Total Relationship Balance Growth Reward and Wealth Product Reward(1)
up to HK$22,888
Customers who have newly taken upii or upgraded to Private Wealth Service of Bank of China (Hong Kong) Limited during the promotion periodi can enjoy up to HK$22,888 Free Spending Credit upon fulfilment of all the requirements below:- As of 31 March 2026, customers have to maintain:
- A valid BOCHK Mobile Banking account; and
- A valid “Questionnaire on Investment Preference” or complete “Financial Needs Analysis”
- Achieve the designated amount of “Total Relationship Balance” growthiii in the next month after successful designated account opening / upgrading, and maintain the designated amount of “Total Relationship Balance” growth for the subsequent 3 months after the successful designated account opening / upgrading monthiv.
- Private Wealth customers who are entitled to Total Relationship Balance Growth Reward can also enjoy Wealth Product Reward upon fulfillment of all the requirements below:
- Conduct below transactions (“Eligible Transactions”) in the designated trading period with designated aggregate amount as
stated below.
- Fund Subscription (excluding investment fund transactions with subscription fee below 1% / subscriptions to money market funds / switching transactions of investment funds / Monthly Funds Savings Plan / transactions made via “Smart Invest”); OR - Equity Linked Investment Products; OR - Third Party Structured Note linked to Equity*; OR - Corporate Bonds Subscription* (excluding bonds issued by the HKSAR Government / bonds issued by entities or organizations that are wholly owned by the HKSAR Government / sovereign bonds issued by the Central People’s Government / bonds issued by policy banks of the People’s Republic of China) OR - Buying Hong Kong stocks, A shares and US stocks (excluding Monthly Stocks Savings Plan and IPO subscriptions).
- Conduct below transactions (“Eligible Transactions”) in the designated trading period with designated aggregate amount as
stated below.
* Third Party Structured Note linked to Equity and Corporate Bonds are only for Private Wealth Professional Investor customers.
|
Private Wealth account opening / upgrading month |
Transaction Time of Eligible Products (“Designated Trading Period”) |
| January 2026 | April 2026 to May 2026 |
| February 2026 | May 2026 to June 2026 |
| March 2026 | June 2026 to July 2026 |
| Designated Aggregate Amount of Eligible Transactions (HKD equivalent) | Free Spending Credit |
|---|---|
| HK$1,000,000 or above | HK$1,000 |
| HK$500,000 - Below HK1,000,000 | HK$500 |
Remarks: Wealth Product Reward is not applicable to joint-name accounts. Eligible Transactions are determined by the transaction date and / or filled order completion date. For non-Hong Kong dollar denominated fund transactions, the amount of Eligible Transactions will be converted into Hong Kong dollar based on the prevailing exchange rate on such transaction day quoted by BOCHK for calculation of offer entitlement.
| Integrated Banking Services |
Total Relationship Balance Growth Amount
Comparing the next month’s Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of December 2025 |
Total Relationship Balance Growth Reward | |
|---|---|---|---|
| New Customers | Upgraded Customers | ||
 |
HK$20,000,000 or above | HK$21,888 | HK$15,888 |
| HK$15,000,000 or above | HK$8,888 | ||
| HK$8,000,000 or above | HK$8,888 | ||
| HK$6,000,000 – Below HK$8,000,000 | N/A | HK$5,000 | |
Designated Investment Products Transactions Rewards
Make transactions of the Designated Investment Products below to receive Rewards of up to HK$30,688(6a).
Fund
- New investment fund customers# can enjoy 0% subscription fee on the first investment fund subscription made via BOCHK Mobile Banking^, Internet Banking or Branches, and a Fund Subscription Fee Reduction of up to HK$10,000(6b).
- During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6i) via Internet Banking or branches.
- Customers are entitled to enjoy HK$400 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum amount of transfer-in reward is HK$12,000(6j).
- New customers can enjoy 0% subscription fee and HK$100 Reward*,(6k) for the first investment fund subscription made via “Smart Invest” viii.
- Promotion period: From 2 January 2026 to 31 March 2026 (both dates inclusive).
^ Not applicable to investment fund transactions made via “Smart Invest”.
# “New investment fund customers” refers to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 January 2025 to 31 December 2025, or ii) who open their BOCHK Funds accounts on or after 1 January 2026.
## This offer is only applicable to setting up a new “Monthly Funds Savings Plan” via Internet Banking or branches (except Fidelity Investment Funds), with a maximum monthly contribution amount of HK$50,000 (or equivalent).
* Eligible customers have to satisfy the conditions of 1) not having completed any subscription transactions through "Smart Invest" on or before 31 December 2025 and 2) have successfully settled subscription order through “Smart Invest” (no limitation on transaction amount) during the promotion period. The Subscription Fee Offer is not applicable to i) investment fund transactions with subscription fee below 1%, and ii) subscription of money market funds, and iii) switching transactions of investment funds, and iv) Monthly Funds Savings Plan.
Securities
- Successfully open a new securities account to enjoy the first 6 months of unlimited $0 brokerage fee, $0 transaction charge and $0 safe custody fee for buying or selling HK stocks, A shares and US stocks(6c),(6d).
- Unlimited $0 brokerage fee offer(6e) for odd lot selling transactions via the designated trading channel.
- Deposit HK Stocks or A Shares via Central Clearing and Settlement System (CCASS) to enjoy up to HK$10,000 cash reward(6f).
- Enjoy year-round $0 transaction fee for Monthly Stocks Savings Plan(6g), earn gift points by making payments with BOC credit card(6h).
Exclusive Privileges for New Payroll Customers:
HK$688 Payroll Mobile Reward and Exclusive Product Offers(4)
Enjoy HK$688 Payroll Mobile Reward(4b),^ and Exclusive Product Offers upon successful registration and use of Payroll Account and completion of designated transactions.
Use BOCHK Payroll Account 
Complete any two of the designated transactions on mobile^^
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^Payroll Mobile Reward will be credited as BOC Credit Card Free Spending Credit.
^^Complete any two of the following items via the BOCHK Mobile Banking: (1) Register for Payroll Account, (2) New customers open an account via BOCHK Mobile Banking Application (“QR Account Opening” at branches with mobile phones is excluded), (3) Grant IADS consent, authorize to view other banks account, (4) Foreign Currency Exchange, (5) Successfully opened BOC Mastercard® Debit Card and made at least 1 transaction, (6) Buying/Selling Securities, (7) Place Time Deposit, (8) Successfully granted with BOC Express Cash Instalment Loan, (9) Successfully applied and granted with BOC Cheers Card or BOC Chill Card or BOC Go Card, (10) Successfully enrolled in “Universal Smart Travel Insurance Plan” or “Greater Bay Area Travel Insurance Plan” (11) Successfully set BOCHK account as the FPS Default Account for the first time.
| Payroll Account Exclusive Product Offers | ||
|---|---|---|
| Securities Brokerage Fee Offer | BOC Express Cash Instalment Loan - Tax Season Loan Offer | |
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* Only applicable to eligible payroll customers who fulfil designated requirements; please refer to relevant Terms and Conditions for details.
# The maximum brokerage fee rebate amount for each phase during Securities Offer Promotion Period is HK$5,000 and there is no maximum limit for the transaction count.
Welcome Smart Savings Deposit Offer(3a)
New Private Wealth customers can enjoy a preferential USD savings deposit interest rate within the first 100 days upon successful account opening.
| Deposits Balance (USD) | Interest Rate (p.a) |
|---|---|
| Below 120,000 | 2.5% |
| 120,000 or above to below 380,000 | 2.7% |
| 380,000 or above | 3.0% |
Example: Eligible customers who deposit US$380,000 on account opening day and maintain it for the first 100 days can earn about US$3,167 in interest.
Note : The Offer is only applicable to USD deposit of single-name Foreign Currency savings accounts. Interest is calculated on a daily basis and each account is counted separately.
Private Wealth Referral Program(11)
Enjoy Referral Rewards of up to HK$8,888 Cash Reward every time you successfully refer a family member or friend to join Private Wealth during the promotion periodi!
| Referral Requirements | Referee Requirements | Cash Reward |
|---|---|---|
|
newly take up*/upgrade^ Private Wealth service |
HK$3,888 each |
|
HK$8,888 each |
# Including Private Wealth, Wealth Management, Enrich Banking, i-Free Banking Service or Private Banking Service of BOCHK.
* Achieve the Total Relationship Balance of HK$8,000,000 or aboveiii in the next month after the successful Private Wealth account opening, and maintain it for the subsequent 3 months after the successful account opening monthiv.
^ Achieve a Total Relationship Balance of HK$8,000,000 or aboveiii and a Total Relationship Balance growth amount of HK$3,000,000 or above in the next month after successful Private Wealth account upgrade, and maintain it for the subsequent 3 months after the successful account upgrade monthiv.
The more you refer, the more you earn! No referral limit!
FamilyMAX “Legacy of Love” Rewards of up to HK$4,000
“Legacy of Love”
Customer’s children who take up the Private Wealth service can be entitled to the waiver of Total Relationship Balance requirement and welcome offer of up to HK$4,000:
Remarks: Applicable to children aged 18-28 of Private Wealth customers with “Total Relationship Balance” of HK$8,000,000 or above. Subject to terms and conditions. For details, please contact your Relationship Manager or visit branch for enquiry.
Click here to learn more about the latest FamilyMAX promotions.
BOC Mastercard® Debit Card
Debit from 12 major currencies account directly and $0 foreign currency transaction fee*
- Debit from 12 major currencies account directly and $0 foreign currency transaction fee*
- Up to 1% unlimited cash rebate on spending
- Up to 35% off premium discount on designated Travel or GoStudy Insurance (promo code: DEBIT)
- 50% off on Airport Express Ticket via KKday platform (promo code: KKDBOCHKAE)
*Major currencies include HKD, USD, CNY, GBP, JPY, AUD, NZD, CAD, EUR, CHF, SGD and THB. Fees may be charged for cash withdrawals or spending transactions via specific ATM networks/ certain areas. For details, please view "General Banking Services Charges".
The products and offers are subject to the relevant terms and conditions. For details, please visit BOCHK website > "More”> "BOC Mastercard® Debit Card”> "Latest Offers and Benefits”.
Dedicated team of professionals, all-encompassing coverage
Your dedicated team of professionals will always be by your side, ready to plan ahead for your early as possible, helping to maximize your wealth.
RM Chat is here for you whenever you need
Through RM Chat in the BOCHK Mobile Banking, you can connect with your dedicated Relationship Manager and service team by text or voice messages, whichever you prefer.
Opportunities are within reach with insightful wealth stewardship
With a variety of wealth management products and deep understanding of you and your family’s financial goals, Private Wealth helps you overcome any time or geographical constraints to make endeavor for greater potential returns and possibilities.
International financial partners help you reach beyond borders
With our proximity to the Bank of China headquarters, we help you manage your assets seamlessly through our global network and dynamic services, bringing you an international perspective coupled with a diversified offering that stretches beyond expectation.
Enjoy the very essence of life
We have prepared a series of extraordinary products and offers exclusive to Private Wealth customers. No matter where life takes you, you will always be at the centre of the exquisite world of Private Wealth.
Simplicity is at the heart of your seamless experience
Our tailored wealth management experience is designed to fit into your lifestyle. With the thoughtful banking services and exclusive offers that meet your specific needs, we make your investment journey with us seamless, so you do not have to press pause.
Opportunities are within reach with insightful wealth stewardship
With a variety of wealth management products and deep understanding of you and your family’s financial goals, Private Wealth helps you overcome any time or geographical constraints to make endeavor for greater potential returns and possibilities.
International financial partners help you reach beyond borders
With our proximity to the Bank of China headquarters, we help you manage your assets seamlessly through our global network and dynamic services, bringing you an international perspective coupled with a diversified offering that stretches beyond expectation.
Simplicity is at the heart of your seamless experience
Our tailored wealth management experience is designed to fit into your lifestyle. With the thoughtful banking services and exclusive offers that meet your specific needs, we make your investment journey with us seamless, so you do not have to press pause.
Mobile Account Opening
Your bank account is ready to go as soon as your mobile application is completed. Allow you to manage payment, savings financial management and insurance 24 hours around the clock.
^Actual total rewards up to HK$92,792 include “Total Relationship Balance Growth Reward” up to HK$21,888 free spending credit, “Wealth Product Reward” up to HK$1,000 free spending credit, HK$688 Payroll Account Welcome Reward, “BOC Cheers Card” and Supplementary Card welcome offer up to HK$3,640 cash rebate, Designated Investment Products Transaction Rewards up to HK$30,688, Investment Fund Transfer-in Reward and Deposit HK Stocks or A Shares Offer of up to HK$26,000 and up to HK$8,888 for each successful Private Wealth referral.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Foreign Currency Trading/RMB Trading and Investment involves risks. The above products, services and offers are subject to terms and conditions. The Terms and Conditions of the related service will be provided electronically. Please read and accept the related Terms and Conditions. These Terms and Conditions will be available for download and store in the BOCHK website within 30 days of submission of account opening request or transaction instruction. Such information may not be available for viewing or downloading after said specified timeframe.
