Fubon Commercial Bank Co., Ltd. is a pioneer in Taiwan's financial market, with a "customer-centric, innovation-driven" philosophy of excellence in retail banking, corporate finance and digital services. Founded on January 1, 2005 through the merger of Bank of Taipei and Fubon Bank, this is the first merger of a state-owned bank and a private bank in Taiwan, and is headquartered at No. 237, Section 3, Bade Road, Songshan District, Taipei, Taiwan. As a wholly owned subsidiary of Fubon Financial Holding Co., Ltd. (TWSE: 2881), Taipei Fubon Bank serves more than 6 million customers and has become a leader in Taiwan's banking industry with its solid financial performance and innovative capabilities.
Bank Basic InformationTaipei
Fubon Bank is a commercial bank, privately owned, established on January 1, 2005, headquartered at No. 237, Section 3, Bade Road, Songshan District, Taipei City, Taiwan. The bank was formed by the merger of Bank of Taipei (a state-owned bank) and Fubon Bank (a private bank), and in 2003, Fubon Financial Holdings acquired a 55% stake in International Asia Bank, and on April 1, 2023, it further merged with Risheng Bank to expand its business scale. Fubon Financial Holdings Co., Ltd. was established on December 19, 2001 and listed on the Taiwan Stock Exchange (stock code: 2881), with major shareholders including institutional investors and public shareholders, and the holding structure is centered on Fubon Financial Holdings. Taipei Fubon Bank is strictly regulated by the Financial Supervisory Commission (FSC) of Taiwan and is required to comply with the Banking Act and international financial standards to ensure operational transparency and the safety of customer funds. Its deposits are protected by Taiwan's deposit insurance system, with a maximum coverage of NT$3 million per depositor. The Bank's SWIFT code is TPBKTWTP and the Legal Entity Identifier (LEI) is 5493007T4IX8QJVE4G29. Taipei Fubon Bank has 179 branches in Taiwan, 5 overseas branches and 3 representative offices in Hong Kong, Singapore, Vietnam, Chinese mainland (through Fubon Huayi Bank) and India (Mumbai branch under application), with about 8,945 employees worldwide.
Deposit & Loan Products
depositsTaipei
Fubon Bank provides a variety of deposit products to meet the savings needs of individual and corporate customers:
Fixed deposits: 12 currencies such as NEW TAIWAN DOLLAR, USD and RMB are supported, with deposit terms ranging from 1 month to 5 years, and the minimum deposit amount is NT$5,000. In 2025, the fixed deposit interest rate will vary according to the maturity, such as about 1.225% for 1 month, 1.5% for 3 months, 1.8% for 6 months, 2.0% for 1 year, and 2.5% for 2 years (based on the average interest rate of the five major banks in Taiwan).
Featured products:
high-yield savings account: such as "Fubon Premium Savings Account", which provides an annualized interest rate of up to 1.5%, needs to maintain a balance of more than NT$100,000, and no monthly fee.
Large Certificates of Deposit (CD): Support flexible tenor, suitable for large amount of money customers, the interest rate needs to be queried through the branch or app, and the early withdrawal penalty is 90 to 180 days of interest.
Customers can check the "Cloud Interest Rate" offer through the "Fubon Bank+" app or online banking, and the deposit products support instant opening and interest rate calculation, and some accounts offer free transaction fee offers.
Demand Deposits: Including checking accounts and savings accounts, such as "Fubon Savings Account", the minimum account opening amount is NT$1,000, and the base annualized rate of return (APY) is about 0.05%-0.3%, and the latest interest rate needs to be confirmed through branch or Internet banking (deposit service).
LoansTaipei
Fubon Bank provides comprehensive loan products to meet diversified financing needs
Mortgages: Fixed- and variable-rate mortgages are available for up to 80% of the value of the property and are repaid over a period of up to 30 years. In 2025, the fixed interest rate will be as low as 1.6% (3-year), the floating interest rate will be based on the minimum lending rate (MLR, about 5.5%), and cash rebates and insurance discounts will be provided, and the application will require a credit score of 660 or more and an annual income of more than NT$30,000 (loan services).
Car Loans: Support financing for new and used cars, with a loan amount of up to NT$3 million, a term of up to 72 months, an annualized interest rate (APR) as low as 1.88%, and a credit score of 660 or above.
Personal Line of Credit: Includes Fubon Personal Loan (APR as low as NT$5.99% and amount up to NT$1.5 million) and asset-backed overdraft (up to NT$95% of collateral market value), with a monthly salary of NT$30,000 or above and a good credit history.
Flexible repayment options: Mortgages and personal loans offer no penalty for early repayment, weekly or bi-weekly payment plans, and a revolving line of credit for flexible debt management.
All loans are subject to bank approval, and customers are required to provide credit history, proof of income and asset information, subject to the terms of the loan agreement. Banks' trade finance services, such as letters of credit and trade loans, provide additional support to cross-border businesses (corporate finance services).
Digital Service ExperienceTaipei
Fubon Bank's mobile banking app "Fubon Bank+" is the core of its digital services, which can be downloaded on iOS 14.0 and above and Android 9.0 and above devices, with an App Store rating of about 4.5 and a Google Play rating of about 4.3, with users praising its quick launch (within 2 seconds) and intuitive interface (Fubon Bank+ app). Core features include:
Face recognition: support for biometric authentication (such as Face ID and Touch ID), combined with strong encryption technology to ensure transaction security.
Real-time transfer: Support real-time transfer of NTD through the Taiwan interbank transfer system, with a daily limit of up to NT$1 million, international remittance covering more than 100 countries, and cooperate with Western Union and other platforms to provide low-rate transfers.
Bill management: Support online bill payment, automatic deduction and e-statement, and classify transaction records in real time.
Investment Tool Integration: Support stocks, funds, bonds and derivatives trading through the Fubon Investment Platform, providing real-time market data and investment advisory services.
The online banking platform "Fubon Personal Internet Banking" supports a variety of browsers and provides similar functions, and customers can complete the account opening within 5 minutes through the app or official website. The app supports accessibility features such as dynamic font adjustment and VoiceOver compatibility for visually impaired and hearing-impaired customers. Some users reported occasional technical issues, but the bank continued to optimize the user experience (e-banking services).
Technological InnovationTaipei
Fubon Bank actively explores in the field of financial technology, relying on the technical resources of Fubon Financial Holdings, to promote digital transformation:
AI customer service: Introduce an AI-driven customer service system to analyze transaction behavior, Detect fraud risks in real-time, with plans to launch a virtual assistant in 2025 that will support 24/7 inquiries and personalized financial advice.
Robo-advisor: Provide AI-based investment management services through Fubon Investment Platform, recommend diversified investment portfolios according to customers' risk appetite, with a minimum investment of NT$1,000 and no subscription fees.
Open Banking API Support: Follows the Open Banking Framework of the Financial Supervisory Commission of Taiwan and integrates with third-party service providers to provide account management and financial services interoperability, especially in the areas of trade finance and cross-border payments.
Other innovations: support for QR code payments, mobile check deposits, and the eTradeConnect platform to simplify trade finance applications; Launched online foreign exchange service, customers can book foreign currency through online banking and collect it at designated branches. In 2024, the bank will invest NT$3 billion to upgrade its cloud technology and data analytics platform to improve operational efficiency.
Featured Services & DifferentiationTaipei
Fubon Bank is known for its localized services and internationalization capabilities:
SME support: Provide customized loans and cash management services through Fubon SME Services, participate in the SME Financing Guarantee Program of the Taiwan Financial Regulatory Commission, and approve loans in as fast as 10 seconds with an amount of up to NT$3 million (SME services).
International presence: 5 overseas branches and 3 representative offices in Hong Kong, Singapore, Vietnam, Chinese mainland (through Fubon Huayi Bank) and India (Mumbai branch under application) to support trade finance (international services) in countries along the "Belt and Road".
Sustainable Finance: Actively responding to the United Nations Principles for Responsible Banking, it launched green bonds and preferential interest rate loans to support environmentally friendly projects, and won the "Taiwan Green Finance Pioneer Award" for ESG performance in 2023.
Wealth Management: Through Fubon Wealth Management, we provide individual pension funds, unit trusts and insurance products, which are in line with the global investment market and meet the needs of high-net-worth customers (wealth management).
Community Contribution: Through the Fubon Foundation, we will support education and charity projects, donate NT$5 million for community development in 2023, hold financial literacy lectures, and improve the financial literacy ability of young people.
Market Position & HonorTaipei
Fubon Bank is one of the leading commercial banks in Taiwan, with total assets of NT$12.07 trillion in 2024, ranking second among financial holding companies in Taiwan and ranking first in the industry in terms of total market capitalization. With 179 domestic branches serving more than 6 million customers, the bank occupies a leading position in the SME and retail banking segments. Its international footprint covers Asia and North America, and it will rank high on the Forbes Global 2000 list in 2023. Major accolades include:
Forbes World's Best Banks 2025.
The Asian Banker 2023 "Best Retail Bank in Taiwan" Award.
2022 Greenwich Associates SME Customer Experience Award.
2023 "Taiwan Green Finance Pioneer Award".
Taipei Fubon Bank's solid financial performance and innovation capabilities have made it a leader in the financial markets of Taiwan and the region.
SummaryTaipei
Fubon Commercial Bank Co., Ltd. has become a pioneer in Taiwan's financial market with its historical heritage, international business layout and innovative financial services. It offers a wide range of deposit and loan products, including high-yield savings accounts, term deposits, and flexible mortgages and personal loans, to meet the diverse needs of its customers. In terms of digital services, the "Fubon Bank+" app has been well received for its efficient real-time transfer and investment management functions. Technological innovations, including AI customer service, robo-advisors, and open banking API support, demonstrate its forward-looking digital transformation. With its SME support, international presence, commitment to sustainable finance, and multiple industry accolades in 2025, Taipei Fubon Bank continues to demonstrate strong competitiveness and influence in the financial markets of Taiwan and the region.
