Step-by-Step Guide — Quick Deposit from LINE Bank to Firstrade, Only 150 TWD Fee, and Account Upgrade/Designated Transfer/Fee Subsidy Application Tutorial
Line Bank Deposit to Firstrade, Account Upgrade Agreement, and Fee Subsidy Complete Step-by-Step Guide
Advantages of LINE Bank
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Easy Account Opening: If you have credit records with other banks, you can open an account online by simply filling out the form.
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Interbank transfers free of charge: up to 50 times/month
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Seamless LINE Transfer Integration: No need to use iPASS MONEY for transfers between friends
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Currency exchange available 24/7
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Multiple flexible high-interest deposit plans available for you to mix and match
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Personal Loan: Fast / Integrated / Easy 10-Year Payment
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Securities: Invest in Taiwan stocks starting from 100 NTD
Line Bank US Remittance Offer — Outgoing Fee NT$150, Incoming Fee NT$50
[2026/01/01 Extension Extended Again]:
Promotion Period: The original promotion period is from 2026/1/1 to 2026/6/30
Promotion: Foreign currency remittance fee is NT$150 per transaction (originally NT$600), and foreign currency deposit fee is NT$50 per transaction (originally NT$400)
Promotional Products: Foreign Currency Outward Remittance, Foreign Currency Inward Remittance
This is our biggest incentive to use LINE Bank: until 2026/06/30, depositing funds into Firstrade using a LINE Bank account only incurs a 150 TWD handling fee, with no telegraphic transfer or other fees.
Memo: This promotion started from 2025/01–06 and has been extended twice due to positive feedback (extended from 2025/06 to 2025/12, then again from 2025/12 to 2026/06). Please note the dates!
Click here to apply
Disadvantages
This time, I had to set up a designated account. Since LINE Bank has no physical branches, it requires authentication via the National Identification Card. So, I had to visit the household registration office to apply for the card before using the service, which is more troublesome than going directly to a bank.
Advantages of Firstrade
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Account Opening, Interface, and Features Are Simple and Friendly for US Stock Beginners
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Supports Chinese Interface
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Trade with Zero Fees
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Established Brokerage
Please make sure to use the name on your passport for account opening.
Deposit $10,000 USD or more to apply for a wire fee rebate up to $25 USD
Deposit over $10,000 USD to apply for a wire fee rebate up to $25 USD (up to three times per month)
一旦您的帳戶完全設置好，您就可以開始入金。
Reference Timeline for Fund Deposit (Fastest: 2 Days to Account)
Here is the timeline from my deposit to Firstrade on 10/14 to finally receiving the remittance subsidy.
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Please note this applies only when the designated account is already linked or the amount is less than 50,000. The first time you link a designated account, it will take +2 days to take effect.
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Line Bank shows the beneficiary bank has received the funds, but there is a time lag before Firstrade actually receives the money. (It likely waits until Firstrade completes processing during business hours before showing as received.)
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There may be a delay when applying for the remittance subsidy (for single transfers over $10,000) after Firstrade receives the funds. If you don’t see the record, please check again later or the next day.
LINE Bank Deposit to Firstrade
First, let’s introduce how to deposit funds from Line Bank to Firstrade.
Deposit Your Assets into Firstrade
(Please use the desktop version) After logging into Firstrade, select:
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Customer Service
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Account Funding
If the page is in English, you can select “Traditional Chinese” at the top to change the language.
Get Wire Transfer Information
Select “Remittance” → “Remittance Information” to open a PDF file. You can save this file for easy reference when making deposits later:
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Beneficiary Bank Information — SWIFT Code
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Beneficiary Account Name
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Recipient’s English Address
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Recipient Account Number
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Postscript
LINE Bank App — Remittance to Overseas
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Click “More”
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Scroll down to the “Foreign Exchange” section → Click “Remit Overseas”
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Choose the debit currency: “TWD or USD,” and enter the remittance amount.
Please refer to the Line Bank account upgrade and designated account binding tutorial below first.
Please refer to the Line Bank account upgrade and designated account binding tutorial below first.
Please refer to the Line Bank account upgrade and designated account binding tutorial below first.
Otherwise, you can only remit up to 10,000 TWD. -
Click “Go to Remittance”
Fee Rate (Flat $150 until 2026/06/30)
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Remittance NTD $10,000 / Fee NTD $150 = 1.5%
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Remittance NTD $50,000 / Fee NTD $150 = 0.3%
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Remittance NTD $300,000 / Fee NTD $150 = 0.05%
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Remittance NTD $500,000 / Fee NTD $150 = 0.03%
The larger the amount per transfer, the lower the fee rate. For Firstrade single deposits over $10,000 USD (about $310,000 TWD), you can apply for a fee rebate of up to $25 USD, up to three times per month, which must be requested within 30 days after the transfer (see the tutorial at the end).
Enter Remittance Information
Enter the information from the previous step Remittance Information:
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Beneficiary’s English Account Name:
Apex Clearing Corporation -
Beneficiary Bank Information — Automatically filled by entering the SWIFT code directly
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Enter search:
HATRUS44 -
Choose the first one:
HATRUS44 — BMO Bank N.A CHICAGO -
Recipient account number:
1617711(may change, please refer to actual information)
Scroll down to continue input:
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Recipient Type:
Private (Corporate, Individual) -
Recipient’s English Address — Country: select
United States -
Recipient’s English Address — City/District: Enter
Texas -
Recipient’s English Address — Detailed address:
One Dallas Center 350 N. St Paul, Suite 1300, Dallas, TX 75201(Refer to the previous step’s remittance information) -
⭐️️️️️️ The most important remark, please be sure to fill it in
⭐️️️️️️ The most important remark, please be sure to fill it in
⭐️️️️️️ The most important remark, please be sure to fill it in
Enter according to the previous remittance information:8-digit account number + account holder name
As shown in the picture above:12345678 ZXXXG CXXXG LI -
Click “Next”
Nature of Remittance
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Select “262 Invest in Foreign Equity Securities”
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Click “Agree” to acknowledge the important notes
Remittance Confirmation
The final step is to verify that the information entered is correct, especially the recipient’s account details and the memo section.
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If the transaction details are not confirmed within 60 seconds, the exchange rate quote may be updated.
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No problem, just click “Next” to complete the remittance application.
Completed
Seeing this screen means your remittance application is complete. Please wait for the deposit notification.
The remittance amounts shown in the images are for reference only. (Some images show 50,000, others 100,000)
LINE Bank Remittance Deposit Firstrade Progress Check
You can find the foreign currency transfer notification in the top right notification area of the LINE Bank App. Click it to check the transfer progress.
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On non-holidays, the transfer can be completed on the same day at the earliest. On holidays, it will be processed on the second business day after.
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If the beneficiary information is incorrect, the payment will be rejected, and you will need to pay a return fee and resend the transfer
Apply for Remittance Slip (Transaction Record/Receipt)
In the Line Bank App progress notification (as mentioned earlier), scroll down to find the “Request Receipt/Transaction Certificate” button. Clicking it will send the remittance slip to your email, which you can open using your ID number.
The receiving bank has received the funds, but Firstrade hasn’t seen the money?
This is normal. Although the remittance status on LINE Bank shows “Beneficiary bank has received the funds” and the transfer is complete, Firstrade still needs to wait for US business hours to confirm the funds.
As shown in the image above, although the funds were received on 8/27 at 9:00 AM, Firstrade only confirmed the funds and sent the deposit notification email at 8/28 2:10 AM:
At this point, log in to Firstrade to see the funds credited, and you can start trading US stocks:
“My Account” → “Account Records” will also have deposit records available for inquiry.
Line Bank Account Upgrade and Binding Designated Account Tutorial
Benefits Comparison:
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(After account opening) Basic account: Maximum NT$10,000 per transaction, NT$30,000 per day, NT$50,000 per month.
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(After customer service video call) Account upgrade: Maximum NT$50,000 per transaction, NT$100,000 per day, NT$200,000 per month.
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(After Natural Person Certificate + Customer Service Video Verification) Designated Account: Maximum NT$500,000 per transaction.
Line Bank Account Upgrade
This step actually just raises the basic limit to other banks. (No need for the National ID card here.)
Open the LINE Bank App, scroll down under “More” to find “Others” → “Account Upgrade,” select the type of account to upgrade → choose 2. Video Verification “Start Verification >”.
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Please ensure your internet connection is stable.
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Ensure video call is available
Clicking will start a video call with customer service. You will need to have a video conversation with the representative, who may verify your account information (e.g., ask about your current balance). Once confirmed, your account upgrade will be complete.
Set Up Firstrade Remittance Account
It is recommended to directly set the Firstrade remittance account as the designated account for convenience, speed, and security.
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The designated account will take 2 days to become effective.
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The designated account must first pass verification with a National Identification Certificate.
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The citizen digital certificate verification only supports cards starting with TP07 that contain an NFC chip
Applying for a Citizen Digital Certificate
Please first complete the online Natural Person Application Form:
After submission, you can complete the process at any Household Registration Office counter within 7 days (it does not have to be your registered residence).
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Processing Fee: $250 NTD
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On-site processing and issuance
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Few people apply for the Citizen Digital Certificate at the Household Registration Office, which usually remains open during lunch.
Line Bank Adds Designated Firstrade Overseas Remittance Account
Open the LINE Bank App → “More” → scroll down to Foreign Exchange, tap “My Remittance Records” → “Remittance Designated Account” → “Add Designated Account”.
First Time Use — Complete Account Verification
The first binding requires completing both the “Citizen Digital Certificate Verification” and “Video Verification.” The video verification for account upgrade must be done via a video call with customer service to verify account information.
For the Citizen Digital Certificate, you need to use the newly issued certificate card and complete the card-to-card verification:
The NFC range of the Citizen Digital Certificate is quite short. I tried several times before it worked; on iPhone, hold the camera near the center of the card and slightly move the card left and right. After a few tries, the verification will succeed.
Add a Designated Account
Enter the account information as introduced earlier in the remittance details. After confirming everything is correct, click “Next.”
You need to complete two-factor SMS verification by switching to the newly received message and entering the four-digit code; wait about 1–2 minutes, and receiving a confirmation SMS means the verification is complete.
After successful verification, the designated account will be added successfully!
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After adding, an exclamation mark will appear at the top right corner, indicating it is not yet effective.
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Takes effect after 2 days.
Line Bank Firstrade Designated Account Remittance
“My Remittance Records” → “Remittance Designated Account” → Select Account → Enter Amount → Choose “Remit via Designated Account” → All information will be filled automatically.
Firstrade Fee Reimbursement Application Guide
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Remittance Amount Requirement: Single transaction over $10,000 USD
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Maximum subsidy amount: $25 USD
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Limit: Up to 3 times per month
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Application period: Apply within 30 days after remittance
After logging into Firstrade, select “Customer Service” → “Special Offers” → “Wire Fee Rebate.”
Select remittance information.
If no remittance information appears, please wait a few more days for the data to arrive. (It may not show up immediately after the funds arrive)
Select Remittance Record Data:
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Remitting Financial Institution Name:
LINE Bank Taiwan Limited -
Remittance fee charged by the financial institution:
25
Click “Submit” → “Confirm” to complete the application.
It usually takes about 2–3 business days to receive the remittance subsidy.
You can check the fee subsidy records in “My Account” → “Account Records”.
Firstrade has some issues, causing about a one-day delay: the application status disappears, and the account record does not show the subsidy; after about another day, the deposit record appears!
Although LINE Bank only charges us TWD $150, the actual remittance fee exceeds USD $25, so we still subsidize USD $25.
Disclaimer
This article is for personal experience sharing only and does not guarantee complete accuracy. Please rely on actual conditions when using. The author is not responsible for any losses incurred.
Anti-Fraud Section
Two-Factor Authentication
Be sure to go to “My Account” → “Settings” → Enable “Authenticator App”.
This way, logging in on an unfamiliar device requires completing two-factor authentication first.
Email and Link Domains
No matter how authentic the email looks, always check if the sender is firstrade.com and do not click any links in the email. If you must click, double-check that the URL is from firstrade.com.
Technically, scam emails and fake websites can look exactly the same, making it hard to tell real from fake; regarding URLs:
If it’s not firstrade.com, it’s a scam! It’s a scam! It’s a scam!
If it’s not firstrade.com, it’s a scam! It’s a scam! It’s a scam!
If it’s not firstrade.com, it’s a scam! It’s a scam! It’s a scam!
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