Online Banking in Taiwan: Setting Up and Using Internet and Mobile Banking

What Taiwanese online banking offers

Online banking in Taiwan (wangyin, 網銀) covers the everyday banking you need as a resident: checking balances and transactions, transferring money between your own accounts and to other people, paying bills (utilities, phone, credit card), and in some cases applying for or managing time deposits. Most banks bundle internet banking and a mobile app, and the two usually share the same login.

This article assumes you already have a Taiwan bank account. If you are just starting, our opening a bank account in Taiwan guide covers what to prepare, and cash needs are handled in the ATM withdrawal guide.

What you need to register

Requirements differ by bank, but in most cases you will need:

• The bank account itself — opened at a branch or online, with the account number and your registered name.
• An identity document — your alien resident certificate (juliu zheng, 居留證) or, for some banks, your passport.
• A phone number — used to receive one-time verification codes for login and transfers.
• Identity verification — some banks activate online banking fully online using your registered details and a code; others ask you to visit a branch or complete a video or call verification once, especially for higher transfer limits.

Expect the first activation to take longer than subsequent logins, and complete it before you need to move money urgently.

English-language availability

English support varies by bank and is not universal. A number of major Taiwanese banks — including CTBC (Zhongxin, 中信), Cathay United (Guotaishih, 國泰世華), E.Sun (Yushan, 玉山), Fubon (Fubang, 富邦) and Taishin (Taixin, 台新) — provide English-language online banking or an English mode in their app, but the completeness of the interface changes over time.

The reliable move is to ask your branch or check the bank’s official English page which interface is current, rather than assume a specific app. If your bank’s English coverage is thin, the practical workaround is to learn the few screens you use most — transfers and bill payment — since the layout is consistent across banks.

Transfers and fees

Online transfers fall into two groups:

• Within the same bank — transfers to your own or others’ accounts at the same bank are usually free or carry a minimal fee.
• Between banks — transfers to accounts at other banks carry a small fee per transaction, which each bank publishes in its service-charge schedule.

Because fee schedules change and differ by bank and transaction type, check the amount shown on the confirmation screen before you send rather than relying on a remembered figure. Larger or same-day transfers and third-party payment services have their own limits and fees. International remittance is a separate service with its own cost structure — see our bank transfers abroad guide.

Security and practical notes

• Two-factor verification — most Taiwanese online banking requires a one-time code sent to your registered phone, an app-generated code, or a physical security device for logins and transfers. Keep your phone number current with the bank; if it changes, update it before you need to move money.
• Transfer limits — banks cap daily transfer amounts online. The limit is often lower by default and can be raised with identity verification, which some banks require in person.
• App updates — banking apps are updated frequently for security; install updates from the official store rather than sideloading.
• Reporting problems — lost phone or a suspicious transaction should be reported to the bank immediately so the account can be secured.

Note — online banking features, English availability and fees are set by each bank and revised periodically. This article is general information as of August 2026. Confirm the current options and charges with your bank’s official page or branch before acting.