Exclusive seamless and prioritized service in the Greater Bay Area for Wealth Management customers

• Greater Bay Area Service Connect, exclusive access to privileged banking services in the Greater Bay Area

In hopes of providing boundaryless privileged customer experience, BOCHK Wealth Management customers are entitled to VIP services at designated cross-border branches^* in Guangdong, Shenzhen and Macau by simply presenting their designated bank cards or mobile banking indication.

Similarly, customers with "Prestigious Wealth Management" or above accounts from Guangdong and Shenzhen and customers with "Wealth Management" or above accounts from Macau can present their designated ATM card or mobile banking identification to exclusively enjoy privileged services and express counter services at BOCHK designated branches*.

^*For details of the designated branches, please contact BOCHK staff.

• Enjoy free remittance services to reduce costs in cross-border financial management!
  Please click here for more details.
  
  
• Exclusive one-stop referral account opening service
  BOC Wealth Management customers can open a bank account at any Bank of China branch in Guangdong, Shenzhen and Macau by making an appointment with BOCHK. To provide better service, Bank of China has dozens of domestic branches offering cross-border banking services for the Greater Bay Area in Guangdong and Shenzhen, equipped with smart counters to facilitate account opening for Hong Kong residents. The account opening process can be completed in about 15 minutes after providing a full set of required documents.

 

• BoC Pay cross-border payment e-wallet makes payment without boundaries
  BoC Pay is a one-stop and cross-border payment e-wallet through which customers can conveniently make payments in the Greater Bay Area by simply scanning the BoC Pay QR code without the need to open a bank account in the Mainland. Please click here for more details.
  

• "Pay as You Go" - BOC Dual Currency Card
  "Pay as You Go" - BOC Dual Currency Card takes you voyage on a trip around Greater Bay Area with benefits of up to 4% cash rebate, no matter if you are spending locally or overseas. For overseas spending, customers can also enjoy 0% handling fee offer and ease of convenience for Public Transportation payments within Greater Bay Area. With UnionPay QuickPass or mobile payment channels, you can easily settle payments for the Hong Kong-Zhuhai-Macao Bridge, Hong Kong Section of the Express Rail Link, Guangzhou-Shenzhen China Railway Highspeed Train, Guangzhou Metro, and Dongguan Metro.

  Terms and conditions apply. Please click here for more details.
  Reminder: To borrow or not to borrow? Borrow only if you can repay!
  
• Open a "Multi-Currency Savings Account"; do RMB exchange at the right time
  The "Multi-Currency Account" enables you to manage RMB and a variety of foreign currencies in a consolidated savings account and support you to easily access exchange services through various channels. You may withdraw RMB notes from Mutli-currency Account through our extensive ATM network, preparing your trips to the Greater Bay Area and the rest of mainland more relaxing than ever!

 

Offering comprehensive worldwide protection solutions across boundaries
BOCHK is appointed to offer an array of insurance plans to meet customers' various needs.

• "Personal Accident Comprehensive Protection Plan"
  With a maximum benefit of HK$4,000,000 for personal accidents and up to HK$50,000 medical expenses protection, this plan offers comprehensive accident protection for you and your beloved ones. It is a peace of mind for you when travelling around the world. With this plan on hand, you and your family will be able to get financial support in face of any unexpected setbacks.

  Please click here for more details.
  
  

• "Universal Smart Travel Insurance Plan"
  If you are a frequent traveller for business or vacation, an annual travel insurance would assure you an enjoyable trip, with no fear of any unpredictable accidents.

  Please click here for more details.
  
  

• Worldwide Medical Insurance Plan
  It is a worldwide medical protection plan, providing you a comprehensive protection, abundant coverage and flexibility with a lifetime benefit up to HK$66,000,000. Not only does this Plan cover hospital and surgical expenses, it also covers the protection of serious illness, rehabilitation services, etc. With this Plan, you and your family are entitled of the privileged medical treatments and caring services when in need.

  Please click here for more details.
  

 

• Greater Bay Area Personal Loan

  For the "Key Facts Statement (KFS) for Greater Bay Area Personal Loan", please click here.

  • Preferential Loan Interest Rate

  • Loan amount up to HK$2,000,000 or 12X monthly income (whichever is lower)

  • Handling fee waiver

  • Flexible loan tenor (Loan tenor up to 60 months)

• Our dedicated team provides information to own your home in the Greater Bay Area
  With the continuous development of the Greater Bay Area, more Hong Kong residents show interest to purchase properties there. We are dedicated to providing information for such, including the key steps along the purchase journey and special notes for property purchase at mainland China. At the same time, we offer flexible financing solutions to cater for different customer needs. Please contact our staff for more details.

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

Terms & Conditions

1. Greater Bay Area Personal Loan is the product of the Bank of China (Hong Kong) Limited (“BOCHK”) and the sales of Greater Bay Area Personal Loan is only limit in Hong Kong area.
2. Greater Bay Area Personal Loan is only applicable for personal customers who hold Hong Kong Permanent Identity Card and exclusive for the daily consumption financial needs of personal customers who live in Greater Bay Area (ie. the loan purpose includes increasing the liquidity funds for the use of renovation of Greater Bay Area property or purchasing furniture). Therefore, customers must provide documents in related to Greater Bay Area property as a supporting document. According to the applicable terms & conditions of Greater Bay Area Personal Loan, the definition of“Greater Bay Area” includes the city of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of “Greater Bay Area” property, the decision of BOCHK shall be final. Please contact BOCHK staff for the requirement details of Greater Bay Area property document.
3. BOCHK reserves the right to decide whether to accept application based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
4. The credit rating of each customer must fulfill the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
5. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
6. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Personal Loan.
7. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
8. The above product is bound by the relevant terms & conditions, please contact BOCHK staff for details. BOCHK may at its absolute discretion on the final decision of approving the loan application and may decline any application without providing any reason. The loan is governed to final terms and conditions set out in the loan documents.
9. In case of any dispute, the decision of BOCHK shall be final.

Gerenal Terms:

• "BOC Wealth Management" service ("Service") provided by Bank of China (Hong Kong) Limited ("the Bank") is only applicable to personal banking customers.

• The above products, services and promotion are subject to the relevant terms. For details, please refer to the relevant promotional materials or contact our staff.

• The Bank reserves the right to amend, suspend or cancel the above products, services and promotion and to amend the relevant terms at its discretion.

• In case of any disputes, the Bank reserves the right of final decision.

• In case of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.

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 currencies may result in losses in the event that the customer converts the foreign currency into Hong Kong dollars or other foreign currencies.