CNOOC Personal USD Account Activation Guide Easily Start a New Chapter in Wealth Management!

Open a Personal USD Account with Bank of China Easily - Your Wealth Management Journey Starts Here

In today’s increasingly interconnected global economy, more and more people are focusing on cross-border capital management and diversified asset allocation. Whether for overseas education, travel, investment, or to hedge against the uncertainty caused by RMB exchange rate fluctuations, holding foreign currency assets has become an essential part of modern personal finance.

As one of China's leading state-owned commercial banks, Bank of China offers individuals a convenient way to open a U.S. dollar account. With its professional service capabilities and extensive international financial experience, the bank empowers clients to achieve more flexible and secure wealth management goals.

Why Are USD Accounts Growing in Popularity?

In recent years, as Chinese citizens' incomes and consumption levels have steadily risen, overseas travel, study, and cross-border shopping have become increasingly common, driving up demand for foreign currencies. According to data released by the People's Bank of China in 2025, the proportion of foreign currency deposits held by Chinese residents continues to grow annually. Among all currencies, the U.S. dollar remains the most favored due to its stability and widespread acceptance.

With increasing volatility in global financial markets, investors are seeking greater diversification in their portfolios. Opening a USD account not only helps mitigate exchange rate risks but also provides a convenient channel for future overseas investments or property purchases. Especially under the current environment of heightened two-way RMB exchange rate fluctuations, holding a reasonable portion of U.S. dollar assets has become a crucial component of many families’ financial planning.

Bank of China Professional and Efficient - Start Your USD Account with Ease

With over a century of history and high international recognition, Bank of China has always been at the forefront of foreign exchange services. The process of opening a personal USD account is simple and efficient-clients need only bring valid identification and a linked bank card to any branch that offers foreign exchange services. The entire procedure takes just a few minutes, with no complicated approval steps involved.

Moreover, Bank of China provides an online appointment feature, allowing clients to book their account-opening time via mobile or online banking, minimizing wait times and improving overall service experience. The bank also supports multilingual customer service to better assist clients with specific needs.

In addition, Bank of China offers a wide range of U.S. dollar-denominated financial products, including demand deposits, time deposits, and structured deposits, catering to clients with different risk preferences. Through the bank’s global remittance system, clients can easily transfer USD funds across borders, providing strong support for overseas payments such as tuition fees and living expenses abroad.

Timely Trend Now Is the Right Time to Allocate USD Assets

Since the second half of 2025, the U.S. Federal Reserve has repeatedly signaled potential interest rate cuts, prompting expectations of gradually declining U.S. interest rates. This presents new opportunities for USD asset allocation. On one hand, the U.S. dollar still retains its reputation as a stable and safe-haven asset; on the other, with the upcoming U.S. elections and uneven global economic recovery, increased volatility in the dollar may offer potential returns for timing-savvy investors.

Meanwhile, the RMB exchange rate has shown some fluctuation under various influencing factors. Holding a moderate amount of U.S. dollar assets can help balance household portfolios and reduce losses from depreciation in a single currency. Bank of China’s timely introduction of USD account services serves as a key tool to help clients seize this strategic opportunity.

A New Beginning in Wealth Management - It Starts with a USD Account

For the average investor, financial planning is no longer limited to a simple combination of savings and stocks-it requires a comprehensive approach balancing liquidity, security, and return. A USD account can serve as the starting point of this strategy.

More than just a basic deposit account for holding U.S. dollars, it is a gateway to overseas markets and a bridge toward global asset allocation. Whether used for daily international transactions or as a reserve fund for future investments in overseas real estate or U.S. equities, a USD account plays a vital role.

With its solid operational foundation, advanced technical support, and extensive global cooperation network, Bank of China delivers reliable and convenient financial services to every client. Choosing to open a personal USD account with Bank of China means you’ve already taken your first step toward globalizing your wealth.

In this era of constant change and opportunity, mastering diversified asset allocation methods is key to preserving and growing your wealth. And perhaps, it all starts with a simple account opening. Open your personal USD account with Bank of China today-let your journey in wealth management begin now.