Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated October 17, 2026 · VaultCue Editorial Team

Top online banks compared in China

43 accounts available in China, ranked for China.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top online banks compared in China
OrderAccountScoreFeaturesKey factsActions
1
Statrys logo
StatrysTop pickPartner

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
2
Klarna Bank logo
Klarna BankPartner

30% off Klarna Premium or Max for 3 months: 30% off for 3 months

9.3/10
  • Travelers
  • No monthly fee
  • Low FX
Monthly fee:
£0
Deposit protection:
FSCS up to GBP 85,000
Currency conversion fee:
0%
ReviewCompareSee alternatives
3
MyMonty logo
MyMontyPartner
9.3/10
  • No monthly fee
Monthly fee:
€0
Deposit protection:
FSCS up to GBP 85,000
Currencies:
2
ReviewCompareSee alternatives
4
Revolut ES logo
Revolut ESPartner

Banking app offering bank accounts, savings and share investing from a phone.

9.3/10
    Licence type:
    Bank
    Currency conversion fee:
    0% to 1%
    Currencies:
    30
    		ReviewCompareSee alternatives
    5
    Aspiration logo
    AspirationPartner
    		9.1/10
    • No monthly fee
    • Free ATM
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Currency conversion fee:
    1%
    		ReviewCompareSee alternatives
    6
    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
    7
    Paysera logo
    PayseraPartner
    		9.1/10
    • No monthly fee
    Monthly fee:
    €0
    Licence type:
    E money
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareSee alternatives
    8
    Paysera Visa card logo
    Paysera Visa cardPartner
    		9.1/10
    • No monthly fee
    Monthly fee:
    €0
    Licence type:
    E money
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareSee alternatives
    9
    Alipay logo
    AlipayPartner
    		9.0/10
    • Travelers
    • No monthly fee
    Monthly fee:
    CN¥0
    Currencies:
    18
    Transfer fee:
    3% over RMB 200
    		ReviewCompareSee alternatives
    10
    Grey logo
    GreyPartner
    		9.0/10
    • Expats
    • Travelers
    • No monthly fee
    • Low FX
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Currency conversion fee:
    0%
    		ReviewCompareSee alternatives

    Licensed in China

    aiBank
    National Financial Regulatory Administration (financial licence公示)
    MYbank
    China Banking Regulatory Commission Zhejiang Bureau (中国银监会浙江监管局)
    XW Bank
    National Financial Regulatory Administration (NFRA)

    Other rankings

    Browse by category

    Other countries

    Statrys

    Statrys

    Top pick for China

    9.4/10See alternatives