• Withdraw HKD² via over 1,400 ATMs marked with or logos¹;
• Exchange or withdraw RMB³ via over 400 ATMs marked with "RMB available at this ATM" signage covering all districts and MTR stations;
• Manage day-to-day banking services⁴, including balance inquiries, fund transfer, cheque book and monthly statement request, as well as purchase of gift cheque via our ATMs.

• Exchange or withdraw cash from HKD account via ATMs marked with in Macau;
• Exchange or withdraw RMB or foreign currencies⁶ via ATM marked with which covers over 190,000 ATMs in the Mainland, and over 900,000 ATMs worldwide;
• Exchange foreign currencies from HKD account via ATMs marked with logo worldwide.

1. Customers who withdraw cash by BOC Card via ATMs other than those of BOCHK / Nanyang Commercial Bank, Ltd / Chiyu Banking Corporation Ltd and JETCO network in Hong Kong will be subject to a handling fee as well as the terms and conditions stipulated by the relevant bank and network service provider(s).
2. The minimum cash withdrawal amount is HKD100 when using the ATM network of the Bank (BOCHK, Nanyang Commercial Bank, Ltd and Chiyu Banking Corporation Ltd) and HKD300 when using JETCO ATMs.
3. BOC Card customers can exchange for RMB via HKD account or withdraw RMB from RMB account. The minimum amount for RMB cash exchange / withdrawal for each transaction is RMB100 while the general maximum amount is RMB2,500. Customers can enjoy the RMB cash withdrawal and inter-account transfer services under the same bank if the RMB account is attached to BOC Card.
4. It is subject to the types of service made available at the designated ATM.
5. Cash withdrawal via ATMs outside Hong Kong through JETCO, UnionPay or PLUS, is subject to a handling fee as well as the terms and conditions stipulated by the relevant bank and network service provider(s).
6. For cash withdrawal transactions involving RMB exchange, the maximum amount is RMB20,000 per transaction.

By simply linking your BOC Card to both HKD account and RMB account of the Bank, when performing transactions (including purchases and cash withdrawals) at the network of , transaction in RMB will be debited from RMB account whereas those in HKD and other foreign currencies will be debited from HKD account. You can enjoy savings on currency conversion costs.⁷

7. Some ATMs and points of sale terminals do not allow account selection. If there is only HKD account or RMB account linked to your BOC Card and Auto-transfer Service is not activated, the primary account will become your transaction account.

You can enjoy greater flexibility by activating your BOC Card for the "Auto-transfer Service" among accounts linked to your Card. Whenever you spend or withdraw cash with your Card at the network of , the transaction amount will be directly debited from your other account linked to your Card, provided that the outstanding balance of your transaction account is not sufficient.

• Auto-transfer Service is only applicable in cash withdrawal and purchase via the network of .
• You can activate the Auto-transfer Service at any of our branches at the time of or after the application of the BOC Card.
• Once the Auto-transfer Service is activated, whenever you spend or withdraw cash with your Card, if the outstanding balance of your transaction account is not sufficient and there is other account linked to the Card, the transaction amount will be directly debited from your other account. The accounts are debited in the following sequence:

  Account linked to the Card	Transactions in HKD or foreign currencies	Transaction in RMB
  All accounts in the Card is either HKD account or RMB account	Primary account 1st supplementary account 2nd supplementary account (if any)	Primary account 1st supplementary account 2nd supplementary account (if any)
  Both HKD and RMB accounts are linked to the Card	1st HKD account in the Card Another HKD account in the Card (if any) 1st RMB account in the Card Another RMB account in the Card (if any)	1st RMB account in the Card Another RMB account in the Card (if any) 1st HKD account in the Card Another HKD account in the Card (if any)

• If none of the linked accounts has sufficient funds to settle the total transaction payment, the transaction will be cancelled.

• MPF enquiry: For those who enroll in the MPF plan of BOC Prudential Trustee Limited, you can check the balance and the latest contribution of your MPF account via ATM marked with the .
• Self-service bill payment: With your BOC Card, you can pay for utility bills and the like via ATMs marked with , or by registering for the payment service at the terminals with logo.
• Self-service cash deposit: Simply key in the bank account number or insert your BOC Card/BOC Credit Card to the Cash Deposit Machine, you can deposit cash⁹ to your HKD bank account or to settle BOC Credit Card payments. Cash deposited to your account will be available immediately (cash deposited for credit card payment will be cleared in 2 working days).
• Self-service cheque deposit: You can deposit your cheque(s)¹⁰ to your HKD account or to settle BOC Credit Card payments anytime by keying in the bank account number or inserting your BOC Card/BOC Credit Card to the Cheque Deposit Machine.

8. Self-service transactions are only applicable to HKD account.
9. Depending on the model of Cash Deposit Machine, customers can deposit a maximum of 30 or 100 HKD bank notes in the denominations of 1,000, 500 or 100 per transaction. The daily maximum amount for cash deposit is HKD100,000.
10. The funds from cheques (including cheques, gift cheque and cashier's order settled in HKD) will only be available after verification and clearing. Cheque deposited after 5:00pm between Mondays and Fridays, or during Saturdays / Sundays / Public Holidays will be processed on the next clearing day.

Risk Disclosure:
RMB investments are subject to exchange rate fluctuations which may bring both opportunities and risks. The fluctuation in the exchange rate may result in losses in the event that the customer converts RMB into Hong Kong dollars or other foreign currencies.