Grow with your children

As parent, we always grow with our children and have numerous first-ever experiences together. It's time to educate our children to save money and operate their own bank accounts wisely and independently. 

Children can open i-Free Banking service starting from the age of 11 and have their own account and ATM card. Children can now cultivate savings habits and manage spending manage money on their own, which is a solid foundation for them to achieve financial goals in the future.

My First ATM Card   My First Banking Experience

Wise consumption is of the same importance as good savings habit! Make the first cash withdrawal and payment services with BOC Card and learn to consume wisely. 

You can enjoy convenient cash withdrawal services1,2 in Hong Kong, the Mainland and Macau via over 3,000 ATMs marked with  《BOC》 or 《JETCO》.


You can enjoy the spending spree and make purchase by directly debiting from your primary bank account at merchant outlets marked with 《EPS》 logo in Hong Kong.


By binding BOC Card with Apple Wallet through mobile devices which support Apple Pay , you can carry out e-payment transaction in a simple and safe way which allows your spending become more convenience. In addition, you can enjoy latest offers of BOC Card through Apple Pay.



1. The minimum cash withdrawal amount is HK$300 for ATM of JETCO.

2. Customers who withdraw cash by using BOC Card via ATM network other than those of Bank of China (Hong Kong) Limited and JETCO in Hong Kong or via ATM network through JETCO or UnionPay outside Hong Kong, will be subject to handling fee and the terms and conditions stipulated by the relevant banks and network provider(s).

3. Apple, the Apple logo, Apple Pay and Apple Wallet are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. 

Many a Little  Makes a Mickle

No matter buying a piece of beloved toy or a book, children have their own financial goals. By opening i-Free Banking service, kids can save the pocket money in their own savings account. Monthly savings plan also allows them to set monthly savings goal to cultivate good savings habit and learn how to achieve financial goals effectively.

Plan for Better Future and Provide Comprehensive Protection for your Children

As parent, you might want to plan further for children education funds or long term financial goals for your retirement life. We offer comprehensive insurance products to help you formulate better family financial plans and provide comprehensive protection.


 "GoStudy Student Insurance Plan" provides you or your children with comprehensive coverage while study in anywhere of the world, letting you to enjoy the opportunity to travel around, broaden your horizons and achieve your dreams. 


i-Free Banking customers aged from 11 can enjoy the following services through Internet Banking, Mobile Banking and Phone Banking: account balance enquiry and electronic statement enquiry (only applicable to Internet Banking) etc.; i-Free Banking customers aged from 16 even can enjoy the services of foreign currency exchange, time deposit placement and payment for designated bills (only applicable to Internet Banking) etc. through Internet Banking, Mobile Banking and Phone Banking. i-Free Banking customers can enjoy the full range of Internet Banking, Mobile Banking and Phone Banking services automatically at the age of 18.

Want to know how to use banking services through electronic channels conveniently? Learn more about e-Life now! 

Reminders for Customers Aged Below 18

Customers aged below 18 can enjoy waiver of "Total Relationship Balance" requirement#, wealth management is thus in a more easy way.


Documents required for account opening of customers aged below 18:

  1. Identity Document (e.g HKID Card), and
  2. Copy of parent's identity document, and
  3. Birth Certificate or school handbook with parent(s) particulars (with school stamp)



#i-Free Banking customers aged under 18 are eligible for waiver of "Total Relationship Balance" requirement. When customers reach the age of 18, it is necessary to maintain a "Total Relationship Balance" of HK$10,000 or above in order to continue to enjoy full range of i-Free Banking services. For details of "Total Relationship Balance", please click here.

General Terms:

  • i-Free Banking service offered by Bank of China (Hong Kong) Limited (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 without prior notice.
  • 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.

“Gostudy Student Insurance” Important Notes :

  •  “Gostudy Student Insurance” (“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.
  • 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 Plan should be resolved between directly BOCG Insurance and the customer.
  • 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.
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan is acceptable or reject in accordance with the information submitted at the time of application by the Insured and/or Insured Person.
  • BOCG Insurance reserves the right to amend or withhold any terms and conditions in respect of the Plan without prior notice. In case of any dispute, BOCG Insurance reserves the final right on decision.
  • This promotional material is for reference only. The Plan is subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy document for the details of the insured items and coverage, provisions and exclusions.
  • This promotion material is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan. 
  • For enquiry, please contact the staff of BOCHK.

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.