kv-m kv-blank
Join Private Wealth to
enjoy the welcome rewards of
up to HK$85,000^
Welcome offers

Total Relationship Balance Growth Reward and Wealth Product Reward(1)

up to HK$12,888
Customers who have newly taken upii or upgraded to Private Wealth Banking Service of Bank of China (Hong Kong) Limited during the promotion periodi, can enjoy up to HK$12,888 Free Spending Credit upon fulfilment of all the requirements below:

  1. Prior to 31 March 2025, customers have to maintain:
    • A valid BOCHK Mobile Banking account; and
    • A valid “Questionnaire on Investment Preference” or complete “Financial Needs Analysis”
  2. 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 upon the successful designated account opening / upgrading monthiv.
  3. 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 account opening / upgrading month and the subsequent month with designated aggregate amount.
      - Fund Subscription (excluding investment fund transactions with subscription fee below 1% / subscription of 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 subscription).

* Third Party Structured Note linked to Equity and Corporate Bonds are only for Private Wealth Professional Investor customers.

Private Wealth / Wealth Management
account opening / upgrading month
Transaction Time of Eligible Products
(“Designated Trading Period”)
January 2025 From May 2025 to June 2025
February 2025 From June 2025 to July 2025
March 2025 From July 2025 to August 2025

Aggregate Amount of Eligible Transactions (HKD equivalent) Free Spending Credit
HK$1,000,000 or above HK$2,000
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 transactions, the transaction amount will be converted into Hong Kong dollar at the exchange rate determined by BOCHK. The relevant transaction amount shall be determined by the Bank.

Private Wealth Next Generation Upgraded Reward

Private Wealth customers who are entitled to Total Relationship Balance Growth Reward can also enjoy Private Wealth Next Generation Upgraded Reward upon fulfilment of all the requirements below:

  • Newly take up or upgrade to Private Wealth during Promotion Period; and
  • Complete the designated registration form and provide simple information of the child/grandchild ("Designated Next Generation") who newly take up or upgrade to Private Wealth within the upgraded month; and
  • The Designated Next Generation must newly take up or upgrade to Private Wealth and fulfill the requirement of Total Relationship Balance Growth Reward during promotion period, both eligible Next Generation Upgraded Customer and Designated Next Generation can enjoy Next Generation Upgraded Reward of HK$5,000 Free Spending Credit.


Each eligible customer can only entitle Next Generation Upgraded Reward once. Customer who entitle the reward cannot entitle the offer of Private Wealth Referral Program and/or Taste of Private Wealth Program.

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 2024

Total Relationship Balance Reward Wealth Product Reward Next Generation Upgraded Reward
Free Spending Credit
HK$8,000,000 or more HK$10,888 Up to HK$2,000 HK$5,000

Designated Investment Products Transaction Rewards

Up to HK$40,888**

** Assuming that the customer fulfills the designated requirements and submits a new fund-in amount of HK$17,000,000. The amount of rewards received by the customer may vary depending on the customer’s actual new fund-in amount and investment strategies. Designated products include but are not limited to Equity Linked Investment Products or Third Party Structure Note linked to Equity or Corporate Bonds or Securities. Cash reward of subscribing Equity Linked Investment Products is up to HK$30,888, and depositing HK Stocks or A Shares can enjoy up to HK$10,000 cash reward. Third Party Structured Note Linked to Equity and Corporate Bonds are only for Private Wealth Professional Investor customer. Please refer to below Designated Investment Products Transaction Rewards for relevant offers and details.

Designated Investment Products Transactions Rewards

Transactions of below Designated Investment Products Rewards of up to HK$40,888**.

Equity Linked Investment Products / Third Party Structured Note linked to Equity / Corporate Bonds

  • Cash reward of subscribing Equity Linked Investment Products / Third Party Structured Note linked to Equity+ / Corporate Bonds+
    up to HK$30,888 (For each investment product)(6a) (Customers should have registered to use the e-Statements / e-Advices of investment products).

+ Third Party Structured Note Linked to Equity and Corporate Bond are only for Private Wealth Professional Investor customers.

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 the cap of Fund Subscription Fee Reduction is HK$6,000(6b).
  • During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6g) via Internet Banking or branches.
  • Customers are entitled to enjoy HK$800 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum amount of transfer-in reward is HK$16,000(6h).
  • Promotion period: From 2 January 2025 to 31 March 2025 (both dates inclusive).

^ Not applicable to investment fund transactions made via “Smart Invest”.

# New investment fund customers refer to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 January 2024 to 31 December 2024, or ii) who open their BOCHK Funds accounts on or after 1 January 2025.

## This offer is only applicable for setting up a new “Monthly Funds Savings Plan” via Internet Banking or branches (except Fidelity Investment Funds), and the maximum monthly contribution amount is HK$50,000 (or equivalent).

Securities

  • Successfully open new securities account to enjoy first 3 months $0 brokerage fee* for buying HK Stocks, A Shares(6c) and US Stocks(6d) via designated trading channel.
  • Unlimited $0 brokerage fee offer(6e) for odd lot selling via 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).

* Designated trading channel of HK Stocks and A Shares includes Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK. Designated trading channel of US Stocks includes Internet Banking or Mobile Banking of BOCHK. The maximum brokerage fee reduction is HK$30,000 for buying Hong Kong stocks and/or A shares of each eligible new securities customer. The maximum brokerage fee reduction is HK$30,000 for buying US stocks of each eligible new securities customer.

Exclusive Privileges for New Payroll Customers:

HK$688 Payroll Mobile Double Reward and Exclusive Product Offers(4)

Enjoy HK$688 Payroll Mobile Double Reward(4b),^ and Exclusive Product Offers and so on upon successful registration and use of Payroll Account and completion of designated transactions!

Register & Use BOCHK Payroll Account Complete any two of the designated transactions on Mobile^^
Register for Payroll Account via Mobile Banking
BOC Mastercard®
Debit Card
Tax Loan
= Payroll Mobile Double Reward
HK$688^
Securities
FX
Time Deposit
Credit Card
Binding
Register for Payroll Account via Mobile Banking
BOC Mastercard®
Debit Card
Tax Loan
Securities
FX
Time Deposit
Credit Card
Binding
= Payroll Mobile Double Reward
HK$688^

^Payroll Mobile Double 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 via BOCHK Mobile Banking, (2) Successfully open BOC Mastercard® Debit Card and accumulate spending of HK$5,000 (or its equivalent) or above, (3) Be successfully granted a BOC Express Cash Instalment Loan — Tax Season Loan, (4) Buy / Sell Securities, (5) Foreign Currency Exchange, (6) Place Time Deposit, (7) Successfully applied and granted with BOC Cheers Card or BOC Chill Card or BOC Dual Currency Card, (8) Successfully set BOCHK account as the FPS Default Account or (9) Successfully register and bind BoC Pay+.

Payroll Account Exclusive Product Offers
Securities Brokerage Fee Offer BOC Express Cash Installment Loan Offer
  • Buying HK Stocks, A Shares or US Stocks: $0 brokerage fee and $0 safe custody fee(4c)
  • $0 transaction fee for Monthly Stocks Savings Plan(4d)
Payroll customers who apply for a BOC Express Cash Instalment Loan can enjoy a preferential ratexv and receive an extra HK$500 cash rebate*, (4e)

# Designated trading channels of HK Stocks and A Shares include Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK. Designated trading channels of US Stocks include Internet Banking or Mobile Banking of BOCHK. The maximum brokerage fee reduction is HK$30,000 for buying Hong Kong stocks and / or A shares of each eligible new securities customer. The maximum brokerage fee reduction is HK$30,000 for buying US stocks of each eligible new securities customer.

* Only applicable to eligible payroll customers who fulfil designated requirements, please refer to relevant Terms and Conditions for details.

100-day HKD Savings Deposits Offer(3a)

New Private Wealth customers can enjoy preferential HKD savings deposits interest rate within the first 100 days upon successful account opening.

Deposits Balance (HKD) Interest Rate (p.a)
Below HK$500,000 2.2%
HK$500,000 – below HK$2,000,000 2.5%
HK2,000,000 or above 2.8%

Example: Eligible customers who deposit HK$2,000,000 on account opening day and maintain for the first 100 days, can earn around HK$15,342 interest.

Note : The Offer applies to single name accounts only. 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$5,888 Cash Reward every time you have successfully referred a family or friend to join Private Wealth during the promotion periodi!

Referral Requirements Referee Requirements Cash Reward
Should have taken up Integrated Banking Services with BOCHK# newly take up*/upgrade^to
Private Wealth service
HK$3,888 each
  • Should have taken up Integrated Banking Services with BOCHK#
  • Maintained as a valid “Registered Customers” of Business Integrated Account**
HK$5,888 each
Selected SME customers

#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 of BOCHK account opening, and maintain for the subsequent 3 months upon the successful account opening monthiv.
^Achieve the Total Relationship Balance of HK$8,000,000 or aboveiii & the Total Relationship Balance growth amount at HK$3,000,000 or above in the next month after successful Private Wealth account upgrading, and maintain for the subsequent 3 months upon the successful account upgrading monthiv.
**“Registered Customers” refer to the Integrated Banking Services customer who is the sole proprietor of sole proprietorship, partners of partnership or directors of limited company of Business Integrated Account with BOCHK on 31 December 2024.

The more you refer, the more you earn! No referral limit!

BOC Mastercard® Debit Card Exclusive offer for new and existing holders:

  • 1% unlimited spending cash rebate
  • HK$500 Welcome Reward on foreign currency exchange# - conduct foreign exchange transactions via Mobile Banking and transactions via debit card for designated amount
  • 50% off Airport Express Ticket via the KKday platform (promo code: KKDBOCHKAE)

# Only applicable to Private Wealth, Wealth Management and Enrich Banking customers who did not have foreign exchange transaction via BOCHK (including buy or sell of any foreign currencies available in BOCHK) between 1 July 2024 and 31 December 2024.

Unless otherwise specified, promotion period is from 2 July 2024 to 31 December 2024 (both dates inclusive). Terms and condition apply to the FamilyMAX “BOC Mastercard® Debit Card” Reward. Quota of the offers are limited and first-come-first-served. For details, please click here.

^BOCHK is the appointed insurance agency of BOCG Insurance for distribution of the Relevant Insurance Plans. The Relevant Insurance Plans are products of BOCG Insurance but not BOCHK. The above offers and insurance plans are subject to terms and conditions, please pay attention to the related product risks. For more product information and policy terms, please visit BOCHK official website at www.bochk.com:
BOCHK official website->Insurance->Travel and Leisure

Unparalleled privileges of Private Wealth
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.

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.

Act Now!
Enquiry or make an appointment to open Private Wealth account

(+852) 3988 2188

Call
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.

Learn more

^Actual total rewards up to HK$85,840 include “Total Relationship Balance Growth Reward” up to HK$10,888 free spending credit, “Wealth Product Reward” up to HK$2,000 free spending credit, HK$688 Payroll Account Welcome Reward, BOC Express Cash Instalment Loan Balance Transfer up to HK$23,888 cash rebate, “BOC Cheers Card” and Supplementary Card welcome offer up to HK$1,600 cash rebate, Designated Investment Products Transaction Rewards up to HK$40,888, and up to HK$5,888 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.