Kick start your financial journey in just a few steps with
“Banking TrendyToo”!
From now until 31 December 2025 (“Promotion Period”),
earn interests from new account opening, and enjoy exclusive
rewards from
daily spending, stock trading, to new payroll account opening!
Reward 1
“Mobile Account Opening Time Deposit”
HKD Time Deposit
Interest Rate
of up to 4.8% p.a.
Within the promotion period, open an account via BOCHK Mobile Banking App, and input promotion code “BBANEWHKD” to enjoy one-month HKD Time Deposit Interest Rate of 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 1 October 2025 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.
Reward 2
Interest on the Goal
HKD Savings Deposits Rate of up to 2% p.a.
New "Banking TrendyToo” customers can enjoy preferential HKD savings deposits rate of 0.8% p.a. ("Base Rate") during the "HKD Savings Deposits Rate Offer Period", and enjoy extra 0.4% p.a. for each designated task, maximum up to 2% p.a.!
Designated Tasks1
* Banking TrendyToo Customers refers to personal
customers aged 18-40 who hold an Enrich Banking /
i-Free account from 1 October 2025 to 20 December 2025
(both dates inclusive).
Remarks:
- Complete designated task(s) with personal single-name account in each Challenge Period; Each transaction will only be calculated once in each Challenge Period(s).
- Eligible Customers must maintain a valid HKD savings account with BOCHK at the time when interest under the Offer is given, and maintain BOCHK account as the FPS Default Receiving Account, otherwise BOCHK has the right to forfeit the eligibility of the Offer without any prior notice.
-
- Conducted foreign exchange transactions through the HKD/Multi-Currency/RMB account in sole name via BOCHK Mobile Banking.
- Only applicable to (a)conversion of Hong Kong dollars into foreign currency, (b) conversion of foreign currency into Hong Kong dollars and (c) cross currency conversion (“Eligible Exchange Transaction”). Foreign Currency Exchange is not applicable to the foreign currency transactions conducted when placing FX Time Deposit at the same time.
- The transaction date, time, exchange rate and exchange amount of Eligible Exchange Transaction as well as the Total Exchange Amount are subject to the record of BOCHK. The relevant exchange amount will be converted into Hong Kong dollars on the basis of the prevailing exchange rate quoted by BOCHK at the close of business on the transaction day. BOCHK reserves the right to amend any calculation method of transaction amount at its sole.
- BOC Mastercard® Debit Card is only applicable to designated customer applications. For details, please refer to the product website and its terms and conditions updated from time to time.
Reward 3
Total Relationship Balance Growth Reward
Customers who have newly taken up or upgraded to Enrich
Banking during the promotion period and fulfill designated
requirements below1,2
^ Comparing the next month’s Total Relationship
Balance after successful account opening or upgrading month
to the Total Relationship Balance of September 2025
1 Prior to 31 December 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 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.
BoC Pay+, a must-have for
“Payment Masters”!
You can settle payments, manage credit cards and enjoy Gift Points Rewards in the app! Newly registered users can enjoy HK$50 Welcome Rewards! Download BoC Pay+ now to enjoy 12% off Gift Points Reward, Bill Payment Rewards and more merchant discounts!
SVF License Number: SVFB072
Payroll Account
Join Lucky Draw with HK$500,000 in prizes and a HK$688 Payroll Mobile Reward
Trading HK Stocks, A Shares or US Stocks
Register to enjoy $0 brokerage fee and $0 safe custody fee
Refer Friends
Eligible customers who successfully refer friends and family members aged 18-40 to open “Wealth Management” / “Enrich Banking” / “i-Free Banking” (“Banking Trendytoo” customers) accounts, and meet all of the conditions can enjoy cash rewards up to HK$3,450*!
Referral Steps:
#“Wealth Management” / “Enrich Banking” / “i-Free Banking” referees are required to be aged 18-40 on the day of account opening (aged 18-40 inclusive), and has not cancelled personal banking or services in BOCHK in the past 6 months prior to 1 October 2025
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!
Investment and FX trading involve risks and buy-sell
spread. 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 (2025 Third
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 US
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 maintenance services, the system will
not be able to provide the trading, fund transfer, checking
securities custody, enquiring transaction records and corporate
action services at certain time.
For HK stocks, A shares and US stocks trading service hours and
system maintenance time, please login to Mobile Banking (click
"Menu" > "Settings" > "FAQ" > "Securities and Securities Margin
Service") or login to Internet Banking (click "Investment" > “HK
Securities” / “A Shares Securities” / "US Securities” > “Help”)
for details.
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.
