Overseas companies · China banking

FTN & NRA account opening in China.
For your overseas company.

Need a China bank account for supplier payments or trade receipts? We help overseas companies prepare FTN and NRA applications, explain their business and coordinate the next steps with the bank.

Discuss your application →Chat on WhatsApp

We work with clients in English. Chinese bank documents and communication are coordinated locally in Shanghai.

Start with the transaction, then choose the account.

An NRA or FTN account is held by an overseas entity at a bank in mainland China. You do not need to establish a Chinese subsidiary solely to be the account holder. The bank still decides which company profiles, account types and transactions it can accept.

NRA · Non-resident account

NRA accounts sit under the overseas-institution account framework. RMB and foreign-currency NRA accounts follow different rules. Confirm the currency, settlement purpose and bank capabilities before choosing.

FTN · Free trade non-resident account

FTN accounts sit within a free trade separate-accounting framework at participating banks. They are not an unrestricted payment channel. Availability and permitted activity depend on the bank and applicable rules.

Four things to explain before applying.

Your company

Registration country, company age, ownership and the individuals who ultimately own or control it.

Your trade

Goods or services, genuine customers and suppliers, and the commercial reason for an account in China.

Your payments

Currencies, estimated volume, countries involved and the source and use of funds. Mark estimates as estimates.

Your evidence

Company records, identity documents and genuine contracts, invoices or other available business records.

How Supro helps.

Initial discussion

Tell us your registration country, business and intended payments. We identify questions to clarify with the bank.

Document preparation

We help organise the requested file and check that business, ownership and transaction explanations agree.

Bank coordination

We coordinate questions, requests for additional information and practical arrangements. The bank makes the approval decision.

Practical questions before you start.

Can a Hong Kong company apply?

A Hong Kong company is an overseas entity for these account frameworks. Eligibility for a particular account is subject to the bank’s current policy and due diligence. Registration alone does not guarantee approval.

Can the account be opened remotely?

Do not assume that remote opening is available. Ask the chosen bank which directors, representatives or owners must attend, whether video verification is accepted, and whether original or certified documents are required.

How much does it cost?

Bank charges and Supro’s service fee are separate. Costs depend on the requested work, account and bank; translation, certification or travel may be additional. Ask for the scope and a written quote before proceeding.

What if a bank has rejected the application?

First clarify whether it needs more information or has declined the relationship. We can help organise genuine supporting records and the questions to ask. We cannot guarantee a different decision or bypass compliance requirements.

Supro · Shanghai

Tell us what you need the account to do.

The first conversation is free. Share a short business summary; there is no need to upload bank statements or identity documents here.