Terms and Conditions

1. Online Account Application Fee Waiver
   
   1. The promotional period is from 1 July 2026 to 30 September 2026 (both dates inclusive)
   2. Hong Kong Incorporated Entity can enjoy account application fee waiver (equivalent to discounted value of HK$1,200) for its first Business Account application via online. The discount is applicable only to basic account application fee (i.e. HK$1,200). Any additional fees charged on account application, such as service fee on special company account opening will not be subject to the discount.


2. Online Account Opening Time Deposit Terms and Conditions
   
   1. The promotion period is from 1 July 2026 until 31 October 2026, both dates inclusive ("Promotion Period").
   2. This offer is applicable only to customers who apply for a Business Integrated Account via Bank of China (Hong Kong) Limited's ("The Bank") Mobile Banking apps or Internet banking ("Designated Channels") from 1 July 2026 to 30 September 2026("Eligible Customers").
   3. Eligible Customers who successfully place a 1-month HKD “Online Account Opening Time Deposit” with “Eligible New Fund Balance” of HK$10,000 or above via iGTB NET / iGTB MOBILE during the promotion period with promotion code IGTBSEHKD can enjoy the preferential time deposit interest offer:
      

      Currency	Preferential Time Deposit Interest Rate(p.a.)	Promotion Code
      HKD	4.8%	IGTBSEHKD

   4. Each customer can only enjoy the offer once and the maximum deposit amount is HK$100,000. The offer is limited and available on a first-come-first-serve basis.
   5. "Eligible New Fund Balance" refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency (under the same Customer Number) as of last month end, after deduction of the sum of principle amount of the same currency (under the same Customer Number) which has been entitled to all new fund offers of time deposit in current month. The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of the same currency under the same Customer Number 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.
   6. 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.
   7. 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.
   8. The preferential time deposit interest rate in this promotion material is quoted based on the interest rates published on 24 July 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.


3. “Welcome Smart Savings Deposits Offer” Terms and Conditions
   
   1. The promotion period is from 1 July 2026 to 30 September 2026 (both dates inclusive) (“Promotion Period”).
   2. This “Welcome Smart Savings Deposits Offer” (the “Offer”) is only applicable to customers who are required to newly open Business Integrated Account of Bank of China (Hong Kong) Limited (“The Bank”) through the Bank’s Mobile Banking apps / Internet Banking / Branches (“Designated Channels”) during the Promotion Period (“Eligible Customers”).
   3. Eligible Customers can enjoy a preferential HKD / USD savings interest rate, should their HKD / USD savings deposits balance, in respect of a calendar day, reaches designated amount as below (each account is counted separately) :
      HKD
      

      Deposits Balance (HKD)	Interest Rate (p.a.)
      Below $500,000	1.8%
      $500,000 or above to below $2,000,000	2.0%
      $2,000,000 or above	2.2%

      USD
      

      Deposits Balance (USD)	Interest Rate (p.a.)
      Below $120,000	2.7%
      $120,000 or above to below $380,000	2.9%
      $380,000 or above	3.2%

   4. Eligible Customers can enjoy the above Offer within first 100 calendar days, starting from 19th of next calendar month ("Offer Period"), upon successful opened Business Integrated Account of Bank of China (Hong Kong) Limited. After Offer Period, BOCHK's prevailing savings interest rate, announced from time to time, will apply. The "Welcome Smart Savings Deposits Offer" shall be effective on the date stated in the letter of notification issued by the Bank.
   5. The offer is only applicable to HKD / USD deposit of all single-name foreign currency savings accounts maintained under each Eligible Customers, but not applicable to any deposit of current accounts and joint-name accounts. Interest is calculated separately for each account.
   6. Interest is calculated with reference to daily balance, while interest is payable on a monthly basis and will be paid according to the BOCHK's prevailing practice for HKD saving account / foreign currency saving account.
   7. Eligible Customers must maintain a valid HKD saving account / foreign currency saving account with BOCHK at the time when interest under the Offer is given, otherwise BOCHK has the right to forfeit the eligibility of the Offer without any prior notice.
   8. The savings deposit interest rates listed above are for reference only. BOCHK reserves the final right to amend the interest rates.
   9. If the Eligible Customer is entitled to this offer in conjunction with other prevailing savings deposits promotion offer(s) and / or privilege(s), BOCHK reserves the right to grant one or part of the entitled and/or privilege only to the Eligible Customer at its absolute discretion.
   10. The above offers are only applicable to the Selected Corporate Customers of "Business Integrated Account" of BOCHK.
   11. Offer is limited and available while quota lasts.
   12. In case of any dispute, the decision of BOCHK shall be final.
   13. Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.


4. Welcome Offers include:
   
   1. Monthly Service Fee Waiver for the first 3 months (applicable to BIA Elite, BIA Plus and BIA). With the expiry of Monthly Service Fee Waiver for the first 3 months, Bank of China (Hong Kong) Limited ("BOCHK") will determine the BIA Monthly Service Fee according to customers' Total Relationship Balance ("TRB") and start charging the related Monthly Service Fee automatically;
   2. New Customers can enjoy Telegraphic Transfer Handling Fee Offer for a stipulated period after account opening:
      

      Telegraphic Transfer Handling Fee Offer	BIA Elite	BIA Plus	BIA
      New customers can enjoy: HK$30 (original price HK$60) inward telegraphic transfer handling fee HK$60 (original price HK$120) online outward telegraphic transfer handling fee for a stipulated period after account opening	For the first 8 months	For the first 8 months	For the first 8 months

   3. For offer details and terms, please visit Business Integrated Account (BIA) Welcome Offers leaflet
      https://bochk.com/dam/corporatebanking/BIA_Inset_en.pdf.


5. First 12 months Payroll Instruction Fee Waiver
   
   1. To enjoy the Payroll Instruction Fee Waiver for 12 months starting from the month of successful opening of a BIA, customers should not have registered for BOCHK's Payroll Service before successful opening of a BIA and should fulfill below conditions: (a) apply for Corporate Internet Banking at the same time, or (b) have applied BOCHK's Corporate Internet Banking before successful opening BIA; or (c) the customers are not BOCHK's Corporate Internet Banking customers upon successful opening BIA and should apply Corporate Internet Banking at our branches within 6 months upon successful opening of a new BIA.
   2. BIA customers are required to successfully activate the Corporate Internet Banking Payroll Service. This offer is applicable to the Master Customer's HKD Account designated for debit of Monthly Service Fee stipulated on "Account Opening Application Form (Companies/Organisations)" or "Customer/Accounts/Services Information Amendment Form (Companies/Organisations)" and upload payroll instructions through Corporate Internet Banking. This offer does not apply to the customers who are BOCHK's existing Payroll Service customers before opening BIA.
   3. BOCHK will charge Payroll Instruction Fee starting from the 13th month. The fee will be subject to the quotes by BOCHK from time to time. Regarding the Terms of Payroll Service, please refer to "Autopay Services" of "Banking Services" under Part 2 of "Conditions for Services". Customers can access the latest "Conditions for Services" by visiting BOCHK's website (bochk.com).


6. Foreign Currency Exchange Offer
   
   1. Customers can conduct foreign currency exchange via branches, manned phone banking services, Corporate Internet Banking and iGTB MOBILE to enjoy this offer.
   2. To be eligible for this offer, customers should convert HKD to the Designated Currencies (or vice versa) at the telegraphic transfer exchange rates.
   3. This offer is not applicable to foreign currency banknote exchange. Please contact the staff of BOCHK for details.
   4. BOCHK reserves the right to change the foreign currency exchange offer at any time at its sole discretion without prior notice. Please visit
      https://bochk.com/dam/corporatebanking/BIA_Inset_en.pdf for more details.
   
   
7. Insurance Discount
   
   1. BOCHK is the appointed insurance agency of Bank of China Group Insurance Company Limited ("BOCG Insurance") for distribution of the relevant insurance plans. The relevant insurance plans are products of BOCG Insurance but not BOCHK. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the relevant insurance plans should be resolved directly between BOCG Insurance and the customer. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions. Terms and conditions apply. Please note the relevant product risks.

General Term:

1. The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact Bank of China (Hong Kong) Limited ("BOCHK") branch staff.
2. BOCHK reserves the rights to amend, suspend or terminate the above products, services and offers and to amend the relevant terms at any time as its sole discretion.
3. The Terms of the Offer are construed in accordance with, and are governed by the laws of Hong Kong Special Administrative Region.
4. Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
5. Customers are responsible for the data charges of downloading and/or using BOCHK iGTB MOBILE App and/or iGTB Net by their service providers.
6. Please download the BOCHK iGTB MOBILE App from official application stores or BOCHK website. Please pay attention to the identification under the search function, and ensure the search wording is correct.
7. By using BOCHK iGTB Mobile App and/or iGTB NET, the customers agree to be disclaimers and policies of BOCHK in the BOCHK iGTB MOBILE App and/or iGTB Net from time to time.
8. In case of any dispute, the decision of BOCHK shall be final.

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. Currency exchange is also subject to cost (being the spread between the buy and sell of relevant currencies).