This page compares 8 accounts available in Taiwan, China, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 3 can be opened fully online, 3 explicitly accept non-residents, 4 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
3 of the 8 accounts on this page explicitly accept non-residents (Cathay United Bank, E.SUN Bank, Taishin Bank). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 3 of the 8 accounts can be opened fully online (LINE Bank Taiwan, Rakuten Bank Taiwan, NEXT Bank Taiwan), with no branch visit; the remaining 5 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 4 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.