香港公司开户流程与要求 Hong Kong Company Account Opening Guide

1. 香港公司开户概述 / 1. Overview of Opening a Bank Account for Hong Kong Company

香港公司开户可以根据公司的经营类型、年销售额、产品销售的国家和地区、报关单和提单的情况选择适合企业的银行开户。个别银行要求会比较高，一般银行会要求有大陆关联公司，但是个别银行没有也是可以开户的。
Hong Kong companies can open an account according to the company's type of business, annual sales, product sales of countries and regions, customs declarations, and bills of lading to choose a bank account suitable for the enterprise. Individual bank requirements will be higher, but it is also possible to open an account with some banks even without mainland affiliates.

2. 银行开户基本要求 / 2. Basic Requirements for Opening a Bank Account

1. 银行要求所有董事、股东、实益拥有人、账户签署人需要亲自前往银行面签开户，可以做视频及见证开户的除外。
1. The bank requires all directors, shareholders, beneficial owners, and account signatories to visit the bank in person to open an account, except for those who can do video and witness account opening.

2. 银行不接纳账户申请人和他所属公司注册地，是被列入高风险和不合作的司法管辖区的开户申请。
2. The bank does not accept applications to open accounts in jurisdictions where the applicant for the account and the company to which they belong are registered and are listed as high risk and uncooperative.

3. 开户所需文件 / 3. Documents Required to Open an Account

公司注册文件 / Company Registration Documents:
- 公司注册证书、商业登记证、公司章程、法团成立表格、周年申报表及其他变更文件等。
- Certificate of Incorporation, Business Registration Certificate, Articles of Association, Incorporation Form, Annual Return and other change documents, etc.

关联公司文件 / Related Company Documents:
- 董事、股东名下关联公司的营业执照、最近半年的银行流水、增值税发票等文件。
- Business licenses of affiliated companies in the names of directors and shareholders, bank statements for the last six months, VAT invoices and other documents.

业务证明文件 / Operational Supporting Documents:
- 销售合同、采购合同、订单、提单、发票等，一般准备2-3份，越齐全越好。
- Sales contracts, purchase contracts, orders, bills of lading, invoices, etc., usually prepare 2-3 copies, the more complete the better.

个人身份文件 / Personal Identification Documents:
- 身份证或护照,港澳通行证、入境小票和近三个月内的住址证明，请注意,住址证明上必须体现董事或股东的姓名，地址不能是商业地址。
- ID card or passport, Hong Kong and Macau Entry Permit, entry ticket and proof of address within the last three months, please note that the address must reflect the name of the director or shareholder and the address cannot be a business address.

4. 开户详细流程 / 4. Detailed Process of Opening a Bank Account

1. 选择开户类型（贸易型或服务型）。
1. Select the type of account to open (trade type or service type).

2. 提交公司资料、银行流水、合同、销售记录等证明文件。
2. Submit company documents, bank statements, contracts, sales records, and other supporting documents.

3. 安排开户面谈，并携带齐全资料到香港银行进行面签。
3. Arrange an account opening interview and bring all required documents to Hong Kong for the interview.

4. 银行审核通过后，发送银行卡等开户资料。
4. Once the bank reviews and approves, the bank will send the bank card and other account-opening documents.

5. 成功开户。
5. Successful account opening.

5. 注意事项 / 5. Notes

• 确保交易背景的真实性，保留完整的交易单据。 / Ensure the authenticity of the transaction background and keep complete transaction documents.
• 避免和敏感、高风险、被制裁国家发生贸易往来。 / Avoid trade with sensitive, high-risk, sanctioned countries.
• 采取公对公付款，尽量减少个人交易。 / Adopt public-to-public payments and minimize personal transactions.
• 保持账户活跃度，超过3个月不活动的账户很可能被清理。 / Keep the account active, accounts that have been inactive for more than 3 months are likely to be purged.
• 每年如期完成公司年审和审计。 / Complete company annual review and audit on schedule every year.
• 确保预留给银行的通讯地址、手机号码、邮箱有效，及时回复银行通知。 / Ensure that the mailing address, phone number, and email reserved for the bank are valid and respond to bank notifications promptly.

6. 如何在线联系我们 / 6. How to Contact Us Online