# ‘Online’ Bank’s xenophobic reasoning for denying "foreigners" the ability to open an account online **URL:** \ **Category:** Discrimination in Taiwan\ **Tags:** banking\ **Created:** [August 18, 2022, 5:14pm UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991 "2022-08-18T17:14:12Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![afterspivak](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/a/ccd318/32.png) [@afterspivak](https://tw.forumosa.com/u/afterspivak)\ **Post date:** [August 19, 2022, 12:41am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/21 "2022-08-19T00:41:00Z")
The problem seems to be that all online-only banks are refusing to accept noncitizens as customers. Perhaps I missed something, but that’s the vibe I am getting. Guy ---
**Author:** ![mad\_masala](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mad_masala/32/182103_2.png) [@mad\_masala](https://tw.forumosa.com/u/mad_masala)\ **Post date:** [August 19, 2022, 12:41am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/22 "2022-08-19T00:41:56Z")
Yeah, yeah, sorry, I’m still waking up. But I still don’t see xenophobia here, leave alone racism. ---
**Author:** ![Charlie\_Jack](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/charlie_jack/32/246096_2.png) [@Charlie\_Jack](https://tw.forumosa.com/u/Charlie_Jack)\ **Post date:** [August 19, 2022, 12:44am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/23 "2022-08-19T00:44:30Z")
> [@afterspivak](#): > > > [@rooftopclown](#): > > > > Any reason we should be interested in an account with them? > > Don’t steal my thunder! :rofl: > > Guy Not sure, is this them? > **[KOKO 數位銀行 - 生活大小事，這次由我主宰](https://www.kokobank.com/BANK/)** > > KOKO 是國泰世華專為年輕人推出的數位銀行品牌，以貼近年輕人喜好、需求，提供相對應的金融服務，以趣味、創新、活力為前提，創造全方位數位金融體驗。 ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 12:45am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/24 "2022-08-19T00:45:57Z")
Yes that’s them ![Screen Shot 2022-08-19 at 8.44.56 AM](https://forumosauploads-12829.kxcdn.com/original/3X/1/7/17fc21f68d54d902dfc5262e5205cd962ecdf0ec.png) > **[KOKO 問答集，解答疑惑 KOKO 有責！ - KOKO 數位銀行](https://www.kokobank.com/BANK/Teach/Faq)** > > 立即申辦 KOKO 帳戶，生活大小事，這次由我主宰 ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 12:47am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/25 "2022-08-19T00:47:27Z")
They aren’t virtual bank accounts! Also paypal is a payments platform. Try applying at Nextbank, Richart bank, Koko bank etc… You would be denied even if you naturalised because they won’t even accept Taiwanese people not born here! ---
**Author:** ![mad\_masala](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mad_masala/32/182103_2.png) [@mad\_masala](https://tw.forumosa.com/u/mad_masala)\ **Post date:** [August 19, 2022, 12:50am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/26 "2022-08-19T00:50:10Z")
Have you tried to do this in one of the Cathay branches in your city, in person? And again, this is not racism, and I don’t think it even qualifies as xenophobia. Stupidity and laziness? maybe. I don’t know what the international standards are for opening this type of accounts. They might need to comply with certain regulations which may imply extra work or risks they don’t want to take, as simple as that. ---
**Author:** ![DogmaticStoic](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/dogmaticstoic/32/179644_2.png) [@DogmaticStoic](https://tw.forumosa.com/u/DogmaticStoic)\ **Post date:** [August 19, 2022, 12:50am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/27 "2022-08-19T00:50:42Z")
I think you should file a lawsuit to help the system. The law says businesses can’t discriminate against people based on where they are from. So this policy should be illegal. If you have the time, you should take that letter to a lawyer and see if they think you have a case there. ---
**Author:** ![Icon](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/icon/32/189245_2.png) [@Icon](https://tw.forumosa.com/u/Icon)\ **Post date:** [August 19, 2022, 1:23am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/28 "2022-08-19T01:23:19Z")
> [@comfy123](#): > > they cannot verify our overseas drivers licenses and overseas health insurance cards… Because we don’t have Taiwanese ones apparently. Ok. Explain this to me as if I was a three year old: 1. They refuse Taiwan issued NHI cards/driver’s license for foreigners when it comes to banking purposes? Did they say that? 2. Or do they only reject foreign issued ones? The same ones they government accepted? Or did you try to open an account with your country of origin’ s paperwork and that’s the one they do not take -even though you are legally in Taiwan, I presume. BTW, I also object to the Mexican comment, first of all because most get driver’s license as the only legal ID they can get, and second because it assumes a lot of racist s#$@. ---
**Author:** ![Marco](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marco/32/179744_2.png) [@Marco](https://tw.forumosa.com/u/Marco)\ **Post date:** [August 19, 2022, 1:24am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/29 "2022-08-19T01:24:46Z")
> [@DogmaticStoic](#): > > I think you should file a lawsuit to help the system. The law says businesses can’t discriminate against people based on where they are from. So this policy should be illegal. If you have the time, you should take that letter to a lawyer and see if they think you have a case there. > [@nz](#): > > Has anyone tried suing any banks here yet? This is a really tricky one as my lawyer advised me against it because they’re so petty, they’ll blacklist you. Unless you’re fine with martyring yourself financially… ---
**Author:** ![DogmaticStoic](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/dogmaticstoic/32/179644_2.png) [@DogmaticStoic](https://tw.forumosa.com/u/DogmaticStoic)\ **Post date:** [August 19, 2022, 1:33am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/30 "2022-08-19T01:33:37Z")
Just one bank or all banks? Can’t you just sue again if they refuse you service? ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:39am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/31 "2022-08-19T01:39:36Z")
They reject foreign ones. However… because we are “foreigners” they assume that we ONLY have foreign ones and therefore won’t even accept our applications… The Mexican comment is relevant because they assume that we are for the most part undocumented and live off of cash with no health insurance and no drivers license… ---
**Author:** ![Marco](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marco/32/179744_2.png) [@Marco](https://tw.forumosa.com/u/Marco)\ **Post date:** [August 19, 2022, 1:46am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/32 "2022-08-19T01:46:10Z")
> [@DogmaticStoic](#): > > Just one bank or all banks? They talk. > [@DogmaticStoic](#): > > Can’t you just sue again if they refuse you service? That is more tricky and extremely costly and extremely risky. There is a reason why businesses often say they have the right to refuse service to anyone. Often, like a shitty employer, they will make up a bullshit reason. Your honour, he was too aggressive to our staff. This is why I push hard for dual citizenship. It solves 99% of these problems and then once we’re on the other side, some of us can use our power to pull people who haven’t quite made it and look out for them. ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:46am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/33 "2022-08-19T01:46:28Z")
Also many states don’t offer drivers licenses to illegal immigrants. The ones that do… give one that cannot be used as a form of ID ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:46am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/34 "2022-08-19T01:46:56Z")
Dual citizenship won’t solve this one ---
**Author:** ![Marco](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marco/32/179744_2.png) [@Marco](https://tw.forumosa.com/u/Marco)\ **Post date:** [August 19, 2022, 1:47am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/35 "2022-08-19T01:47:26Z")
Yes it does. If you’re Taiwanese, you’re not a foreigner. This is clearly another issue where foreigners get the shaft. ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:48am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/36 "2022-08-19T01:48:14Z")
Says very clearly that you have to be born in Taiwan to be accepted KOKO 帳戶申請資格如下： 1. 限年滿 12 歲(未滿20歲者含其法定代理人)並領有中華民國國民身分證且出生地為中華民國境內之自然人，提供身分證、第二證件(健保卡、駕照、護照…)！ 2. 年滿20歲且非國泰世華存戶者，本人需另進行身分驗證，才可完成申請。 3. 未滿20歲之申請人，需由法定代理人進行身分驗證，才可完成申請。 4. 申請人或其法定代理人具有美國應稅身分、多重國籍或「受監護或輔助宣告」身分者不得申請。 5. KOKO數位帳戶每人限開立一戶。 6. 110年6月24日起，暫停開放國泰世華銀行既有實體存戶申辦。 以上文件都備齊後，就可以到 KOKO APP進行線上開戶流程囉 ---
**Author:** ![Marco](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marco/32/179744_2.png) [@Marco](https://tw.forumosa.com/u/Marco)\ **Post date:** [August 19, 2022, 1:48am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/37 "2022-08-19T01:48:50Z")
> [@comfy123](#): > > Says very clearly that you have to be born in Taiwan to be accepted > > KOKO 帳戶申請資格如下： > > 1. 限年滿 12 歲(未滿20歲者含其法定代理人)並領有中華民國國民身分證且出生地為中華民國境內之自然人，提供身分證、第二證件(健保卡、駕照、護照…)！ > > 2. 年滿20歲且非國泰世華存戶者，本人需另進行身分驗證，才可完成申請。 > > 3. 未滿20歲之申請人，需由法定代理人進行身分驗證，才可完成申請。 > > 4. 申請人或其法定代理人具有美國應稅身分、多重國籍或「受監護或輔助宣告」身分者不得申請。 > > 5. KOKO數位帳戶每人限開立一戶。 > > 6. 110年6月24日起，暫停開放國泰世華銀行既有實體存戶申辦。 > > 以上文件都備齊後，就可以到 KOKO APP進行線上開戶流程囉 Your ID card doesnt state where you are born. That is an easier case to fight anyways. ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:49am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/38 "2022-08-19T01:49:19Z")
A naturalised friend of mine had this problem and said it does… ---
**Author:** ![Marco](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marco/32/179744_2.png) [@Marco](https://tw.forumosa.com/u/Marco)\ **Post date:** [August 19, 2022, 1:49am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/39 "2022-08-19T01:49:48Z")
> [@comfy123](#): > > A naturalised friend of mine had this problem and said it does… So what do you propose? At least I can claim a citizen is a citizen is a citizen. ---
**Author:** ![comfy123](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/comfy123/32/258242_2.png) [@comfy123](https://tw.forumosa.com/u/comfy123)\ **Post date:** [August 19, 2022, 1:51am UTC](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991/40 "2022-08-19T01:51:16Z")
For one thing… We need to make everyone aware of the xenophobia. Make the banks loose a lot of face and they’ll change [Previous page](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991.md?page=1) [Next page](https://tw.forumosa.com/t/online-bank-s-xenophobic-reasoning-for-denying-foreigners-the-ability-to-open-an-account-online/230991.md?page=3)