Mobile Account Opening
Preferential Time Deposit Interest Rate
“Mobile Account Opening Time Deposit” HKD Time Deposit Interest Rate up to 4.8% p.a.
Notes: The preferential time deposit interest rate in this promotion material is quoted based on the interest rates of Hong Kong Dollars published on 2 April 2024 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.
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Payroll Service Rewards1
- Payroll Mobile Double Rewards up to HK$688 BOC Credit Card Free Spending Credit2
- Up to HK$2,688 mobile FX rewards3
- BOC Express Cash Instalment Loan or BOC Express Cash Instalment Loan Top up cash rebate up to HK$6,800; BOC Express Cash Instalment Loan Balance Transfer or BOC Express Cash Instalment Loan Balance Transfer Top up cash rebate up to HK$23,888^
- 0% subscription fee4 for the first subscription made via Smart Invest and up to HK$100 Reward offer5
1 The promotion period is from 1 April 2024 to 30 June 2024 (both dates inclusive) (“Payroll Promotion Period”)
^ The Promotion Period for BOC Express Cash Instalment Loan Products are from 3 April 2024 to 2 July 2024 (both dates inclusive).
2 Must fulfill all the requirements of Payroll Account Reward set and successfully complete any TWO of the designated missions. For details please refer to section 4b of the terms and conditions
3 Cannot be used in conjunction with other Foreign Exchange rewards
4 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
5 Must meet the following conditions i) have not completed any subscription transactions through “Smart Invest” on or before 30 June 2024 and ii) successfully settled the subscription order through “Smart Invest” (no limitation on transaction amount) during the promotion period
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:
(comparing the next month’s Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of March 2024)
(“Free Spending Credit”)
”i-Free Banking”
1 Prior to 30 June 2024, 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 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.
Up to HK$27,364 equivalent Exclusive Product Rewards for New Payroll Customers
+ Total Relationship Balance Growth Reward up to HK$300!
Act Now! Enjoy Welcome Offers of up to HK$27,664!
$0 brokerage fee
Start investing in Stocks
Personal banking customers aged 18 to 30, and complete the simple tasks can join the to enjoy annual $0 brokerage fee1,2 & $0 safe custody fee2 for trading HK Stocks, A Shares or US Stocks transactions.
enter “TrendyTogether” in the “Message to recipient” field; and
*Does not apply to transfers to the account holder’s own account with Bank of China (Hong Kong) or other banks under the same name.
up to HK$800 Welcome Reward
（from today until 30 June)
1 Only applicable for the first HK$500,000 of stock trading every month
2 The rebate will be credited to BOC Chill Card in the form of Credit Card Free Spending Credit
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Credit Card Offer
New customers apply for Chill Card can enjoy welcome offer of HK$500 upon successful application!
Don’t miss the chance to snap up the “Chill Card” Movie and Concert tickets every month!
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Refer Friends
Customers who successfully refer friends and family to open new accounts with designated Invitation Code and meet all of the conditions, the referrer can enjoy rewards up to HK$6,450*!
i-Free Banking#
Referral Steps:
#Enrich Banking/ i-Free Banking referees are required to be aged 18-35 on the day of account opening (aged 18 and 35 inclusive)
^Customers at the age of 11 to 17 who have take up i-Free Banking service or Wealth Management customers who open “Kiddie Sky Savings Account” for their children below the age of 11. During account opening of “i-Free Banking service”, “My Invitation Code” of Wealth Management customer must be inputted in “Referrer Invitation Code” field by BOCHK branch staff to verify their relationship.
Reminder: Quota of this promotion is limited, first come first served and available while the quota last
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.
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.
Terms of the Promotion Offers and General Terms and Risk Disclosure (2024 First Quarter)
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 Mondays to Saturdays 12:00pm – 12:30pm.
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 – 5:30pm (during Standard Time in the United States- from the first Sunday in November to the second Sunday in March) or 11:45am – 4:30pm (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.
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