What Taishin International Bank does

Taishin International Bank (台新國際商業銀行), publicly listed on the Taiwan Stock Exchange under ticker 2887, is a Taipei-headquartered full-service commercial bank founded in 1992 and operating as the core banking subsidiary of Taishin New Light Financial Holdings (台新新光金控). The bank serves retail consumers, micro-enterprises, corporate and institutional clients, tiered wealth management members (翡翠/金鑽/千萬/尊爵/富裕), and — most recently — international talent in Taiwan, through 26+ pages of domestic branches, 10 overseas locations spanning Hong Kong, Singapore, Japan (Tokyo with Fukuoka sub-branch), Australia, Myanmar, China, Thailand, and Malaysia, and a comprehensive digital platform.

The product and technology stack centers on three proprietary digital brands: Richart (digital-only bank and credit card with up to 3.8% cashback across 10,000+ channels under the 'One Card is Enough' benefit structure), Richart Life (lifestyle super-app with digital coupons and loyalty), 智多新 (RoboKing) AI-assisted investment advisory, and the 台新Pay/台新Pay+ mobile payment suite. The platform integrates internet banking, mobile banking, an AI chatbot (智能客服), Taiwan's Open Finance account-linking framework, and MyData-based digital onboarding. Wealth management, credit cards, deposits, mortgages, car loans, personal loans, investment funds, ETFs, structured products, and bancassurance are all distributed through this hybrid digital-plus-branch model.

Revenue is generated through a diversified mix of net interest income (mortgages, car loans, personal credit, card receivables), credit card interchange and merchant discount rates, trust and fund management fees (0.58-0.98% annual on Roboking), bancassurance commissions, FX and trade services through the overseas branch network, and digital banking subscription services. The bank's distribution advantage, recognized digital brand (8 Digital Banker awards in 2026), and June 2026 government designation as a demonstration bank for international talent position it as one of Taiwan's most digitally forward top-tier private banks.

Name

Taishin International Bank

Legal name

台新國際商業銀行股份有限公司

Website

https://taishinbank.com.tw

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Taishin International Bank (TWSE: 2887) is a Taipei-based full-service commercial bank serving retail, wealth, corporate, and international talent customers in Taiwan through 26+ domestic branches, 10 overseas locations, and the Richart digital banking ecosystem including credit cards, robo-advisory, and mobile payments.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Retail banking services
• Wealth management
• Digital banking
• Consumer lending
• Corporate banking

Headquarters

HQ city

Taipei

HQ country

Taiwan

HQ region

Asia

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Primary revenue from interest margins on loans including mortgage loans, car loans, personal loans, and credit facilities. The bank offers competitive rates with promotional pricing such as '前二期利率0.01%' for personal loans during tax season.
2. Credit Card Transaction Fees: Revenue from merchant discount rates (MDR) on credit card transactions, annual card fees, and interchange income. Richart card offers up to 3.8% cashback across 10,000+ channels.
3. Wealth Management and Investment Fund Management Fees: Trust management fees for investment services including '智多新' (Roboking) with fees ranging from 0.58% to 0.98% annual rate based on portfolio size. Fund distribution commissions from third-party fund providers.
4. Bancassurance Commission: Insurance product distribution commissions through 'e指Fun心保' platform and telemarketing channels for life, health, accident, and property insurance products.
5. Foreign Exchange and Trade Services: Revenue from foreign exchange transactions, remittance services, and international banking services including overseas branch operations.
6. Digital Banking Services: Fees from online account services, mobile banking premium features, and digital payment solutions including 台新Pay+.

Pricing tiers

Go-to-market motion2 records

Distribution channels9 records

Marketing channels8 records

Core offering

Taishin International Bank is a Taiwan-based commercial bank offering deposit accounts, mortgage, auto, personal and small-business loans, credit cards (including the Richart Card with up to 3.8% cashback integrating seven reward programs across 10,000+ merchant channels), investment funds and ETFs, AI-assisted investment advisory (Roboking/智多新), insurance distribution, wealth management tiered memberships, and digital payment solutions (Taishin Pay, Taishin Pay+). Services are delivered through more than 26 pages of domestic branches, 10 overseas locations, an ATM network supporting seven languages, internet banking, mobile banking, and the Richart digital banking platform.

Product overview

Taishin International Bank (台新國際商業銀行) operates a unified digital banking platform offering a comprehensive portfolio of financial products and services organized around three core digital brands: Richart (digital banking and credit cards), 智多新 (AI-powered investment advisory), and the 台新Pay suite (proprietary mobile payments), supplemented by proprietary internet banking, mobile banking, and AI chatbot platforms. The product ecosystem spans credit cards (Richart卡), deposits (台幣/外幣存款), loans (房貸/車貸/信貸), investment products (基金/ETF/海外債券/結構型商品), insurance (壽險/產險), wealth management (財富管理 tiered memberships), and digital services (智能客服, 台新 Point loyalty, i理財, iLoan). These platforms share the bank's digital infrastructure and cross-sell through the Richart Life super-app, which consolidates card benefits, coupons, and financial services. The bank serves retail, micro-enterprise, corporate, and international customers through both digital channels (internet banking, mobile app, LINE) and a nationwide branch and ATM network.

Differentiator

Problem solved

Functional benefit

Brands

• Richart: Digital banking sub-brand and app offering online account opening, savings, and investment services.
• Richart Life
• Richart Card
• iLoan
• 智多新 (RoboKing)

Products and services

• Richart Card (Richart卡) A cashback credit card featuring the "One Card is Enough" benefit structure that integrates seven major reward programs across over 10,000 merchant channels, offering up to 3.8% cashback. Richart cardholders also have access to exclusive promotions, digital coupons via Richart Life App, and gift offers.
• Taishin Pay+ (台新Pay+) A QR-code-based mobile payment solution built on Taiwan's national open QR payment standard, integrated into the bank's digital payment ecosystem for in-store and online transactions.
• Taishin Pay (台新Pay) The bank's proprietary QR-code mobile payment solution enabling contactless in-store and peer-to-peer fund transfers, accessible via the bank's mobile and digital banking platforms.
• Richart Digital Bank (Richart數位銀行) A standalone digital banking platform targeting tech-savvy customers, offering full-service savings, investment, and account management entirely through digital channels with no physical branch dependency.
• Internet Banking (個人網銀) Online banking platform providing 24-hour access to account management, transfers, foreign exchange, fund purchases, loan applications, and comprehensive account oversight. Supports both transaction and inquiry membership tiers with a fully English-language interface for international customers.
• Mobile Banking App (台新行動銀行APP) Mobile banking application offering full account access, transfers, foreign exchange, bill payments, and investment management on iOS and Android devices.
• iWealth (i理財) Online Investment Platform An online investment platform offering fund screening, net value lookups, selected fund recommendations, market information, expert commentary, investment reports, and portfolio management tools.
• iLoan Online Platform An online lending platform aggregating personal loan, mortgage, and car loan applications with online approval, loan calculators, and dedicated consultant booking.
• e指Fun心保 Digital Insurance Platform A digital insurance platform enabling online insurance purchases, policy management, and claims tracking for life, health, property, and pet insurance products.
• Tuition and Fee Collection Platform (學雜費入口網) A dedicated platform for educational institution tuition and fee collection, supporting credit card payments, online banking transfers, convenience store payments, and Alipay for international students at partner schools.
• Deposit Services (存款業務) Deposit products including NTD demand and time deposits, comprehensive savings accounts, foreign currency deposits and remittances, and chip-based financial cards for domestic and international withdrawals.
• Loan Services (貸款業務) Loan products covering home mortgages, car loans, personal credit loans, stock/fund secured lending, and cash cards, all available with online application, approval, and identity verification.
• Investment Services (投資服務) Investment products including domestic and offshore funds, ETFs, foreign bonds, structured products, gold accounts, financial derivatives, and trust planning services, supplemented by the AI-driven Roboking advisory, online fund platforms, and "My Zone" personalized portfolio tools.
• Insurance Services (保險服務) Insurance products and services including investment-linked insurance, interest-sensitive insurance, protection-oriented insurance, health and accident coverage, mortgage life insurance, digital insurance, senior-focused plans, and microinsurance, distributed via online, telemarketing, and in-branch channels.
• Wealth Management (財富管理) Wealth management services with tiered membership levels (翡翠/Feicui, 金鑽/Diamond, 千萬/Wealthy, 尊爵/Monarch, 富裕/Affluent), family membership, YBO membership, and cloud membership. Services include investment advisory, insurance planning, and trust services tailored to high-net-worth customers.
• Taishin Point Loyalty Program A loyalty points program integrated across the bank's credit cards, digital banking, and payment services, allowing points accumulation and redemption for air miles, gift cards, and merchant rewards.

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability6 records

Feature8 records

Partnerships

One partnership is on record.

• Talent Taiwan (National Development Council)coreStrategic or Co-development Partner · 8 June 2026Taishin International Bank was selected as one of the inaugural demonstration banks under Taiwan's 'One-Stop Banking Services for Foreigners - Model Initiative' launched by Talent Taiwan, the international talent recruitment and service center established by Taiwan's National Development Council. The bank was recognized for its comprehensive digital and branch-based services including fully English-language Internet banking platform, 24/7 live text-based customer support, and ATMs supporting seven languages. The bank plans to roll out an AI-powered real-time bilingual translation tool by year-end to further enhance accessibility for international customers.

Scale indicators4 records

Recent moves16 records

Expansion highlights6 records

Direct peers

• E.Sun Financial Holding: Mid-sized Taiwanese financial holding company known for digital banking leadership and SME focus. Comparable to Taishin in scale and product mix; often cited alongside Taishin for digital innovation benchmarking in Taiwan's banking sector.
• Hua Nan Financial Holdings: Taiwanese financial holding company operating Hua Nan Commercial Bank with comparable retail, corporate, and wealth management offerings. Competes directly in Taiwan deposit gathering, lending, and fee-based services.
• First Financial Holding: Taiwanese financial holding company with First Bank as core subsidiary. Comparable mid-tier commercial bank competing for retail deposits, mortgages, and SME lending in Taiwan; also maintains overseas branches in Asia.
• Cathay United Bank: Major Taiwanese commercial bank subsidiary of Cathay Financial Holdings, offering a comparable full-service retail, corporate, and wealth management platform with strong digital banking initiatives. Direct competitor for Taishin's Richart and RoboKing offerings.
• CTBC Financial Holding: One of Taiwan's largest financial holding companies, operating CTBC Bank which competes directly with Taishin across retail banking, credit cards, wealth management, and digital banking. Most comparable peer in terms of product breadth, scale, and Taiwan market focus.
• Mega International Commercial Bank: One of Taiwan's largest state-linked commercial banks with significant overseas branch network across Asia, North America, and Europe. Direct competitor in corporate banking, trade finance, and cross-border banking services for Taiwanese enterprises.
• Fubon Financial Holding: Taiwanese financial conglomerate with Fubon Bank as a core subsidiary. Direct competitor in retail banking, credit cards, and wealth management with comparable digital banking investment and similar Hong Kong/Asia-Pacific branch network.

Broad incumbents

• DBS Bank: Singapore-based regional banking leader recognized for digital banking innovation. Comparable to Taishin's Richart strategy and a benchmark for digital customer experience across Asia; both banks target cross-border Asian banking customers.
• OCBC Bank: Major Singapore-headquartered bank with significant Greater China and Southeast Asia operations. Competes with Taishin in cross-border banking for Asian corporates and high-net-worth individuals across the Asia-Pacific region.

Emerging players

• Line Bank (Taiwan): Taiwan-licensed digital-only bank launched by LINE Financial Taiwan. Competes directly with Taishin's Richart digital bank for digitally native retail customers with a pure mobile-first, no-branch proposition that pressures incumbent cost structures.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xline.me/R/ti/p/@taishin
• YouTubeyoutube.com/@ts-holdings
• Facebookfacebook.com/taishinheart
• Instagraminstagram.com/circlestory_taishin

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments6 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Taishin International Bank