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Banking+

1. Mobile Account Opening Preferential Time Deposit Interest Rate

1.“Mobile Account Opening Time Deposit” HKD Time Deposit Interest Rate up to 4.8% p.a.
2.“Mobile Account Opening Preferential Time Deposit” HKD / USD / RMB Time Deposit Interest Rate up to 3.4% p.a.

Notes: Offers are subject to terms. The above annual interest rate of preferential time deposit published on 11 October 2022 is for reference only. The actual interest rates will be subject to the quotes by BOCHK from time to time.
Learn more: https://www.bochk.com/dam/more/td/bba/boc_popup_e.html

2. Welcome Offers up to HK$12,700


Mobile Account Opening Extra Reward

Customer who opens an account3 successfully via BOCHK Mobile Banking Application during the promotion period1,2 and fulfill all requirements below can enjoy up to HK$100 cash rebate (“Cash Rebate”)

Requirements to be fulfilled to enjoy HK$100 Cash Rebate:
  1. Do not hold any BOCHK single name / joint name / corporate savings, current, loan accounts or safe deposit boxes within 6 months prior to 1 November 2022; and
  2. Aged 18 to 35 on the account opening day (aged 18 and 35 inclusive)
  3. Within the Promotion Period, fulfill one of the below items to enjoy HK$50 cash rebate; fulfill three of the below items to enjoy HK$100 cash rebate:
    • Register BOCHK Payroll Account (“Payroll Service”)
    • Transact an “Eligible Online or Mobile Spending” by paying with BOCHK account / BOCHK Credit Card (For details, please refer to 2 of this terms and conditions)
    • Open new securities account
    • Successful application of BOC Chill Card

1 Promotion period: 1 November 2022 – 31 December 2022
2 Quota for this Promotion is 4,600, first-come, first served and available while the quota lasts
3 Excluding “QR Account Opening Service” at branch


Total Relationship Balance Growth Reward:

Customers who have newly taken up or upgraded to Enrich Banking / i-Free Banking Service during the promotion period and fulfill designated requirements below1,2:

Integrated Account Services
Total Relationship Balance Growth Amount
(comparing to the next month’s Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of Sep 2022)
BOC Credit Card Spending Credit
(“Free Spending Credit”)
 
HK$500,000 – Below HK$1,000,000
HK$300
“Enrich Banking”/
”i-Free Banking”
HK$200,000 – Below HK$500,000
HK$150
 
HK$100,000 – Below HK$200,000
HK$100

1 Until 31 Dec 2022, customer has to maintain a valid BOCHK Mobile Banking account; and a valid BoC Pay account; and a valid “Questionnaire on Investment Preference” or complete “Financial Needs Analysis”.
2 Achieve the following designated amount of “Total Relationship Balance” growth 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 month.

Payroll Service Rewards

Exclusive Rewards for New Payroll Customers up to HK$12,300 equivalent and 6-month $0 Brokerage Fee Securities Offer
  1. 6-month unlimited $0 brokerage fee offer for New/Existing Securities Account3
  2. BOC Express Cash Instalment Loan APR as low as 1.68%, Tax season loan Cash rebate up to HK$3,5004 or Balance Transfer can enjoy up to HK$10,000 Cash rebate
  3. Exclusive FX Reward via BOCHK Mobile Banking up to HK$2,300 reward
  4. Enjoy a discount of up to 20% off for your first-year premium when customers enroll successfully in a qualifying deferred annuity plan5
  5. Monthly Stocks Savings Plan Transaction fee reduction of up to HK$6006
  6. Monthly Fund Savings Plan 0.01% Subscription fee offer7

3 New Securities Account can enjoy first 6 months $0 brokerage fee, Existing Securities Account can enjoy $0 brokerage fee from 1 January 2023 to 30 June 2023.
4 BOC Express Cash Instalment Loan- Tax season loan up to HK$3,500 Cash Rebate: Early Bird Reward up to HK$1,000 Cash Rebate (customers should successfully drawdown the loan on or before 30 November 2022 to be eligible to BOC Express Cash Instalment Loan – Tax Season Loan ) + up to HK$2000 to BOC Express Cash Instalment Loan E-Channel Reward Offer + up to HK$500 Payroll Account Reward.
5 Designated Qualifying Deferred Annuity Plan: BOC Life Deferred Annuity (Lifetime) underwritten by BOC Group Life Assurance Company Limited(“BOC Life”) may also provide a tax deduction.
6 Apply to newly set up Monthly Stocks Savings Plan.
7 Monthly Fund Savings Plan 0.01% Subscription fee offer only applies to customers who subscribe to a new monthly fund savings plan within the promotion period. This offer does not apply to the Fidelity Fund, the Fidelity Fund subscription fee is 0.28%. The maximum monthly fund subscription amount is HK$50,000 (or equivalent foreign currencies).

Total Relationship Balance Growth Reward up to HK$300
+ Mobile Account Opening Extra Reward up to HK$100 + Payroll Service Reward up to HK$12,300

Act Now! Enjoy Welcome Offers of up to HK$12,700!

Spending+

1.New Customers apply for Chill Card can enjoy up to HK$600 Cash Rebate
2.Existing Customers apply for Chill Card and spend over HK$3,000 can enjoy up to HK$300 Cash Rebate
For Chill Card promotion details, terms and conditions, please visit www.bochk.com/s/a/chill_en

Investing+

Open new securities account for buying and selling Hong Kong Stocks, China A Shares or US Stocks to enjoy First-4 months of unlimited $0 brokerage fee exclusive securities offer.

The offer is only applicable to “Enrich Banking”/ “iFree Banking” personal banking customers who open new single-name securities accounts and are aged 18 to 35 on the account opening day.

Cool Living+

Mobile Banking “Refer Friends” Promotion

Customers of Enrich Banking and i-Free Banking (the “Referrer”) can receive referral rewards up to HK$850 when he or she refers friends, given that the referee successfully inputs the Invitation Code and opens an account. The offers are available on a first-come-first-served basis while stocks last.

Eligible Referrals
Referral Rewards (each referral)
1st
$150
2nd
$150
3rd
$150
4th
$200
5th
$200

Other Offers:

Deposit
Preferential RMB & FX time deposit offer with preferential annual interest rates up to 11% p.a.
Credit Card
1. Taobao Mastercard: Maximum rebate amount of HK$400 is entitled for new customer upon successful application
2. BOC Dual Currency Card: Maximum rebate amount of HK$400 is entitled for new customer upon successful application
Securities
1. NotALot Unlimited $0 brokerage fee offer for selling odd lots
2.Set up new Monthly Stocks Savings Plan to enjoy first 12-month transaction fee reduction of up to HK$600. Flexibility to settle the contribution payment by BOC Credit Card to earn Credit Card gift points
Fund
1. 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 there is no cap on the subscription amount of this offer.
2. Customers can enjoy 0% subscription fee without a subscription amount cap on the first investment fund subscription made via “Smart Invest”.
3. Customers can enjoy 0.01% subscription fee upon setting up a new "Monthly Funds Savings Plan" via BOCHK Internet Banking or branches (Except for Fidelity, and the maximum monthly contribution amount is HK$50,000.)
4. Customers can enjoy HK$500 reward for every HK$200,000 (or equivalent) transfer-in of investment fund. The maximum amount of transfer-in reward is HK$10,000.
FX
1. Double rewards from exchanging foreign currencies through BOCHK Mobile Banking:
  • First Offer: HK$200 welcome rewards by accumulating FX transactions of HK$50,000 or above
  • Second Offer: Up to HK$2,300 rewards by accumulating the designated FX transactions amount
2. Integrated Banking Service customers who conduct designated foreign exchange transactions can enjoy up to 30 pips exchange discount
Digital Mortgage Service
Customers who successfully apply for Mortgage loan via digital platforms during the period from now until 31 December 2022 and such mortgage loan is successfully drawn, bind BoC Pay, plus complete 2 of the designated items on or before 30 April 2023 can enjoy the preferential interest rate, cash rebate and extra in total HK$400 BoC Pay Merchant e-Coupons
  • Designated items including: register for "Payroll Service", open "Enrich Banking" service, enroll in "Premier Home Comprehensive Insurance", apply for BOCHK Credit Card or login to BOCHK Internet Banking / Mobile Banking
  • If the amount of cash rebate and / or the BoC Pay Merchant e-Coupons reward is in excess of 1% of the mortgage loan amount, it is required to treat the entire amount of cash rebate and/or the Merchant e-Coupons reward as part of the mortgage loan amount for the purpose of calculating the loan-to-value ratio

Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investments involve risks. The above products, services and offers are subject to the relevant terms and conditions.
Please download a backup or retain the relevant terms and conditions for reference within 1 month after service application.

Designated Qualifying Deferred Annuity Plan: BOC Life Deferred Annuity (Lifetime) underwritten by BOC Group Life Assurance Company Limited (“BOC Life”) may also provide a tax deduction：

  • There might not be tax deduction benefits for retired Policy Owners who are not subject to salaries tax or tax under personal assessment.
  • Certification by the Insurance Authority:
    The mere fact that the Plan has been certified by IA does not mean that the premiums paid for policies under the Plan are eligible for tax deductions. Certification by IA is only an indication that the product complies with the criteria set out by IA. IA’s certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all Policy Owners nor is it an endorsement of its suitability for any particular Policy Owner or class of Policy Owners. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy.
    Please note that the Qualifying Deferred Annuity Policy (“QDAP”) status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. BOC Life does not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at the website of IA www.ia.org.hk.
  • The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.

Risk Disclosure: The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. You should undertake your own independent review and seek independent professional advice before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.
Risk disclosure of Fund: Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser.
Trading Risk of Securities Trading： Monthly Stocks Savings Plan is not equivalent to, nor should it be treated as a substitute for, time deposit. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Risk of Securities Margin Trading： The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop- limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.

You are reminded to understand the relevant details, risks, charges and important notes before investing in Shanghai A shares or Shenzhen A shares. For details, please read the “Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen- Hong Kong Stock Connect”in BOCHK’s website or the branch staff of BOCHK.
Important Notice of US Securities： You should fully understand the details, risks, charges and important notice before invest in US securities. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products.

US securities investment services are not applicable to U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Since the server requires regular maintenance services, the system will not be able to provide the trading, fund transfer, checking securities custody and corporate action services at the following time: Hong Kong time Saturday 11:30am – 4:30pm.

Since the server requires additional maintenance services, the system will not be able to provide the trading, fund transfer and corporate action services (enquiry function remains normal) at the following time: Hong Kong time daily 12:45pm – 2:15pm (during Standard Time in the United States- from the first Sunday in November to the second Sunday in March) or 11:45am – 1:15pm (during Daylight Saving Time in the United States- from the second Sunday in March to the first Sunday in November). Risk of Foreign Currency Trading: Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies.
RMB Conversion Limitation Risk: RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice.
This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.