How to successfully open a bank account for a Hong Kong company?
香港注册公司后如何成功开立银行账户？
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.
香港公司开户可以根据公司的经营类型、年销售额、产品销售的国家和地区、报关单和提单的情况选择适合企业的银行开户，个别银行要求会比较高，一般银行会要求有大陆关联公司，但是个别银行没有也是可以开户的。
I. Basic requirements for opening a bank account
一、银行开户基本要求
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.银行要求所有董事、股东、实益拥有人、账户签署人需要亲自前往银行面签开户，可以做视频及见证开户的除外。
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.银行不接纳账户申请人和他所属公司注册地，是被列入高风险和不合作的司法管辖区的开户申请。
II. Documents required to open an account
二、开户所需文件
Company registration documents
公司注册文件
Certificate of Incorporation, Business Registration Certificate, Articles of Association, Incorporation Form, Annual Return and other change documents, etc.
公司注册证书、商业登记证、公司章程、法团成立表格、周年申报表及其他变更文件等。
Related company documents
关联公司文件
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、股东名下关联公司的营业执照、最近半年的银行流水、增值税发票等文件。
Operational supporting documents
业务证明文件
Sales contracts, purchase contracts, orders, bills of lading, invoices, etc., usually prepare 2-3 copies, the more complete the better.
销售合同、采购合同、订单、提单、发票等，一般准备2-3份，越齐全越好。
Personal identification documents
个人身份文件
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.
身份证或护照,港澳通行证、入境小票和近三个月内的住址证明，请注意,住址证明上必须体现董事或股东的姓名，地址不能是商业地址。
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.
银行根据公司的业务经营范围，也可能额外会要求您提供更多的资料来辅助开户申请，这时候积极配合提供就行。
III.the detailed process of opening a bank account
三、银行开户详细流程
1. Select the type of account to open.
1、选择开户的类型：
trade type
贸易型
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)
国内公司文件（营业执照）
Domestic company bank account statements for the last 3 months (must have bank stamp)
国内公司银行账户最近3个月对账单（必须有银行盖章）
2 copies each of purchase and sales records (contracts or invoices)
采购和销售记录各2份（合同或者发票）
Proof of shipment (customs declaration and bill of lading, waybill)
运输证明（报关单和提单，运货单）
ID card, Hong Kong and Macau Permit or passport
身份证，港澳通行证或护照
Service Type
服务型
Hong Kong Company Information (BR,CI,NNC1/NRA1, M&A)
香港公司资料（BR,CI,NNC1/NRA1，M&A)
Domestic company information (business license), company flow
国内公司资料（营业执照），公司流水
Design, development of a product, project
设计，开发了某个产品，项目
Agreements or contracts with clients
与客户签订的协议或是合同
Domestic company bank account or personal account statement for the last 3 months (must have bank stamp)
国内公司银行账户或个人账户最近3个月对账单（必须有银行盖章）
2、The basic information required to open an account
2、开户所需的基本资料
(1) Basic information of the Hong Kong company to be applied for a bank account.
（1）、拟申请银行账户的香港公司基本资料：
Certificate of Incorporation, Business Registration Certificate, Seal of Incorporation, Memorandum and Articles of Association, full set of documents for Hong Kong company formation
公司注册证书、商业登记证、公司印鉴、公司章程、香港公司成立的全套资料
(2) Basic information on the directors and shareholders of the Hong Kong company to which the bank account is to be applied.
（2）、拟申请银行账户的香港公司的董事股东基本资料：
Including personal identity documents, Hong Kong and Macau Permits, personal address proof documents, customs clearance vouchers, personal bank statements, etc.
包括个人身份证件、港澳通行证、个人地址证明文件、过关凭证、个人银行流水等
(3) Information relating to the business of the Hong Kong company for which the bank account is to be applied
（3）、拟申请银行账户的香港公司业务相关资料
Relevant information on domestic affiliates (including business license, business address, etc.)
国内关联公司相关资料（包括营业执照、营业地址等）
Information on the company's upstream and downstream suppliers (purchasers, distributors)
公司上下游供应商资料（采购商、经销商）
Company shipping documents, purchase documents, sales invoices, etc.
公司货运单据、采购单据、销售发票等
(4) Audit report of the Hong Kong company to which the bank account is to be applied
（4）、拟申请银行账户的香港公司的审计报告
Prepare all required documents for account opening and send to Hong Kong banks for preliminary information pre-qualification
准备齐全开户所需资料，发至香港银行进行初步的资料预审
Pre-qualified for account opening interview appointment
预审通过即可预约开户面谈时间
Bring all account opening documents to Hong Kong for account opening
携带齐全开户资料至香港进行开户
The account opening interview is successful and the bank will review the customer in conjunction with the interview
开户面谈成功，银行将结合面谈情况对客户进行审核
The bank card will be sent to you once the vetting process is completed.
审核通过，香港银行即会寄出银行卡等资料
Successful account opening
开户成功
Notes on Bank Account Maintenance
银行账户维护须知
Ensure the authenticity of the transaction background and keep as many complete transaction documents as possible
确保交易背景真实性，尽量保留完整交易单据
Avoid trade with sensitive, high-risk, sanctioned countries
避免和敏感、高风险、被制裁国家发生贸易往来
Adopt public-to-public payments and minimize personal transactions
采取公对公付款，尽量减少个人交易
Try to avoid fast entry and exit of large sums of money and maintain minimum account deposits according to different currency accounts
尽量避免大额资金的快进快出，根据不同币种账户保持相应的账户最低存款
Keep your account active, accounts that have been inactive for more than 3 months are likely to be purged
保持账户活跃度，超过3个月不活动的账户很可能被清理
Annual review and audit of the company is done on schedule every year
每年如期做好公司年审和审计事宜
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
确保预留给银行的通讯地址、手机号码、邮箱有效，及时回复银行通知，积极配合银行调查
Do not lend your account to others to receive or pay remittances
不要把账户借给他人收付汇
Never engage in illegal transactions such as money laundering
绝不参与洗钱等非法交易

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