Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Key point: Opening a securities account gives access to trading; it does not mean you need to trade immediately or use every feature the broker offers.
The securities account is the trading account
The broker uses it to receive orders, record executions, and maintain transaction-related account information.
The settlement arrangement moves the cash
Purchases require settlement funds, while sale proceeds are credited according to market settlement. Actual debit/credit mechanics depend on the broker and bank setup.
Some workflows can be completed online together
TWSE describes electronic authorization that can integrate securities-account and settlement-account setup in online opening processes.
Do not wait until after execution to find the money
Before placing a buy order, make sure the settlement arrangement and available funds can meet the payment obligation.
Final pre-opening checks
- Confirm the website/app is genuinely operated by the broker
- Understand fees, settlement, order channels, and customer support
- Never give passwords, OTPs, or credentials to another person
- Have settlement funds ready before executing a purchase
Primary / official sources
This page does not recommend a particular broker or account package. Actual eligibility, fees, and features depend on current broker disclosures.