Kick start your financial journey in just a few steps with “Banking TrendyToo”!
From now until 31 March 2025 (“Promotion Period”),
earn interests from new account opening, and exclusive rewards from
daily spending, stock trading, to new payroll account opening!

Reward 1

“Mobile Account Opening Time Deposit”
HKD Time Deposit Interest Rate
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 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 January 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

“Banking TrendyToo”
Interest on the Goal for New Customers

New “Banking TrendyToo” customers*
who complete designated tasks
can enjoy HKD savings deposits rate of up to 2% p.a.!

Offer Details
Within the promotion period,
customers can enjoy HKD savings deposits
base rate of 1% within the HKD Savings Deposits Rate Offer Period,
and enjoy extra 0.5% p.a. for each completed designated task,
maximum up to 2% p.a.!

Designated Tasks1

Payroll Account2
Foreign Exchange3,4,5
Apply BOCHK Mastercard® Debit Card
Challenge Period
(Both dates inclusive)
HKD Savings Deposits
Rate Offer Period

(Both dates inclusive)
2 January to 20 January 2025
1 February to 28 February 2025
21 January to 20 February 2025
1 March to 31 March 2025
21 February to 20 March 2025
1 April to 30 April 2025


Remark:
* Banking TrendyToo customers refer to personal customers aged 18-35 who hold Enrich Banking/i-Free banking accounts from 2 January 2025 to 20 March 2025.
1 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).
2 Successfully register for payroll account; or start receiving salary by “electronic payroll arrangement” via Payroll Account or newly set up “Standing Instruction” to deposit salary to BOCHK. For the registration record for BOCHK Payroll Account, BOCHK’s system record shall prevail.
3 Customers who have HKD/Multi-Currency/RMB account in sole name.
4 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 Transactions”). The FX Rewards is not applicable to the foreign currency transactions conducted when placing FX Time Deposit at the same time. Exclude Monthly Stocks Savings Plan and IPO Shares Subscription.
5 The transaction date, time, exchange rate and exchange amount of Eligible Exchange Transactions as well as the Total Exchange Amount are subject to the record of BOCHK.
6 BOCHK Mastercard® Debit Card 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 December 2024
1 Prior to 31 March 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.


Act now!

New BoC Pay+ Is Ready!

Become the embodiment of “Payment Master” now! With BoC Pay+ ^,
you can settle payment, manage credit cards and enjoy
Gift Points and Rewards.
Newly registered BoC Pay+ customer can enjoy HK$50 Welcome Rewards!
Download/ Upgrade to BoC Pay+ now!
You may even grab laisee!

^Starting from 6 January 2025, customers will gradually be able to download and register the all-new BoC Pay+.

Grab now!

Credit Card Limited-time Welcome Offer
for “Banking TrendyToo” Customers

New customers who apply for Chill Card within the promotion period can enjoy extra
HK$168 limited-time cash rebate!
Get up to HK$668 cash rebate!
Don’t miss the chance to snap up the “Chill Date” Movie
and Concert tickets every month!

$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.

Tasks
Transfer HK$1 or more to a third-party recipient via Mobile Banking or BoC Pay’s “Transfer/ FPS” function*, enter “TrendyTogether” in the “Message to recipient” field

* 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
1 Only applicable for the first HK$500,000 of stock trading every month
2 The rebate will be deposited to eligible TrendyTogether customer‘s valid HKD savings account

Payroll Service Rewards and other rewards

Exclusive HK$688 reward for New Payroll Customers and other rewards

  1. Payroll Mobile Double Rewards up to HK$688 BOC Credit Card Free Spending Credit2
  2. Up to HK$500 mobile FX rewards3
  3. BOC Express Cash Instalment Loan Tax Season Loan or BOC Express Cash Instalment Loan Top up cash rebate up to HK$14,300 when applying with gift code “PR”; BOC Express Cash Instalment Loan Balance Transfer or BOC Express Cash Instalment Loan Balance Transfer Top up cash rebate up to HK$23,888^
  4. 0% subscription fee4 for the first subscription made via Smart Invest* and up to HK$100 Reward offer for new customer5

1 The promotion period is from 1 January 2025 to 31 March 2025 (both dates inclusive) (“Payroll Promotion Period”)
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 Accumulate designated foreign exchange transactions amount and debit card spending. This Reward is not applicable to the foreign currency transactions conducted when placing FX Time Deposit at the same time & cannot be used in conjunction with other FX promotion offers that are not listed in this promotion material
^ For promotion period for BOC Express Cash Instalment Loan - Tax Season Loan/ BOC Express Cash Instalment Loan Top up/ BOC Express Cash Instalment Loan Balance Transfer/BOC Express Cash Instalment Loan Balance Transfer Top up is from 3 January 2025 – 3 March 2025 (both dates inclusive).
“Smart Invest” promotion period is from 2 January 2025 to 31 March 2025 (both dates inclusive)
4 Not applicable to 1) fund transactions with subscription fee below 1%, and 2) subscription of money market funds, and 3) switching transactions of investment funds, and 4) Monthly Funds Savings Plan
5 Must meet the following conditions 1) have not completed any fund subscription through “Smart Invest” on or before 31 December 2024 and 2) successfully complete a fund subscription through “Smart Invest” (no limitation on transaction amount) during the Promotion Period

Refer Friends

Eligible customers who successfully refer friends and family members to open accounts of the below integrated banking services and meet all of the conditions can enjoy cash rewards up to HK$3,450*!

 
Wealth Management
Enrich Banking/
i-Free Banking#
Refer 1 client to open account
HK$1,000
HK$150
Referrer rewards up to
HK$3,000
HK$450

Referral Steps:

1Login to Mobile Banking or Internet Banking to obtain designated “Invitation Code”
2Share designated “Invitation Code” with friends and family
3Referee successfully open account within promotion period and input the “Invitation Code” during account opening
*Assuming the referrer successfully referred 3 Wealth Management and 3 Enrich Banking / i-Free Banking customers and fulfilled all requirements
#Wealth Management / Enrich Banking/ i-Free Banking referees are required to be aged 18-30 on the day of account opening (aged 18-35 inclusive)
^Has not cancelled personal banking or services in BOCHK in the past 6 months prior to 1 January 2025

Reminder: Quota of this promotion is limited, first come first served and available while the quota last

Other welcome offers


Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investment and Foreign exchange involves risks and trading difference. 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 Fourth 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.