China Construction Bank

Universal bank · Beijing, China

China Construction Bank is the third-largest bank in the world by assets and one of China's big four state-controlled banks, with about 13,600 domestic branches. In 2025 it reported total assets of 45.63 trillion yuan, net profit of 339.79 billion yuan and a CET1 ratio of 14.63 percent. Its London subsidiary is the largest RMB clearing bank outside Asia, and it runs branches in more than twenty overseas cities including New York, Toronto, Dubai, Johannesburg, Santiago and Sydney. Mainland crypto business is illegal. On 12 February 2026 the PBOC fined it 42.9551 million yuan and confiscated 550,975.67 yuan of gains. The ten violations include account management, special merchant rules and anti-money-laundering duties.

Legal name: China Construction Bank Corporation
Regulated by: National Financial Regulatory Administration (NFRA), People's Bank of China, HKMA (CCB Asia), PRA/FCA (China Construction Bank (London) Ltd), Federal Reserve (New York branch), OSFI (Toronto branch), DFSA (Dubai branch)
Licence confirmed: yes, on a regulator's own list
Established: 1954
Website: www.ccb.com

Scores, 0 to 10

9.5Financial strength & stability

G-SIB with CET1 14.63 percent, NPL 1.31 percent and A1/A/A ratings. · source

8.0Trade, manufacturing & import-export

Letters of credit and RMB trade settlement through branches in more than twenty overseas cities and London clearing. · source

7.0Cross-border payments, FX and multi-currency accounts

RMB clearing in London and branches in more than twenty overseas cities; FX margins are not published. RMB clearing plus branches on six continents support cash management for large corporates. · source

5.5Asia-Pacific (SG, HK, AU, JP, KR)

CCB Asia in Hong Kong plus branches in Macao, Tokyo, Seoul, Singapore, Sydney, Melbourne, Brisbane and Auckland. · source

5.0Lowest fees

No English-language corporate fee schedule is published; pricing follows regulated Chinese tariffs. · source

4.5Europe (EU, EEA, Switzerland)

Branches in Frankfurt, Luxembourg, Zurich and Barcelona serve corporates only. · source

4.5United Kingdom

London subsidiary is the largest RMB clearing bank outside Asia but does not offer UK SME accounts. · source

4.0United States

New York branch serves corporates and trade finance only. · source

4.0Latin America, Africa & South Asia

Branches in Johannesburg, Santiago de Chile, Ho Chi Minh City and Kuala Lumpur serve corporates. · source

4.0Best interest on business balances

Corporate deposits pay regulated demand-deposit rates; no treasury sweep product is listed. · source

4.0Online businesses: e-commerce and SaaS

Merchant services inside China; the February 2026 PBOC decision cited breaches of special merchant management rules. A foreign software company must set up a Chinese entity with separate RMB basic, foreign currency capital and settlement accounts under SAFE rules, and the bank's English corporate pages list no API, Stripe or accounting integrations. · source

4.0Customer satisfaction

No Trustpilot profile with reviews; PBOC penalty of 43.506 million yuan decided 12 February 2026. · source

4.0Business cards (Visa, Mastercard)

CCB's English site lists overseas branches and deposit products but publishes no Visa or Mastercard business card programme for mainland companies, no virtual cards and no spend controls. · source

3.5Canada

Toronto branch serves corporate and institutional clients only. · source

3.5Middle East & Gulf

Dubai branch serves wholesale clients only. · source

3.5Startups & VC-backed companies

Startups face the same in-person onboarding of four to eight weeks. · source

3.5Foreign-owned & non-resident companies

A foreign-invested enterprise needs a Chinese business licence and the legal representative must be physically present in China for account opening; remote or proxy applications are not accepted and the process takes four to eight weeks. · source

2.5Fast digital onboarding

Four to eight weeks with an in-person visit by the legal representative. · source

2.0Fintech companies that need a partner bank

Payment and crypto firms are restricted by the 2021 PBOC notice; no safeguarding programme. · source

1.5Stablecoins (USDC, USDT and others)

CCB (Asia) completed real-value tokenized deposit transfers in the HKMA EnsembleTX pilot in November 2025, but that is a bank deposit token, not a stablecoin, and no stablecoin account or payout exists for business clients. · source

1.0Crypto-friendly bank

Notice Yinfa [2026] No. 42, led by the PBOC and in force since 6 February 2026, keeps virtual-currency business illegal in mainland China, and financial institutions may not provide accounts, transfers, clearing or settlement for it. · source

1.0High-risk verticals (iGaming, cannabis, adult, forex)

Article 303 of China's Criminal Law and the 2005 judicial interpretation make running a gambling house, a gambling website or an online betting agency a crime, and banks may not move funds to gambling sites, so licensed iGaming, casino and similar operators cannot be banked onshore. · source

1.0Crypto wallet and custody for a business

PBOC notice Yinfa [2026] No. 42 bars mainland financial institutions from serving virtual-currency business, and neither CCB nor CCB (Asia) nor CCB International publishes a crypto wallet or custody service for companies. · source

1.0Accept crypto payments

The February 2026 PBOC notice forbids mainland banks from providing clearing and settlement for virtual-currency business, and CCB offers no crypto acceptance for merchants. · source

1.0On-ramp: buy crypto with fiat

Fiat to crypto exchange is illegal financial activity in mainland China under the 6 February 2026 PBOC notice, and CCB's overseas units publish no crypto purchase service for business clients. · source

1.0Off-ramp: crypto to fiat in a business account

Under the 2026 PBOC notice mainland banks may not provide fund transfers for virtual-currency business, so crypto sale proceeds have no sanctioned route into a CCB account. · source

1.0Bitcoin

Bitcoin is named in the February 2026 PBOC notice as a virtual currency that may not circulate as money, and no CCB entity offers bitcoin trading, holding or transfer. · source

1.0Ethereum

Ether is named in the February 2026 PBOC notice as a virtual currency without legal tender status, and CCB offers no ETH trading, custody or staking. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.