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Account Opening Guide for Hong Kong Incorporated Companies

Updated this week

Mandatory Documents/ Information

Please have the following documents on hand and ready to be uploaded.

Business Registration Document (BRO)

The most up-to-date version of the BRO document.

Certificate of Incorporation

The official certificate issued by the Hong Kong Companies Registry confirming your company's incorporation. This document shows your company name, registration number, and date of incorporation.

Constitution/Memorandum & Articles

This applies to all businesses, except Partnerships and Sole Proprietorships, to verify that the Constitution allows you to open an account on behalf of the company.

NAR1 or NNC1 Document

  • NAR1: Annual Return filed with the Companies Registry, showing current company officers and registered office address

  • NNC1: Notice of changes to company particulars (e.g., directors, secretary, registered office)

Submit whichever document is most recent and reflects your current company structure.

Letter of Authorization (Non-Director)

The letter of authorization is required for all accounts where the user is a non-director. The letter is a signed document by any director in the company authorizing that the respective user can open the account.

Identity Verification Documents

Acceptable ID documents and requirements

  1. Accepted ID types
    We accept the following government-issued photo IDs:

    • Passport

    • National Identity Card

    • Permanent Residence Card

    • Driver’s License*
      ​

    *Driver's License may not be accepted for certain roles (e.g., admin users). Our team will notify you if this applies to your application.
    ​

  2. Who needs to provide an ID?
    The following individuals must submit valid identification during onboarding:

    • The applicant

    • All Ultimate Beneficial Owners (UBOs)
      ​

    Requirements may vary based on entity type and country. Our onboarding team will inform you of any exemptions.
    ​

  3. ID Requirements
    Your ID must meet all of the following criteria:

    • Government-issued photo ID

    • Show your full legal name

    • Includes your date of birth

    • Display a clear photo

    • Shows nationality

    • Show a valid expiration date.

      • If your ID does not have an expiration date, it must be recognised by the issuing authority as valid indefinitely.

    • Be valid for at least 30 days from the date you submit it
      ​

  4. How to submit your ID

    1. Live photo (preferred method):
      Take a clear photo of your physical ID using your phone when prompted during onboarding.

    2. Certified True Copy (alternative):
      If you cannot provide a live photo, we may accept a Certified True Copy (CTC) with the following:

      1. Clear, full image of the ID (front and back, if applicable)

      2. A statement confirming the copy is a true and accurate copy of the original

      3. Certifier's details: name, designation, registration/license number, signature, and date

      4. Official stamp or seal (if available)

      5. The ID must still be valid (not expired)

      1. The certification must be issued within 3 months of your application review date

Proof of address of User

Proof of Address is required if the submitted ID does not show your address. Accepted documents should be any legal documents issued by a third party: utility bills, phone bills, bank statements, rental agreements, or contracts.

Full Name, Country of Residence, Nationality, Date Of Birth (All Directors)

We require the following information of all registered directors of the business:

  1. Full Name

  2. Country of residence

  3. Date of birth

  4. Nationality

Name, Country of Residence, Nationality and IDs of the Majority Shareholder (If >=25%)

This applies to businesses with individual shareholders that hold >=25% of shares in your business.

Name of Corporate Shareholder (If >=25%)

This applies to businesses with corporate shareholders that hold >=25% of shares in your business.

Chart of Shareholder Structure (If >=25%)

You can use our shareholding structure template to create your chart:

  1. Make a copy of the slide

  2. Select the slide that most resembles your ownership structure

  3. Edit the details

  4. Download as PDF

Notes:

  • A picture format (JPG or PNG) is required for:

    • At least one director’s ID

    • All UBOs' IDs

    • Non-director admin’s ID

  • For all other documents (e.g., BRC, PSoF, POA), PDF or scanned copies are acceptable.

  • We may also ask additional questions depending on your company structure/industry.

  • Opening an Aspire account may require additional documents depending on your business type and country of incorporation. This helps us comply with regulatory standards, ensuring a safe and trustworthy experience for you.

How to Submit Your Documents

All required documents must be uploaded digitally through the Aspire app. We do not accept documents via email or physical mail.

For step-by-step instructions on how to upload your documents, see: Where can I upload and view the required documents via in-app?

Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.

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