Online Business Account opening

Open a Business Account online in as fast as 1 business day¹

Why you will love this
Who can apply online

Why you will love this

HKD 0 account opening or monthly fees²

No minimum balance²

Apply online – no documents needed³

Competitive real-time FX rates⁴

Who can apply online

Sole proprietorships, partnerships, or limited companies (with up to 2 partners or directors) registered in Hong Kong

Business owner and relevant parties⁵ with Hong Kong Permanent ID Card

Not having any corporate shareholders

Already started your application for the OCBC Business Account? Resume your application.

Apply now

Why choose OCBC

Grow your business with Hong Kong’s Best Bank for SMEs

There’s a reason why OCBC was named the “Best Commercial Bank (SMEs) in Hong Kong” in 2024 by FinanceAsia. Our unmatched experience and unwavering support and world-class solutions will help your company thrive.

EXCLUSIVE WELCOME OFFERS FOR SMES

We want to welcome you in a meaningful way. Open your Business Account in as fast as 1 business day¹ online with absolutely no fees and enjoy a host of time-limited offers. Terms and conditions apply.

Zero fees

when you open an account

No account opening fee²
No monthly maintenance fee²
No minimum balance ²
No company search fee²

Free

Internet and Mobile Banking

Manage your business anytime, anywhere with free access to OCBC Velocity and the OCBC Business Mobile Banking app.

Rebate

the transaction fee of remittance

Enjoy a 50% rebate on remittance transaction fees for the first 4 months upon opening an account.⁶

Annual fee waiver

on your Business Debit Card

Take charge of your spending with a Business Debit Card and pay no annual fees for the first year.

Smart solutions for SMEs

Take banking to the next level! Say goodbye to lengthy paperwork and long waits at branches.

Multi-currency account

Simplify your banking by consolidating your current, statement savings and time deposit accounts into one
Trade and hold up to 15 major currencies to conduct business beyond borders with our FX Online platform⁴

One card for all your needs

Enjoy convenient spending with your Business Debit Card
Monthly statement showing all card transactions of in-store and online payments
With competitive FX rates⁴, you can spend like a local anywhere in the world

Competitive real-time FX exchange rates

View foreign exchange rates in real time via OCBC Velocity⁴
Make instant, secure currency exchanges online

Send and receive money in a flash via the Faster Payment System (FPS)

Attract more customers by enabling FPS payments
Enjoy same-day access to payments
Save on processing fees associated with cash and cheques
Streamline reconciliation with real-time notifications and end-of-day transaction reports

Open your Business Account in 3 simple steps

Step-by-step application guide
Electronic Identity Verification tutorial video

Seize the day! You’re just moments away from enjoying all the benefits of an OCBC Business Account.

1

Complete the online application form.

2

Authenticate your identity and upload your signature specimen via the OCBC Business Mobile Banking app.

3

You’re all set! You’ll receive your account number in as fast as 1 business day¹.

Download the OCBC HK/Macau Business Mobile Banking app and follow this step-by-step video guide to complete your Identity Verification.

Get it on Apple App Store

Get it on Google Play

Hear from our customers

Don’t just take our word for it. Hear from our loyal SME customers about why they trust OCBC as their banking partner for starting, running and growing their businesses.

Yoov
Unicube
101 Business Consultant

Yoov
Unicube
101 Business Consultant

Intelligent account opening for an AI company – Yoov

In the AI era, efficiency is key. We understand the need for speed with a fast and seamless Business Account opening process—complete in as fast as 1 business day! See how Phil, founder of Yoov, opened his Business Account with ease.

Taking a bite out of FX costs – Unicube

Did you know that 25% of Hong Kong SMEs are in the import-export and wholesale business? We know how critical it is to manage FX fluctuations and cash flow. Find out how Connie, CEO of food wholesaler Unicube, uses her Business Account to overcome these challenges and build lasting relationships with suppliers and customers.

Flexible Business Account for consultancies — 101 Business Consultant

Company secretarial services comprise a wide range of tasks—all with critical deadlines! Efficiency is key—and a flexible SME Business Account can deliver. See how 101 Business Consultant uses our services to help their clients set up and run businesses with ease.

What our customers say

E-commerce

“The hassle-free process and excellent service provided was unbelievable… I will recommend OCBC to my business friends for their banking needs in Hong Kong. It will be the first bank on my list.”

Consultancy

“The entire account opening process was efficient, the online banking is easy to use, and the staff was patient.”

Skincare retail

“OCBC is an exemplary bank… offering the fastest account opening process and exceptional risk management. We can rely on OCBC for stable and reliable financial services.”

E-sports

“Speedy account opening, good service, customer-centric, praise-worthy.”

Ready to get started?

Open a Business Account online today

Apply now

Resume application

BEFORE YOU APPLY

Remarks:
¹ The actual turnaround time for application results may vary depending on the circumstances of each individual application.
² Subject to Welcome offer for Online Account Opening of the OCBC Business Account Opening.
³ Document requirements are subject to the Bank’s internal review for account opening.
⁴ Access to Foreign Exchange service on OCBC Velocity is only available on business days during the Bank’s business hours, subject to the relevant Terms and Conditions.
⁵"Relevant parties” refers to all Partners/Directors, Beneficial Owners and Authorised Signatories of the company.
⁶ Subject to Business Account Terms and Conditions, Hong Kong Local Addendum & Hong Kong Product Addendum.

Terms and conditions

Business Customer Bank Service Fees Guide

Business Account Terms and Conditions, Hong Kong Local Addendum & Hong Kong Product Addendum

Welcome Offers for Online Account Opening of the OCBC SME Business Account Opening

Welcome Offers for the Offline OCBC SME Business Account Opening

FAQS

Got questions? Read the FAQs below or contact us.

Am I eligible to open a Business Account online?

To apply for a Business Account online, your company must meet the following requirements:

Sole proprietorships, partnerships, or limited companies (with up to 2 partners or directors) registered in Hong Kong
Business owner and relevant parties⁵ with Hong Kong Permanent ID Card
Not having any corporate shareholders

Are there any fees associated with opening a Business Account?

There are no fees to open an OCBC Business Account online. Please refer to the Welcome Offers for Online Account Opening of the OCBC Business Account Opening.

For other services fees and charges, please refer to our Business Customer Bank Service Fees Guide and Business Account Terms and Conditions, Hong Kong Local Addendum & Hong Kong Product Addendum.

Once you have successfully opened your Business Account, you can manage your account via OCBC Velocity, our all-in-one digital business banking platform, at no charge.

How long does it take to open a Business Account?

Depending on circumstances, you can expect to have your Business Account up and running in as fast as 1 business day¹.

How do I know if my application for a Business Account is successful?

You will get a welcome email from the Bank’s email account (noreply-hkbiznotifications@ocbc.com) to the business email address you provided in the application form. For security reasons, the email will be encrypted. For smoother access, we recommend opening this email on a computer.

Awards and accolades

Best Commercial Bank (SMEs) in Hong Kong

2024-2025 FinanceAsia

Asia’s Best Bank for SMEs

2025 Euromoney

ASEAN SME Bank of the Year

2011 - 2025 Asian Banking and Finance

View all