Mobile Account Opening | BOC (HK) Limited – Bank of China
Mobile Account Opening
Enjoy Preferential Time Deposit Offer
Digital Banking

Always On and Beyond

Open Account with Ease to Enjoy Integrated Account Services
  • BOCHK is the first bank to integrate with "iAM Smart" to save time on identity authentication and filling in forms.
  • Use HKD, foreign currencies, QR Cash withdrawals and integrated account services right away.
  • Concurrently open a securities account by uploading proof of address.
  • The All-in-One APP for Wealth Management, Investment and Spending
  • Review accounts, FPS transfers and bill payments anytime.
  • Trade HK stocks, China A shares, US stocks, mutual funds, foreign currencies and other investment products.
  • Earn rewards as you spend. Settle payments with ease.
  • Make cross-border remittance in a snap.
  • Get Started

    Open Account with Ease in 4 Steps

    Download the BOCHK Mobile Banking APP, select “Open Account”
    1
    Download the BOCHK Mobile Banking APP, select “Open Account”
    Complete identity authentication
    2
    Complete identity authentication
    Set up username and password
    3
    Set up username and password
    Fill in brief personal information to complete account opening
    4
    Fill in brief personal information to complete account opening
    Account Opening Promotion Preferential Time Deposit
    During the promotion period, new customers who successfully open accounts via BOCHK Mobile Banking Application1 can enjoy preferential Time Deposit interest rate with designated promotion code.
    1Not applicable to QR Code account opening service at branches. Terms and conditions apply.
    1Select “Place Time Deposit” from “Manage”.
    user-guide-tutorial-step-1
    1Select “Place Time Deposit” from “Manage”.
    user-guide-tutorial-step-1

    FAQ

    To be eligible to apply for mobile account opening via BOCHK Mobile app, you must:

    • A new-to-bank customer, or not holding any BOCHK savings or current account in single account / joint account (holding BoC Pay Payment Account or BOC Credit Card is eligible); 
    • Aged 18 or above; 
    • Hold a valid Hong Kong Permanent Identity Card (HKID) 
    • Nationality (Country/Region) is China (Hong Kong)/ China (the Mainland) /China (Macao); 
    • Provide a valid mobile phone number
    • Provide valid residential address and correspondence address


    If you do not fit these criteria, you can visit any of our branches in person for account opening.

    BOCHK Mobile App enables you to apply below accounts and services in one-go:

    • i-Free Banking
    • HKD Savings Account
    • Multi-currency Savings Account
    • Mobile Banking and Internet Banking
    • BOC Card (ATM Card)


    Without visiting a branch,the process is simple and fast. Please download BOCHK
    Mobile App (https://www.bochk.com/dam/more/mini/mbk/en.html).

    If you choose "iAM Smart" for identity verification, you need to log in "iAM Smart" application for identity verification. In addition, you can store your personalized data and enjoy the convenience brought by auto form-filling via “Form-Filling with "e-ME"” function in “iAM Smart”. If you choose "Capture HKID Card" for identity verification, you need to take photo of your HKID and your face to verify your identity.
    If you submit application and open account successfully during service hours (Monday to Friday 9:00am to 8:00pm, Saturday 9:00am to 1:00pm (excluding public holidays)), your accounts are ready for use immediately. We will send you SMS and email notification. You may login Internet Banking / Mobile Banking to check your account number and activate Small Value Transfer with maximum daily transfer limit of HKD10,000. We will review your application information within 4 working days, after that, your BOC Card will be activated, and your total daily transfer limit of Registered Third Party Account (including remittance) / Small Value Transfer of Internet Banking / Mobile Banking will be increased to HKD210,000. You can login to Internet Banking /Mobile Banking to adjust your limit anytime.
    If you submit your application during non-service hours, we will handle the application in next working day. Submit application and/or open accounts successfully, we will send you SMS and email notification.

    Except current account opening, you can enjoy various banking services via Internet Banking / Mobile Banking, such as fund transfer, currency exchange and time deposit placement, etc.


    To enjoy full banking services, please bring along your identity document to visit any of our branches and provide us a specimen of your handwritten signature, in order to upgrade the accounts to become full function accounts.

    For third party fund transfer, you may activate Small Value Transfer with maximum daily transfer limit of HKD10,000 after successful account opening. We will review your application information within 4 working days, after that, your BOC Card will be activated, and your total daily transfer limit of Registered Third Party Account (including remittance) / Small Value Transfer of Internet Banking / Mobile Banking will be increased to HKD210,000, and maximum daily bill payment limit will be increased to HKD60,000 (Note). You can login to Internet Banking /Mobile Banking to adjust your limit anytime.


    Note: Maximum daily bill payment limit includes: maximum daily bill payment limit for "Bank's Designated Merchants" is HKD50,000, and maximum daily bill payment limit for “General Merchants” is HKD10,000. "Bank's Designated Merchants" are merchants who entrust our bank to collect payment. Except for "Bank's Designated Merchants", the others are "General Merchants". For more information, please refer to Internet Banking > Bill Payment > Merchant Category > Merchant Details.

    After successful account opening, you can continue to apply for an investment account in Mobile Banking and you have to upload a valid address proof during the process. We will inform you the status within 4 working days (excluding Saturday, Sunday and public holidays).

    Note: Account opening service of investment account is not available in Internet Banking, for customers who opened account successfully via Mobile App.
    • The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
    • The customer is responsible for paying the relevant data costs incurred by using and / or downloading the BOCHK Mobile Banking.
    • Please download the mobile app from the official software application store or BOCHK homepage, and pay attention to the identifying words of the search.
    • By using BOCHK Mobile Banking, the viewers agree to the disclaimer and policy of BOCHK on BOCHK Mobile Banking from time to time.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited.
    • The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
    • The customer is responsible for paying the relevant data costs incurred by using and / or downloading the BOCHK Mobile Banking.
    • Please download the mobile app from the official software application store or BOCHK homepage, and pay attention to the identifying words of the search.
    • By using BOCHK Mobile Banking, the viewers agree to the disclaimer and policy of BOCHK on BOCHK Mobile Banking from time to time.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited.
    Preferential Time Deposit Offer