A basic RMB account and an FX account are KYC + licence + chop exercises — not a fintech signup.
Opening accounts for a Chinese company typically includes selecting a bank, preparing business licence, chops, legal-rep ID, UBO/KYC forms, and tax/FX-related setups banks request. Basic deposit accounts and foreign-exchange accounts serve different jobs. Capital injection then follows SAFE/bank paths. This wiki is account opening. Live capital-contribution FX route covers inbound funding choreography — link it. Cross-border payments come after the account exists.
4 questions before you choose the route.
This page identifies the right question and evidence. It does not determine the legal outcome on a reader’s facts.
Which account types needed?
RMB basic vs FX.
TypeKYC pack complete?
Licence, chops, UBO.
KYCFX registration aligned?
SAFE related pages.
SAFEInbound capital next?
FX route.
CapitalWorking rule: Map the regulated role before marketing or launch in China.
The signal ledger.
These facts move the question beyond a label and into a product, money-flow and control analysis.
Bring a compact evidence docket—not a pitch deck.
Give a compliance team or counsel the operating facts that reveal the perimeter.
Questions people ask before they build.
Short answers for orientation. The right result can change with the service model and current rules.
Can a foreigner open it alone?
Legal rep/authorised signatory rules and bank KYC decide. Bring the corporate kit.
Where is inbound capital FX?
Primary authorities
Reviewed sources support orientation, not a fact-specific assessment.