In recent years, as more and more foreigners have settled in China to work and integrate into Chinese life, many of them have been surprised by the fact that Chinese people "use their mobile phones as wallets" . After experiencing a day in China without a wallet and credit card, almost all foreigners say: "It's so convenient! . But it is only on the premise that you have a bank card with an account in China. So how do foreigners get a bank card in China?

近年来，随着越来越的外国人在中国工作定居，在融入中国生活的过程中，不少外国人对中国人“把手机当钱包”大感惊讶。当他们纷纷在中国体验不带钱包信用卡的一天之后，几乎所有外国人都表示：“真是太方便了！”。但方便的前提是：需要绑定一张在中国开户的银行卡。那么外国人在中国如何办理银行卡呢？

Required Materials for Account Opening:

开户必备资料：

I. Valid passport meaning the passport is within the validity

II. Proof of employment which must include the name and position of the foreigner

III. Copy of foreigner's residence permit / copy of foreigner's permanent residence permit The validity period should be at least 1 year and the expiration date should be at least 1 month away

一、有效护照 护照在有效期之内

二、工作证明 工作证明需包含外国人姓名、职位等信息

三、外国人居留许可复印件/外国人永久居留证复印件 有效期应在1年以上，且距到期日应在1个月以上

Bank of China

中国银行

Documents Required for Foreigners to Apply for Account Opening:

外国人申请开户需要的材料有：

I. Application Conditions

一、申请条件

All Chinese citizens, foreigners and compatriots from Hong Kong, Macao and Taiwan who are between the ages of 18 and 65, have full civil capacity and a legal and stable income, and have the right of abode in China, etc. can apply for a Bank of China credit card locally.

凡年龄在18周岁-65周岁之间，具有完全民事行为能力、有合法稳定收入的中国公民和在中国境内有居留权等条件的外国人及港澳台同胞均可在本地申请中国银行信用卡。

II. Materials Required

二、所需材料

Applicants are required to fill in an application form for personal account opening and integrated services and a declaration of personal tax resident status, provided that they have all the necessary documents to open an account.

申请人在带齐开户必备资料的情况下，仍需填写一份个人开户及综合服务申请表、一份个人税收居民身份声明文件。

ICBC

中国工商银行银行

I. Application Conditions

一、申请条件

Foreign nationals can open a personal account at a domestic bank with a valid passport and there is no limit on the amount of money available.

外籍人士可以持有效护照在国内银行开立个人账户，没有金额限制。

II. Materials Required

二、所需材料

After bringing all the necessary documents to open an account, you only need to fill in a personal customer information registration form.

在带齐开户必备资料之后，只需要进一步填写一张个人客户资料登记表即可。

III. Card Fees

三、办卡费用

Fees for procedure: RMB 5 Yuan

办卡手续费5元

Annual fee of RMB 10 Yuan/year

年费10元/年

Warm reminder: Applicants should provide a phone number in their own name for receiving SMS and verification from the bank.

温馨提示：申请人要提供本人名下的电话号码，以备接收银行短信及验证使用。

Once you have completed these forms, the bank has approved them and you are ready to open your account! In general, the conditions for opening an account for foreigners have now been eased considerably compared with the previous situation. With the development of China, the procedures are simplified and easier to handle with the support of policies. Although the rules are similar among banks, there are still differences in some details. Therefore, I suggest that if a foreigner wants to apply for a bank card, it is best to consult the local bank's customer service staff by phone before you go and be fully prepared so that you do not waste your energy and time.

外国人在填完这些表格之后，银行通过审核，就可以坐等开户成功啦！总的来说，现在针对外国人的开户条件也相对之前放缓了不少。 随着中国的发展越来越好，政策支持的情况下，手续简化，办理起来也更加方便了。虽然银行之间的规定大同小异，但在一些细节上还是有差异。 因此，小编建议如果外国人想办理银行卡，去之前最好电话咨询一下当地银行的客服人员，做好充分的准备，这样才不会浪费精力和时间。

出处：头条号 @上海外事商务咨询中心