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Updated October 17, 2026 · VaultCue Editorial Team

Top business bank accounts compared in China

56 accounts available in China, ranked for China.

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Top business bank accounts compared in China
OrderAccountScoreFeaturesKey factsActions
1
Airwallex logo
AirwallexTop pickPartner

Limited offer - business rewards with Airwallex AI: Up to HK$68,888

8.6/10
    Monthly fee:
    HK$2,499
    Deposit protection:
    FSCS up to GBP 85,000
    Currencies:
    from 20
    		ReviewCompareVisit
    2
    Statrys logo
    StatrysPartner

    Your account pays you back: HKD 188 per month

    		9.4/10
    • No monthly fee
    • Low FX
    Monthly fee:
    HK$0
    Currency conversion fee:
    0.1% to 0.15%
    Currencies:
    11
    		ReviewCompareSee alternatives
    3
    Finom DE logo
    Finom DEPartner

    German site of Finom, a business account and payments solution for freelancers and small businesses.

    		9.4/10
      Monthly fee:
      €0
      Currencies:
      17
      Local account details:
      IBAN
      		ReviewCompareSee alternatives
      4
      Bank of Jordan logo
      Bank of JordanPartner
      		9.2/10
      • No monthly fee
      Monthly fee:
      JOD 0
      Currencies:
      2
      Local account details:
      IBAN
      		ReviewCompareSee alternatives
      5
      Payoneer rails logo
      Payoneer railsPartner
      		9.2/10
      • No monthly fee
      Monthly fee:
      $0
      Licence type:
      E money
      Deposit protection:
      EU DGS up to EUR 100,000
      		ReviewCompareSee alternatives
      6
      Paysafe brands logo
      Paysafe brandsPartner

      Final Score: Up to EUR 10,000 every week

      		9.2/10
      • Expats
      • Travelers
      • No monthly fee
      Monthly fee:
      €0
      Licence type:
      E money
      Deposit protection:
      EU DGS up to EUR 100,000
      		ReviewCompareSee alternatives
      7
      Finom ES logo
      Finom ESPartner

      Spanish site of Finom, an online payments and business account solution for autonomos and small businesses.

      		9.2/10
        Monthly fee:
        €0
        Currency conversion fee:
        0.5%
        Currencies:
        17
        		ReviewCompareSee alternatives
        8
        Finom FR logo
        Finom FRPartner

        French site of Finom, an online payments and business account solution for freelancers and small businesses.

        		9.2/10
          Monthly fee:
          €0
          Currency conversion fee:
          0.5%
          Currencies:
          17
          		ReviewCompareSee alternatives
          9
          Aspire logo
          AspirePartner

          Get 10% cashback on AI subscriptions

          		9.1/10
          • No monthly fee
          Monthly fee:
          SGD 0
          Currencies:
          13
          Transfer fee:
          Basic plan $0/month: local transfers free (ACH, wire, check, real-time $0); SWIFT send $5 (SHA) or $15 (OUR); SWIFT receive $0; FX from 0.22% above mid-market
          		ReviewCompareSee alternatives
          10
          Payoneer logo
          PayoneerPartner
          		9.1/10
          • No monthly fee
          Monthly fee:
          $0
          Licence type:
          E money
          Deposit protection:
          EU DGS up to EUR 100,000
          		ReviewCompareSee alternatives

          Licensed in China

          XTransfer
          People's Bank of China (PBC)
          MYbank
          China Banking Regulatory Commission Zhejiang Bureau (中国银监会浙江监管局)
          Suning Bank
          China Banking and Insurance Regulatory Commission, Jiangsu Bureau (now National Financial Regulatory Administration)
          XW Bank
          National Financial Regulatory Administration (NFRA)

          Other rankings

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          Other countries

          Airwallex

          Airwallex

          Top pick for China

          8.6/10Visit