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新加坡的银行账户（远程开户）

在全球经济蓬勃发展的时代，金融创新与多元化为高净值客户带来了更多专业、定制化的服务。海外私人银行，作为财富管理的顶级平台，专为高净值客户提供了一系列专业化、个性化的金融产品和服务。新加坡作为全球金融中心之一，吸引了大量有志于财富增值的投资者。在这里，银行账户的种类主要分为三类：

  1. 普通账户

  2. 贵宾账户

  3. 私人账户

账户是根据客户的资产规模来区分的。对于高净值客户而言，海外私人银行的服务不仅提供全面的财富管理方案，还包括定制化的投资咨询和税务规划，助力客户实现全球资产的多元化配置和稳健增长。

 

普通账户

普通零售银行为当地居民提供基础金融服务，通常不要求客户有较高资产，也不为海外客户提供开户服务。在新加坡，部分银行允许非本地居民开设账户，所需文件包括护照、签证、住址证明等，开户周期约为1-2周。

账户使用时，如遇问题，通常只能通过电话或线上客服解决。资金入账会受到监管，若金额超过10万新币，银行可能要求提供资金来源说明，若涉嫌不明资金来源，银行可能会关闭账户并上报金管局。

贵宾账户

贵宾银行账户对客户的资产要求较高，要求通常在20-30万新币以上。 这类客户可以享受更多专属服务和产品，如渣打的优先理财账户和汇丰的卓越理财。与普通账户相比，贵宾银行更注重客户关系，提供专业投资咨询和额外福利，如机票、酒店优惠等。

贵宾账户的最大优势是配有专属客户经理，客户可享受更便捷的服务。大多数非新加坡居民的海外客户倾向开设贵宾账户。开户所需文件包括护照、签证、住址证明、工作或在学证明、资产和资金来源证明等，开户周期为20-30天。后期使用中，客户可直接联系客户经理解决问题，并常常会收到理财和保险产品的推荐。

私人账户

私人银行是贵宾银行的升级版，通常要求300万美金的起步门槛，为高净值客户提供更灵活和个性化的服务，涵盖现金管理、资产配置、贷款融资、期货等业务，以及市面上难以获得的对冲基金、量化基金等投资工具。此外，客户无需繁琐流程即可快速获得贷款。开户周期为2-3个月，所需文件包括护照、签证、住址证明、在学或工作证明、个人简历、近3年完税证明、公司股份信息、资产证明及资金来源证明等。私人银行账户享有专属客户经理服务，提供更多投资渠道、产品和VIP特权，支持大额资金的正常进出。

通过不同层次的银行体系，客户可以根据自身需求选择合适的服务。私人银行不仅提供高级金融产品，还能帮助客户解决复杂的税务和法律问， 提供全方位的财富管理解决方案。与普通账户客户需要提供各种证明并通过审批才能获得贷款融资不同，私人银行客户可以直接贷款，且资金迅速到，银行也乐意为私行客户提供房贷支持，尤其在新加坡，低融资成本和快速贷款对投资理财提供了强大支持。

新加坡的银行账户（远程开户） — Engage

如需了解更多新加坡银行开户或财富管理资产配置问题，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Martin Hsia 乙未

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您好. 我是Martin.

在新加坡定居多年 ，從大學開始接觸理財 ，到現在累積4個房地產，目前是一名獨立理財顧問，專長是幫客戶客制化理財方案。

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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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  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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