How do individuals open bank accounts abroad?

Individuals can open accounts in Swiss banks without going to Switzerland or Hong Kong in person. In China, some commercial companies have the right of face-to-face witness granted by Swiss banks, and only need to find the relevant commercial companies to handle related business.

Generally, it takes about 7 working days to open an account in a Swiss bank to get the electronic file of account information. After activating the Swiss bank account, you can get the online banking information of the account in about 7 working days, and you can operate related businesses through the Chinese online banking provided by Swiss bank.

The main services that Swiss banks can provide include: offshore and onshore current accounts of companies and individuals, cash deposits, debit and credit cards in various currencies, online banking, brokerage services and asset management services.

Extended data:

Account opening conditions

Individuals: A residence permit in Switzerland B is required, and the minimum deposit for opening an account is 5,000 Swiss francs. The residence permit is valid for 5 months. After opening an account, 500 Swiss francs will be frozen. If you want to continue to use this account after leaving Switzerland, you must have 654.38 million Swiss francs in the account. Otherwise, the account must be cancelled and the bank will refund the deposit of 500 Swiss francs.

Company: the directors of the company should bring their ID card, valid passport or passport, business license of domestic company, deposit HK$ 10000 in the company account and HK$ 10000 in the private account, open a comprehensive wealth management account, including savings, checks, foreign currency (10), online bank account and letter of credit account, and provide one.

The procedure is as follows:

I. Application

The applicant for administrative license shall directly submit the application materials to the functional department that undertakes the administrative licensing matters, and the application for administrative license shall be in paper form.

The applicant shall provide the following written materials:

1. A written application signed by the legal representative of the domestic institution or its authorized person and stamped with the official seal (including but not limited to: account opening reason, currency, maximum account amount, purpose, revenue and expenditure scope, service period, bank to be opened and its location, etc.). ).

2. Original and photocopy of the business license issued by the administrative department for industry and commerce.

3. Provisions on internal management of the use of overseas accounts.

4. The above materials cannot fully explain the authenticity of the transaction or the consistency between the application materials.

Engaged in overseas engineering contracting business, in addition to providing the above documents and materials, it shall also provide relevant engineering contracts.

When a foreign-invested enterprise opens a foreign exchange account abroad, in addition to the above-mentioned documents and materials, it shall also provide the IC card of the foreign exchange registration certificate of the foreign-invested enterprise and the capital verification certificate that the registered capital has been paid up by the certified public accounting firm.

Two. accept

The project management department of Tianjin Branch of the State Administration of Foreign Exchange (Tanggu Central Branch) should carefully examine the application materials submitted by the applicant and handle them according to law.

65438+

2. If the application materials are incomplete or do not conform to the prescribed form and can be informed on the spot, the applicant shall be informed of all the contents that need to be corrected on the spot; If it cannot be informed on the spot, it shall inform the applicant of all the contents that need to be corrected at one time within five days.

3. If the foreign exchange bureau refuses to accept the application for administrative license, it shall issue the Notice of the Tianjin Branch of the State Administration of Foreign Exchange on Not Accepting the Application for Administrative License.

Three. Review and decision

1. After accepting the application for administrative license, the current account management department of Tianjin Branch of the State Administration of Foreign Exchange shall examine the application materials. If the applicant's application materials are complete and true, conform to the prescribed form, and can make a decision on the spot, it shall make a written decision on approving the administrative license on the spot.

2. Where a foreign exchange bureau makes a decision not to grant an administrative license, it shall explain the reasons in the written decision and inform the applicant of the right to apply for administrative reconsideration from the foreign exchange bureau at the next higher level.

3. When examining the application for administrative license, the foreign exchange bureau finds that the administrative license directly involves significant interests between the applicant and others, it shall inform the applicant and interested parties, and listen to the opinions of the applicant and interested parties.

Fourth, time limit.

1. If the foreign exchange bureau cannot make a decision on approving or disapproving the administrative license on the spot, it shall make a decision within 20 working days from the date of accepting the application for administrative license. If a decision cannot be made within 20 working days, it may be extended by 10 working days with the approval of the person in charge of this bureau, and the applicant shall be informed in writing of the extension period and reasons before the expiration of 20 working days.

2. According to the regulations, the administrative license decided by the foreign exchange bureau at a lower level shall be examined first and then reported to the foreign exchange bureau at a higher level. The foreign exchange bureau at a lower level shall complete the examination within 20 working days from the date of accepting the application for administrative license. After receiving the review report from the foreign exchange bureau at a lower level, the foreign exchange bureau at a higher level shall also complete the review within 20 working days and make a decision on administrative licensing.

3. Where there are other provisions in laws and administrative regulations on the duration of administrative licensing, such provisions shall prevail.

References:

Baidu Encyclopedia-China Bank

Baidu encyclopedia-China merchants bank

Baidu encyclopedia-bank of communications