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Information Required

Similar to other financial centres, banks in Hong Kong do not have identical checklist of information required for account opening since individual banks formulate policies in accordance with their own business strategies and risk assessments. Moreover, apart from local requirements, some banks also need to comply with the requirements or standards mandated by their head offices or overseas authorities. The account opening requirements of these banks may therefore vary.

In general, banks may obtain the following information or require the relevant original documents when handling applications of personal or corporate bank accounts:

individual customers

  • Identification documents, for example:

- Identity card

- Travel document

  • Address proof, for example:

- A bill issued by a utility company

- A statement or correspondence issued by a financial institution

- A correspondence from a Government department or agency

- An acknowledgement of receipt signed by the customer in response to a letter sent by the bank which is processing the account opening application to the address provided by the customer

- A tenancy agreement stamped by the Inland Revenue Department

- Any other proof of address which the bank is satisfied that it can rely on

 

Please note that the information required for account opening set out above is for reference only.  According to the actual circumstances (such as the backgrounds of the applicants, the requested banking services, etc.) and their risk assessments, banks may require applicants to submit other types of or additional information and documentation, for example, information and documents related to Foreign Account Tax Compliance Act (FATCA) and Automatic Exchange of Financial Account Information (AEOI), etc.  Customers may contact the banks concerned or visit their websites to check for the required information. 

 

Corporate customers

  • Corporate identification documents, for example:

- Company's certificate of incorporation

- Company report from a company registry

- Company's memorandum and articles of association

  • Information of the beneficial owner(s), for example:

- Identification document of the beneficial owner(s)

- Details of the ownership and control structure of the company

  • Purpose and intended nature of account, for example:

- Purpose of the account

- Expected account activities

- Business nature and mode of operation

  • Information of the person acting on behalf of the customer, for example:

- Identification document of the person acting on behalf of the customer

- Authorisation document

Please note that the information required for account opening set out above is for reference only.  According to the actual circumstances (such as the backgrounds of the applicants, the requested banking services, etc.) and their risk assessments, banks may require applicants to submit other types of or additional information and documentation, for example, information and documents related to Foreign Account Tax Compliance Act (FATCA) and Automatic Exchange of Financial Account Information (AEOI), etc.  Customers may contact the banks concerned or visit their websites to check for the required information. 


 

Last revision date: 23 March 2017
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