How to Open a Bank Account in Hong Kong [2026]: Required Documents, Choosing a Bank and Maintenance Costs

When you start researching how to open a bank account in Hong Kong, the first question you hit is whether it can be done from Japan. As of September 2026, we could not confirm any official remote account-opening route available to residents of Japan. HSBC's in-app overseas account opening is limited to passports from 15 countries and territories, and Japan is not among them. HSBC in Japan has withdrawn from personal banking and does not act as a contact point for overseas accounts either. In practice, this means you must visit a branch in Hong Kong in person. This article sets out the published conditions of five major banks, the documents to bring on the day, and the often-overlooked cost of maintaining the account after opening — the fee HSBC introduced in January 2026, and the rules under which accounts become dormant after 8 to 36 months depending on the account type. In this article, "non-resident" means a person who does not live in Hong Kong. Where we write that something "could not be confirmed", this does not mean the rule or service does not exist; it means we could not find it in the published materials. Please check directly with the bank concerned. If you would also like to compare banks in countries other than Hong Kong, or services such as Wise, see how to open an overseas bank account.

*Amounts and rules are as of September 18, 2026. This article is an English version of our Japanese guide, adapted for foreign residents of Japan and international investors. Many of the requirements described here were checked from the perspective of Japanese passport holders living in Japan; eligibility, documents and procedures can differ depending on your nationality and country of residence, so please confirm with the bank for your own situation.

*This article is a general explanation based on information published as of September 18, 2026 (each bank's official website and official fee schedules, materials published by the Government of the Hong Kong Special Administrative Region, materials published by Japan's National Tax Agency, the Bank of Japan and the Hong Kong Judiciary, and some press reports). Banks' practices may change without notice, and whether you can actually open an account depends on each bank's review. For specific tax decisions, please consult a tax accountant; for the interpretation of Hong Kong law, please consult a local professional.

For an overview of moving to Hong Kong and a list of related articles, see Hong Kong relocation: requirements and costs.

Summary: what happens when you open an account in Hong Kong in 2026

Of these, the two points where outdated information persists online are "there are no maintenance fees" and "the Japanese tax office won't know". Because HSBC introduced a fee for HSBC One accounts opened on or after January 1, 2026 by people without a Hong Kong ID, the first no longer holds, and the second has not held since 2018. Let's look at each in turn.

Our record of actually visiting branches in Hong Kong and opening an account is in Opening an HSBC Hong Kong account: our first-hand account.

Opening from Japan: no official route could be confirmed

You may see claims that you can open an account without going to Hong Kong, but as far as we can tell from each bank's official information as of September 2026, there is no confirmed legitimate remote account-opening route available to residents of Japan. There are two reasons.

Reason 1: HSBC's remote account opening does not cover Japanese passports

HSBC Hong Kong offers a way to open an account through its app even before arriving in Hong Kong. However, the eligible foreign passports are limited to 15 countries and territories: Australia, Belgium, Canada, India, Ireland, Italy, Jersey, Mexico, the Philippines, Singapore, South Africa, Taiwan, the United Kingdom, the United States and Vietnam, and Japan is not included. Other conditions include being aged 18 to 75 and not being an existing HSBC customer. If you hold one of these passports, check whether you qualify, as your options may differ from those described here.

Reason 2: HSBC in Japan is not a contact point for personal customers

In Japan, HSBC provides asset management, corporate banking, trade finance and securities custody services, but does not provide retail banking for individuals. Its official website states clearly that, in Japan, it does not provide retail services (including ATMs) to holders of overseas HSBC personal accounts, and directs them to contact the branch where their account is held.

In addition, Japan is not among the locations covered by the overseas account-opening service HSBC offers to existing customers in various countries. The assumption that "HSBC in Japan can arrange a Hong Kong account for you" does not hold as of 2026.

In short, no official route for opening from Japan could be confirmed, and the cost of travelling to and staying in Hong Kong is effectively your initial cost. Please also take into account, as explained below, the effort needed to maintain the account after opening.

Choosing a bank: comparing five major banks

Among Hong Kong's traditional retail banks, we compare the five that people from Japan most often consider, on three points: official statements on accepting non-residents, account maintenance fees, and whether a document checklist for non-residents is published. Online-only virtual banks are not covered in this article, as their treatment of non-residents varies widely from bank to bank.

How to choose your first bank

Within the current fee schedules we checked, HSBC was the only bank to introduce a new account maintenance fee for personal customers in 2026. In addition, only two banks — Hang Seng Bank and BEA — publish a document checklist for non-residents, so you can check in advance what to prepare. For BEA's i-Account, the official fee schedule (April 2026 edition) lists no minimum balance requirement and no account maintenance fee. The right account type depends on whether you want to keep a small amount there to try it out or move larger sums. Since fee conditions differ by account type, specify the account type when you apply and confirm the conditions.

At Standard Chartered, online account opening is limited to holders of a Hong Kong ID who live in Hong Kong or mainland China, and we could not confirm on its official website the procedure for non-residents opening an account at a branch. If you are considering it, please check with the bank directly in advance.

We found no rule obliging a bank to open an account for an applicant. You may be declined by one bank and accepted by another, or conversely be unable to open an account anywhere.

What changed in January 2026: HSBC's HK$100 monthly fee

For a long time, it was true that "Hong Kong accounts have no maintenance fees". HSBC abolished its fee for personal accounts falling below the minimum balance on August 1, 2019 (Hang Seng Bank's current fee schedule states that personal savings accounts are exempt, and Bank of China (Hong Kong) applies its fee to corporate customers only). In 2026, this trend was partially reversed at HSBC.

*The Premier monthly charge is a "Premier service fee", separate from the account maintenance fee abolished in 2019, and was not covered by the abolition.

HK$100 per month comes to HK$1,200 per year. Note that this fee applies only to "HSBC One accounts opened on or after January 1, 2026 by people without a Hong Kong ID". If you travel from Japan to open an account and choose HSBC One, you fall within this condition.

The way to avoid it is to keep your average Total Relationship Balance at HK$10,000 or more. The Total Relationship Balance (TRB) here means the combined total of deposits, investments, insurance and other holdings at the same bank, not just your savings account, and it is assessed as an average over a set period rather than at month-end. If you intend to leave only a small amount in the account untouched, another option is to choose a bank or account type with no maintenance fee.

For the exchange-rate costs of sending money from Japan to Hong Kong, see Exchange-rate costs (spreads) on international transfers: TTM, TTS and TTB. If you choose a bank on fees alone, exchange-rate differences can reverse the comparison.

What you need: documents to bring and the flow on the day

Of the five banks we researched, Hang Seng Bank and BEA publish a document checklist for non-residents. Adding the items on Bank of China (Hong Kong)'s account-opening application form, the requirements can be summarised as follows. We also show which banks' published materials mention each item.

On arrival in Hong Kong: do not throw away your landing slip

Since March 19, 2013, Hong Kong no longer stamps visitors' passports on entry. Instead, you receive a paper "landing slip" showing your name (in English), passport number, date of entry, conditions of stay and permitted period of stay. The Hong Kong Immigration Department advises visitors to keep the landing slip while staying in Hong Kong. This is how you show the "valid record of entry into Hong Kong" that Hang Seng Bank requires. Be sure to keep it with you until you have finished visiting the banks (the department states that losing it normally does not affect your departure, and a replacement is free). Holders of a Japanese passport can stay for 90 days without a visa; the visa-free period differs by nationality, so check the Immigration Department's information for your own passport.

What to prepare in Japan: proof of address and your My Number

A Japanese driving licence shows your current address and counts as the "government-issued photo driving licence" the banks mention. However, everything on it is in Japanese, so preparing one or two separate English-language proofs of address will help the check at the counter go smoothly. In Japan, the realistic options are an English-language balance certificate or account statement issued on request by your bank, and an English-language statement from your credit card company. These are often not issued on the same day and can take from a few days to a week, so start arranging them at least two weeks before your trip (very few electricity or gas companies issue English-language bills, so you cannot rely on them as proof of address). You should also be aware in advance that you will enter your My Number on the CRS self-certification form.

Under Hong Kong's Inland Revenue Ordinance, Hong Kong banks obtain a self-certification from account holders that includes their country of residence and taxpayer identification number (TIN). Japan's National Tax Agency has published that the TIN for individuals in Japan is the "Individual Number (My Number)". You may see statements that "My Number is not subject to reporting", but these concern reporting by Japanese financial institutions to the National Tax Agency about people who are not resident in Japan, a separate system from the Hong Kong banks' obligation to collect the information.

When documents need to be certified

BEA asks you either to present original documents or to submit copies certified by a Hong Kong lawyer, accountant, notary public or similar. When you use documents obtained in Japan, you may need an apostille (certification by Japan's Ministry of Foreign Affairs) or consular legalisation, together with a translation into English or Chinese. Our office handles obtaining apostilles, translations and certifications on your behalf (in Japanese) and obtaining family register (koseki) certificates from overseas (in Japanese).

The flow on the day, and reasons for refusal

Check the location and opening hours of the branch you plan to visit in advance using the branch search on each bank's official website. The branch closing time and the cut-off time for new account applications may differ, so please confirm this with the branch as well. Bank of China (Hong Kong) offers an advance appointment service (Easy Appointment) for opening accounts at its Hong Kong branches. We could not find any official statement that an appointment is mandatory, but booking before your visit is the safer option. HSBC's advance appointments are limited to Premier Elite and Premier customers; everyone else applies at a branch or via the hotline. We could not find any official guide to how long the process takes for a non-resident individual visiting a branch.

At the counter, you will answer the declaration items in the table above in English. Prepare a one-sentence explanation of your purpose for opening the account in English beforehand so the conversation goes smoothly. You may also be asked for a contact phone number and where you are staying in Hong Kong, so bring your hotel booking confirmation.

Once your account is open, set up online banking and collect your security device on the same day. At many banks, whether you can use online banking makes a big difference to how much effort reactivation from dormancy takes. How the device is delivered (handed over on the spot or sent by post) differs by bank, so ask at the counter.

We could not find any bank that publishes its reasons for refusal. According to the Hong Kong SAR Government's reply to the Legislative Council on June 18, 2025, banks are obliged to carry out customer due diligence (CDD) on applicants and may request additional information and documents depending on individual circumstances and their risk assessment. The same reply mentions that the Hong Kong Monetary Authority (HKMA) has reminded banks not to create unreasonable barriers for legitimate businesses and organisations, but this is aimed mainly at corporate customers, and we could not find equivalent guidance for non-resident individuals.

In June 2026, the South China Morning Post reported that Hong Kong banks had tightened their review of customers from mainland China (the HKMA commented that account-opening procedures were proceeding smoothly). Either way, we recommend that you do not plan your travel dates on the assumption that you will definitely be able to open an account.

After opening: time to dormancy and how to reactivate

What is easily overlooked is what happens if you do not use the account after opening it. Hong Kong banks treat accounts with no transactions for a certain period as dormant (dormant/inactive) and restrict transactions.

First, some terminology. Dormancy is the bank's practice of temporarily suspending deposits, withdrawals and other operations when an account has had no transactions for a period; your balance does not disappear. It is different from a "freeze", where the bank stops an individual account for reasons such as anti-money-laundering measures. Please check with each bank how balances are treated during dormancy and whether fees continue to be charged.

Two points need attention. First, Hang Seng Bank states clearly that interest credits and fee debits do not count as transactions. If you leave the account untouched, it will become dormant even if interest is being paid. We could not confirm from the published materials whether other banks treat these the same way. It is safest to assume they do not count.

Second, the means of reactivation differs from bank to bank. HSBC explains reactivation via online banking or the mobile app, but for this you need to have set up online banking when opening the account and to keep your security device. Likewise, at Hang Seng Bank you can complete the procedure via online banking as long as you have a registered mobile number and security device. BEA offers remote identity verification by phone for customers outside Hong Kong. This is exactly why setting up online banking on the day you open the account makes returning from dormancy much easier.

*We could not confirm Bank of China (Hong Kong)'s current dormant-account rules from its official fee schedule as of September 2026. Some guides quote figures from older fee schedules, but as we cannot confirm the current treatment, we do not include them in this article.

When the bank suspends or closes your account, and how to close it yourself

Separately from dormancy, the bank itself may suspend or close an account. According to the Hong Kong Government's reply to the Legislative Council (December 6, 2017), most cases in which banks closed accounts were ones where ongoing transaction monitoring had identified possibly suspicious transactions, or where the customer had failed to provide the information needed for customer due diligence. The Hong Kong Monetary Authority (HKMA) requires banks, except in exceptional cases, to give at least 30 days' notice before closing an account.

If you live in Japan, you may easily miss letters or emails from the bank asking you to confirm your address, occupation or source of funds, and the deadline may pass without a reply. Always keep the address, email address and mobile number registered with the bank up to date, and respond to the bank's requests for confirmation within the deadline.

If you want to close the account yourself, HSBC explains that you can either visit a branch in Hong Kong or send an account closure form by post. You specify how the remaining balance should be handled in the designated section of the form, and the account cannot be closed if your signature does not match the one on record. After closure, you can no longer view past statements in online banking, so download any statements you may need for inheritance or tax purposes before closing.

Your balance is reported to Japan's National Tax Agency every year

The claim that "if you open an account in Hong Kong, the Japanese tax office won't know" has not held since 2018. On October 26, 2016, the Government of the Hong Kong SAR announced that it would begin automatic exchange of financial account information (AEOI) with Japan and the United Kingdom in 2018, and Hong Kong's Inland Revenue Department lists Japan as a reportable jurisdiction.

Hong Kong financial institutions report to the Inland Revenue Department the account holder's name, address, country of residence, taxpayer identification number (My Number for residents of Japan) and date of birth, together with the account balance as of December 31 of that year and the total interest, dividends and similar amounts received during the year, and this information is passed on to Japan's National Tax Agency. There is no threshold.

The scale has also been published. In the 2024 administrative year (Reiwa 6), Japan received 2,745,374 CRS records, covering account balances of about JPY 17.7 trillion, from 101 countries and territories. In its "Overview of Information Exchange under Tax Treaties, etc. for the 2024 Administrative Year", the National Tax Agency published a case in which CRS information revealed that a company employee had failed to declare dividend income and similar income earned in an overseas securities account.

Your own reporting obligations depend on "amount thresholds"

On the other hand, holding an account overseas is itself lawful, and Japan has no system requiring you to notify the authorities that you have opened one. From here on, "resident" means a resident under Japan's Income Tax Act, a different concept from the "non-resident (a person who does not live in Hong Kong)" used in the earlier sections. Obligations to file statements arise when the following amount thresholds are exceeded. In the table below, the ones you must file yourself are the Statement of Overseas Assets, the Statement of Assets and Liabilities, and the report under the Foreign Exchange and Foreign Trade Act; the Statement of Overseas Assets applies to residents other than non-permanent residents. It may no longer apply from the year in which you move your address abroad.

In its FAQ on the Statement of Overseas Assets, the National Tax Agency states that the location of a deposit is determined by "the location of the office that accepted the deposit". On this basis, an account opened at a Hong Kong bank counts as an overseas asset, while a foreign-currency deposit opened at a branch of a bank in Japan does not. Please consult a tax accountant about how your own assets should be classified.

Note that everything so far concerns the obligation to file statements (reports). Income arising from the account, such as interest and foreign-exchange gains, may need to be declared for income tax regardless of these thresholds. This can apply even if your overseas assets do not exceed JPY 50 million. Where a return is required, the filing period is in principle February 16 to March 15 of the following year, which differs from the June 30 deadline for the Statement of Overseas Assets. Please consult a tax accountant about the specific treatment.

Failing to file the Statement of Overseas Assets without good reason, or making a false entry in it, is punishable by imprisonment of up to one year or a fine of up to JPY 500,000. In addition, if an asset is listed in the statement, the penalty tax for under-declaration is reduced by 5%; if the statement is not filed or is incomplete, it is increased by 5%. If you fail to provide documents within 60 days of being asked to, it is increased by 10%.

Tax issues arising from moving abroad itself are covered in taxes and resident registration procedures when moving abroad. According to the National Tax Agency's Tax Answer No. 1478, the assets subject to Japan's exit tax are securities, interests in silent partnership (tokumei kumiai) contracts, and unsettled margin and derivative transactions; bank deposits are not listed.

What happens on inheritance

On inheritance, Japanese procedures alone will not release funds from a Hong Kong account.

Hong Kong has no estate duty. It was abolished for deaths on or after February 11, 2006. However, this concerns Hong Kong tax only; Japanese inheritance tax applies regardless of where the assets are located. An heir domiciled in Japan at the time of the inheritance is taxed on all assets acquired. The claim that "there is no inheritance tax because Hong Kong has none" is wrong on two counts: (1) what Hong Kong abolished was estate duty, not Japanese inheritance tax; and (2) Japanese inheritance tax applies regardless of where the assets are located.

In practice, the more troublesome point is that releasing funds from a Hong Kong account in principle requires a Grant of Representation from the High Court of Hong Kong. We could not confirm any practice of paying out on the basis of a Japanese estate division agreement alone. Within what we could confirm, there are two simplified procedures that do not require a Grant of Representation.

These two differ not only by amount but also by the type of assets covered. If the estate is money only and HK$50,000 or less, it is a Notice of Confirmation from the Home Affairs Department; if it is only cash, deposits in the sole name of the deceased and MPF and HK$150,000 or less, it is summary administration by the High Court's Official Administrator; if neither applies, the formal High Court procedure is needed. The deadline for filing a Japanese inheritance tax return is within 10 months from the day after you learn that the inheritance has commenced, so if the Hong Kong procedure is not completed in time, you may have to file before the full picture of the estate is settled.

For these procedures, documents obtained in Japan — such as family register (koseki) certificates, certificates of removal from the family register and death certificates — must be certified with an apostille and translated into English or Chinese before submission. This is an area our office handles (obtaining apostilles, translations and certifications on your behalf (in Japanese), obtaining family register (koseki) certificates from overseas (in Japanese)).

If your family does not know the account exists, the process never starts

All of these procedures assume that the bereaved family knows the account exists. Overseas accounts are easily overlooked in Japanese inheritance, and if statements are only issued electronically, the family has no chance of noticing them in the post. It is possible for the National Tax Agency to have received the balance through the CRS while only the family remains unaware. Write the bank name, branch, account number, account type, online banking ID and where your security device is kept on a single sheet, and leave it with your family or in an end-of-life planning note. We also recommend checking, when you open the account, how to close it if you no longer use it (BEA, Standard Chartered and Bank of China (Hong Kong) publish fees for closing an account within three months of opening).

According to the National Tax Agency, 1,359 of its on-site inheritance tax audits in the 2024 administrative year involved overseas assets (143.5% of the previous year), and the undeclared taxable value relating to overseas assets was JPY 51.4 billion (126.1% of the previous year). Of this, JPY 9.7 billion was subject to heavy additional tax (155.5% of the previous year). Overseas assets are increasingly a focus of audits.

Frequently asked questions

Can I open a Hong Kong bank account while in Japan?

As of September 2026, no legitimate remote account-opening route available to residents of Japan could be confirmed. HSBC Hong Kong's in-app account opening is limited to passports from 15 countries and territories, and Japan is not included. HSBC in Japan does not provide retail banking for individuals and does not act as a contact point for overseas accounts. You should expect to visit a branch in Hong Kong in person. If you hold a passport from one of the eligible countries, your options may differ.

If I have an account in Hong Kong, will the Japanese tax office know?

Yes. Hong Kong treats Japan as a reportable jurisdiction, and automatic exchange of information under the CRS has been in place since 2018. Each year, the account balance as of December 31 and the total interest, dividends and similar amounts received during the year are sent to Japan's National Tax Agency, together with your name, country of residence and My Number. There is no threshold.

What is the minimum amount needed to open an account?

None of the five banks we researched officially publishes a minimum initial deposit. This means it is not published; you may still be asked for an initial deposit at the counter. On the other hand, the conditions for maintaining the account after opening are published. For HSBC One, accounts opened on or after January 1, 2026 by people without a Hong Kong ID are charged HK$100 per month if the average Total Relationship Balance falls below HK$10,000 for three consecutive months. Some account types, such as BEA's i-Account, have no minimum balance listed in the official fee schedule.

Can I open an account on a short visa-free trip?

We could not find anything in the banks' published materials that excludes short stays for tourism. Holders of a Japanese passport can stay for 90 days without a visa (this differs by nationality), and the "valid record of entry into Hong Kong" required by Hang Seng Bank can be shown with the landing slip. However, having entered Hong Kong does not mean you will be able to open an account; there is a separate review that covers your source of funds and the purpose of the account.

What happens if I leave the account unused?

At HSBC and Hang Seng Bank, many accounts become dormant after 24 months; at Standard Chartered, current and integrated accounts after 12 months; and at BEA after 12 months or more. Hang Seng Bank states clearly that interest credits and fee debits are not treated as transactions. Reactivation methods differ by bank; HSBC says it can be done via online banking, the mobile app, by phone or at a branch in Hong Kong (only investment accounts require identity verification with your phone banking PIN or submitting documents at a Hong Kong branch). Doing it online requires a security device, so we recommend setting up online banking when you open the account.

I have heard Hong Kong has no inheritance tax. Is that true?

Hong Kong's estate duty was abolished for deaths on or after February 11, 2006, so that part is true. However, Japanese inheritance tax applies regardless of where the assets are located, so Hong Kong deposits are also subject to Japanese inheritance tax where Japanese inheritance tax applies. In addition, releasing funds from the account in principle requires a Grant of Representation from the High Court of Hong Kong.

What about using an account-opening agent?

Our office neither introduces banks nor opens accounts on clients' behalf, so we are not in a position to evaluate particular agents. As points to consider, bear in mind that (1) claims that an account "will definitely be opened" that are not stated on the bank's official website have no basis, and (2) making a false statement on the CRS self-certification can result in a fine in Hong Kong.

Summary

As of September 2026, opening a bank account in Hong Kong from Japan requires visiting a branch in Hong Kong in person. When choosing a bank, check not only its reputation but also the conditions of any account maintenance fee and how to reactivate the account after dormancy. HSBC charges HK$100 per month for HSBC One accounts opened on or after January 1, 2026 by people without a Hong Kong ID if the average Total Relationship Balance falls below HK$10,000 for three consecutive months, and explains that reactivation from dormancy can be done via online banking, the mobile app, by phone or at a branch in Hong Kong.

And while holding an account is itself lawful, the balance is reported to Japan's National Tax Agency every year under the CRS. A resident of Japan (other than a non-permanent resident) whose overseas assets exceed JPY 50 million must file a Statement of Overseas Assets by June 30 of the following year, and after death, a procedure in Hong Kong is in principle required. Please take into account that filing obligations arise while you are a resident of Japan, and that, wherever you live, a Hong Kong procedure is required on inheritance. How to choose an overseas account without limiting yourself to one country is explained in how to open an overseas bank account, and what happens to your Japanese accounts if you move abroad is explained in what happens to your Japanese bank accounts when you move abroad?

Our record of actually visiting the branches is in Opening an HSBC Hong Kong account: our first-hand account, and the asset-protection perspective is covered in thinking about measures against a deposit freeze. Visas, rent and taxes for living in Hong Kong are explained in Hong Kong relocation: requirements and costs.

References (primary sources)

• National Tax Agency, Tax Answer No. 2020: Final tax returns
• Bank of Japan: Reporting under the Foreign Exchange and Foreign Trade Act (reports on payments or receipts)
• Hong Kong Immigration Department: Non-stamping immigration clearance (landing slips)
• Hong Kong Immigration Department: Visa-free countries and territories and permitted stays (90 days for Japan)
• National Tax Agency, Tax Answer No. 4205: Filing and paying inheritance tax
• Ministry of Foreign Affairs of Japan: Certification of official seals and apostilles
• Hong Kong Judiciary: Guide to probate procedures (Guide to Court Services)
• South China Morning Post: Hong Kong banks tighten review of mainland customers (June 6, 2026)
• National Tax Agency: Start of automatic exchange of CRS information (first exchange by September 2018)
• HSBC Hong Kong: Banking in Hong Kong (account opening for non-residents)
• HSBC Hong Kong: Account opening via the mobile app (15 eligible passport countries and territories)
• HSBC Hong Kong: HSBC One (minimum balance and monthly fee)
• HSBC Hong Kong: HSBC Premier
• HSBC Hong Kong: Removal of below-balance fees (August 1, 2019)
• HSBC Hong Kong: International account opening service (eligible locations)
• HSBC Japan: Notice to personal customers (no retail banking in Japan)
• HSBC Hong Kong: Account FAQ (reactivating dormant accounts)
• HSBC Hong Kong: Former FAQ (months until dormancy)
• Bank of China (Hong Kong): Advance appointments for account opening at Hong Kong branches (Easy Appointment)
• Hang Seng Bank: Account opening document checklist (non-residents)
• Hang Seng Bank: Personal banking tariff (effective July 1, 2026)
• Hang Seng Bank: Reactivating inactive accounts
• Bank of China (Hong Kong): Account opening FAQ (May 2026 edition)
• Bank of China (Hong Kong): Personal account opening application form (CB-A001)
• Bank of China (Hong Kong): Service charges
• Standard Chartered Hong Kong: Conditions for mobile account opening
• Standard Chartered Hong Kong: Service charges
• Standard Chartered Hong Kong: Dormant accounts
• Bank of East Asia (BEA): Documents required to open a personal account
• Bank of East Asia (BEA): i-Account charges (April 2026)
• Bank of East Asia (BEA): FAQ on dormant accounts (December 2025)
• Government of the Hong Kong SAR: Reply to LegCo question LCQ16 (June 18, 2025; account opening and customer due diligence)
• Government of the Hong Kong SAR: Announcement of AEOI with Japan and the UK (October 26, 2016)
• Hong Kong Inland Revenue Department (IRD): List of reportable jurisdictions
• Hong Kong Inland Revenue Department (IRD): AEOI FAQ (self-certification and TIN)
• Hong Kong Inland Revenue Department (IRD): Estate duty (abolished for deaths on or after February 11, 2006)
• Hong Kong Judiciary: Probate Registry
• Hong Kong Home Affairs Department: Small estates procedure (updated July 21, 2026)
• National Tax Agency: CRS (Common Reporting Standard) section
• National Tax Agency: Overview of information exchange under tax treaties, etc. for the 2024 administrative year
• National Tax Agency: Taxpayer identification numbers by country and territory (My Number for individuals in Japan)
• National Tax Agency, Tax Answer No. 7456: Obligation to file the Statement of Overseas Assets
• National Tax Agency: FAQ on the Statement of Overseas Assets (location of deposits, filing deadline)
• National Tax Agency, Tax Answer No. 7457: Obligation to file the Statement of Assets and Liabilities
• National Tax Agency: Report on Overseas Remittances, etc.
• National Tax Agency, Tax Answer No. 4102: When inheritance tax applies
• National Tax Agency: Status of inheritance tax audits in the 2024 administrative year
• National Tax Agency, Tax Answer No. 1478: Exit tax system
• Bank of Japan: FAQ on reports under the Foreign Exchange and Foreign Trade Act (reports on payments or receipts; September 2026)
• Mitsubishi UFJ Research and Consulting: Foreign exchange rates (mid-rates)
• Hong Kong Government: LegCo reply on "Closure of customer accounts by banks" (December 6, 2017)

The rules and fees in this article are as of September 18, 2026 (the section on account closure is as of October 9, 2026).