Enjoy Time Deposit Preferential Interest rate up to 4.8% p.a. and Referral Rewards up to HK$6,450 upon Mobile Account Opening

During the promotion period, new customers who successfully open accounts via BOCHK Mobile Banking Application* can enjoy the following fabulous offers :

1) Enjoy 4.8% p.a. preferential interest rate by placing a 1-month HKD “Mobile Account Opening Time Deposit”; and

2) Enjoy referral rewards up to HK$6,450 by referring new customer(s). (Given that the referee(s) successfully inputs your Invitation Code and opens an account via Mobile Account Opening.)

Preferential Time Deposit Interest Rate

Mobile Account Opening Time Deposit (Note 3)

Currency  1-month Mobile Banking Promotion Code

*Excluding “QR Account Opening” Service at branch

6 Steps for Easy Account Opening

Step 1    Step 2    Step 3 
Download BOCHK Mobile App, press “Open Account” at the main page    Scan Hong Kong Identity Card    Perform Facial Recognition 
Step 4    Step 5    Step 6 
Input Mobile Phone Number    Set up Internet Banking User Name and Password    Provide Personal Information 

Steps of placing a Time Deposit via Mobile Banking

How to place a Preferential Time Deposit via Mobile Banking?

Promotion Terms and Conditions:

  1. The promotion period is from 1 April 2024 until 30 June 2024, both dates inclusive (“Promotion Period”).
  2. This offer is only applicable to personal banking customer who do not hold any Bank of China (Hong Kong) Limited ("BOCHK") single name / joint name / corporate savings, current, loan accounts or safe deposit boxes before 1 April 2024, and successfully open an account through BOCHK Mobile Banking Application (excluding “QR Account Opening” Service at branch) during the Promotion Period ("Eligible Customer").
  3. “Mobile Account Opening Time Deposit”: Eligible Customer who opens an account successfully via BOCHK Mobile Banking Application, and place a 1- month HKD “Mobile Account Opening Time Deposit” with “Eligible New Fund Balance” HK$10,000 or above via Mobile Banking of BOCHK with designated promotion codes during the promotion period, can enjoy the preferential time deposit interest rate offer. Each Eligible Customer can only enjoy the HKD “Mobile Account Opening Time Deposit” once and the maximum deposit amount for each Eligible Customer is HK$100,000. 
  4. “Eligible New Fund Balance” refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency as of last month end, after deduction of the sum of principle amount of the same currency which has been entitled to all new fund offers of time deposit in current month. Time deposit new fund offer is applicable to sole name account only. The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of the same currency of Sole name account will be counted towards the calculation of "Eligible New Fund Balance". In case of any dispute on the definition of "Eligible New Fund Balance", the decision of BOCHK shall be final.
  5. The subsequent renewal rates of time deposits will be subject to the quotes by BOCHK from time to time. Saturdays, Sundays and Public Holidays are not banking business day. The Eligible Time Deposit and/or the interests will be credited to the relevant savings accounts on the next banking business day.
  6. Offers are subject to terms. The above annual interest rate of preferential time deposit published on 1 April 2024 is for reference only. The actual interest rates will be subject to the quotes by BOCHK from time to time.

General Terms:

  • Deposits may not be uplifted before maturity. For a call deposit, maturity refers to the expiry of your notice of the agreed period to BOCHK. BOCHK may permit an early uplift subject to payment of BOCHK losses, expenses and charges (in the amounts determined by BOCHK). No interest will be payable on the deposit if an early uplift is permitted. Interest on a deposit is only payable at maturity. A deposit, which would otherwise mature on a non-business day (like Saturday, Sunday or public holiday), matures on next business day.
  • If BOCHK exercises discretion to allow uplift of time deposit before maturity, no interest will be payable and the customer must pay charges calculated based on the following formulae (whichever is higher) subject to a minimum of HK$200: 
    1. Time Deposit Principal x [(Prime Rate* - 2.50%) – Time Deposit Interest Rate] x No. of Days due to Maturity/Total No. of Days in a Year
    2. Time Deposit Principal x (Inter-Bank Offer Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year

               *Subject to the rate as quoted by BOCHK from time to time.

  • The above Products, Services and Offers are subject to terms and conditions. Please download a backup or retain this email for reference. For details, please refer to the relevant
  • BOCHK reserves the right to amend, suspend or terminate the above products, services and offers, and to amend the relevant terms at any time at its sole discretion.
  • Offer is limited, first come first served and available while quota lasts. In case of any dispute, the decision of BOCHK shall be final.
  • Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
  • The customer is responsible for paying the relevant data costs incurred by using and / or downloading the BOCHK Mobile Banking.
  • By using BOCHK Mobile Banking, the viewers agree to the disclaimer and policy of BOCHK on BOCHK Mobile Banking from time to time. 
  • Please download the mobile app from the official software application store or BOCHK homepage, and pay attention to the identifying words of the search.