Total Relationship Balance Growth Reward and Wealth Product Reward(1)
up to HK$5,200
Customers who have newly taken upii or upgraded to the BOCHK Wealth Management service during the promotion periodi
Customers who have newly taken upii or upgraded to the BOCHK Wealth Management during the promotion periodi :
|
Total Relationship Balance Growth Amount (comparing the Total Relationship Balance of the month following successful account opening or upgrading with the Total Relationship Balance of June 2026) |
Total Relationship Balance Growth Reward | |
|---|---|---|
| HK$5,000,000 - below HK$8,000,000 | HK$3,200 | |
| HK$3,000,000 - below HK$5,000,000 | HK$1,200 | |
| HK$1,000,000 - below HK$3,000,000 | HK$700 | |
Wealth Management customers who are entitled to the Total Relationship Balance Growth Reward can also enjoy the Wealth Product Reward upon fulfilment of all of the requirements below:
- Conduct the following transactions ("Eligible Transactions") within the designated trading period, with the designated aggregate amount:
- Fund Subscription (excluding investment fund transactions with a subscription fee below 1%, subscription of money market funds, switching transactions of investment funds, Monthly Funds Savings Plan, or transactions made via "Smart Invest"); OR
- Equity Linked Investment Products; OR
- Buying Hong Kong stocks, A shares and US stocks (excluding Monthly Stocks Savings Plan and IPO subscriptions).
| Wealth Management account opening / upgrading month | Transaction Time of Eligible Products (“Designated Trading Period”) |
| July 2026 | October 2026 to November 2026 |
| August 2026 | November 2026 to December 2026 |
| September 2026 | December 2026 to January 2027 |
| Aggregate Amount of Eligible Transactions (HKD equivalent) | Free Spending Credit |
| HK$1,000,000 or above | HK$2,000 |
| HK$500,000 - below HK$1,000,000 | HK$500 |
Remarks: The Wealth Product Reward is not applicable to joint-name accounts. Eligible Transactions are determined by the transaction date and/or filled order completion date. For non-Hong Kong dollar-denominated transactions, the amount of Eligible Transactions will be converted into Hong Kong dollars based on the prevailing exchange rate quoted by BOCHK on the relevant transaction day, for the purpose of calculating offer entitlement.
Promotion Period: 14 July 2026 to 30 September 2026, both days inclusive.
FamilyMAX Rewards(10)
Open an account for a chance to win the “Back-to-School Ready Set” and enjoy up to HK$300 in rewards for children’s banking.
Exclusive Privileges for New Payroll Customers(4)
HK$688 Payroll Mobile Reward and Exclusive Product Offers(4)
Enjoy an HK$688 Payroll Mobile Reward(4b), ^ and exclusive product offers(4) upon successful registration and use of a Payroll Account, as well as completion of designated transactions.
| Payroll Account Exclusive Product Offers* | ||
|---|---|---|
| Securities Brokerage Fee Offer | BOC Express Cash Instalment Loan Offer | |
|
Annualised Percentage Rate as low as 1.50%(4d). Payroll customers who apply with reference code “PR” are entitled to an extra HK$1,000 cash rebate, with total cash rebates of up to HK$21,000 (4d)
|
|
- ^ Payroll Mobile Reward will be credited as BOC Credit Card Free Spending Credit.
- * Only applicable to eligible payroll customers who fulfill designated requirements, please refer to relevant Terms and Conditions for details.
- # The maximum brokerage fee rebate amount for each phase during Securities Offer Promotion Period is HK$5,000 and there is no maximum limit for the transaction count.
New Wealth Management customers can enjoy a preferential HKD/USD savings deposit interest rate for the first 100 days following successful account opening:
| Deposit Balance (HK$) | Interest Rate (p.a.) | Example |
|---|---|---|
| Below 500,000 | 1.8% | Eligible customers who deposit HK$2,000,000 on the account opening day and maintain the balance for the first 100 days can earn approximately HK$12,055 in interest. |
| 500,000 or above to below 2,000,000 | 2.0% | |
| 2,000,000 or above | 2.2% |
| Deposit Balance (US$) | Interest Rate (p.a.) | Example |
|---|---|---|
| Below 120,000 | 2.7% | Eligible customers who deposit US$380,000 on the account opening day and maintain the balance for the first 100 days can earn approximately US$3,378 in interest. |
| 120,000 or above to below 380,000 | 2.9% | |
| 380,000 or above | 3.2% |
Note: The Offer is only applicable to HKD / USD deposit of single-name HKD savings accounts / Foreign Currency savings accounts. Interest is calculated on a daily basis and each account is counted separately.
- Deposit HK stocks or A shares via the Central Clearing and Settlement System (CCASS) to enjoy a cash reward of up to HK$10,000(6e)
BOC Cheers Card and Supplementary Card Welcome Offer
Up to HK$1,600 in Cash Rebate
Enjoy a series of dining and travel privileges with the BOC Cheers Card.
BOC Cheers Card
You can enjoy exclusive dining and travel privileges: up to 10X Points on dining and travel spending (equivalent to HK$1.5/mile), 25% off hotel reservations, complimentary airport lounge access, and Buy-1-Get-1-Free menus at selected restaurants… to create many more memorable moments with your family and friends.
New customers who are Wealth Management customers and who successfully apply for a BOC Cheers Card(2a) will be entitled to a Welcome Offer of up to 300,000 Gift Points (equivalent to an HK$1,200 Cash Rebate)x. New customers who successfully apply for a BOC Cheers Card Supplementary Card(2a) and make at least 1 transaction within 1 month after card issuance will be entitled to up to 100,000 Gift Points (equivalent to an HK$400 cash rebate)x.
Foreign Currency Exchange
- Conduct foreign exchange transactions via Mobile Banking to enjoy rewards of up to HK$2,388(7),iii.
- Conduct designated foreign exchange transactions to enjoy exchange discounts of up to 60 pipsiv.
Preferential RMB and FX Time Deposit Offer(3b)
Place a "Preferential RMB and FX Time Deposit" with a fund conversion equivalent to HK$50,000 or above to enjoy preferential deposit interest rates (p.a.)v
Life Insurance
- Enjoy a discount of up to 30% off your first year premium(8a),(8b),vi when you enrol in designated life insurance plans; please contact BOCHK branch staff for details.
- Promotion Period: from 1 July 2026 to 30 September 2026 (both dates inclusive).
For details, please contact BOCHK branch staff.
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") and Bank of China Group Life Insurance Company Limited ("BOC Life") (collectively called: “Insurance Companies”) for distribution of life insurance products. The life insurance products are products of Insurance Companies 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 Life Insurance Plans should be resolved directly between Insurance Companies and the customer.
Notes: The Policy Owner is subject to the credit risk of Insurance Companies. If the Policy Owner discontinues and/or surrenders the designated plans 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.
General Insurance - underwritten by Bank of China Group Life Assurance Company Limited ("BOCG Insurance")
- Customers may enjoy up to 30% off premium discount and HK$150 shopping voucher (limited quota, first-come-first-served) upon successful enrolment in the Universal Smart Travel Insurance Plan via designated online channels(8d).
- Promotion Period: From 10 June 2026 to 8 December 2026 (both dates inclusive)
- Customers can enjoy up to 20% off premium discount for the first-year premium and a HK$100 BoC Pay+ e-Coupon upon successful enrolment in the Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking(8e).
- Promotion Period: From 10 June 2026 to 8 December 2026 (both dates inclusive)
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOCG Insurance for distribution of the General Insurance Plans. The General 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 General Insurance Plans should be resolved directly between BOCG Insurance and the customer.
Fund
- New investment fund customers# can enjoy as low as 0% subscription fee on the first investment fund subscription made via BOCHK Mobile Banking^, Internet Banking or Branches, and a Fund Subscription Fee Reduction of up to HK$25,000(6a).
- During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6h) via Internet Banking or branches.
- Customers are entitled to enjoy HK$400 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum value of the transfer-in reward is HK$12,000(6i).
- New customers can enjoy 0% subscription fee and HK$100 Reward*,(6j) for the first investment fund subscription made via “Smart Invest” xii.
- Promotion period: From 2 July 2026 to 30 September 2026 (both dates inclusive).
^ Not applicable to investment fund transactions made via "Smart Invest".
# New investment fund customers refer to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 July 2025 to 30 June 2026, or ii) who open their Funds accounts on or after 1 July 2026.
## This offer is only applicable for setting up a new "Monthly Funds Savings Plan" via internet Banking or BOCHK Branches (except Fidelity Investment Funds), and the maximum monthly contribution amount is HK$50,000 (or equivalent).
* Eligible customers have to satisfy the conditions of 1) not having completed any subscription transactions through "Smart Invest" from 2 July 2025 to 30 June 2026 and 2) have successfully settled subscription order through “Smart Invest” (no limitation on transaction amount) during the promotion period. The Subscription Fee Offer is 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.
Securities
- Successfully open a new securities account to enjoy the first 6 months of unlimited $0 brokerage fee, $0 transaction charge and $0 safe custody fee for buying or selling HK stocks, A shares and US stocks(6b),(6c).
- Unlimited $0 brokerage fee offer(6d) for odd lot selling transactions via designated trading channel.
- Deposit HK Stocks or A Shares via the Central Clearing and Settlement System (CCASS) to enjoy up to HK$10,000 cash reward (6e).
- Enjoy year-round $0 transaction fee for Monthly Stocks Savings Plan(6f), earn gift points by making payments with BOC credit card(6g).
Mortgage
- Customers are eligible to enjoy a preferential interest rate, cash rebate and extra HK$500 Cash Reward(9a) upon successful application for a BOCHK mortgage loan via the Home Expert App, and that mortgage being successfully drawn, plus subscriptions to any 4 of the designated productsvii.
- Customers who successfully apply for a BOCHK Mortgage Loan and enrol for Wealth Management and apply for a Payroll Account, during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy a up to HK$1,000 extra Cash Reward for using the mortgage service(9b),viii.
- Promotion Period: From 1 July 2026 to 30 September 2026
(loan drawdown date: on or before 31 January 2027)
Reminder: Please contact BOCHK branch staff for the details of latest preferential interest rate, cash rebate and reward.
Loan(4d)
Customers could enjoy the following offer during promotion period:
- Annualised Percentage Rate as low as 1.50%ix
- Cash Rebate Offer:
- New Personal Loan Customers^ applying for BOC Express Cash Instalment Loan via e-Channels# and fulfilling specified criteria can enjoy Double Reward, with Cash Rebate of up to HK$20,000.
- Mortgage/Payroll customers applying for BOC Express Cash Instalment Loan with reference code "PR" can enjoy extra Cash Rebate of HK$1,000.
- Customers who successfully submit an application for a BOC Express Cash Instalment Loan Balance Transfer and fulfil specified criteria can enjoy up to HK$23,888 Cash Rebate.
- Promotion period: 1 July 2026 to 30 September 2026 (Loan Drawdown Date: on or before 31 October 2026).
^ New Personal Loan Customers refer to customers not holding any BOC Express Cash Instalment Loan account as of 30 June 2026. New Personal Loan Customers will be entitled to double reward with up to HK$20,000 cash rebate. For those who cannot meet the definition of New Personal Loan customers, will be entitled to up to HK$10,000 cash rebate.
# e-Channels include BOCHK website, Internet Banking, Mobile Banking and “BOCHK-Banking” WeChat official account.
For details, please refer to Terms and Conditions of the promotion offers.
Credit Card
New customers who are Wealth Management customers and successfully apply for a BOC Cheers Card(2a) will be entitled to a Welcome Offer of up to 300,000 Gift Points (equivalent to HK$1,200 Cash Rebate)x. New customers who successfully apply for BOC Cheers Card Supplementary Card(2a) and make at least 1 transaction within 1 month after card issuance will be entitled to up to 100,000 Gift Points (equivalent to HK$400 cash rebate)x.
Refer Friends
“Wealth Management Refer Friends” Reward(10a) *The number of rewards is limited to the first 3 Wealth Management referrals. Each Eligible Referrer can enjoy maximum rewards of HK$1,500 (assuming the referrer successfully refers 3 Wealth Management customers and fulfils all the requirements).
Reminder: The above offer is limited, offered on a first-come, first-served basis, and available while the quota lasts.
“Banking TrendyToo Refer Friends” Reward(10b) *The number of rewards is limited to first 3 Enrich Banking or i-Free Banking referrals. Each Eligible Referrer can enjoy maximum rewards of HK$450 (assuming referrer successfully referred 3 Enrich Banking / i-Free Banking customers and fulfilled all requirements). #Enrich Banking / i-Free Banking referees are required to be aged between 18 and 40 on the day of account opening (18 and 40 inclusive). Reminder : The above offer is limited, offered on a first-come, first-served basis, and available while the quota lasts.
Eligible customers who successfully refer friends and family members to newly take up or upgrade to Wealth Management, and who meet all of the conditions, can enjoy cash rewards of up to HK$1,500*.
Wealth Management
Reward the referrer can enjoy for each successful referral
HK$500
Eligible customers who successfully refer friends and family members aged between 18 and 40 (inclusive) to open new accounts, and who meet all of the conditions, can enjoy cash rewards of up to HK$450*,#.
Enrich Banking / i-Free Banking
Reward the referrer can enjoy for each successful referral
HK$150
Foreign Currency Exchange
- Conduct foreign exchange transactions via Mobile Banking to enjoy rewards of up to HK$2,388(7),iii.
- Conduct designated foreign exchange transactions to enjoy exchange discounts of up to 60 pipsiv.
Preferential RMB and FX Time Deposit Offer(3b)
Place a "Preferential RMB and FX Time Deposit" with a fund conversion equivalent to HK$50,000 or above to enjoy preferential deposit interest rates (p.a.)v
Life Insurance
- Enjoy a discount of up to 30% off your first year premium(8a),(8b),vi when you enrol in designated life insurance plans; please contact BOCHK branch staff for details.
- Promotion Period: from 1 July 2026 to 30 September 2026 (both dates inclusive).
For details, please contact BOCHK branch staff.
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") and Bank of China Group Life Insurance Company Limited ("BOC Life") (collectively called: “Insurance Companies”) for distribution of life insurance products. The life insurance products are products of Insurance Companies 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 Life Insurance Plans should be resolved directly between Insurance Companies and the customer.
Notes: The Policy Owner is subject to the credit risk of Insurance Companies. If the Policy Owner discontinues and/or surrenders the designated plans 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.
General Insurance - underwritten by Bank of China Group Life Assurance Company Limited ("BOCG Insurance")
- Customers may enjoy up to 30% off premium discount and HK$150 shopping voucher (limited quota, first-come-first-served) upon successful enrolment in the Universal Smart Travel Insurance Plan via designated online channels(8d).
- Promotion Period: From 10 June 2026 to 8 December 2026 (both dates inclusive)
- Customers can enjoy up to 20% off premium discount for the first-year premium and a HK$100 BoC Pay+ e-Coupon upon successful enrolment in the Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking(8e).
- Promotion Period: From 10 June 2026 to 8 December 2026 (both dates inclusive)
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOCG Insurance for distribution of the General Insurance Plans. The General 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 General Insurance Plans should be resolved directly between BOCG Insurance and the customer.
Fund
- 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 a Fund Subscription Fee Reduction of up to HK$25,000(6a).
- During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6h) via Internet Banking or branches.
- Customers are entitled to enjoy HK$400 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum value of the transfer-in reward is HK$12,000(6i).
- New customers can enjoy 0% subscription fee and HK$100 Reward*,(6j) for the first investment fund subscription made via “Smart Invest” xii.
- Promotion period: From 2 July 2026 to 30 September 2026 (both dates inclusive).
^ Not applicable to investment fund transactions made via "Smart Invest".
# New investment fund customers refer to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 July 2025 to 30 June 2026, or ii) who open their Funds accounts on or after 1 July 2026.
## This offer is only applicable for setting up a new "Monthly Funds Savings Plan" via internet Banking or BOCHK Branches (except Fidelity Investment Funds), and the maximum monthly contribution amount is HK$50,000 (or equivalent).
* Eligible customers have to satisfy the conditions of 1) not having completed any subscription transactions through "Smart Invest" 2 July 2025 to 30 June 2026 and 2) have successfully settled subscription order through “Smart Invest” (no limitation on transaction amount) during the promotion period. The Subscription Fee Offer is 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.
Securities
- Successfully open a new securities account to enjoy the first 6 months of unlimited $0 brokerage fee, $0 transaction charge and $0 safe custody fee for buying or selling HK stocks, A shares and US stocks(6b) (6c).
- Unlimited $0 brokerage fee offer(6d) for odd lot selling transactions via designated trading channel.
- Deposit HK Stocks or A Shares via the Central Clearing and Settlement System (CCASS) to enjoy up to HK$10,000 cash reward (6e).
- Enjoy year-round $0 transaction fee for Monthly Stocks Savings Plan(6f), earn gift points by making payments with BOC credit card(6g).
Mortgage
- Customers are eligible to enjoy a preferential interest rate, cash rebate and extra HK$500 Cash Reward(9a) upon successful application for a BOCHK mortgage loan via the Home Expert App, and that mortgage being successfully drawn, plus subscriptions to any 4 of the designated productsvii.
- Customers who successfully apply for a BOCHK Mortgage Loan and enrol for Wealth Management and apply for a Payroll Account, during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy a up to HK$1,000 extra Cash Reward for using the mortgage service(9b),viii.
- Promotion Period: From 1 July 2026 to 30 September 2026
(loan drawdown date: on or before 31 January 2027)
Reminder: Please contact BOCHK branch staff for the details of latest preferential interest rate, cash rebate and reward.
Loan(4d)
Customers could enjoy the following offer during promotion period:
- Annualised Percentage Rate as low as 1.50%ix
- Cash Rebate Offer:
- New Personal Loan Customers^ applying for BOC Express Cash Instalment Loan via e-Channels# and fulfilling specified criteria can enjoy Double Reward, with Cash Rebate of up to HK$20,000.
- Mortgage/Payroll customers applying for BOC Express Cash Instalment Loan with reference code "PR" can enjoy extra Cash Rebate of HK$1,000.
- Promotion period: 1 July 2026 to 30 September 2026 (Loan Drawdown Date: on or before 31 October 2026).
^ New Personal Loan Customers refer to customers not holding any BOC Express Cash Instalment Loan account as of 30 June 2026. New Personal Loan Customers will be entitled to double reward with up to HK$20,000 cash rebate. For those who cannot meet the definition of New Personal Loan customers, will be entitled to up to HK$10,000 cash rebate.
# e-Channels include BOCHK website, Internet Banking, Mobile Banking and “BOCHK-Banking” WeChat official account.
For details, please refer to Terms and Conditions of the promotion offers.
Mobile Account Opening
Your bank account is ready to go as soon as your mobile application is completed, allowing you to manage payments, savings, financial management and insurance around the clock, 24 hours a day.
Upgrade your Integrated Account Services
Enjoy the new wealth management experience and diversified financial solutions from your professional service team.
Apply for a BOC
Cheers Card
New customers who successfully apply for a BOC Cheers Card and a Supplementary Card will be entitled to a Welcome Offer of up to HK$1,600 Cash Rebate (applicable to new customers who fulfil the designated spending requirements).
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investment and FX/RMB trading involves risks and buy-sell spread. The above products, services and offers are subject to terms and conditions. The Terms and Conditions of the related service will be provided electronically. Please read and accept the related 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.
