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.
Choose a broker first
Apps, order interfaces, recurring-investment menus, service, fee promotions, and supported settlement banks vary by broker. Start by listing the features you actually expect to use.
Prepare identity and contact verification
Current online-opening rules permit several identity methods, including bank-account verification, citizen digital certificates, chip cards, image/video verification, and other compliant methods, depending on the broker.
Set up the settlement account
Stock purchases create cash-settlement obligations. Some brokers integrate settlement-account setup into the online process, while others may require specific banking arrangements.
Review risk disclosures before trading
Opening an account requires agreements and risk disclosures. Account approval does not mean every higher-risk trading feature is appropriate for a beginner.
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.