How do individuals open overseas accounts?

Question 1: How do individuals open overseas accounts in China? Domestic institutions that meet the following conditions may apply for opening foreign exchange accounts abroad:

(1) If you have sporadic income abroad, you need to open a foreign exchange account abroad and remit the income back to China;

(2) There are sporadic expenditures abroad and it is necessary to open a foreign exchange account abroad; (three) to engage in overseas contracted projects and need to open a foreign exchange account abroad;

(four) due to special business needs, it is necessary to open a foreign exchange account abroad.

Application materials:

(1) An application signed and stamped by the legal representative of the domestic institution or its authorized person. The application shall include the reason for opening the account, currency, maximum amount of the account, purpose, income and expenditure range, service period, bank to be opened and its location, etc.

(2) The original and photocopy of the business license issued by the administrative department for industry and commerce;

(3) The internal management system for the use of overseas accounts;

(4) Other documents and materials required by the foreign exchange bureau. 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, it shall, in addition to the above-mentioned documents and materials, provide the foreign exchange registration certificate of the foreign-invested enterprise and the capital verification certificate that the registered capital of the registered accounting firm has been paid in full.

Processing flow:

Domestic institutions can only open foreign exchange accounts overseas after holding relevant materials to the Foreign Exchange Account Management Section of the Current Account Department of the Beijing Foreign Exchange Management Department and obtaining the approval of the foreign exchange bureau. Domestic institutions shall, within 30 working days after opening an overseas foreign exchange account, file the name of the bank where the overseas foreign exchange account is opened, the account number, the name of the account holder and other information with the Foreign Exchange Account Management Section of the Current Account Department of Beijing Foreign Exchange Management Department.

Processing cycle:

The foreign exchange bureau shall give a reply within 20 working days after receiving the required documents and materials.

Question 2: How do individuals open overseas accounts and what conditions do they need? I don't think you know much about the current situation in China. I suggest you plan 1 well and decide within two years. The idea of traveling around the world is wishful thinking, unless you are rich.

1. When to go, personal preference, this is not the point.

Of course, you need a visa to go abroad. Visa involves many problems. Generally, it is difficult to pass a tourist visa without going through a travel agency, not to mention that you are not going to a country. How can you ensure that you won't go out in the dark?

3. The cheapest air ticket to Europe is just over 3,000 yuan, and the sum of visa, entry and exit and passport is absolutely not more than 1000.

4+5. There must be something wrong with going by yourself. I won't say if you can get out. Even if it is approved, it is still a person going abroad and a stranger. In case of any unexpected situation, you can say it unreasonably.

I suggest, oh, only those who want to play tour groups and travel around the world can find ways to make money. When you have a lot of money, all problems are not problems.

Question 3: Can an individual open a foreign currency account? Yes Go to China Bank to apply for a one-card or bank card, and bring your ID card. Tell each other your foreign currency. Open the corresponding settlement account.

Then, tell the foreign remitter the account number, account name (standard Chinese pinyin) and the name, address and SWIFT code of the bank. You can remit foreign currency directly to your account, and you can bring foreign currency or RMB. After the foreign currency arrives, the bank will send the notice of arrival to the contact address you filled in when you go through the formalities. After receiving it, you can go to the bank as soon as possible to declare your foreign exchange income. After processing, the money will be transferred to your account and you can use it. .......

Personal remittance can only be small, not large (possibly limited to 1 10,000) and can't be used for business, which means that foreign companies can't remit money to you in the name of the company.

What I know, BOC can, ABC can, and I don't know the rest.

Question 4: How do foreigners open personal bank accounts in China? You can open foreign currency accounts and RMB accounts with your passport.

Question 5: How to open an overseas account? 1 The entry and exit of funds in Hong Kong is not controlled. offshore account is an account opened by a foreign bank in China and should be supervised by the financial management institution in China. Therefore, offshore account cannot deposit cash at present; As for bank charges, Hong Kong local accounts rarely charge fees, while offshore account charges fees on a per-transaction basis. 3 the documents for opening an account are different. Offshore account can accept mainland ID card holders to open accounts, while local accounts in Hong Kong require the account holder to have a passport or pass. Hong Kong local accounts are fully functional, while some functions in offshore account are limited. 5 In terms of account opening speed, the former is faster and the latter is slower.

Question 6: How do individuals open bank accounts abroad? These Measures are formulated to meet the needs of our foreign exchange business, facilitate the capital exchange with overseas banks and strengthen the standardized management of overseas accounts of the whole bank.

I. Opening an overseas account

(1) account opening principle

1. The term "overseas account" as mentioned in these Measures refers to a foreign currency account opened in the name of the head office or branch of an overseas correspondent bank.

2. The purpose of opening an overseas account is to facilitate the receipt and payment of funds, quickly concentrate positions, ensure clear accounts, ensure the safety of funds and improve economic benefits.

3. Our overseas accounts are opened by the Head Office in the name of our bank with overseas correspondent banks. In principle, all foreign exchange business start-up banks may not open independent accounts overseas.

Before the promulgation of these Measures, the independent accounts opened overseas by the relevant branches with the approval of the Head Office were temporarily kept, but all the independent accounts opened by account agents outside the Head Office of the Bank were closed.

(2) Conditions for opening an account

When we choose an overseas correspondent bank to open an overseas account, the correspondent bank must meet the following conditions:

1. Our bank has established correspondent bank relationship with our bank for more than two years, and there are many business contacts with each other without major business disputes.

2. The correspondent bank must be the head office or branch of a large bank with abundant domestic capital, outstanding reputation, decent style, high service efficiency and strict supervision.

3. The correspondent bank must be a major member of the local inter-bank clearing system and have strong clearing ability (including extensive overseas branch network and advanced computer payment system).

It can meet the needs of our special business.

Except for Chinese banks, the bank does not open overseas accounts in local branches of third-country banks, and in principle does not open accounts in this currency in banks other than the settlement place of this currency.

(3) Account type

1. Current account: an independent account opened in an overseas correspondent bank in the name of the Head Office or related branches, or an account linked to the account position of the Head Office in the name of related branches, used for cash fund receipt and payment settlement and position transfer.

2. Investment account: an account opened in the name of the Head Office in an overseas correspondent bank for capital lending business. Branches may not open an investment account for overseas capital lending.

3. Special account: an account opened in an overseas correspondent bank in the name of the Head Office for the receipt and payment of special business funds or interest calculation of funds.

(4) account opening procedures

1. The relevant department of account use or the management department of the correspondent bank shall ask for instructions to open an account according to business needs and report to the general manager for approval;

2. The management department of the correspondent bank negotiates the account conditions with relevant correspondent banks, including account number, currency, account use authority and scope, deposit and overdraft interest rates and basic interest-bearing methods, account balance, service items, management fees, etc. Account terms should be easy to supervise.

3. The management department of the correspondent bank shall draft a report, which shall be countersigned by relevant departments and submitted to the general manager for approval;

4. The management department of the correspondent bank confirms the account with the overseas correspondent bank by letter or telex, and handles the account opening procedures;

5. The management department of the correspondent bank informs the relevant offices and branches to open accounts, and fills in the "New Account Opening Form" in triplicate, one for the clearing center of the international business department of the head office, one for the fund department of the international business department of the head office and one for the management department of the correspondent bank for the record.

Question 7: How to handle overseas accounts in China? In China, we have our own special rules for handling overseas accounts. Not all banks and financial systems can handle overseas accounts. You can only choose one of the following four banks (Bank of China, China Everbright Bank, HSBC and China Merchants Bank) to appoint agents of different banks at the same time. China Merchants Bank corresponds to Canada; The Bank of China targets Canadians, Parisians, Singaporeans and Britons. Countries targeted by China Everbright Bank: Britain, Australia and New Zealand; HSBC targets the most countries and regions, about 35 countries and regions, and has the widest business scope. At present, most of them are done in this bank. Whether the specific corresponding countries and regions have what you want, you can consult the local HSBC.

The procedure is as follows:

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

(2) The original and photocopy of the business license issued by the administrative department for industry and commerce;

(3) The internal management system for the use of overseas accounts;

(4) The above materials can not 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.

(2) 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.

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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.

(3) 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.

(4) 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.

Archive:

When issuing the Notice of Tianjin Branch of the State Administration of Foreign Exchange on Accepting (Not Accepting) the Application for Administrative License, the foreign exchange bureau shall number it in sequence and keep the application materials.

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Question 8: Can an individual open an overseas account? What materials need to be submitted? Yes, individuals can open overseas accounts, depending on where they open them. To open an account in Hong Kong, you need a Hong Kong company, not an individual.

Other countries, such as Saint Vincent and the Grenadines, can open individual accounts. The materials to be submitted are:

Open Saint Vincent and the Grenadines

You need to provide your identity or passport.

Address proof

Bank statements for the past three months

Just scan the file above.

Question 9: How to open an overseas bank account? Which bank is easier to open? Opening a Hong Kong bank account by an individual: Please bring your Hong Kong and Macao Pass and your ID card or valid passport to Hong Kong or a designated branch of a domestic bank to open a Hong Kong bank account, fill in the application form and submit relevant materials. The time required for the whole account application process shall be subject to the regulations of local banks (please refer to the bank announcement or telephone consultation for details). Accounts opened by enterprises: local accounts refer to accounts opened by Hong Kong enterprises in local banks in Hong Kong; Offshore account refers to the accounts opened by Hong Kong enterprises in banks outside Hong Kong. For example, accounts opened by Hong Kong enterprises in Shenzhen, Shanghai, Malaysia and the United States are called offshore account. The accounts opened usually include: Hong Kong dollar savings account, foreign currency savings account (including all common foreign currencies) and Hong Kong dollar checking account. All three accounts can accept letters of credit. But if you want to open a letter of credit, you must open a letter of credit account. Details login: vinihk/...0 is very detailed, go and have a look. Landlord, get points.

Question 10: How to open an account in an overseas bank for domestic household registration? You can go to Hong Kong. You need to bring your ID card, documents that can prove your residence address, such as utilities, and a Hong Kong goods pass. You can go to the public security bureau to apply for a Hong Kong and Macao pass. You need to change Hong Kong dollars to open an account. At least HK$ 5,000, otherwise the account management fee will be charged if the account is less than HK$ 5,000. I recommend Hongkong and Shanghai Banking Corporation and Standard Chartered Bank, which have been operating for more than 200 years and are among the best banks in the world. That's it. I have opened an account.