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新加坡星展银行开户攻略｜全方位解读

新加坡作为国际金融中心，以其高质量的教育和工作机会，吸引了众多外国人。如果你计划在新加坡居住，无论是为了工作还是留学，一个本地银行账户是必不可少的。本文将详细介绍新加坡星展银行（DBS）的背景、开户条件、所需文件、开户流程以及其账户的优缺点。

1. 星展银行背景介绍🏦

星展银行，全称为Development Bank of Singapore，新加坡发展银行，早在1968年由淡马锡控股。星展银行一直致力于数字化转型，被誉为银行界的“Google”和“Facebook”。

2. 新加坡星展银行开户条件🔑

  • 居留身份：部分账户仅向新加坡公民或永久居民开放，但也有适合短期居住（如就业或留学）的外国人账户。
  • 年龄限制：日常往来账户通常要求18岁以上，储蓄账户则通常要求15/16岁以上。
  • 初始存款：开户时需要存入一定金额，具体金额因银行而异。
  • 最低账户结余：账户需维持一定的最低结余，否则银行可能会收取低结余服务费。

3. 新加坡星展银行账户所需文件📄

准备以下文件以确保开户顺利：

  • 有效护照📘
  • 有效签证（如Employment Pass、Student Pass、Dependent Pass）📜
  • 3个月内的住址证明（如电话费账单、银行月结单、政府信件）🏠
  • 在每个税务居住地的居留身份证明和纳税证明🧾
  • 在学证明或工作证明（如录取通知书、学生证、新加坡相关部门发出的IPA）🎓
  • Singpass 电子身份（仅适用于网上开户）📱

4. 新加坡星展银行开户流程🛠

线上开户： 大多数银行提供线上开户服务，但需要你拥有新加坡的电子身份证Singpass。外国人申请Singpass的条件是年满15岁并且拥有FIN号码。Singpass和MyInfo的结合使用可以帮助你快速填写个人信息，节省时间。

线下开户： 如果你无法或不愿意线上开户，可以直接前往银行分行办理。带齐所需文件，通常可以当日开户。一些银行如华侨银行，周一至周日均营业，即使平日忙碌，也能在周末办理开户。

5. 新加坡星展银行账户的优势✨

  • 非常安全：新加坡的金融环境世界顶尖，DBS连续多年被评为全球最安全的银行之一。
  • 多币种账户：DBS默认多币种账户，涵盖美元、新元、澳元、欧元等多种货币，方便全球交易。
  • 投资品种丰富，0 佣金：DBS提供丰富的投资产品，包括基金、股票、外汇等，经常有0佣金的促销活动。

6. 新加坡星展银行账户的不足❗

  • 最低结余要求高：丰盛理财账户需要35万新币，丰盛私人理财账户需要150万新币，私人银行账户则需要500万新币。这对普通用户来说可能门槛较高。

不过，如果你的资产达不到标准，星展银行也不会关闭账户，只会进行降级处理，影响并不大。

7. 远程开设星展银行账户的常见问题 FAQ📌

  • 要提供哪些文件？ 只需身份证和护照。
  • 需要律师见证吗？ 不需要。
  • 新加坡星展银行的汇款收费如何？ 星展银行提供的电汇服务收费较低，还有收费计算器可供使用，非常方便。

希望这篇攻略对大家有所帮助！如果有任何疑问或需要进一步的指导，欢迎在评论区留言，我们一起讨论哦~ 😊💬

📌小Tips：

  1. 提前在银行官网查询具体开户要求和流程。
  2. 带齐所有必需文件，确保顺利开户。
  3. 选择适合自己需求的账户类型，了解账户的收费及最低结余要求。

下一步？

我是宇思，和你一起看世界。

微信：bigwusister / WhatsApp：90088276

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新加坡星展银行开户攻略｜全方位解读 — Engage

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策