Why You Need a Chinese Bank Account
A local bank account is essential for receiving scholarships, paying rent, and topping up WeChat Pay and Alipay without high foreign-card fees.
Best Banks for Students
- Bank of China — most international-friendly, good for transfers
- ICBC — largest bank, wide ATM network
- China Construction Bank — student accounts easy
- Agricultural Bank of China — many university branches
What to Bring
- Passport (valid)
- Admission letter or student ID
- Residence permit (once you have one)
- Chinese phone number
- Cash for initial deposit (¥10–100)
- Foreigner Permanent Registration Form (from local police)
The Process
- Go to a bank branch (morning, weekday)
- Tell staff you want to open an account (开账户)
- Show documents and fill forms
- Get your card (usually same day)
- Download the bank app, link to WeChat Pay & Alipay
Receiving Money from Home
Use Wise, Revolut, or bank wire transfers. SWIFT transfers take 3–5 days. Always include your full name, account number, and bank SWIFT code.