Enjoy a Carefree U-Life

Work hard and play hard! i-Free Banking provides you with a comprehensive range of banking products and services and offers you the waiver of "Total Relationship Balance" requirement# of i-Free Banking during the period of study and the first 3 years after graduation. Be financially carefree and enjoy every parts of your U-life!

Sign of Grown Up – My First Credit Card

U-life is one of the best parts in life! Maximize your consumer experience with BOC Chill Card!

Cash back credit card Hong Kong newcomer! Whenever you use your Chill Card to shop, book a staycation or entertainment subscription, you'll earn up to 10% cash rebate—no sweat! And with a Chill Easy Instalment feature, enjoying life is always a breeze.

Introducing the first BOCHK credit card made with environmentally friendly materials with benefits that match your chill-out lifestyle.

Be a Smart Traveler during your Exchange or Travel

i-Free Banking helps you plan well, consume wisely and enjoy every trip! 

What you Need in a Trip

Smart Solution

Comprehensive Protection

You can enjoy comprehensive coverage with  “Universal Smart Travel Insurance Plan” :

- Single Travel Plan and Annual Travel Plan are provided

- Double Indemnity of Personal Accident, up to HK$4,000,000 (only applicable to Single Travel Plan and not applicable to the insured person aged under 18 or over 70)

- Maximum limit for medical expenses up to HK$1,500,000

- Protection for dangerous activities (including bungee jumping, parachuting, rafting, diving and hot-air ballooning, etc.; not applicable to professional sport players nor those engaging in racing or competition nor insured person aged under 18 or over 70)

- Optional enhanced benefits (including extended benefits due to act of terrorism and outbound travel alert extended benefit)

- Optional cruise benefit

- 24-hour worldwide emergency assistance service


Credit Card Spending

Tertiary students can enjoy perpetual annual fee waiver for BOC Dual Currency Card and 0% handling fee offer for overseas spending for even greater shopping pleasure.


Foreign Currency Exchange

i-Free Banking customers can enjoy basis point privileges for exchanging Hong Kong dollar and designated foreign currencies at telegraphic transfer rate.


Together making Banknote Reservation now to get your trip financially well prepared!


Free from Bill Payment Transactions

Settle payments like tuition fee, accommodation fee, student association fee, phone bill with just a few clicks through Internet Banking.


You could also check transaction records through Internet Banking / Mobile Banking at a glance.

Be Well Prepared for the Graduate Job

We always look forward to receiving the salary from your first job!

Use the savings account and current account as the payroll account brings you convenience and allows you to enjoy a series of privileges. Understand more rewards and privileges of BOCHK Payroll Service.

Choose the most suitable endowment plans for stable monthly savings and protection so as to achieve your financial goals like having advanced studies, your own property, etc. Click HERE for more details.


Conducting transactions via Internet Banking/Mobile Banking and WeChat is convenient and allows you to receive notifications timely; life is now in an easier way. Experience e-Life now!

Notes for Non-Local Students 

Documents Required for Account Opening

- Hong Kong identity card (if any)

- Exit-entry Permit for Travelling to and from Hong Kong and Macau together with the People’s Republic of China Resident Identity Card  OR  International Passport

- Student identity document (e.g. student identity card, admission letter issued by school and etc)


Remittance Information

How to remit living and tuition fee to Hong Kong? 

You could place instructions through the service channels provided by non-local banks. Please follow the instructions of Remitting Bank and provide our Bank Name as Beneficiary’s bank, Main Address, SWIFT Code / CNAPS Number, Beneficiary’s account number and name, remittance currency / amount and purpose of remittance when filling the application form. 

Bank Name:


Main Address:




CNAPS Number:



For Beneficiary’s Account Number, please provide the 14-digit account number to deposit the incoming funds. For Beneficiary’s Name, please provide the name of the Beneficiary’s Account Number as in our record in BOCHK.

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


 # Waiver of "Total Relationship Balance" requirement of i-Free Banking:

  • This offer is only applicable to full-time students of universities / post-secondary institutions in Hong Kong and outside Hong Kong who are aged 16 or above ("Eligible Students"). To enjoy this offer, Eligible Students should present valid student identity document when taking up / upgrading their existing accounts to i-Free Banking at any branches of Bank of China (Hong Kong) Limited (the "Bank"). The Bank shall, without obligation to provide any reason, have the right to decide whether to accept / decline any account opening application or whether to give this offer to the applicants in accordance with their information provided.
  • Starting from the beginning of the fourth year after graduation, 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.


Important Notes:

  • “Universal Smart Travel Insurance Plan” (“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.