Hints to Open Your Corporate Bank Account | 開設香港銀行公司賬戶的提示

Opening a corporate bank account in Hong Kong is typically the most complicate part for the startup as our client reflected. Basically, the process will take around 1 month. Banks’ decision will be affected by different variables. Every case is independent, it is difficult to define why other cases could be success and mine is not. This week we gather the tips before you get in touch with the banks.

Preparation

Company Document

In order to reduce the document screening time, it is recommended that well prepare the bank’s required documents before you have a bank meeting with the banker. Mostly, the bank will send you a document list in the initial step. The list is included your company document such as:

• Business Registration
• Certificate of Incorporation
• Annual Return (NAR1)
• Articles of Association / Memorandum & Articles of Association

If you incorporated your company by the third party such as the company secretary agency, you could request them to prepare the document

Business Proof

Apart with the company documents, the bank will request you to proof how is your company operation. Here is the list of the business proof that the bank will require:

• Proof of source of wealth
• Latest Audit Report
• Latest 3 months Personal bank statements
• Address proof (issued within 3 months) of Directors, Shareholders, UBOs
• Business proof e.g. contracts, agreements, invoices….
• Office Contract

For the startups, the documents as we mentioned that you may not allow provide to the bank, but it does not mean your application will be 100% rejected by bank. If you have already signed the agreement/proforma invoice with your vendors or clients, it becomes your business proof. Preparing a business proposal about your business expanding in future is an essential proof that the bank will priority examine. Meanwhile, you can keep your transaction record if you have a business account in payment gateway.

Bank Meeting

After you submitted the documents, bank meeting is the next step. During the meeting, the bank will focus on your business’s goal in order to implement the risk analysis. Explaining your business background and development’s detail is necessary as the bank will ask many questions to certify your application. The meeting is not extremely complicate however it is recommended to well prepare before the meeting begin.

Getting lose in applying bank account? KPC Business Centre provided 14 years of experience in company formation & opening bank account services. Whatsapp +852 9130 2236 / Email [email protected].

正如我們的客戶所反映，初創公司在香港開設銀行戶口通常是最複雜的部分。基本上，申請過程大約需要1個月，而且能否成功開戶都會受到銀行不同決策的影響。由於每個案例都是獨立的，很難定義為什麼其他案例可以成功而我的案例卻不是。本週我們與你分析開設戶口前的提示。

準備文件

為了減少銀行在文件覆檢凡時間，建議你與銀行會面之前準備好它們所需的文件。銀行通常會向您發送一份文件清單。包括您的公司文件，例如：

– 商業登記

– 公司註冊證書

– 週年申報表 (NAR1)

– 公司章程/備忘錄和公司章程

如果您是透過第三方如:公司秘書等機構註冊公司，您可以要求他們提供相關文件。

公司營運證明

除公司文件外，銀行還會要求您證明您的公司運作情況。以下是銀行基本需要的證明文件清單：

– 財富來源證明

– 最近審計報告

– 最近3個月的個人銀行賬單

– 董事、股東、UBO 的地址證明（3 個月內）

– 商業證明，例如合同、協議、發票……

– 辦公室租約合同

對於初創公司而言，部分銀行要求的文件你可能未能提供，但並不意味著你的申請會被銀行100%拒絕。如果您已經與供應商或客戶簽署了協議/形式發票，它可以成為公司營運證明。初創公司亦可以準備一份關於您未來業務擴展的商業計劃書，這也是銀行將優先審查的重要證明。同時，如果您在Fintech支付機構中有商業賬戶，您可以保留您的交易記錄。

與銀行會面

提交文件後，與銀行會面是下一步。在會面期間，銀行會集中了解您的業務擴展面，以進行風險評估。您解釋業務背景和發展細節是必要的，因為銀行會提出許多問題來評核您的申請。因此我們建議在會面開始前做好充分準備。

對申請銀行賬戶有問題？ KPC商務中心提供14年的公司成立和開立銀行賬戶服務經驗。 Whatsapp +852 9130 2236 / 電郵 [email protected]。