How to successfully open a bank account for a Hong Kong company?
香港注冊公司后如何成功開立銀行賬戶？
Hong Kong companies can open an account according to the company's type of business, annual sales, product sales of countries and regions, customs declarations and bills of lading to choose a bank account suitable for the enterprise, individual bank requirements will be higher, the general bank will require mainland affiliates, but individual banks do not have is also possible to open an account.
香港公司開戶可以根據公司的經營類型、年銷售額、產品銷售的國家和地區、報關單和提單的情況選擇適合企業的銀行開戶，個別銀行要求會比較高，一般銀行會要求有大陸關聯公司，但是個別銀行沒有也是可以開戶的。
I. Basic requirements for opening a bank account
一、銀行開戶基本要求
1. The bank requires all directors, shareholders, beneficial owners and account signatories to visit the bank in person to open an account, except for those who can do video and witness account opening.
1.銀行要求所有董事、股東、實益擁有人、賬戶簽署人需要親自前往銀行面簽開戶，可以做視頻及見證開戶的除外。
2. The bank does not accept applications to open accounts in jurisdictions where the applicant for the account and the company to which he belongs are registered and are listed as high risk and uncooperative.
2.銀行不接納賬戶申請人和他所屬公司注冊地，是被列入高風險和不合作的司法管轄區的開戶申請。
II. Documents required to open an account
二、開戶所需文件
Company registration documents
公司注冊文件
Certificate of Incorporation, Business Registration Certificate, Articles of Association, Incorporation Form, Annual Return and other change documents, etc.
公司注冊證書、商業登記證、公司章程、法團成立表格、周年申報表及其他變更文件等。
Related company documents
關聯公司文件
Business licenses of affiliated companies in the names of directors and shareholders, bank statements for the last six months, VAT invoices and other documents.
董事、股東名下關聯公司的營業執照、最近半年的銀行流水、增值稅發票等文件。
Operational supporting documents
業務證明文件
Sales contracts, purchase contracts, orders, bills of lading, invoices, etc., usually prepare 2-3 copies, the more complete the better.
銷售合同、采購合同、訂單、提單、發票等，一般準備2-3份，越齊全越好。
Personal identification documents
個人身份文件
ID card or passport, Hong Kong and Macau Entry Permit, entry ticket and proof of address within the last three months, please note that the address must reflect the name of the director or shareholder and the address cannot be a business address.
身份證或護照,港澳通行證、入境小票和近三個月內的住址證明，請注意,住址證明上必須體現董事或股東的姓名，地址不能是商業地址。
Depending on the business scope of the company, the bank may also ask you to provide additional information to assist in the application for account opening, when the active cooperation to provide.
銀行根據公司的業務經營范圍，也可能額外會要求您提供更多的資料來輔助開戶申請，這時候積極配合提供就行。
III.the detailed process of opening a bank account
三、銀行開戶詳細流程
1. Select the type of account to open.
1、選擇開戶的類型：
trade type
貿易型
Hong Kong company documents (BR, CI, NNC1/NRA1, M&A)
香港公司文件（BR,CI, NNC1/NRA1,M&A）
Domestic company documents (business license)
國內公司文件（營業執照）
Domestic company bank account statements for the last 3 months (must have bank stamp)
國內公司銀行賬戶最近3個月對賬單（必須有銀行蓋章）
2 copies each of purchase and sales records (contracts or invoices)
采購和銷售記錄各2份（合同或者發票）
Proof of shipment (customs declaration and bill of lading, waybill)
運輸證明（報關單和提單，運貨單）
ID card, Hong Kong and Macau Permit or passport
身份證，港澳通行證或護照
Service Type
服務型
Hong Kong Company Information (BR,CI,NNC1/NRA1, M&A)
香港公司資料（BR,CI,NNC1/NRA1，M&A)
Domestic company information (business license), company flow
國內公司資料（營業執照），公司流水
Design, development of a product, project
設計，開發了某個產品，項目
Agreements or contracts with clients
與客戶簽訂的協議或是合同
Domestic company bank account or personal account statement for the last 3 months (must have bank stamp)
國內公司銀行賬戶或個人賬戶最近3個月對賬單（必須有銀行蓋章）
2、The basic information required to open an account
2、開戶所需的基本資料
(1) Basic information of the Hong Kong company to be applied for a bank account.
（1）、擬申請銀行賬戶的香港公司基本資料：
Certificate of Incorporation, Business Registration Certificate, Seal of Incorporation, Memorandum and Articles of Association, full set of documents for Hong Kong company formation
公司注冊證書、商業登記證、公司印鑒、公司章程、香港公司成立的全套資料
(2) Basic information on the directors and shareholders of the Hong Kong company to which the bank account is to be applied.
（2）、擬申請銀行賬戶的香港公司的董事股東基本資料：
Including personal identity documents, Hong Kong and Macau Permits, personal address proof documents, customs clearance vouchers, personal bank statements, etc.
包括個人身份證件、港澳通行證、個人地址證明文件、過關憑證、個人銀行流水等
(3) Information relating to the business of the Hong Kong company for which the bank account is to be applied
（3）、擬申請銀行賬戶的香港公司業務相關資料
Relevant information on domestic affiliates (including business license, business address, etc.)
國內關聯公司相關資料（包括營業執照、營業地址等）
Information on the company's upstream and downstream suppliers (purchasers, distributors)
公司上下游供應商資料（采購商、經銷商）
Company shipping documents, purchase documents, sales invoices, etc.
公司貨運單據、采購單據、銷售發票等
(4) Audit report of the Hong Kong company to which the bank account is to be applied
（4）、擬申請銀行賬戶的香港公司的審計報告
Prepare all required documents for account opening and send to Hong Kong banks for preliminary information pre-qualification
準備齊全開戶所需資料，發至香港銀行進行初步的資料預審
Pre-qualified for account opening interview appointment
預審通過即可預約開戶面談時間
Bring all account opening documents to Hong Kong for account opening
攜帶齊全開戶資料至香港進行開戶
The account opening interview is successful and the bank will review the customer in conjunction with the interview
開戶面談成功，銀行將結合面談情況對客戶進行審核
The bank card will be sent to you once the vetting process is completed.
審核通過，香港銀行即會寄出銀行卡等資料
Successful account opening
開戶成功
Notes on Bank Account Maintenance
銀行賬戶維護須知
Ensure the authenticity of the transaction background and keep as many complete transaction documents as possible
確保交易背景真實性，盡量保留完整交易單據
Avoid trade with sensitive, high-risk, sanctioned countries
避免和敏感、高風險、被制裁國家發生貿易往來
Adopt public-to-public payments and minimize personal transactions
采取公對公付款，盡量減少個人交易
Try to avoid fast entry and exit of large sums of money and maintain minimum account deposits according to different currency accounts
盡量避免大額資金的快進快出，根據不同幣種賬戶保持相應的賬戶最低存款
Keep your account active, accounts that have been inactive for more than 3 months are likely to be purged
保持賬戶活躍度，超過3個月不活動的賬戶很可能被清理
Annual review and audit of the company is done on schedule every year
每年如期做好公司年審和審計事宜
Ensure that the mailing address, mobile phone number and email address reserved for the bank are valid, respond to bank notifications in a timely manner and actively cooperate with bank investigations
確保預留給銀行的通訊地址、手機號碼、郵箱有效，及時回復銀行通知，積極配合銀行調查
Do not lend your account to others to receive or pay remittances
不要把賬戶借給他人收付匯
Never engage in illegal transactions such as money laundering
絕不參與洗錢等非法交易

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