• Minimum account opening balance is as low as HKD1,000.
• Interest is calculated daily and deposited semi-annually.
• Monthly statement listing all banking transactions for your clear overview.
• Serves as the one-stop settlement account for Payroll Service, Direct Debit Authorization and Currency Exchange.
• Manage your account at any branches of BOCHK, Nanyang Commercial Bank Ltd. and Chiyu Banking Corporation Ltd.
• Enquire account balance or transfer funds via ATM, Phone Banking and Internet Banking anywhere, anytime.

• Manage RMB and a variety of foreign currencies conveniently in one consolidated Multi-Currency Savings Account.
• Interest is calculated daily and deposited monthly.
• Monthly statement listing all transaction records for your clear overview.
• Exchange foreign currencies via any branches of BOCHK, Nanyang Commercial Bank Ltd. and Chiyu Banking Corporation Ltd., Phone Banking and Internet Banking anywhere, anytime.

RMB Risk Disclosure:

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

RMB is currently not fully freely convertible. Hong Kong residents who conduct conversion of RMB through bank accounts are subject to a daily limit and they should allow time for exchange of RMB from / to another currency of a RMB amount exceeding the daily limit. Non-Hong Kong Residents (i.e. individuals who are not holders of Hong Kong Identity Card) that intend to conduct conversion of RMB through the banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decision at that moment.

Risk Disclosure of Foreign Currency Trading:

Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollar or other foreign currencies.