Privileged Offers and Benefits

Total Relationship Balance Growth Reward

For more details for promotion, please click here.

You can download and store the below terms and conditions in the Bank's website at within 30 days. You may not be able to access or download such version of the information after the expiry of the specified timeframe. For more details for Terms and Conditions for Services/Products (Last Quarter), please click here.

General Banking Services Privileges

Auto-Sweeping Service1

Can apply for HKD, USD and RMB Auto-sweeping Service.

  Pre-set maximum limit Self-designated maximum limit
HKD account HK$10,000 HK$100,000
USD account US$1,200 US$12,000
RMB account RMB8,000 RMB80,000

Deposits and Foreign Currency Exchange

Foreign Currency Exchange Up to 30 pips of currency exchange discount2 when converting HKD into the designated currencies (or vice versa) via branches, Internet Banking, Mobile Banking, Manned Phone Banking Services and Phone Banking

Designated Currencies Pipes Offer
EUR, GBP 30 pips
RMB (only applicable to customers buying the currency),USD, AUD, NZD, CAD, JPY 10 pips
Deposit to / withdrawal from RMB / foreign currency accounts at the branch’s counter Fee waived

Time deposit Enjoy preferential time deposit interest rate

Please click here for details

Credit Card

BOC Taobao World Mastercard
  • Perpetual annual fee waiver for main and additional cards
  • Enjoy unlimited 0% handling fee for spending at Taobao
  • 0% handling fee for overseas spending
  • Participate in Taobao annual large-scale sales promotion and Taobao promotion activities with discount offers

Please click here for details


BOC Dual Currency Card
  • Up to 4% Cash Rebate for Spending via Mobile Payment Transactions
  • Contactless Payment Function for the Public Transport Systems Stands You in Good Stead in Getting around the Greater Bay Area

Please click here for details.



Investment Fund subscription Fund subscription fee as low as 2.0%5



Outward Remittance :

Telegraphic Transfer/BOC Remittance Plus conducted via electronic channel4


(Original charge HK$65 each Telegraphic Transfer)

Inward Remittance4

(Original charge HK$60)

Please click here for details

For details of general account and other banking service fees, please click here.


  1. This Auto-Sweeping Service is only applicable to the designated Current Account with insufficient fund to settle the cheque at the cut-off time of any working day of the Bank of China (Hong Kong) Limited ("the Bank") , provided the transfer sum does not exceed the maximum limit prescribed by the Bank from time to time or the maximum limit designated by the customer. If the total transfer sum exceeds the maximum limit, this Auto-Sweeping Service will not be executed even though the amount of one of the cheques is below the maximum limit. If the transfer sum under this Auto-Sweeping Service successfully covers the overdraft principal, the overdraft principal will be subject to interest charges at the standard overdraft rates published by the Bank from time to time. Customers are required to pay the accrued interest prior to the day specified by the Bank.
  2. The offer is not applicable to the exchange of foreign currency banknotes.
  3. The offer is applicable to the basic handling fee of remittance by personal banking customers who have taken up Enrich Banking service and does not apply to other remittance related charges (such as additional telegraphic fee) and other bank/organization charges (such as agency fee).
  4. Selected customers who have satisfied all of the below remittance transactions conditions are eligible to enjoy the handling fee waiver.

    1. Outward Remittance: 

      1. Must be submitted and completed via an electronic channel (Internet Banking and/or Mobile Banking) of BOCHK, and

      2. Can be any of the currencies available for remittance on the electronic channel, and

      3. Beneficiary’s name must be same as the ordering customer, and

      4. Beneficiary’s bank is (a) a branch/sub‐branch of Bank of China Limited (“BOC”) in the mainland, (b) a BOC branch/subsidiary bank in any region/country outside mainland (e.g. Macau, Taiwan, U.S.A.), or (c) a BOCHK branch/subsidiary bank outside Hong Kong (e.g. Thailand, Brunei). (Applicable to Telegraphic Transfer : Must identify beneficiary bank by 11 character SWIFT BIC address starting with BKCH or the CNAPS No. on the application of remittance. Applicable to BOC Remittance Plus: Must select Bank of China as beneficiary bank.)

    2. Inward Remittance:
      1. Remitter’s name must be same as the Customer (Beneficiary),

      2. Remitting bank is (a) a BOC branch/sub‐branch in the mainland, (b) a BOC branch/subsidiary bank in any region/country outside the mainland (e.g. Macau, Taiwan, U.S.A.), or (c) a BOCHK branch /subsidiary bank outside Hong Kong (e.g. Thailand, Brunei).


  5. For details of fund subscription fee rates, please go to Investment > Fund page.


Enrich Banking Customers can continue to enjoy the full range of Enrich Banking services by maintaining a "Total Relationship Balance" of HK$200,000 or above.


For details of  of "Total Relationship Balance", please click here.


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.

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


General Terms:

  • Enrich Banking service offered by the Bank is applicable to personal banking customers only.
  • The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of the Bank.
  • The Bank reserves the right to amend, suspend or terminate the above products, services and offers, and to amend the relevant terms at any time at its sole discretion.
  • In case of any dispute, the decision of the bank shall be final.
  • Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.


Risk Disclosure

The following important notes cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should undertake your own independent review and seek independent professional advise before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.


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 the customer converts foreign currency into Hong Kong dollars or other foreign currencies.


RMB Conversion Limitation Risk

RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.


Risk disclosure of Fund

This web page does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors.


This web page does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice.


This web page is issued by the Bank of China (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission.