Online Banking FAQ
Premium Chequing Account
Other Currencies Account
Transfer & Remittance
Personal RMB Pre-settlement Remittance
RMB Cross-border Remittance
Electronic Fund Transfer(EFT)
Home Mortgage Loan
Secured Personal Line of Credit
Safety Deposit Box
Account Opening Witness Service (AOWS)
Personal Foreign Exchange
Student GIC Program
RMB Cross-border B2C Payment
UnionPay Online Payment
Premium Term Deposit
Registered Retirement Savings Plan (RRSP)
Tax Free Savings Account (TFSA)
CNH Premium Term Deposit
CUP Prepaid Card
VISA Credit Card
CUP Dual-Currency Credit Card
Accounts and Plans
Business Current Account
Business Smart Savings Account
Managing Cash Flow and Information
Cash Management Online
Commitment to SME
Sino-Canada Financial Services
Global Account Management
RMB Services Introduction
Crossborder RMB Policies
Rates and Fees
Account Opening Witness Services (AOWS)
Features & Benefits
Convenient：You can open a Canadian bank account before your departure, making your fund preparation at ease.
Chinese services: We provided the application forms in simplified Chinese, which helps you to better understand all terms and rights before submitting your application.
Secured and Fast：You can wire funds to your account immediately after the account is opened, avoiding the risks of carrying a large amount of cash
Multi-channel services: We not only provide physical outlets close to your home but also offer online banking, telephone banking, mobile banking, ATM / POS and other electronic services channel that allows you to enjoy the same convenient and efficient banking service experience as in China.
Comprehensive services: In addition to regular deposit and settlement services, we also provide you with a wide range of credit services, such as: home loans, car loans, line of credit, to help you in improving capital liquidity and establishing a good credit record locally.
Procedure and available locations
Submit valid ID documents (Chinese Citizen ID) and passport (including VISA and Study/Work Permit) to local branch, and complete an application form.
Upon confirming the completion of your documents, the Bank will open an account within three business days and send you an account opening confirmation letter. You could start wiring money to your account after verifying your account information.
Your debit card, personal checks, and PIN envelopes will be ready for pick up in our Canadian branches upon your arrival in Canada. Please bring along your Passport, confirmation letter and related documents for verification
AWOS available area：
When can I wire money to my account after applying for AOWS? Is there any wiring limit? When will the funds arrive?
The Bank will send you an account opening confirmation letter after three business days for your verification. You can start wiring funds to your account after confirming the information. Generally speaking, all funds will arrive in the next business day. Please refer to the standard guideline issued by State Administration of Foreign Exchange (SAFE) for annual remittance limit.
Can I use online banking and telephone banking immediately after opening the account?
No. Due to local banking regulations, the newly opened bank account is inactive. At this point, it is temporarily unable to carry out electronic services such as online banking. However, you are allowed to wire money into the account. You can activate the account and enjoy full services by showing your passport and confirmation documents upon arrival
Are there any services charges for AOWS?
The Bank will not charge any service fees, while witness agency may apply service charges. For all rates and fees related to our Personal Banking products, please refer to
"Rates & Fees"
Are there any differences between the account opened in Mainland China and the one opened in Canada?
Where can I use my Global Debit card?
You can access all ATMs and POS in Canada
You are able to complete account enquiry, cash withdrawal, and PIN change on any of the Bank’s ATMs and 2300 Exchange network ATMs (including HSBC, National Bank, and other well-known local banks) without any convenience fees.
You can withdraw cash from any ATMs in Mainland China (except PIN change, money transfer, or deposit) .
You can access any POS with UnionPay logo (or UnionPay alliance card agent) across the world.
What other services can the Bank provide other than day-to-day saving account?
In addition to offering traditional deposit and settlement services to meet your daily financial needs, we also provide you with a wide range of financial services, such as foreign exchange, loans, trade finance, and high interest CAD/USD/RMB term deposits to help you in achieving different financial goals.
What if there weren't any branches close to me?
The Bank offers online banking, telephone banking, mobile banking, and other diversified electronic services to assist you in managing your account wherever and whenever you see convenient without visiting the branch. In addition, you can access 2300 Exchange® ATMs across Canada to manage your account, such as account enquiry, cash withdrawal, and PIN changes.
How do I contact the Bank?
If you are currently living in China, call our Customer Service Hot Line in China at 95588, and choose 9 to speak to a representative for further information. If you are living in Canada, call 24*7 Customer Hotline at 1-877-779-5588.
Branch address and contact information
Tips and Suggestions
The Bank provides you with reliable, safe, fast, and convenient inward remittance services. We also waive your intermediate bank charges for remittance within the Bank Group and assure you of the fastest fund settlement.
to see complete inward remittance information