Complete Guide to Bank Statement Requirements for Malaysian Students Studying in China
Professional Guide for Bank Statement Preparation
I. What is a Bank Statement?
Basic Definition
A bank statement is a document issued by a bank that proves the applicant or their sponsor has sufficient funds in their account to cover tuition fees and living expenses during their stay in China.
It is typically used for:
" Financial guarantee materials for Chinese university applications
" Submission to Chinese embassies or visa centers for student visa applications (X1 or X2)
II. Who Needs to Prepare Bank Statements?
Required Applicants:
" Almost all self-funded study abroad applicants need to provide this
" Regardless of educational background (SPM, UEC, A-Level, IB, Diploma, etc.)
" Including undergraduate, master's, or doctoral program applications
III. Required Amount Guidelines
Recommended Deposit Amounts:
By Education Level:
" Undergraduate: RM 20,000 RM 30,000
" Master's: RM 30,000 RM 50,000
" Doctoral: RM 40,000 and above
Recommended amount should cover first year's tuition + one year's living expenses (generally estimated at RMB 30,000~50,000)
Need Bank Statement Sample Reference?
Our consultant team can provide professional guidance
Contact Us NowIV. Essential Bank Statement Information
Document Requirements:
Ensure the bank statement clearly shows the following information:
" Account holder's name (can be student or parents)
" Bank name and address
" Account type (Savings/Fixed Deposit)
" Current balance (recommended in RM or equivalent RMB/USD)
" Issue date
" Bank stamp and signature (must be original or Certified True Copy)
Sample Reference:

V. Recommended Banks
Common Malaysian Banks:
" Maybank
" CIMB
" Public Bank
" RHB
" HSBC
" Ambank
Please call the bank to make an appointment and specify the purpose as "Bank statement for Chinese university/visa application"
VI. Frequently Asked Questions
Q1: Must the bank statement be in English?
Yes, it's recommended to get an English version or bilingual version for easier review by universities or visa officers.
Q2: Do I need a bank statement if I have a scholarship?
If you have a full scholarship (such as Chinese Government Scholarship), you can usually be exempted from providing a bank statement, but you'll need to submit the scholarship admission letter.
Q3: Can I use an electronic version of the bank statement?
Generally, it's recommended to use a scanned copy of the stamped original or Certified Copy, depending on the acceptance of the university or visa office.
VII. Bank Statement Preparation Tips
Important Preparation Points:
1. Early Planning: Start preparing funds 3 months in advance, avoid large last-minute transfers
2. Account Selection: Prefer fixed deposit accounts to show fund stability
3. Amount Calculation: Ensure amount covers tuition and living expenses (recommend 20% buffer)
4. Document Validity: Note the validity period, recommend issuing within 1 week of application
5. Translation Requirements: If translation needed, must be certified by professional translation agency
6. Original Documents: Keep all original documents, some universities may require viewing
7. Account Freezing: Some universities require 3-6 months fund freezing, confirm in advance
8. Family Relations: When using parents' account, prepare family relationship proof
9. Bank Selection: Prefer major banks, avoid small banks that might not be recognized
10. Document Backup: Prepare multiple copies and keep electronic backups
VIII. Timeline Planning
# Timeline:
" 6 months before: Start financial planning
" 3 months before: Open fixed deposit account
" 1 month before: Prepare supporting documents
" 2 weeks before: Obtain bank statement
" 1 week before: Prepare translations (if needed)
IX. Common Mistakes to Avoid
Important Notes:
" Avoid large last-minute transfers, may be seen as suspicious
" Don't spread funds across multiple accounts, prefer one account
" Ensure bank statement amount matches application form amount
" Don't use electronically signed versions, must use bank-stamped original
" Avoid using statements from non-mainstream banks
X. Practical Tips
Tips:
" Choose English version to reduce translation needs
" Can prepare both RMB and foreign currency account statements
" Keep all bank transaction records for future reference
" Monitor exchange rates and choose optimal timing
" Maintain good communication with bank about policy changes
Ready to Start Your Study Abroad Journey?
Our consultant team is ready to provide professional support
Contact Us Now