Macau Digital Bank — Compare Providers in Macau

Before you sign up

Macau has no domestic IBAN: accounts are addressed with the bank's code and the bank-specific account number, and international payments outside Hong Kong and mainland China channels require the bank's SWIFT/BIC. Confirm the provider is authorised by Monetary Authority of Macao (AMCM) or passported into Macau.

Before you sign up

Banks must be licensed by the Monetary Authority of Macao under the Financial System Act, and payment and stored-value operators need AMCM authorisation; casino-adjacent financial activity falls under DICJ supervision instead. Check AMCM's register of licensed institutions before using a digital provider. Ask what company documents the provider needs for a business registered in Macau.

Before you sign up

The Macau instant transfer (faster payment) service launched under AMCM lets customers move patacas between participating banks and wallets around the clock using mobile numbers or account details, the Macau Payment Switch (MPS) routes card transactions between issuers and acquirers, and Macau Pass is the dominant stored-value wallet; banks also maintain deep HKD and renminbi payment links with Hong Kong and mainland China.

Before you sign up

Check which currencies you can receive, the conversion fee to MOP (Macau pataca), and the withdrawal fee to a local account in Macau.

Before you sign up

Check whether the platform is registered with Monetary Authority of Macao (AMCM) or another authority that oversees crypto in Macau. Crypto is volatile and is usually not covered by deposit protection.