China Merchants Bank | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.9 |
| Rabobank New Zealand | New Zealand | Traditional Bank | 无首存要求 | 免月费 | Remote or in person | Conditional | ★ 3.9 |
| MUFG Bank | Japan | Traditional Bank | 无首存要求（1 日元即可开户） | 免账户管理费 | Must visit | Conditional | ★ 3.9 |
| bank99 | Austria | Digital Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| Bulder Bank | Norway | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 3.9 |
| S-Pankki | Finland | Digital Bank | 无首存要求 | 会员账户免月费 | Remote or in person | Conditional | ★ 3.9 |
| CIMB Bank | Malaysia | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| Kasikorn Bank | Thailand | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| İşbank | Türkiye | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| Al Rajhi Bank | Saudi Arabia | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| Qatar National Bank | Qatar | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| SEB Estonia | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| Swedbank Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| BBVA México | Mexico | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| Itaú Unibanco | Brazil | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| BBVA Peru | Peru | Traditional Bank | 支票户约 200 索尔起存 | 达标可免月费 | Must visit | Conditional | ★ 3.9 |
| ICBC Macao | Macao, China | Traditional Bank | 经内地工行见证可零金额开户 | 基础账户常见免月费，理财金按等级 | Remote or in person | Conditional | ★ 3.9 |
| ALAT by Wema | Nigeria | Digital Bank | 零最低余额开户 | 免账户维护费 | Online | Conditional | ★ 3.9 |
| ABC Banking Corporation | Mauritius | Traditional Bank | 初始存款 5,000 美元（约 ¥35,500），开户后一个月内存入 | 无月费；开户费 100 美元 | Online | Non-residents OK | ★ 3.9 |
| Yape | Peru | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Not for non-residents | ★ 3.9 |
| BBK (Bank of Bahrain and Kuwait) | Bahrain | Traditional Bank | 往来账户最低余额 BD 300（约 ¥5,730）；Super Saver 储蓄户 BD 20（约 ¥380） | 满足工资或余额门槛可免账户管理费 | Must visit | Conditional | ★ 3.9 |
| QNB Alahli Egypt | Egypt | Traditional Bank | 往来账户最低开户 EGP 2,500（约 ¥375）；外币账户 1,000 美元等值（约 ¥7,200） | 按费率表，满足余额可免 | Must visit | Conditional | ★ 3.9 |
| Banco Bolivariano | Ecuador | Traditional Bank | 线上储蓄账户开户无需初始存款 | 基础账户免费 | Remote or in person | Conditional | ★ 3.9 |
| Banco Guayaquil | Ecuador | Traditional Bank | 标准储蓄账户常见 US$200 起（约 ¥1,440）；另有零费率基础账户可选 | 基础账户可零月费 | Must visit | Conditional | ★ 3.9 |
| FriMi (Nations Trust Bank) | Sri Lanka | Digital Bank | App 内开户，无最低存款要求 | 数字账户免月费 | Online | Not for non-residents | ★ 3.9 |
| Freedom Bank | Kazakhstan | Traditional Bank | 无首存要求 | 免月费 | Must visit | Conditional | ★ 3.9 |
| Bank Alfalah | Pakistan | Traditional Bank | 基础账户零初始存款 | 免月费 | Must visit | Non-residents OK | ★ 3.9 |
| Bank Muscat | Oman | Traditional Bank | 储蓄账户最低初始 OMR 50，活期 OMR 100 | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| BCEL (Banque pour le Commerce Extérieur Lao) | Laos | Traditional Bank | 初始存款约 $100–500（美元账户） | 基础账户免月费 | Must visit | Conditional | ★ 3.9 |
| Stanbic Bank Uganda | Uganda | Traditional Bank | 非居民初始存款约 UGX 20,000（约 $5.4） | Everyday 账户无月费 | Remote or in person | Non-residents OK | ★ 3.9 |
| imaginBank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Hype | Italy | Digital Bank | 无最低存款要求 | 基础零月费（部分套餐收费） | Online | Not for non-residents | ★ 3.9 |
| Bank Norwegian | Norway | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 3.9 |
| Current | United States | Digital Bank | 无最低存款要求 | 基础零月费（部分功能订阅） | Online | Not for non-residents | ★ 3.9 |
| C6 Bank | Brazil | Digital Bank | 无最低存款要求 | 零管理费（部分卡种） | Online | Not for non-residents | ★ 3.9 |
| Nu Mexico | Mexico | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Nu Colombia | Colombia | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| RBC Royal Bank | Canada | Traditional Bank | 无首存要求 | 约 0–17 加元/月（可豁免） | Must visit | Conditional | ★ 3.8 |
| TD Canada Trust | Canada | Traditional Bank | 无首存要求 | 约 0–17 加元/月（可豁免） | Must visit | Conditional | ★ 3.8 |
| KB Kookmin Bank | South Korea | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.8 |
| Emirates NBD | United Arab Emirates | Traditional Bank | 通常要求首存约 3,000 迪拉姆 | 基础账户免月费，需满足最低结余 | Must visit | Conditional | ★ 3.8 |
| Siam Commercial Bank | Thailand | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Vietcombank | Vietnam | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| VPBank | Vietnam | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Ziraat Bankası | Türkiye | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Saudi National Bank | Saudi Arabia | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Commercial Bank of Qatar | Qatar | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Ooredoo Money | Qatar | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 3.8 |
| Luminor Estonia | Estonia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| SEB Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| SEB Lithuania | Lithuania | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| Swedbank Lithuania | Lithuania | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.8 |
| Banorte | Mexico | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Banco do Brasil | Brazil | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Credo Bank | Georgia | Traditional Bank | 基本账户无最低存款要求 | 基本账户免费 | Must visit | Non-residents OK | ★ 3.8 |
| Standard Chartered Brunei | Brunei Darussalam | Traditional Bank | 常见起存约 B$1,000；优先理财更高 | 达标可免月费 | Must visit | Conditional | ★ 3.8 |
| Kvika banki | Iceland | Traditional Bank | 标准活期账户普遍无最低存款要求 | 基础账户常见免月费，投资服务另计 | Remote or in person | Not for non-residents | ★ 3.8 |
| MauBank | Mauritius | Traditional Bank | 储蓄账户初始存款 MUR 500（约 ¥80）；外币账户 2,000 单位起存 | 储蓄账户免月服务费 | Must visit | Conditional | ★ 3.8 |
| Foreign Trade Bank of Cambodia | Cambodia | Traditional Bank | 储蓄账户 50 美元起（约 ¥355）；往来账户 500 美元 | 基础账户免月费 | Remote or in person | Conditional | ★ 3.8 |
| Scotiabank Uruguay | Uruguay | Traditional Bank | 数字渠道开户无最低存款要求 | 按套餐，满足条件可减免 | Online | Not for non-residents | ★ 3.8 |
| Scotiabank Peru | Peru | Traditional Bank | 数字渠道开户无最低存款；网点开户需 S/500（约 ¥950） | 数字渠道开户的账户常见免维护费 | Remote or in person | Not for non-residents | ★ 3.8 |
| Ahli United Bank | Bahrain | Traditional Bank | 无公开首存门槛，按产品与工资转入个案约定 | 满足工资转入通常可免月费 | Must visit | Conditional | ★ 3.8 |
| Standard Chartered Bahrain | Bahrain | Traditional Bank | 无公开首存门槛，按客户关系与资产规模个案评估 | 达标可免，否则按费率表 | Must visit | Conditional | ★ 3.8 |
| Bank CenterCredit | Kazakhstan | Traditional Bank | 无首存要求 | 免月费 | Must visit | Conditional | ★ 3.8 |
| Kapital Bank | Uzbekistan | Traditional Bank | 基础 som 账户无首存 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| United Bank (UBL) | Pakistan | Traditional Bank | 基础账户零初始存款 | 免月费 | Must visit | Conditional | ★ 3.8 |
| Nepal Bank | Nepal | Traditional Bank | 基础账户无首存；NRN 储蓄存款最低 USD 1,000 | 免月费 | Must visit | Conditional | ★ 3.8 |
| Everest Bank | Nepal | Traditional Bank | 基础账户无首存 | 免月费 | Must visit | Conditional | ★ 3.8 |
| Standard Chartered Nepal | Nepal | Traditional Bank | 基础账户无首存 | 免月费 | Must visit | Conditional | ★ 3.8 |
| National Bank of Oman | Oman | Traditional Bank | 储蓄账户最低初始 OMR 50 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Bank Dhofar | Oman | Traditional Bank | 储蓄账户最低初始 OMR 50 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| HSBC Oman | Oman | Traditional Bank | 基础账户最低初始 OMR 100 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| NBK Express | Kuwait | Traditional Bank | 基础账户开户 KD 10+；外籍最低工资 KD 400 | 基础账户通常无月费 | Must visit | Not for non-residents | ★ 3.8 |
| Weyay Bank | Kuwait | Digital Bank | 开户 KD 10+；须持 Civil ID | 基础账户无月费 | Must visit | Not for non-residents | ★ 3.8 |
| Bangkok Bank Laos | Laos | Traditional Bank | 初始存款约 $100–500 | 基础账户免月费 | Must visit | Conditional | ★ 3.8 |
| Paysera | Lithuania | Digital Bank | 无最低存款要求 | 账户零月费（交易/卡有费） | Online | Non-residents OK | ★ 3.8 |
| Holvi | Finland | Digital Bank | 无最低存款要求 | 按月订阅（无免费档） | Online | Conditional | ★ 3.8 |
| Ualá | Argentina | Digital Bank | 无最低存款要求 | 账户零月费（卡有年费） | Online | Not for non-residents | ★ 3.8 |
| Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.7 |
| KBC Bank | Belgium | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.7 |
| PKO Bank Polski | Poland | Traditional Bank | 无首存要求 | 0–10 兹罗提/月（有条件免除） | Must visit | Conditional | ★ 3.7 |
| Dukhan Bank | Qatar | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.7 |
| Luminor Latvia | Latvia | Traditional Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.7 |
| Wing (Cambodia) | Cambodia | Digital Bank | 注册即开通，无最低存款 | 基础账户免月费 | Online | Conditional | ★ 3.7 |
| Banco Sudameris Paraguay | Paraguay | Traditional Bank | 初始存款约 100 美元（约 ¥710） | 按套餐，满足条件可减免 | Must visit | Conditional | ★ 3.7 |
| Telda | Egypt | Digital Bank | 下载 App 即可开户，无最低存款要求 | 账户与卡免月费 | Online | Not for non-residents | ★ 3.7 |
| Banco del Pacífico | Ecuador | Traditional Bank | Cuenta Básica 无最低余额要求 | 基础账户无月费 | Must visit | Conditional | ★ 3.7 |
| ForteBank | Kazakhstan | Traditional Bank | 无首存要求 | 免月费 | Must visit | Conditional | ★ 3.7 |
| Agrobank | Uzbekistan | Traditional Bank | 基础账户无首存 | 免月费 | Must visit | Conditional | ★ 3.7 |
| Faysal Bank | Pakistan | Traditional Bank | 基础账户零初始存款 | 免月费 | Must visit | Conditional | ★ 3.7 |
| Nepal Investment Mega Bank | Nepal | Traditional Bank | 基础账户无首存 | 免月费 | Must visit | Conditional | ★ 3.7 |
| Nabil Bank | Nepal | Traditional Bank | 基础账户无首存 | 免月费 | Must visit | Conditional | ★ 3.7 |
| Sohar International | Oman | Traditional Bank | 储蓄账户最低初始 OMR 50 | 基础账户免月费 | Must visit | Conditional | ★ 3.7 |
| KFH (Kuwait Finance House) | Kuwait | Traditional Bank | 开户 KD 10+；须持 Civil ID | 基础账户无月费 | Must visit | Not for non-residents | ★ 3.7 |
| Boubyan Bank | Kuwait | Traditional Bank | 开户 KD 10+；须持 Civil ID | 基础账户无月费 | Must visit | Not for non-residents | ★ 3.7 |
| Gulf Bank | Kuwait | Traditional Bank | 开户 KD 10+；须持 Civil ID | 基础账户无月费 | Must visit | Not for non-residents | ★ 3.7 |
| Lao Development Bank | Laos | Traditional Bank | 初始存款约 $100–500 | 基础账户免月费 | Must visit | Conditional | ★ 3.7 |
| Joint Development Bank | Laos | Traditional Bank | 初始存款约 $100–500 | 基础账户免月费 | Must visit | Conditional | ★ 3.7 |
| Agricultural Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.7 |
| ICBC | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| China Construction Bank | Mainland China | Traditional Bank | 无最低存款要求 | 免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| HSBC UK | United Kingdom | Traditional Bank | 无最低存款要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.6 |
| BMO Bank of Montreal | Canada | Traditional Bank | 无首存要求 | 约 0–17 加元/月（可豁免） | Must visit | Conditional | ★ 3.6 |
| Commonwealth Bank | Australia | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.6 |
| ING Deutschland | Germany | Traditional Bank | 无首存要求 | 月入账达标免月费 | Remote or in person | Conditional | ★ 3.6 |
| TAIB Brunei | Brunei Darussalam | Traditional Bank | 初始存款 B$50（约 ¥275） | 按银行费率表，储蓄账户常见免月费 | Must visit | Not for non-residents | ★ 3.6 |
| Tigo Money Paraguay | Paraguay | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Non-residents OK | ★ 3.6 |
| National Savings Bank | Sri Lanka | Traditional Bank | 普通储蓄户 LKR 5 起（约 ¥0.1），为全市场最低门槛之一 | 普通储蓄户基本免费 | Must visit | Conditional | ★ 3.6 |
| ACLEDA Bank Laos | Laos | Traditional Bank | 初始存款约 $100–500 | 基础账户免月费 | Must visit | Conditional | ★ 3.6 |
| Bank of Communications | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.6 |
| Postal Savings Bank of China | Mainland China | Traditional Bank | 无最低存款要求 | 小额账户管理费减免多 | Must visit | Conditional | ★ 3.6 |
| Barclays | United Kingdom | Traditional Bank | 无最低存款要求 | 基础账户免月费 | Must visit | Not for non-residents | ★ 3.5 |
| ANZ New Zealand | New Zealand | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.5 |
| ASB Bank | New Zealand | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.5 |
| SMBC | Japan | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.5 |
| Shinhan Bank | South Korea | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.5 |
| UniCredit | Italy | Traditional Bank | 无首存要求 | 30 岁以下免费；其他约 1-4 欧/月 | Must visit | Conditional | ★ 3.5 |
| Banco Santander | Spain | Traditional Bank | 无首存要求 | 0-10 欧/月（有条件免除） | Must visit | Conditional | ★ 3.5 |
| BBVA | Spain | Traditional Bank | 无首存要求 | 线上账户免月费 | Online | Conditional | ★ 3.5 |
| Spuerkeess (BCEE) | Luxembourg | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.5 |
| Bank Pekao | Poland | Traditional Bank | 无首存要求 | 0–12 兹罗提/月（有条件免除） | Must visit | Conditional | ★ 3.5 |
| Wave Money | Myanmar | Digital Bank | 注册即开通，无最低存款 | 基础钱包免月费 | Online | Not for non-residents | ★ 3.5 |
| Shanghai Pudong Development Bank | Mainland China | Traditional Bank | 无最低存款要求 | 一般免小额账户管理费 | Must visit | Conditional | ★ 3.5 |
| Westpac | Australia | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.4 |
| ANZ | Australia | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.4 |
| Westpac New Zealand | New Zealand | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.4 |
| KBZ Bank | Myanmar | Traditional Bank | 缅元账户约 1,000 缅元起 | 基本账户免月费；休眠满一年收 1 单位 | Must visit | Conditional | ★ 3.4 |
| NAB | Australia | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.3 |
| Commerzbank | Germany | Traditional Bank | 无首存要求 | 约 0–9.9 欧/月（可豁免） | Must visit | Conditional | ★ 3.3 |
| Yoma Bank | Myanmar | Traditional Bank | 约 10,000 缅元起存 | 基本账户免月费 | Must visit | Conditional | ★ 3.1 |
Often. Fee waivers are frequently tied to a monthly inbound amount, a minimum balance or using specific services; fail the condition and the fee returns. Check the condition described in each fee note.
Possibly a dormant account fee, deducted straight from the balance until it reaches zero and the account closes. This is separate from the monthly fee — keep an eye on idle accounts.
Not necessarily, but the "no monthly fee, profit from FX spread" model is real. If you convert often, work out the spread cost and compare against accounts that charge a fee but price FX better.
No. Outward transfer fees, intermediary bank charges and beneficiary-side fees are all billed separately. This is the cost cross-border users most often underestimate.
Annualise it: monthly fee × 12 + expected conversion volume × spread + number of transfers × per-transfer fee + withdrawals × ATM fee. A fee waiver only removes the first term; the rest are usually the bigger cost.