FTN account opening consultation

FTN account opening consultation：Processing conditions、List of Materials and Official References

FTN 账户开户咨询由开户银行（受当地央行/金融管理局监管），银行独立审核主管。Is it applicable、Handle according to which category of matters，Depends on the subject qualifications、Business activities and actual location/personnel arrangements；Newly established under the same name、change、continue、Cancellation handled separately，Cannot replace each other。

Scope of application：First determine which category it belongs to

Situations that usually require handling：

• 自贸区境外机构自由贸易账户（FTN）
• 需要为跨境收付、结算或持有资金开立账户的主体

Easily mistaken as needed、But situations that should be verified separately：

• 以账户代持、地下钱庄或规避外汇管理为目的的开户
• 无法说明业务背景与资金来源的空壳主体

Core Conditions (Checked Item by Item)

1. 账户类型与业务匹配：自贸区境外机构自由贸易账户（FTN）。
2. 开户主体真实存续，注册资料与董事股东信息一致。
3. 业务背景可核验：有合同、bill、网站或上下游流水。
4. 资金来源与用途可解释，符合反洗钱要求。
5. 董事/股东按要求到场或完成视频面签。

List of materials and common return points

Review and On-site Inspection Focus Points

• 难度评估：middle。适用自贸区分账核算规则，资金划转需符合规定
• 注册地址为虚拟地址、无实际办公，是拒开的高频原因。
• 股东来自高风险地区或业务涉及受制裁国家，通常直接拒绝。
• 仅提供注册文件、无业务合同与流水，银行无法完成尽职调查。

time limit、Validity Period and Subsequent Obligations

Cost structure (listed separately)，Avoid vague punches

银行开户一般不收费或收取少量开户费；可能有最低存款与账户管理费；秘书地址、公证翻译与顾问服务费另计。

Risk and Responsibility Boundaries

• 开户结果由银行独立决定，被拒通常不说明具体原因。
• 账户长期不用或被认定高风险，可能被冻结或关闭。
• 账户不得用于代收代付、虚拟货币交易等违规用途。

tidy：52 Daiban 苏令仪（公章刻制与银行开户顾问）｜内容复核：2026November 12Content Standards and Correction Policy

illustrate：This page is a guide for handling conditions and organizing materials，Does not constitute legal advice、Regulatory approval or approval commitment。Submit application、On-site verification、The issuance of certificates and the decision to open accounts are both independently made by the competent authority or the bank.；Specific scope of services、The costs and deliverables shall be subject to written authorization.。