How Chinese Investors Can Open US Stock Accounts (2026 Edition)
Mainstream US stock brokers that currently support account opening with Chinese identity include: Interactive Brokers, Charles Schwab, moomoo, and Tiger Brokers.
Step 1: Choose a Brokerage
The mainstream US stock brokerages that currently support account opening with Chinese identity include Interactive Brokers, Charles Schwab, moomoo (Futu), Tiger Brokers, and others.
Interactive Brokers (IBKR) Account Opening Process
Visit ibkr.com and click "Open Account"Select "Individual Account" → Fill in basic information (name, email, phone number)Upload proof of identity (passport or ID card) and proof of address (utility bill or bank statement)Fill in tax information: Chinese residents need to complete Form W-8BEN to enjoy the benefits of the US-China tax treatyComplete the risk assessment and investment experience questionnaireDeposit funds: Bank wire transfer is supported, usually arriving within 1-3 business daysEntry Considerations
There is an annual foreign exchange quota limit of $50,000 per personWhen wiring funds, select "Personal Travel" or "Education and Training" as the purpose, and avoid filling in "Securities Investment"It is recommended to use cross-border remittance services from major banks such as China Merchants Bank and Bank of ChinaFee Comparison
Interactive Brokers: $0 commission for US stock trading, currency conversion fee of approximately 0.002%. Charles Schwab: $0 commission + $0 platform fee, but a minimum deposit of $25,000. Futu/Tiger: $0 commission but with platform usage fees.