Banking & finance 银行金融
Your corporate bank account in China, opened and operational.
Your licence means nothing until a bank will hold your money. We pre-check your case, match the branch, prepare the file and sit beside you at the appointment. RMB and FTN accounts, usually live within 2 to 4 weeks of licensing.
Clients from 50+ countries · Pre-check before any application
What it is 概述
The account is the business. Everything before it is paperwork.
A Chinese company without a corporate account can't invoice, can't pay staff and can't receive a single yuan. Account opening is where foreign owners stall most often, not because the rules forbid them, but because a branch manager somewhere isn't sure, and "isn't sure" usually arrives as silence.
We open corporate RMB basic accounts and, where your model justifies one, FTN multi-currency accounts. Hainan's free-trade accounts with freer cross-border flows under FTP policy. Online banking, payment rails and capital injection get set up as part of the job, not left as homework.
The problem it solves
痛点Walking into branches cold and getting rejected or ghosted, no reason given, nobody to call.
Every failed application marks your name in that bank's records and makes the next attempt harder.
An account opened at whichever branch said yes, that chokes on your volumes six months in.
Deliverables 交付清单
Everything included in account opening.
Bank pre-check & branch matching
Your structure, nationality and business model put in front of branch contacts before any application exists. You only apply where the profile is already welcome.
Document preparation
Application forms, business plan summary and source-of-funds notes, assembled to the branch's own checklist, in Chinese, before the appointment.
Account opening appointment
Booked with a named contact and attended together. The meeting runs in Chinese; we sit beside you so that's not your problem.
RMB basic account
Your company's primary account, the one that pays salaries, receives revenue and satisfies the tax bureau.
FTN account where useful
Hainan's free-trade multi-currency account, for businesses with real cross-border flows. If you don't need one, we say so and save you the maintenance.
Online banking & payments
Corporate e-banking, security keys and approval chains configured around how you actually pay suppliers and staff.
Capital injection filing
Registered capital brought in correctly and recorded with the bank and SAFE, so it counts as capital, not as a question mark.
7 deliverables · one fixed quote, nothing invoiced mid-process
Get an itemised, fixed quote for this service.
Book a free consultationProcess 流程
Two to four weeks, four stages.
Counted from business licence in hand. If the licence came from our formation desk, your file is already clean and stage two starts on day one.
Pre-check
Structure and documents reviewed against current branch appetite; bank and branch selected.
Week 1Documents
The full application file prepared and translated; appointment booked with a named contact.
Weeks 1 to 2Branch appointment
The legal representative meets the bank, usually once, usually under an hour. We attend.
Weeks 2 to 3Active account
Account numbers issued, e-banking live, capital injection filed. You can pay and be paid.
Weeks 3 to 4Your side of the desk 您需准备
What we'll ask you for.
If we registered your company, we already hold most of this. If not, send it once. We reshape it into what each branch wants to see.
Originals for the appointment; both already in hand if we formed your company.
The person the bank wants to meet, even briefly.
One page on what the account will actually do: currencies, volumes, counterparties.
The opening balance, moved after the account exists. Never before.
Pricing 费用
One written fee, before the first branch hears your name.
Banking support is priced by case, your structure, nationality mix and whether an FTN account is involved all move the work. You get a fixed quote at the first consultation, in writing, and anything the bank or government charges passes through at cost.
- Fixed fee quoted in writing before we start
- Bank and government charges passed through at cost
- Bundled pricing when we also handle your formation
Why HCSG for this 凭什么
Banks say no to strangers. We stopped being strangers years ago.
500+ companies formed, and their accounts opened with Haikou branches that have processed our files for 10+ years. Yours won't be their first.
Pre-check before any application, a failed attempt sits in a bank's records for good. We spend our questions before we spend your name.
Owners from 50+ countries. We know which branches are comfortable with which nationalities and structures, and which will quietly waste your month.
What comes next 相关服务
The account sits in the middle of everything.
Company Formation
No entity yet? The account starts with the licence. We handle both, in the right order.
Next stepTax & Accounting
A live account means transactions. Monthly books, fapiao and filings from day one.
Next stepLogistics & Trade
Paying suppliers and moving goods? Customs, forwarding and zero tariffs on 6,600+ goods lines.
Next step
Banking questions 银行问答
Asked at almost every consultation.
01Can I open the account remotely?
Yes. We guarantee account opening for the clients we take on. We can say that because of how we work: your profile is pre-checked with the banks before anything is booked, you are matched to the branch that fits your business, the file is prepared to that branch’s exact checklist, and we sit beside you at the appointment. The guarantee is stated in your written quote.
02Which banks do you work with?
The major Chinese banks with Haikou branches that know our files. We don't publish a fixed list, because branch appetite shifts, the pre-check matches you to whoever is actively taking your profile this quarter, not to whoever looked good on a brochure last year.
03What is an FTN account?
A free-trade multi-currency account available under Hainan FTP policy. It holds and moves foreign currency with freer cross-border flows than a standard onshore account. Genuinely useful for cross-border businesses; unnecessary weight for some domestic models. The pre-check tells you which you are.
04How long does opening a corporate bank account in China take?
Typically 2 to 4 weeks from business licence to active account. The branch appointment is the fixed point in the middle; everything else is preparation speed, which mostly depends on how quickly your documents reach us.
05Can HCSG guarantee the account opens?
Yes. We guarantee account opening for the clients we take on. We can say that because of how we work: your profile is pre-checked with the banks before anything is booked, you are matched to the branch that fits your business, the file is prepared to that branch’s exact checklist, and we sit beside you at the appointment. The guarantee is stated in your written quote.
Client words 客户之声
From clients who’ve done this.
Almost everything from home: documents on WhatsApp, a video call for the bank, one two-day visit to sign. They answered every question, even the ones I asked twice.
Rehman Sadia海南环悦进出口贸易有限公司 · licence on fileThey opened the company and the account, then they stayed. First customs filing, small-small questions: same-day answers. A partner in China, not a service provider.
Urenyi John海南九章进出口贸易有限公司 · licence on fileYears of China trade through other people’s companies. HCSG set up my own in Haikou, and the margin stays with me. Brother, these people don’t disappear after you pay.
Khan Muhammad Abdullah海南小王进出口有限公司 · licence on fileReal clients, real registrations, every review is paired with that client’s watermarked business licence. See the licence wall.
Next step 下一步
Get your banking pre-check.
Tell us your structure, your nationality and what the account needs to do. We'll tell you which branch, what it will ask for and how long. Before anyone applies.