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Join Wealth Management
to enjoy up to
HK$34,000xii
welcome rewards
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Welcome offers

Total Relationship Balance Growth Reward(1)

up to HK$3,300

Customers who newly take up or upgrade to BOCHK Wealth Management serviceii during the promotion periodi

Customers who newly take up or upgrade to BOCHK Wealth Management Banking serviceii during the promotion periodi :

Total Relationship Balance Growth Amount

Comparing the next month's Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of June 2023

Total Relationship Balance Reward
BOC Credit Card Free Spending Credit
HK$5,000,000 - below HK$8,000,000 HK$3,300
HK$3,000,000 - below HK$5,000,000 HK$1,500
HK$1,000,000 - below HK$3,000,000 HK$700

Exclusive Privileges for New Payroll Customers(4)

HK$600 Payroll Mobile Double Reward and up to HK$26,288 Exclusive Product Offers(4)

Enjoy HK$600 Payroll Mobile Double Reward(4b), * and up to HK$26,288 Exclusive Product Offers(4) and so on upon successful registration and use of Payroll Service!

Payroll Service Privileges
Securities Brokerage Fee Offer Exclusive Rewards Smart Invest
New/Existing Securities Account buying and selling HK Stocks, A Shares and US Stocks 6 months $0 brokerage fee offer #, (4d), (4e) Payroll customers who apply BOC Express Cash Instalment Loan can enjoy preferential interest ratex and up to HK$23,888 cash rebate *,(4f)

Up to HK$2,300(4c) Reward of Foreign Currency Exchange
0% fund subscription fee without a subscription amount cap on the first investment fund subscription made via Smart Invest xi, (4g) & HK$100 Reward for new customers(4h)
  • # New Securities Account can enjoy first 6 months $0 brokerage fee. Existing Securities Account can enjoy $0 brokerage fee from 1 October 2023 to 31 March 2024.
  • * Only applicable to eligible payroll customers who fulfill designated requirements, please refer to relevant Terms and Conditions for details.

Exclusive for New Wealth Management Customer

“100-day HKD Savings Deposits Offer”(3a)

New Wealth Management customers can enjoy preferential HKD savings deposits interest rate within the first 100 days upon successful account opening:

Deposit Balance (HKD) Interest Rate (p.a.) Example
Below HK$200,000 1.28% Eligible customers who deposit HK$500,000 on account opening day and maintain for the first 100 days, can earn around HK$3,260 interest.
HK$200,000 – below HK$500,000 1.88%
HK$500,000 or above 2.38%

Note: The Offer applies to single name accounts only. Interest is calculated on a daily basis and each account is counted separately.

Deposit Securities Offer (6g)

up to HK$4,000

  • Deposit HK Stocks or A Shares to enjoy up to HK$4,000 cash reward(6g)

BOC Cheers Card Welcome Offer

up to 20,000 miles

Enjoy a series of dining and travel privileges with 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 reservation, complimentary access to airport lounge, Buy-1-Get-1-Free menu at selected restaurants...... to create much more memorable moments with your family and friends.

Other offers
100-day HKD Savings Deposits Offer(3a)

New Wealth Management customers can enjoy preferential HKD savings deposits interest rate within the first 100 days upon successful account opening.

Foreign Currency Exchange
  • Conduct foreign exchange transactions via Mobile Banking can enjoy up to HK$2,000 reward(7),iii.
  • Integrated Banking Services customers who conduct designated foreign exchange transactions can enjoy up to 60 pips exchange discountiv.
  • Up to HK$2,300 exclusive rewards of Foreign Exchange via Mobile Banking for new to payroll customers(4c).
Preferential RMB and FX Time Deposit Rates(3b)

Place a time deposit -“Preferential RMB and FX Time Deposit” with conversion of funds of equivalent HK$50,000 or above can enjoy the preferential deposit interest rates (p.a.)v

Life Insurance – underwritten by BOC Group Life Assurance Company Limited (“BOC Life”)

  • Enjoy a discount of up to 8% off for your first year premium(8a),vi when customers enroll in BOC Life Deferred Annuity (Lifetime) underwritten by BOC Group Life Assurance Company Limited (“BOC Life”) that may also provide a tax deductionvii. You may also enjoy the first year premium discount from other designated life insurance plan, please contact BOCHK branch staff for details.

For details, please contact BOCHK branch staff.

BOCHK is the appointed agency of BOC Life for distribution of life insurance products. The life insurance products are products of BOC Life 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 BOC Life and the customer.

General Insurance(8b), (8c)- 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 upon successful enrolment in Universal Smart Travel Insurance Plan via designated online channels.
  • Promotion Period: From 29 June 2023 to 13 December 2023
  • Customers can enjoy up to 20% off premium discount for the first year premium upon successful enrolment in Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking.

Promotion Period: From 29 June 2023 to 13 December 2023 (both dates inclusive).

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(6)

  • Existing investment fund customers* by making investment fund switching transactions via BOCHK Mobile Banking^, Internet Banking or branches during the promotion period can enjoy 0.8% switching fee on the first two investment fund switching transactions. The total maximum fund switching fee reduction is HK$20,000 (or equivalent). (6b)
  • 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 the cap of Fund Subscription Fee Reduction is HK$20,000 (or equivalent). (6c)
  • 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.

    Promotion period: From 3 July 2023 to 30 September 2023 (both dates inclusive).

* Existing investment fund customers refer to personal customers of BOCHK who have investment fund holdings or made transactions from 1 July 2022 to 30 June 2023.

^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 2022 to 30 June 2023, or ii) who open their Funds accounts on or after 1 July 2023.

## 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).

Securities

  • Successfully open new securities account to enjoy first 3 months $0 brokerage fee for buying and selling HK Stocks, A Shares(6d) and US Stocks.(6e)
  • Unlimited HK$0 brokerage fee offer(6f) for odd lot selling.
  • New payroll customers successfully open new securities account to enjoy first 6 months $0 brokerage fee for buying and selling(4d).
  • Deposit HK Stocks or A Shares to enjoy up to HK$4,000 cash reward.(6g)

Mortgage(9)

  • Customers are eligible to enjoy preferential interest rate, cash rebate and extra HK$400 BoC Pay merchant e-Coupons(9a) upon successful application for BOCHK mortgage loan via Home Expert App, and if such mortgage is successfully drawn, and BoC Pay is bound with BOCHK Credit Card, Smart Account and/or Payment Account, plus subscription to any 2 of the designated productsviii.
  • Customers who successfully apply for BOCHK Mortgage Loan and Wealth Management; complete any one of the following items: apply Payroll Account, hold single-name securities account and conduct transaction via “PickAStock” function or Foreign Exchange Service during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy HK$500 extra Cash Reward of mortgage serviceix.
  • Promotion Period: From 1 July 2023 to 30 September 2023
    (loan drawdown date: on or before 31 January 2024)

Loan

  1. Annualized Percentage Rate(4f) as low as 1.85%x
  1. Cash Rebate Offer(4f)
  • Customers successfully submit the application of BOC Express Cash Instalment Loan and fulfill designated conditions, can enjoy up to HK$6,800 Cash Rebate and extra HK$300 cash rebate for successful supporting documents.
  • Customers successfully submit the application of BOC Express Cash Instalment Loan Balance Transfer and fulfill designated conditions, can enjoy up to HK$23,888 Cash Rebate.
  • Promotion Period: From 4 July 2023 to 30 September 2023 (last drawdown date on or before 31 October 2023)

For details, please refer to Terms and Conditions of the promotion offers

Credit Card

New customer who successfully apply for BOC Cheers Card will be entitled to Welcome Offer up to 20,000 miles(Applicable to new customers who fulfill designated spending requirements)

Refer Friends

Successfully referred friends and family to newly open Integrated Banking Services with designated Invitation Code and meet all of the conditions during the promotion period, can enjoy reward up to HK$2,850 cash reward*!

Each successful referral:

Wealth Management

Enrich Banking / i-Free Banking#

Referrer can enjoy HK$800 cash reward

Referrer can enjoy HK$150 cash reward

The number of rewards is limited to the first 3 successfully Wealth Management referral and first 3 EnrichBanking/i-FreeBanking referral. The rewards are limited and available on a first-come-first-serve basis.

#Enrich Banking / i-Free Banking referees are required to be aged 18-35 on the day of account opening (aged 18 and 35 inclusive)

100-day HKD Savings Deposits Offer(3a)

New Wealth Management customers can enjoy preferential HKD savings deposits interest rate within the first 100 days upon successful account opening.

Foreign Currency Exchange
  • Conduct foreign exchange transactions via Mobile Banking can enjoy up to HK$2,000 reward(7),iii.
  • Integrated Banking Services customers who conduct designated foreign exchange transactions can enjoy up to 60 pips exchange discountiv.
  • Up to HK$2,300 exclusive rewards of Foreign Exchange via Mobile Banking for new to payroll customers(4c).
Preferential RMB and FX Time Deposit Rates(3b)

Place a time deposit -“Preferential RMB and FX Time Deposit” with conversion of funds of equivalent HK$50,000 or above can enjoy the preferential deposit interest rates (p.a.)v

Life Insurance – underwritten by BOC Group Life Assurance Company Limited (“BOC Life”)

  • Enjoy a discount of up to 8% off for your first year premium(8a),vi when customers enroll in BOC Life Deferred Annuity (Lifetime) underwritten by BOC Group Life Assurance Company Limited (“BOC Life”) that may also provide a tax deductionvii. You may also enjoy the first year premium discount from other designated life insurance plan, please contact BOCHK branch staff for details.

For details, please contact BOCHK branch staff.

BOCHK is the appointed agency of BOC Life for distribution of life insurance products. The life insurance products are products of BOC Life 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 BOC Life and the customer.

General Insurance(8b), (8c)- 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 upon successful enrolment in Universal Smart Travel Insurance Plan via designated online channels.
  • Promotion Period: From 29 June 2023 to 13 December 2023
  • Customers can enjoy up to 20% off premium discount for the first year premium upon successful enrolment in Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking.

Promotion Period: From 29 June 2023 to 13 December 2023 (both dates inclusive).

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(6)

  • Existing investment fund customers* by making investment fund switching transactions via BOCHK Mobile Banking^, Internet Banking or branches during the promotion period can enjoy 0.8% switching fee on the first two investment fund switching transactions. The total maximum fund switching fee reduction is HK$20,000 (or equivalent). (6b)
  • 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 the cap of Fund Subscription Fee Reduction is HK$20,000 (or equivalent). (6c)
  • 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.

    Promotion period: From 3 July 2023 to 30 September 2023 (both dates inclusive).

* Existing investment fund customers refer to personal customers of BOCHK who have investment fund holdings or made transactions from 1 July 2022 to 30 June 2023.

^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 2022 to 30 June 2023, or ii) who open their Funds accounts on or after 1 July 2023.

## 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).

Securities

  • Successfully open new securities account to enjoy first 3 months $0 brokerage fee for buying and selling HK Stocks, A Shares(6d) and US Stocks.(6e)
  • Unlimited HK$0 brokerage fee offer(6f) for odd lot selling.
  • New payroll customers successfully open new securities account to enjoy first 6 months $0 brokerage fee for buying and selling(4d).
  • Deposit HK Stocks or A Shares to enjoy up to HK$4,000 cash reward.(6g)

Mortgage(9)

  • Customers are eligible to enjoy preferential interest rate, cash rebate and extra HK$400 BoC Pay merchant e-Coupons(9a) upon successful application for BOCHK mortgage loan via Home Expert App, and if such mortgage is successfully drawn, and BoC Pay is bound with BOCHK Credit Card, Smart Account and/or Payment Account, plus subscription to any 2 of the designated productsviii.
  • Customers who successfully apply for BOCHK Mortgage Loan and Wealth Management; complete any one of the following items: apply Payroll Account, hold single-name securities account and conduct transaction via “PickAStock” function or Foreign Exchange Service during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy HK$500 extra Cash Reward of mortgage serviceix.
  • Promotion Period: From 1 July 2023 to 30 September 2023
    (loan drawdown date: on or before 31 January 2024)

Loan

  1. Annualized Percentage Rate(4f) as low as 1.85%x
  1. Cash Rebate Offer(4f)
  • Customers successfully submit the application of BOC Express Cash Instalment Loan and fulfill designated conditions, can enjoy up to HK$6,800 Cash Rebate and extra HK$300 cash rebate for successful supporting documents.
  • Customers successfully submit the application of BOC Express Cash Instalment Loan Balance Transfer and fulfill designated conditions, can enjoy up to HK$23,888 Cash Rebate.
  • Promotion Period: From 4 July 2023 to 30 September 2023 (last drawdown date on or before 31 October 2023)

For details, please refer to Terms and Conditions of the promotion offers

Credit Card

New customer who successfully apply for BOC Cheers Card will be entitled to Welcome Offer up to 20,000 miles(Applicable to new customers who fulfill designated spending requirements)

Refer Friends

Successfully referred friends and family to newly open Integrated Banking Services with designated Invitation Code and meet all of the conditions during the promotion period, can enjoy reward up to HK$2,850 cash reward*!

Each successful referral:

Wealth Management

Enrich Banking / i-Free Banking#

Referrer can enjoy HK$800 cash reward

Referrer can enjoy HK$150 cash reward

The number of rewards is limited to the first 3 successfully Wealth Management referral and first 3 EnrichBanking/i-FreeBanking referral. The rewards are limited and available on a first-come-first-serve basis.

#Enrich Banking / i-Free Banking referees are required to be aged 18-35 on the day of account opening (aged 18 and 35 inclusive)

Act Now!
Promotion Hotline

(+852) 3669 3911

Call
Mobile Account Opening

Your bank account is ready to go as soon as your mobile application is completed. Allow you to manage payment, savings financial management and insurance 24 hours around the clock.

Learn more
Upgrade your Integrated Account Services

Enjoy the new wealth management experience and diversified financial solutions from your professional service team.

Upgrade
Payroll Service Welcome
Rewards Registration

You may enjoy various privileges.

Register
Apply BOC
Cheers Card

New customer who successfully apply for BOC Cheers Card will be entitled to Welcome Offer of up to 20,000 miles (Applicable to new customers who fulfill designated spending requirements)

Learn more

Reminder: To borrow or not to borrow? Borrow only if you can repay!

Foreign Currency Trading/RMB Trading and Investment involves risks. 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.