Enjoy Time Deposit Preferential Interest rate up to 4.8% p.a.

Promotion Terms and Conditions:

1. The promotion period is from 7 March until 30 June 2026, 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 January 2026, and successfully open an account through BOCHK Mobile Banking Application (excluding “QR Account Opening” Service at branch) during the Promotion Period ("Eligible Customer").
3. Eligible Customer who opens an account successfully via BOCHK Mobile Banking Application, and place HKD / RMB “Mobile Account Opening Time Deposit” with “Eligible New Fund Balance” HK$10,000 / RMB10,000 or above via Mobile Banking of BOCHK with designated promotion codes during the promotion period, can enjoy the preferential time deposit interest rate offer.
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. Each Eligible Customer can only enjoy the HKD and / or RMB “Mobile Account Opening Time Deposit” once and the maximum deposit amount for each currency are HK$100,000 and RMB500,000 respectively.
6. Offers are subject to terms. The above annual interest rate of preferential time deposit published on 7 March 2026 is for reference only. Customers may check the latest rates with BOCHK staff.

General Terms:

• Time deposits should be set up on banking business days of Hong Kong. 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 HKD200: 
  1. Time Deposit Principal x (Prime Rate* - 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 the relevant terms. Please download a backup for reference. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
• The preferential time deposit interest rates is quoted based on the interest rates published on 7 March 2026 by BOCHK and is for reference only. The preferential interest rate is a one off privilege for each time deposit and the subsequent renewal rates of time deposits will be subject to the quotes by BOCHK from time to time.
• 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 application and / or mobile banking and / or online banking.
• By using BOCHK Mobile / Online Banking and / or Mobile App, the viewers agree to the disclaimer and policy of BOCHK on BOCHK Mobile / Online Banking and / or Mobile App 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.