View My Profile

新加坡银行开户攻略

新加坡作为全球金融中心，吸引了大量企业和个人前来开户。近年来，得益于稳健的经济环境、完善的法制体系和低税率，新加坡成为了许多企业和个人的投资首选。对于首次在新加坡开户的新移民来说，开户过程可能较为复杂。

新加坡开户优势：

1. 资产隔离

作为亚洲的金融中心，新加坡拥有稳健的经济和健全的法治体系。根据2017年标普、穆迪和惠誉的评级报告，新加坡的长期主权评级均为“AAA，展望为“稳定”。与香港账户相比，新加坡作为独立国家，个人银行账户具有更高的私密性。

2. 超低税率

新加坡是全球税率最低的国家之一。与美、加、澳等发达国家相，新加坡的税收负担更轻：没有遗产税、资本利得税和股息税，能有效帮助投资者实现收益最大化。

3. 全球配置

投资者可选择单一货币账户或多货币账户，投资币种和产品种类丰富，投资范围覆盖全球市场。

4. 安全保密

新加坡银行高度重视客户隐私，金融管理局实施严格监管和惩罚机制，最大程度保障账户安全与隐私。

5. 方便快捷

新加坡账户不受外汇管制，资金可自由流动。账户可开通网银、电话银行和手机APP，方便客户进行转账、汇款和日常账户管理。

 

开户流程

  1. 选择银行类型：新加坡拥有多家知名银行，如华侨银行（OCBC）、大华银行（DBS）和联昌银行（UOB）等。根据个人需求（如跨境支付或理财服务），投资者可选择最合适的银行。
  2. 了解账户类型：新加坡银行提供个人账户、公司账户等，了解不同类型的账户以选择最适合的。
  3. 准备材料：开户时需要提供护照、公司注册证书、税务登记证等文件，确保资料完整和有效。
  4. 申请开户：您可以选择到银行现场开户或在线申请，在线申请更便捷。
  5. 审核与开户：银行会审核您的申请，审核通过后开设账户，可能需要提供补充材料或进行面试

 

开户注意事项

  1. 董事亲自到场：通常需要公司董事亲自到场办理开户，但部分银行可安排在附近分行或通过视频方式完成。开户前需确认银行的具体要求和所需资料。
  2. 公司名称敏感性：注册公司时，应避免使用敏感词汇如“金融”、“煤矿”、“石油”等，避免增加开户难度。
  3. 避免高风险国家交易：新加坡银行对资金来源和交易对象有严格规定，避免与高风险或受制裁国家或地区交易，以免账户被冻结或关闭。
  4. 不良记录影响开户：若公司董事或股东有不良银行记录，可能无法开设银行账户。确保所有相关人员的信用良好。

 

开户常见问题解答

1. 公司注册前可以开设银行账户吗？

不可以。公司必须完成注册并获取完整的公司资料后，才能开设银行账户。注册后，准备好所需文件，再选择银行开户。

2. 可以自由调动资金进出新加坡吗？

可以。新加坡没有外汇管制，您可以在正常商业操作下，自由调动资金进出新加坡。

3. 可以为新加坡公司开设多货币账户吗？

可以。新加坡银行通常允许开设多货币账户，具体服务取决于不同银行。选择国际银行通常能提供更多货币选项，便于国际交易。

4. 没有新加坡准证可以开户吗？

可以。如果没有长期准证，您可以开设贵宾账户，但账户余额通常要求达到20万新币或等值外币（具体要求视银行而定）。成功开户后，您可以利用账户资金进行理财、投资或购买保险等。

5. 新加坡公司多久可以使用银行账户收款？

新加坡公司注册时已进行一定的风险控制，银行审核相对宽松。提交资料后，通常在与开户经理面谈并递交申请材料后一周内即可成功开设账户并使用。

 

如何应对开户未通过

  • 了解拒绝原因：主动联系银行，了解未通过的具体原因。
  • 提供补充材料：根据银行反馈，准备所需的补充材料，并重新提交申请。
  • 选择其他银行：如果一家银行无法成功开户，您可以考虑尝试其他银行开设账户

 

在新加坡开设银行账户的流程虽然有一定的要求，但只要事先准备好相关资料，开户过程通常是顺利的。如果您有任何关于新加坡银行开户的问题，或者需要更多的咨询和帮助，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.

Published By:

Martin Hsia 乙未

你值得信賴的獨立理財顧問!

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。

我們信念:

我們每個人都能透過合理的理財和投資規劃，可以實現財富增值，更好地實現工作和家庭的平衡，使我們的生活更加美好。

 

A Little about me:

Hi I am Martin. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consultant and strive towards helping my client and their families to accumulate wealth and helping them grow their investment portfolios.

View My Profile
Contact Me

CONTACT US

  • 150 Beach Road #12-01/08, Gateway West Singapore 189720
  • +65 62221889
  • +65 62221019
  • feedback@fa.com.sg
Disclosure & Disclaimer

Privacy & Cookies Policy

Data Protection Policy

Terms of Use

Terms of Use - Mobile

Fair Dealing

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 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。
  • 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.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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

Scan for Contact Details

Enquiry

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Retirement Planning

Will I be able to retire comfortably?

Find Out Now

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 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。
  • 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.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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