Struggling to invest in US/HK stocks without an overseas bank account? Skip the hassle of Hong Kong bank requirements—Oversea-Chinese Banking Corporation (OCBC), Singapore’s 2nd largest bank, offers a seamless solution: 100% online application for Chinese residents, requiring only a passport and ID card. This step-by-step guide includes referral bonuses and multi-currency account tips.
Apply via mobile from China using just passport + Chinese ID (no Singapore address or deposit proof needed)
NFC-enabled passport scanning auto-fills details in 3 seconds (NFC required on your phone)
✅ Multi-Currency Flexibility
Instant access to SGD + 9 major currencies (USD, EUR, etc.) with zero monthly fees
Lock in real-time exchange rates to minimize cross-border transfer costs
✅ Sign-Up Bonuses for New Users
Earn S$15 (≈¥75) with your first S$1,000 deposit
Use referral code 72UR37JB for mutual rewards (referrer and referee each get S$15)
If you don’t have a passport, search the Immigration Bureau on Alipay and click on the entry and exit documents to make an appointment
2. Required Documents (Must-Have)
Document
Details
Passport
Valid Chinese passport (minimum 6 months validity)
ID Card
Clear photos of front and back pages
Smartphone
NFC-enabled device (iOS/Android, Android users download via Google Play)
Contact
Chinese mobile number (for OTP) + active email address
3. 6-Step Application Process (with Screenshots)
❶ Download the OCBC Digital App
iOS Users: Search “OCBC Digital” on App Store
Android Users: Get from Google Play (Huawei users set app market region to “Hong Kong”) ⚠️ Update to the latest version for smooth operation
❷ Start Registration in Chinese
Open the app, select “Chinese”, tap “Register a new user”
Choose “Foreigners holding electronic passports” (for Mainland Chinese residents)
❸ Scan Passport with NFC
Enable phone NFC, touch passport cover to auto-read chip data (name, passport number, etc.)
Manually confirm details like expiration date (95% accuracy from NFC scan)
❹ Upload ID Card + Selfie
Photograph ID card on a dark background (both sides)
Take a clear selfie (full face, good lighting, complete within 30 seconds)
❺ Fill Details & Referral Code
Use ID card address for registration, input employment info (convert income to RMB)
Enter referral code 72UR37JB in the promo code field to activate bonuses
❻ Set Password & Security Token
Create a 6-digit login PIN, enable Touch ID/fingerprint for quick access
Activate OCBC OneTouch digital token for full account access after 12 hours
4. Funding Your Account & Claiming Bonuses
Basic Bonus:
Deposit S $1,000+ to your Global Savings Account (GSA) within 60 days, receive S$15 automatically
Acceptable funding methods: wire transfer, overseas account transfer (not Alipay/WeChat)
Advanced Reward:
Maintain S$8,000+ balance for 2 months** to earn an extra S$68 (1.2% higher annual interest)
Wire Transfer Details:
Account Number: GSA number displayed in the app SWIFT CODE: OCBCSGSG Bank Name: Oversea-Chinese Banking Corporation Limited Singapore Address: 63 Chulia Street #10-00, OCBC Centre East, Singapore 049514
5. FAQs & Pitfalls to Avoid
❓ Q1：Can I apply without a passport? ✅ No. A valid passport is mandatory. Apply for one via Alipay “Immigration Bureau” if needed (1-2 weeks processing).
❓ Q2：How to request a physical card? ✅ Apply within the app after 开户，ship to your Chinese address (10 business days delivery), supports global UnionPay ATMs (S$3,000 withdrawal limit per transaction).
❓ Q3：What about China’s forex restrictions? ✅ Stay within the annual $50,000 USD quota, declare transfer purpose as “investment” or “education” to avoid red flags.
6. OCBC vs Traditional Overseas Accounts: A Comparison
Feature
OCBC Online
Hong Kong Banks
US Banks (Remote)
Location
100% online
In-person in HK/mainland
US visa/address required
Documents
Passport + ID
Deposit proof + address
SSN + tax forms
Currencies
10+ currencies
1-2 major currencies
Limited to USD
Fees
$0 monthly fee
$5-$20 monthly fee
$25-$50 monthly fee
7. Conclusion: 3 Steps to Your Global Banking Account
Prepare: Check passport validity and enable phone NFC
Apply: 10-minute upload process, don’t forget the referral code (72UR37JB)
Fund: Follow wire transfer steps to claim your bonuses
OCBC’s overseas account is a perfect starting point for US/HK stock investors, international students, and cross-border traders. Follow this guide to bypass complexity and unlock your first multi-currency account today!
Libre Depot original article,Publisher:Libre Depot，Please indicate the source when reprinting:https://www.libredepot.top/522.html
