As one of Hong Kong’s leading banks,
China Construction Bank (Asia) (CCB Asia) offers multi-currency banking solutions with convenient online Open an account and cross-border services. This guide breaks down account types, eligibility, documentation, and step-by-step processes, including witness account opening for mainland China access.
✅ Core Account Options
-
Current Accounts
- Support HKD, USD, and CNY, with CNY accounts allowing cheque issuance in Guangdong and Hong Kong
- Internet transfer fee as low as HK$100, 20% lower than industry average
-
Savings Accounts
- Daily simple interest, monthly payout, paired with UnionPay dual-currency cards for cross-border ATM withdrawals (annual fee waived)
- Multi-currency savings supports 11 foreign currencies (GBP, EUR, AUD, etc.) for deposit and trading
✅ Specialized Services
- Witness Account Opening：Hong Kong residents can apply for mainland CCB accounts locally, enabling e-wallet Open an account for mainland spending
- Hong Kong resident aged 18+ (permanent/non-permanent ID, nationality limited to China, Macao, UK, Canada, Australia, New Zealand)
- Non-US tax resident (no green card/US citizenship)
- First-time CCB Asia deposit account applicant (credit card/loan holders eligible)
| Document Type |
Online Application |
Branch/Witness Application |
| ID Proof |
Hong Kong ID (new smart card) |
Passport/Travel Permit + Mainland ID/Macao PRC |
| Tax Compliance |
Hong Kong tax residency declaration |
Foreign tax ID for non-HK residents |
| Mainland Witness |
— |
Home Return Permit (≥3 months valid) + Hong Kong PRC |
- Download App：Install “CCB (Hong Kong/Macau)” app, select “e-Account Service”
- ID Verification：Scan ID card and complete facial recognition selfie
- Info Submission：Enter personal details, employment info, and expected transactions
- Security Setup：Link phone/email for OTP, create online banking credentials
- Approval：Fast-track response within 24 hours, account active in 3 business days
- Online Booking：Reserve a slot via CCB Asia website, fill pre-application form
- In-Person Submission：Visit branch with ID documents, phone confirmation within 3 days
- Mainland Account Activation：Witness accounts take 10 business days, SMS notification for card collection
| Account Type |
HKD Requirement |
USD Requirement |
CNY Requirement |
| Current Account |
HK$1,000 |
US$500 |
¥1,000 |
| Savings Account |
HK$1,000 equiv. |
— |
¥1,000 |
| Multi-Currency Savings |
HK$1,000 equiv. |
— |
— |
⚠️ Transfer Cost Comparison (HK$10,000 to UK)
| Provider |
Fee |
Recipient Receives |
Exchange Rate Transparency |
| CCB Asia |
HK$100 |
£955.90 |
Traditional SWIFT rates |
| Wise |
HK$34.29 |
£966.59 |
Real-time mid-market rate |
❓ Q1：Can non-Hong Kong residents apply?
✅ Eligible for non-permanent residents from approved nationalities; others must apply in-branch with passport/visa.
❓ Q2：How to activate a mainland account via witness service?
✅ Collect the physical card at the designated branch with the SMS notification, link to WeChat Pay/Alipay afterward.
❓ Q3：Does multi-currency account support auto-conversion?
✅ Yes, via in-app foreign exchange with real-time rates and no hidden fees (subject to mainland forex regulations).
CCB Asia’s multi-currency support, online accessibility, and witness account service make it ideal for cross-border users. Online applications suit eligible Hong Kong residents, while branch services cater to non-permanent residents and mainland account needs. Pair with Wise for cost-effective international transfers to optimize your financial management. Start your application today for seamless Sino-Hong Kong banking!
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