I go to the bank, and ask:
Which type of account should I open if I want to receive money from my foreign friend?
"Account" is a singular noun; is it correct that a singular noun follows zero-article? Or should I use "accounts"?
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Your sentence uses the partitive preposition "of" (read here).
"of" is a very complicatated word as it serves a great many purposes. It is technically grammatically correct to say,
Which type of an account...
But that sounds very formal to native English speakers. This is because the article "an" is redundant. The reason it's redundant is because the compound phrase, "type of account" is a compound noun. The compound noun gets (as needed) the article, not necessarily the subordinate noun. For example:
I have one type of account.
I have the type of account that doesn't earn interest.
I have some type of account, but I don't remember which.
"Interest bearing" is a type of account, but it's not the type I need.
Note, however, that deciding whether or not an article is redundant is complicated (and probably has no specific rule). For example, you cannot drop the article "the" in the following statement:
That's half of the problem....
But you can drop the "of"...
That's half the problem....
But, to answer your question, your proposed sentence is fine. Please do not pluralize "account" nor add additional articles.