随着经济全球化的不断发展，越来越多人开始了海外投资。但现如今，全球经济走势低迷，各个银行之间账户管理苛刻，导致很多有海外投资的个人和企业举步维艰，无法在海外银行开户。
With the development of economic globalization, more and more people began to invest overseas. But with a sluggish global economy, banks tend to be harsher on their account management, making it difficult for many individuals and enterprises with overseas investment to open overseas accounts
而作为世界第三大金融中心，新加坡一直吸引着众多投资者的目光。
As the third largest financial center in the world, Singapore has always attracted the attention of global investors.
新加坡有独立的金融市场管理体系，无外汇管制，资金可自由调拨，是世界上税率最低的国家之一，也是最具竞争力的国际贸易中心。
Singapore enjoys an independent financial market management system, and no foreign exchange control, so the capital here can be allocated freely. Besides, it is one of the countries with the lowest tax rate in the world and also the most competitive international trade center.
新加坡拥有本地三大银行与各大国际银行，与国际贸易融合度高，金融市场成熟，投资范围涵盖全球。
Three major local banks and many international banks in Singapore present this country with high integration with international trade, mature financial market and global investment scope.
各大银行受当地金融管理局严格监管，资产受当地法律保护，且有着非常严格的保密协议，重视客户的隐私，确保客户账户安全，拥有极高的私密性。
Banks are all strictly supervised by the local financial authority, and their assets are protected by local laws. They have very strict confidentiality agreements, attaching importance to the privacy of customers, and ensuring the security of accounts. High degree of privacy is guaranteed.
另外，开立新加坡账户无须亲自前往新加坡，在境内分行面签或者视频远程即可完成所有的开户手续，省去了现场面签的繁琐，这对于在疫情期间急需开立海外账户的朋友而言，无疑是大大的便利了。
In addition, it is not necessary to go to Singapore in person to open a Singapore account. All the account opening procedures can be completed remotely and witness can be done via video or at a branch bank in China, which saves the tedious on-site interview. This is undoubtedly a great convenience for those who need to open overseas accounts during the epidemic.
The general procedures for opening an Singapore account can be:
The applicant submits the account opening documents for the bank's preliminary examination.
After the preliminary examination, the bank manager sends an account opening application form by mail.
The applicant downloads the form and fills it in (signature is required during video witness).
The applicant replies to the email and makes an appointment for video witness.
The applicant sends the signed documents.
注意，新加坡账户分为公司账户和个人帐户，虽然两者流程大同小异，但要准备的申请材料却是截然不同。
Note that there are company accounts and individual accounts. Although the processes of the two are much the same, the application documents to be prepared are quite different.
If you need a company account, you need to prepare:
Singapore Bank Corporate Account Form
Certificate of Incorporation
Corporate Business Registration
Articles of Association, documents of directors and shareholders
● 公司股东/董事/银行账户授权人的护照与身份证复印件
Copy of passport and ID card of shareholders/directors/bank account authorizer of the company
● 银行签字人地址证明（可以是最近2个月的水电费账单/电话账单/银行账单）
Address certificate of bank signer (it can be water and electricity bills/telephone bills/bank bills of the last two months)
● 与新加坡相关业务来往凭证，包括发票，收据等，并注明来往国家
Vouchers for business dealings with Singapore, including invoices, receipts, etc., and indicating the countries of dealings
Company structure (information about subsidiaries and sister companies)
If you want an individual account, you need to prepare:
Copy of ID card and passport
Bank Account Opening Information Collection Form
Bank flow
● 地址证明（身份证和近三个月内电话单/水电单/银行信件）
Address certificate (ID card and telephone bill/water and electricity bill/bank letter in recent three months)
成功开户后，一定要保持账户的活跃度，否则容易被银行当成“僵尸账户”，直接做关户处理。
After opening an account successfully, you need to keep your account active, otherwise it is likely to be closed as the bank regards it as a "zombie account" or “sleeping account”.
切忌私帐公用，公帐私用，拒绝违法资金操作，避免大额资金频繁转账，否则账户会有冻结风险。如银行进行抽查，要及时回复并提供真实的相关证明材料。
It is highly unrecommended to use private accounts for public use and public accounts for private use. No illegal funds operation and less frequent transfer of large amounts of funds may keep your account from a frozen stage. If the bank intends for an investigation on your account, you need to respond to it in time and provide authentic relevant supporting documents.
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