2026 ICBC Asia VTM Account Opening Full Guide | No Appointment Needed, Instant Card Issuance
2026 工银亚洲 VTM 开户全攻略｜无需预约，当场拿卡
ICBC Asia is one of the must-have Hong Kong bank accounts for travelers to Hong Kong. This article shares the detailed step-by-step process of opening an account via ICBC Asia VTM for your reference.
工银亚洲是赴港必开的港卡之一，本文分享工银亚洲 VTM 开户的详细全流程，供大家参考。
使用有奖励---工银亚洲专属公开渠道：26042152716854
Core Advantages
核心优势
1. Free RMB cash withdrawal directly from ICBC branches in mainland China
2. 境内工行网点可直接取现人民币，无手续费
3. Eligible for credit card application (CNID holders can apply 180 days after account opening) with various rewards
4. 可办理信用卡并享受相关福利（持内地身份证开户需满 180 天后方可申请）
Two Account Opening Methods
两种开户方式对比
1. Branch Account Opening
2. 分行柜台开户
• Requires advance appointment and paper documents
• 需要提前预约并提交纸质资料
• Moderate difficulty if documents are complete and itinerary is well arranged
• 资料齐全且行程安排妥当的话难度不大
2. VTM Account Opening (Recommended)
3. VTM 远程开户（更推荐）
• No appointment required, open 12 hours daily from 8:00 to 20:00
• 无需预约，每日早 8 点至晚 8 点 12 小时不间断服务
• Accepts electronic documents
• 支持使用电子资料
• Disadvantages: Long waiting time (usually over 1 hour per person), mostly standing operation, approval result only available after completing all steps
• 弊端：排队时间长，单人办理约 1 小时以上；多为站立操作；需完成全部流程后才知道审批结果
Important Note on VTM Locations
VTM 地址注意事项
Avoid using VTM machines inside MTR station gates, as you may incur overtime fare charges if you stay too long.
尽量不要选择地铁闸机内的 VTM 机器，以免停留时间过长产生超时罚款。
Required Documents
开户准备资料
1. Mainland ID card, Hong Kong and Macau Travel Permit, and entry slip
2. 身份证、港澳通行证、过关小票
3. Address proof (Chinese-language credit card statement issued within the last 3 months)
4. 地址证明（3 个月内的中文信用卡账单）
5. Employment information (no paper documents required; some managers may ask for salary slips or social security records, which can be shown on your phone)
6. 工作信息（无需纸质资料；部分客户经理可能要求工资流水或社保明细，当场手机展示即可）
⚠️ Important: If you have already booked a branch appointment, you cannot open an account via VTM. Do not make a branch appointment if you plan to use VTM.
⚠️ 重要提示：已成功预约网点开户的用户无法在 VTM 开户，想走 VTM 通道的不要提前预约网点。
Step-by-Step VTM Account Opening Process
VTM 开户详细流程
1. Tap "I want to open an account" on the VTM screen and wait for the customer manager to connect via video call
2. 在 VTM 屏幕点击 "我要开户"，等待客户经理视频接通
3. Verify your identity documents as instructed by the manager
4. 按照客户经理指示核验证件
5. Fill in personal information: mobile phone number, email address, correspondence address, employment details, company information, etc.
6. 填写个人信息：手机号、邮箱、通讯地址、工作信息、单位信息等
7. Submit required documents via the scanner on the right side of the machine (you can place paper documents or your phone with electronic documents on the scanner)
8. 通过机器右侧的扫描区提交资料（可放入纸质资料，也可直接放置展示电子资料的手机）
9. Complete the video interview and wait for approval
10. 完成视频面试，等待审批结果
11. If approved, the machine will print your Greater Bay Area UnionPay debit card on the spot
12. 审批通过后，机器当场制卡并发放湾区通银联借记卡
工银亚洲VTM地址分布：
地点 |
详细地址 |
落马洲港铁站 |
新界落马洲港铁站 3 楼票务大堂 311 号（闸内） |
罗湖港铁站 |
新界罗湖港铁站 LOW K5 铺（闸外） |
火炭港铁站 |
新界火炭港铁站 4 号铺（闸外） |
东涌港铁站 |
新界东涌港铁站 2 号铺（闸外） |
大围港铁站 |
新界大围港铁站 19 号铺（闸内） |
葵芳港铁站 |
新界葵芳港铁站 Minibank 铺（闸外） |
南昌港铁站 |
九龙南昌港铁站 9 号铺（闸外） |
柯士甸港铁站 |
九龙柯士甸港铁站 108 号铺（闸外） |
九龙塘港铁站 |
九龙九龙塘港铁站 207 号铺（闸外） |
科学园分行自助区 |
新界白石角香港科学园 1 期 1E 大楼 1 楼 S107A 号铺 |
启德分行自助区 |
九龙启德协调道 2 号 AIRSIDE 1 楼 L112 号铺 |
红磡自助区 |
九龙红磡黄埔花园第 9 期地面 21 号铺 |
Key Notes During Account Opening
开户关键注意事项
1. Some managers may have non-standard Mandarin and the equipment may be unstable. Ask them to repeat if you don't understand clearly.
2. 部分客户经理普通话不够标准，且设备可能存在卡顿，听不清楚一定要让对方重复。
3. Account opening purpose:
4. 开户目的：
• You can state "savings" (recommended for those without investment experience; it's best to know the current Hong Kong deposit interest rates in advance)
• 可选择 "储蓄"（无投资经验者推荐，最好提前了解香港当前存款利率）
• Or "investment" (you will need to provide investment proof, such as mainland securities holdings shown on your phone; the manager may ask about your investment direction)
• 也可选择 "投资"（需提供投资证明，如手机展示内地持仓；经理可能会询问投资方向）
• If you live far from Hong Kong, prepare a reasonable explanation such as asset allocation, applying for ICBC Asia credit cards, or frequent business trips to Shenzhen
• 若居住地离香港较远，需准备合理说明，如资产配置、办理工银亚洲信用卡、经常到深圳出差等
3. Some managers may request deposit proof, which can be shown on your phone
4. 部分经理会要求提供存款证明，手机展示余额即可
5. Some managers may ask for bank statements or individual income tax records
6. 部分经理会要求提供银行流水或个税记录
7. Take a clear photo of your account information after approval, as these details will not be displayed in the ICBC Asia mobile banking app
8. 开户成功后务必拍照保存账户信息，工银亚洲手机银行不会显示各账户的具体信息
9. After receiving the card, go to an external ATM and deposit 100 RMB to activate the account
10. 拿到卡片后，到外面的 ATM 存入 100 元人民币即可激活账户
11. If your VTM application is rejected, you can only apply for an account at a physical branch in the future
12. 若 VTM 开户被拒，后续只能前往实体网点申请开户
Overall, the VTM process is physically tiring, but the biggest advantage is that you can get your debit card immediately upon approval.
总的来说，VTM 开户过程比较耗费体力，但最大的优势是审批通过后当场就能拿到借记卡。
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