How to Open a Business Account with China Construction Bank in Hong Kong

If you want to open a business bank account with China Construction Bank in Hong Kong, you've found the right guide.

China Construction Bank offers a range of business banking services, but the setup includes relatively high opening fees, in-person visit, and other requirements.

This guide provides an overview of  China Construction Bank and its business account, including

• Who’s eligible
• What documents you’ll need
• How much it costs
• How long the process usually takes
• The steps to get started. 

If you're based overseas or exploring your options, this article also introduces an alternative worth considering.

Established in 1954 and partially owned by the Chinese government, China Construction Bank, also known as CCB, is one of the biggest banks in China, with a main office in Beijing.

China Construction Bank (Asia) is a part of CCB that operates in Hong Kong. If you want to open a CCB account in Hong Kong, you will need to go through China Construction Bank (Asia) or CCB (Asia). This bank offers a wide range of services for personal, business, and enterprise needs, including accounts, cards, loans, trade finance, wealth management, and more.

In recognition of their contributions to sustainable finance, CCB (Asia) received five awards at the 'Hong Kong Green and Sustainable Finance Awards organised by the HKQAA. These awards highlight CCB (Asia)'s dedication to promoting sustainable development in the financial sector.

Most recently, in 2025, China Construction Bank (Asia) was also named Hong Kong’s Best Bank for Consumers.

CCB (Asia) provides a wide range of personal and business banking services. In this article, we focus on their commercial banking offerings.

Key Features

• Saving and checking business accounts in HKD, RMB, and USD.
• FPS payment, link corporate HKD and CNY accounts to mobile numbers or email addresses
• No restrictions on cash deposit
• UnionPay Business Card: year-round waiver on overseas transaction fees; tap-to-pay functionality in the Greater Bay Area
• Pre-assigned account number to support early business planning
• Access to online and mobile banking
• SME loans and other financing solutions
• All-in-one ERP integration
• Payroll management
• Bill payment options

For enterprise-level clients, CCB (Asia) also offers Cross-Border Finance and a suite of RMB products and services.

To help you get started smoothly, this section outlines the key eligibility requirements for opening a CCB (Asia) business account.

We couldn’t find a full list of eligible countries and territories on the CCB (Asia)website. However, for simple online account opening, only local Hong Kong companies with two beneficial owners, both holding HKIDs, are eligible.

That said, the bank’s application form includes a field for jurisdiction and lists options such as Mainland China, Taiwan, Hong Kong, the USA, and others. This suggests that companies from other regions may also be accepted, though it's highly likely that account opening in those cases won't be available online.

For the most accurate and up-to-date information, it's best to contact the CCB (Asia) team directly.

Legal entities that are allowed to open CCB (Asia) business accounts are:

• Limited Company
• Sole Proprietorship
• Partnership 
• Listed Company
• Government and public body
• Club / Society / Association
• Trustee

CCB (Asia) also accepts single-layer companies for online applications, provided they have no more than two connected parties, beneficial owners, or authorised persons, all of whom must hold Hong Kong Permanent Identity Cards (HKID). 

Here are the essential documents CCB (Asia) requires, along with the application form.

For all entity types

• Account mandate and account application form
• Business registration certificate
• Personal information of key individuals (Proprietors, Partners, Directors, Trustees, etc.) and Ultimate Beneficial Owner, including ID card or passport and proof of address
• Business proof, including documents like contracts, invoices, tax records, or audited financial statements.
• FATCA and CRS-related certificates
  

Additional documents for limited companies

• Certificate of incorporation
• Valid certificate of incumbency
• Memorandum and Articles of Association (M&A)/ Articles of Association 
• Ownership structure chart
• Board resolution to open an account and authorise users (if any)

The bank may request additional documents depending on the nature of your business. 

For detailed information, please refer to the required documentation for opening a corporate account on the CCB (Asia) website.

After gathering all required documents, make sure to fill out both the business account application form and the supplementary form.

You can also find a more detailed list of documents from their Banking Services Form Download page. 

For more information regarding the application form, please contact the CCB (Asia) team directly.

CCB (Asia) offers business clients an online account opening via the website 24/7. Here are the steps to complete the application.

Step 1: Go to the registration page. Please note that the access to the registration page is restricted to certain regions, such as Hong Kong and China, and is not available in countries like the United States.

Step 2: Fill in your personal information, including your name and business email.

Step 3: Enter your phone and mobile number. The number does not need to be a Hong Kong number and may be from any jurisdiction accepted in the dropdown list provided on the page. After you enter the number, you will need to fill in a 6-digit SMS verification code sent to the number.

Step 4: Complete the customer information (i.e., company name, company address, and your business entity)

Step 5: Upload your documents

Step 6: Submit the form.

The application process can be completed within 20 minutes, provided that you have all the necessary documents ready.

If you need to pause, you can resume your application using the reference number sent to your email.

After submitting your online application, the CCB (Asia) team will contact you to either schedule a signing appointment or request additional information from you.
Alternatively, you can contact the bank by phone at +852 2903 8366. A Customer Relationship Manager will follow up with you to guide you through the account opening process.

According to CCB (Asia), Hong Kong sole proprietorships, partnerships, and single-layer limited companies can open a business account in as little as one business day after the customer successfully schedules an appointment to sign documents and the bank confirms it has received all required paperwork. All beneficial owners must also hold a Hong Kong Identity Card (HKID).

For businesses with a more complex structure, the account opening process will take longer, though CCB (Asia) does not specify an exact timeframe.

*Company Search Fee is a charge for verifying your business details through official company registries. In other words, it is an administrative fee. 

For more information, please refer to CCB (Asia)’s banking service fees page

The CCB (Asia) team in Hong Kong can be reached through multiple channels, including

• Leave your information on the Query form for the bank to contact you back
• Email: customerservice@asia.ccb.com
• Chatbot: CCB (Asia) Online Chat Service
• Hotline: +852 2903 8366
• Phone: +852 2779 5533, Mon to Fri 8:30 am – 8:00 pm, Sat 8:30 am – 5:00 pm, except public holidays
• Corporate Customer Service Special Line: +852 2903 8366, Mon to Fri 9:00 am – 6:00 pm, except public holidays
• Visit a branch: Find the nearest branch on the CCB (Asia) website
• Post: P.O. Box 133, General Post Office, Hong Kong

Opening a CCB (Asia)business account involves a branch visit and an account opening fee starting from HKD 10,300. If you're based abroad and prefer not to visit a branch in Hong Kong, Statrys is an alternative.

Statrys is not a bank, but a licensed Money Service Operator (MSO) based in Hong Kong. It provides multi-currency business accounts for companies incorporated in Hong Kong, Singapore, and the British Virgin Islands (BVI).

Whether you're located in Hong Kong or overseas, you can apply 100% online. No HKID, no branch visit, and no opening fees.

Key Features:

✅ Hold and send funds in 11 currencies

✅ Local payments in 14 currencies

✅ International payments to and from 140+ countries

✅ Competitive FX rates starting from 0.1%

✅ Virtual and physical business cards

✅ 96% of accounts opened within 3 business days