新加坡华侨银行英文名为 Oversea-Chinese Banking Corporation Limited,作为新加坡第二大银行,也是目前少有的支持国内用户全套国内资料直接线上开户的正规银行。
📌
这里说下个人觉得觉得不错的理由吧:
- 离岸账户
- 在家就能开,且无资金门槛要求(相比于香港账户,需要赴港开通或者很高的资金门槛)
- 可投资港股、美股、新加坡股市
- 有实体借记卡
- 可给wise激活入金,或者其他海外支付
注册条件
- 国内电话
- 护照
- 身份证
- 支持NFC的手机
- 最好是用苹果手机注册,出问题的概率少(建议固定手机,换设备很麻烦)
注册流程
下载APP
GooglePlay:
OCBC Digital – Mobile Banking – Apps on Google Play
Access mobile banking services easily through the OCBC Digital app.
![OCBC Digital - Mobile Banking - Apps on Google Play](https://biquanzhijia.com/wp-content/uploads/2024/03/Uxi8Xz_8DW2fDlFYkZ5z7HEfznsUJfJIyYmq0l2T86L_4Si8847lP4o0_51RWcBWdQw600-h300-pc0xffffff-pdte199e5ad-5624-4a2f-b714-7bf7fb5414a1.png)
Appstore:
OCBC Digital – Mobile Banking
![OCBC Digital - Mobile Banking](https://biquanzhijia.com/wp-content/uploads/2024/03/1200x630wa.png)
开始注册
打开APP,选择中文,点击“注册新用户”
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fa7f61902-e80b-421f-91ea-986fc4def06a%2FUntitled.png?table=block&id=68ba1501-608b-487a-94da-fcaeccb746d7&t=68ba1501-608b-487a-94da-fcaeccb746d7&width=571&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F4e360863-e948-464f-8c67-2b5297942e64%2FUntitled.png?table=block&id=5e0f4c5d-6c5a-45aa-86f6-e3b295c800ce&t=5e0f4c5d-6c5a-45aa-86f6-e3b295c800ce&width=571&cache=v2)
选择“持有电子护照的外国人”,然后开始申请
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F0a3a5417-f116-4193-aa68-e6660b14d0e8%2FUntitled.png?table=block&id=bae87fc7-3134-42fb-9bb0-154771ac7bb0&t=bae87fc7-3134-42fb-9bb0-154771ac7bb0&width=2000&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F62920fba-b662-469e-aa8c-4d9def0eb3de%2FUntitled.png?table=block&id=bf9dd5cd-965a-47b8-bfe3-98baeb22606f&t=bf9dd5cd-965a-47b8-bfe3-98baeb22606f&width=571&cache=v2)
📌
如果方便的话,可以填下我的邀请码:I9TP37JB 注册后,如果在30天内完成入金1000新币,可以拿到15新币奖励(差不多到账后,隔一会奖励就会下发了),请留意入金时间。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc8c9a911-f31f-44d4-bb50-b3551609cb92%2FUntitled.png?table=block&id=f30b8c08-830e-4685-a7b4-d76136acaf9d&t=f30b8c08-830e-4685-a7b4-d76136acaf9d&width=703&cache=v2)
接下来,最好是填+86的主力电话,提供电子邮箱
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F50dc0867-a436-4045-b171-d7b86c2967bc%2FUntitled.png?table=block&id=d651c56a-d5ab-4586-afc0-d5c71dff28ce&t=d651c56a-d5ab-4586-afc0-d5c71dff28ce&width=768&cache=v2)
扫描护照条形码信息,这里需要有点耐心
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Ff2da95a7-05cd-4242-88b2-5eb2c323aaca%2FUntitled.png?table=block&id=8430df7f-eb4f-43ea-977d-519ab519e10c&t=8430df7f-eb4f-43ea-977d-519ab519e10c&width=1240&cache=v2)
NFC读取护照信息,手机需要支持NFC功能 将护照合上,手机放在护照上面即可读取芯片信息了
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F29b86891-855d-4f5d-baa9-652f6a9cadac%2FUntitled.png?table=block&id=61ce1b7e-6196-4274-b759-22ac3043ca01&t=61ce1b7e-6196-4274-b759-22ac3043ca01&width=1240&cache=v2)
扫描身份证正反面 不得不吐槽,这里可能会出现部分手机,拍照时镜头聚焦问题,实在不行,只能换手机注册了
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F6083db1a-f393-462a-bbf8-0b77a58f1bc5%2FUntitled.png?table=block&id=fb599068-9f25-48fc-ad07-a333381e63b5&t=fb599068-9f25-48fc-ad07-a333381e63b5&width=1240&cache=v2)
完成一段自拍
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F7041b793-7507-4c38-b523-8282c125071f%2FUntitled.png?table=block&id=cb0c5cbf-7a01-4926-a8cd-3cf8e80ad8c0&t=cb0c5cbf-7a01-4926-a8cd-3cf8e80ad8c0&width=768&cache=v2)
接下来是填写一些就业和税务信息
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb523d225-5a0d-418a-be2b-6c0119f1f621%2FUntitled.png?table=block&id=7e3a188c-10b4-4414-9316-b539134bab48&t=7e3a188c-10b4-4414-9316-b539134bab48&width=768&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Ffc213d6d-115b-4e30-997a-abd88fea7f3d%2FUntitled.png?table=block&id=bb2f318d-8ea3-4a1d-80ff-fed3a703fdac&t=bb2f318d-8ea3-4a1d-80ff-fed3a703fdac&width=1240&cache=v2)
后面会有一项填写地址的,如果你的居住地址和身份证地址不一致。关闭“使用我的登记地址”,再另外填写你能收到纸质邮件的地址,实体卡和信件是通过挂号信邮寄过来的。
到了这里,注册流程就完成了。
此时会出现三种情况:
- 秒批,恭喜,进入后面账户设置流程
- 提示需要审核,一般等待几天后就会收到邮件通过了,再打开APP继续后面的流程
- 秒拒(这个无解)
账号设置
开始设置登录账号和密码
在网页版登录时又会叫Access code和PIN
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F576c8713-7552-4fa9-bf42-420d24cc8d69%2FUntitled.png?table=block&id=23cc258d-ec28-4c16-8d9b-0f65ea7b6c25&t=23cc258d-ec28-4c16-8d9b-0f65ea7b6c25&width=563&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fce2117bc-6ecb-4ff6-ba18-33a4322b83bb%2FUntitled.png?table=block&id=c61eaad2-136f-4142-84e9-5bca91b9c447&t=c61eaad2-136f-4142-84e9-5bca91b9c447&width=1238&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fbb73402f-55df-4453-b1fe-812d901d63a7%2FUntitled.png?table=block&id=071d2767-8796-477c-be7e-37ce6e0b6fd7&t=071d2767-8796-477c-be7e-37ce6e0b6fd7&width=1240&cache=v2)
注册完成后,请不要直接卸载应用,账号会绑定设备,更换设备很麻烦
注册完成后,请不要直接卸载应用,账号会绑定设备,更换设备很麻烦
申请360账户和银行卡
开户完成后,在APP里,先去申请360账户,并申请借记卡
借记卡会通过挂号信邮寄过来,请确保你的家里能收到邮件; 申请后隔一两天后,可电话联系客服索要快递单号。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb2c23265-9c0a-4136-8daf-31e2ca5e4a45%2FUntitled.png?table=block&id=1c179264-92ea-4f5d-9931-40129e895634&t=1c179264-92ea-4f5d-9931-40129e895634&width=1233&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F24b5479d-49bd-4b14-ab1f-cacdad115fc9%2FUntitled.png?table=block&id=b3ce1af9-1978-44d8-8210-d925a361e8c7&t=b3ce1af9-1978-44d8-8210-d925a361e8c7&width=1242&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fd2f25c16-936f-4423-b32d-d4b4d27be9e3%2FUntitled.png?table=block&id=10210e8e-018c-4eae-953f-28570dfa7e92&t=10210e8e-018c-4eae-953f-28570dfa7e92&width=1242&cache=v2)
注意事项:在申请卡的时候,最后面是能看到卡号的,并且有cvv,此时卡是能直接使用的
但是在收到实体卡后,前面的cvv会失效,以实体卡的cvv为准
如果你忘记抄下卡信息,可以在网页端登录,按照电子邮件指示
OCBC 网站 > 个人银行 > 个人银行 > 卡 > 查看所有卡 >借记卡 > 选择华侨银行借记卡下的“了解更多”> 选择“申请或检索详细信息”并输入您的唯一参考代码
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F49b7ce12-37f0-42ba-847f-548db83b1bcd%2FUntitled.png?table=block&id=77f9fbbe-c6ee-4678-88c0-1136385019a2&t=77f9fbbe-c6ee-4678-88c0-1136385019a2&width=1280&cache=v2)
入金
OCBC需要同名转账入金激活
📢
电汇资料 银行名:Oversea-Chinese Banking Corporation Ltd
OCBC电汇代码:OCBCSGSGXXX 地址:65 Chulia Street, OCBC Centre, Singapore, 049513 账户:你的360或者STS账户号码
1.国内电汇(可用于验证激活账户)
推荐使用兴业寰宇/工商银行直接电汇,有中转行费用 如果你想入金1000新币,请一次至少电汇1030新币
2.wise入金(可用于验证激活账户)
wise转换新币后,通过本地银行账户转账,输入你的账号,秒到
注意账户持有人可能要写:Zhang San
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F03e082f3-acec-43b0-b368-979e4a6d2681%2FUntitled.png?table=block&id=83b07369-63de-46fe-ac81-a31e71ce84b4&t=83b07369-63de-46fe-ac81-a31e71ce84b4&width=1010&cache=v2)
3.香港银行或者其他银行转账(可用于验证激活账户)
在香港银行换汇后汇入OCBC,实测HSBC HK汇新币,0手续费
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Ff076e82c-e1fe-4bea-a98a-1a5a5670886e%2FUntitled.png?table=block&id=31675589-d555-40f9-bbd1-f5f00ccbd955&t=31675589-d555-40f9-bbd1-f5f00ccbd955&width=1239&cache=v2)
4.新加坡本地券商GIRO(不可用于激活)
比绑定如FSM one SG(通过奕丰环球转账转入资金)
出金
1.激活wise
使用Paynow,用OCBC扫码支付即可,秒到
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc6dbcff1-f52a-4df2-bbea-7060ade34c18%2FUntitled.png?table=block&id=4b5885da-db6e-4839-87f8-4c7c93f4cb6a&t=4b5885da-db6e-4839-87f8-4c7c93f4cb6a&width=694&cache=v2)
2.GIRO绑定FSM One
实现SG-HK-MY-UK流转
3.券商理财
Moomoo SG,老虎、IBKR(盈透)等券商入金,做全球投资理财
4.消费
OCBC App 支持扫支付宝和银联二维码支付,支持个人支付宝二维码。手续费大概在 2%。
借记卡国内 ATM 机取款手续费挺高的,好像是收 3 %点多。
在新加坡,马来西亚,港澳的华侨银行 ATM 机取款没有手续费。
账户管理费
所有账户首年免账户管理费,开户 6 个月内关户需要收取 30 新元的关户费。
第 2 年开始的管理费:
STS 账户:外国人日均存款不超过2万新元 收取 10 新元/月
GSA 账户:不需要管理费
360 账户(存款利率较高):外国人日均存款不超过 3000 新元 收取 2 新元/月
MSA 账户(Monthly Savings Account): 日均存款不超过 500 新元 收取 2 新元/月
所以,开户6个月后一般会,找客服,做如下操作:
- 关闭STS 账户
- 有条件的话,保留360账户,维持日均3000新币
- 或者关闭360账户,保持MSA账户,维持日均500新币
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