What you need to know
Opening a bank card starts at a commercial bank branch, with your passport in hand.
What to bring
A passport, a foreigner's permanent residence ID card or another valid document.
After you have the card
Keep the card safe so that it is not lost or used by someone else. If it is lost, report the loss to the issuing bank at once.
Check with the branch
The official guide names only the documents above. Branches can ask for more, such as proof of address or a residence permit, and the rules differ between banks. Ask the branch before you go, and ask which accounts and fees apply. This guide gives none, because the source does not.
A bank account in China is also needed for tax refunds. See the individual income tax guide.
The source is listed below with the date it was opened.
Practical facts
Documents to bring
- Passport or foreigner's permanent residence ID card, or another valid document original Shown at the branch[1]
Steps
- Go to a commercial bank branch.[1]
- Bring your passport, your foreigner's permanent residence ID card or another valid document, and ask to open a bank card.[1]
- Keep the card safe so it is not lost or misused by others.[1]
- If the card is lost, report the loss to the issuing bank at once.[1]
Official sources
- Ministry of Commerce with the National Immigration Administration and other agencies: 外国商务人士在华工作生活指引（2025年版） (Guide to working and living in China for foreign business people, 2025 edition) (www.mofcom.gov.cn/tjsh/art/2025/art_40eb0a9f2afd4b6cb4cbecfda797e0cc.html) · accessed 10/21/2026