Bank of China (Hong Kong) promote the services of Southeast Asia to satisfy your financial needs. No matter which stage of life, our regional personal financial services assist you with children studying abroad, taking care of distant loved ones, and developing your career abroad.

• Established presence in the region

Bank of China (Hong Kong) is serving your personal financial needs in Malaysia, Indonesia, Thailand, Cambodia, Vietnam, Laos, Philippines and Brunei.

• All you need for your daily banking

You will find the right solutions no matter you are going to travel, work, live or study in Southeast Asia. Services include local & foreign currency deposits, foreign exchange, remittance, dual-currency debit cards¹, credit cards¹, mortgage¹, loans¹, investments¹, insurance¹, Phone Banking, Internet Banking and Mobile Banking services¹.

• Advancing on digital banking

You can find frequently-used banking services on our Internet Banking and Mobile Banking². Our Mobile Banking app offers you simple ways to find and complete enquiries or transactions. It is also equipped with Biometric authentication for easy login and additional protection to your finances.

As you strive to provide better living environment for your family, we are making these services ready to support you alongside：

• Opening BOC bank accounts in Southeast Asia

      To give you a peace of mind before leaving HK, you are welcomed to visit any of our dedicated branches to open personal accounts of designated countries using our attestation service³, or book an appointment³ for opening account upon your arrival to the country.

• Speedy remittance service

      When purchasing property overseas, it is likely that you need to send out a lump-sum abroad. Hence, we are waiving remittance fees⁴ (charged by the BOCHK) when you use your BOCHK accounts to send out to or receive from your own Bank of China accounts maintained in the Southeast Asian countries.

• Mortgage service for foreigners⁵

      If you need extra financial flexibility for your home purchase, you may apply for mortgage loan in Malaysia, Thailand, Cambodia, Vietnam or Laos.

The one-belt-one-road strategy and fast-growing economies in the ASEAN have offered you new career and business opportunities in the region, we are here to facilitate your ambitions:

• Opening BOC bank accounts in Southeast Asia

To give you a peace of mind before leaving HK, you are welcomed to visit any of our dedicated branches to open personal accounts of designated countries using our attestation service³, or book an appointment³ for opening account upon your arrival to the country.

• BOC Credit Cards⁶

Since you need to travel within Asia or beyond, this card can serve your spending or withdrawal needs almost anywhere. A wide range of card types are offering different kinds of privilege to serve the needs of customers.

• Speedy remittance service

Flexible money transfers is considerably important when you are working or doing business abroad. Hence, we are offering waiver of remittance charges⁴ (levied by the BOCHK) to the remittances between your personal accounts maintained in BOCHK and in the Southeast Asian countries.

• Loans for foreigners

To meet your personal borrowing needs while pursuing career aboard, you may consider applying for Housing Loan, Term Loan or Secured Overdraft⁵ in Malaysia, Thailand, Cambodia, Vietnam or Laos.

• Insuring you “on-the-go”

To safeguard your frequent travels, we are offering you the Worldwide Medical Insurance Plan as well as the Personal Accident Comprehensive Protection Plan⁷. You can apply the latter online or through BOCHK Mobile Banking.

People say learning is boundary-less. Studying in Southeast Asia not only offers you learning of new knowledge, meeting of new friends, but also appreciation of unique heritage and east-meet-west culture. To make you ready for onboarding the new journey, these services are standby for you:

• Opening BOC bank accounts in Southeast Asia

      To give you a peace of mind before taking off to your studies abroad, you are welcomed to visit any of our dedicated branches to open personal accounts of designated countries using our attestation service³, or book an appointment³ for opening account upon your arrival to the country.

• Speedy remittance service

      Simply logon Internet Banking or Mobile Banking to enjoy free remittance service⁴, to pay tuition fees, living and other expenses.

• Safeguard your learning journey

      To fully enjoy your learning experience overseas, we are offering you Gostudy Student Insurance⁷, and you can apply via BOCHK Mobile Banking now.

• Convenient local payments

      You certainly need to equip with local payments so as to blend in well with day-to-day living. Now you can transfer money to different banks⁸ simply using mobile phone number via the mobile banking service in Malaysia, Indonesia, Thailand, Cambodia and Philippines.

¹ Certain services are available in some countries only, please refer to the official website of respective countries for more information.

² Existing functions include accounts view and management, transaction details, transfers and remittances, cards management, etc.

³ Attestation service is available to existing BOCHK Wealth Management and Enrich Banking customers who apply for personal banking account(s) in Malaysia. For more information, please contact us through online chat in the BOCHK Mobile Banking, or call us at +852 3988 2388.

⁴ Remittances have to be conducted via Internet Banking or Mobile Banking. Remittance fees charged by the BOCHK will be waived. Fees waiver is applicable to remittances between your BOC personal banking accounts maintained in HK and in the Southeast Asian countries. Other charges may be levied. Additional terms & conditions also apply, please click here for more details.

⁵ For more details about mortgage plans and eligibility, please visit the official website of respective countries. The Bank of China Phnom Penh Branch and Ho Chi Minh City Branch website are available in simplified Chinese and local language only.

⁶ Please click here for more details of BOC Credit Cards.

⁷ The Plan is underwritten by BOCG Insurance. Bank of China (Hong Kong) Limited (“BOCHK”) is the appointed insurance agent of BOCG Insurance for distribution of the Plan. The Plan is a product of BOCG Insurance but not BOCHK.

The Bank of China (Hong Kong) Limited is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong SAR. (insurance agency licence no. FA2855). BOCG Insurance is authorised and regulated by Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China.

⁸ Applicable to participating banks only. Please refer to the official website of respective countries for more information.

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.