银行柜员：您好！欢迎来到精彩赣鄱大地，我们很高兴为您服务！

（Welcome to Jiangxi Province! We are glad to serve you!）

境外人士：您好，我能开立银行账户吗？

（Hello, can I open a bank account?）

银行柜员：可以，您携带本人有效身份证件到任意银行网点即可开户。

（Yes. You can open a bank account by bringing your valid ID to any bank branch.）

境外人士：有效身份证件有哪些呢？

（What are the valid IDs?）

银行柜员：有效身份证件包括：外国护照、外国人永久居留身份证、边境地区出入境通行证、港澳居民来往内地通行证、港澳居民居住证、台湾居民来往大陆通行证、台湾居民居住证、定居国外的中国公民的中国护照以及其他法定身份证明文件等。

（The valid IDs include: foreign passports, foreign permanent resident ID cards, border area crossing permits, mainland passes for Hong Kong & Macau residents, Hong Kong & Macau residence permits, mainland passes for Taiwan residents, Taiwan residence permits, Chinese passports of Chinese citizens who have settled abroad, and other legal identity documents.）

境外人士：我的联系方式为境外电话，目前入住酒店，影响开户吗？

（My contact number is overseas and I’m currently staying at a hotel. Does that affect opening a bank account?）

银行柜员：不影响，您携带本人有效身份证件到任意银行网点即可开户。

（No, it doesn’t. You can open a bank account by bringing your valid ID to any bank branch.）

境外人士：我可以获得哪些账户功能呢？

（What account functions are available to me?）

银行柜员：按照账户分类分级管理要求，银行将根据您的身份、职业、年龄、交易等特征，提供与账户风险等级相匹配的银行账户功能，审慎与您约定开通网上银行、手机银行、快捷支付等非柜面业务，以及账户资金非柜面交易限额、交易笔数、验证方式等，后续可根据您的正常合理需求或临时需求、账户风险情况等动态调整。

（In accordance with the requirements of account classification and hierarchical management, the bank will provide bank account functions matching the risk level of the account based on your identity, occupation, age, transactions and other characteristics, and prudently agree with you to open non-counter services such as online banking, mobile banking, quick payment, as well as the limit of non-counter transactions of the account funds, the number of transactions, the method of verification, etc., which may be dynamically adjusted in the future based on your normal and reasonable needs or temporary needs, and the risk situation of the account.）

境外人士：我来自免签国家和地区，能否开户？

（If I am from a visa-free country or region, can I open a bank account?）

银行柜员：可以开户，开户时银行会核实您的居留有效期。

（Yes, you can. When you open an account, the bank will verify the validity of your stay.）

境外人士：我不擅长中文交流，怎么办？

（I'm not good at Chinese. What should I do?）

银行柜员：江西辖内银行向境外来赣人员提供双语服务，您可以无障碍进行交流。同时还提供上门服务、VIP专属通道、一对一后续跟进和答疑服务、电话预约开户和咨询服务等更多暖心服务。

（It doesn't matter. The banks in Jiangxi provide bilingual services, so you can communicate without any obstacles. The banks also provide door-to-door service, VIP exclusive channel, one-on-one follow-up and Q&A service, telephone appointment for account opening and counseling service, and other more warm services.）

境外人士：如果不开卡，我怎么支付呢？

（If I don't open the bank card, how will I pay?）

银行柜员：您还可以选择使用刷卡支付（境外银行卡）、扫码支付（绑定境外银行卡的电子钱包）、人民币现金支付等多种方式。您可在有外币兑换资质的银行网点和外币兑换点，或有外卡受理标识的ATM机和外币自助兑换机上，兑换人民币现金。

（You can also choose to use a variety of methods such as card payment (foreign bank card), QR code payment (e-wallet bound to foreign bank card) and RMB cash payment. You can exchange RMB cash at bank branches and foreign currency exchange points with foreign currency exchange qualification, or ATMs with foreign card acceptance signs and foreign currency self-service exchange machines.）

境外人士：谢谢！

（Thank you!）

银行柜员：希望您在江西能享受美好时光！

（We hope you will enjoy your stay in Jiangxi!）