01 · HOLD
Multi-currency accounts
Hold CNY, USD, EUR, JPY, AUD, and more in one account. Switch currencies when your life moves.
Open your wallet ↗
BANKING FOR LIFE IN CHINA
Your money,
fluent in China.
A multi-currency account for foreigners living and working here. Send money home, receive your salary, and manage everyday finances from one calm, secure place.
Account opening takes around 5 minutes
WALLET◎GLOBAL
REMITTANCE♢SECURE BY
DESIGN✦HUMAN
SUPPORT
THE BANKING SYSTEM
Everything your
life in China needs.
Hold, move, and grow your money with one connected account designed around the realities of expat life.
SS SGD Personal Wallet¥248,310.06
◈ Dashboard overview›
▣ Add & withdraw funds›
⇄ Transfer & exchange›
◇ My virtual cards›
MONEY IN MOTION
One account.
Many directions.
Move between CNY, USD, EUR, JPY, and AUD without the usual friction.
BUILT FOR THE MOVE
Banking that works
across borders.
02 · MOVE
Global remittance
Send money home with transparent exchange rates and clear status updates from China to anywhere.
See how it works ↗03 · LIVE
Human support
Get help from a real person who understands salaries, rent, visas, and everyday life in China.
Talk to our team ↗READY WHEN YOU ARE
Open your account
in a few clear steps.
From your first salary to your next transfer, FinancalBond keeps the essentials simple.
Open an account ↗01Apply onlineComplete your details in around five minutes.
02Verify securelyUpload your documents through a protected flow.
03Start movingReceive money, exchange currencies, and pay with confidence.
A CALMER MONEY SYSTEM
Built for the details
that move with you.
From salary day to the last transfer of the month, keep your finances visible, organised, and ready for the next direction.
Salary, simplified
Receive CNY salary payments and keep a clear view of what is available, reserved, and ready to move.
Plan your flow →Transfer with context
See currencies, destinations, and status in one calm workspace without chasing separate apps.
Explore transfers →Cards that travel
Keep everyday spending and larger international movements connected to the same account picture.
See card options →Support with a pulse
Reach people who understand the practical questions behind banking in a new country.
Ask a question →
YOUR MONEY · YOUR CONTEXT
SECURITY BY DESIGN
Clarity is part of
feeling secure.
Every balance, transfer, and currency movement should be easy to understand. FinancalBond gives you a clear view of the activity that matters.
✓Protected account accessKeep control of how you sign in and manage your account.
✓Clear movement historyFollow your money with simple status and transaction context.
✓Human help when neededGet a person involved when the situation is more than a menu.
MADE FOR LIFE IN CHINA
The everyday toolkit
for moving well.
Useful banking building blocks for the moments that shape life between China and home.
¥
Rent & living
Keep recurring essentials visible alongside your everyday spending.
↗
Home transfers
Move money across borders with a view of the route and the status.
◌
Currency view
See your money in the currencies that matter to your life.
⌁
Concierge support
Ask questions in a way that feels human, clear, and direct.
5 minTypical account opening
6+Core currencies supported
24/7Expat concierge support
01Connected money system
SALARY CONVERSION
Your CNY salary,
home in hours.
Work in China, earn in yuan, send home in your own currency. FinancalBond converts your salary at live mid-market rates with one clear flat fee — no hidden spread, no surprise deductions, no waiting days for your money.
- 0.5% flat feeWhat you see is exactly what you pay.
- Same-day deliveryMoney lands in 190+ countries, often in minutes.
- Live rates, lockedThe rate you confirm is the rate you get.
You send¥12,500
Our fee (0.5%)¥62.50
Exchange rate1 CNY = 0.1392 USD
They receive$1,729.46
Example for a CNY → USD transfer. Rates update live; the fee never changes.
OUR COMMUNITY
Made for every life
in China.
Workers, families, travellers and retirees — FinancalBond is built around the people who call China home, wherever they came from and wherever home is.
YOUR NEXT DIRECTION
Make money feel
more at home.
Open a clearer way to hold, move, and manage your finances in China.
Open your account ↗