Personal RMB Services

BOCHK is committed to providing global customers with premier personal RMB services including deposits, exchange, mortgage, insurance, investment, remittance, bank cards and cheques, to help you better manage your finances in the process of the ever-closer economic integration between Hong Kong and the Mainland of China.

With the Largest RMB Service Network in Hong Kong

You can conveniently access our RMB services via the branches and ATMS of BOCHK in Hong Kong as well as BOCHK Internet Banking, Mobile Banking and Phone Banking.

With the Strongest Connections in the Mainland of China

BOCHK Group comprising its subsidiaries banking institution offers you banking convenience through our branches in major cities in the Mainland of China. Our parent bank, Bank of China, is one of the four state-owned banks and boasts an extensive service network in the Mainland of China and abroad. You can also benefit from our long-term business relationships with financial institutions in the Mainland of China.

With the Most Profound Experience in RMB Businesses

BOCHK is the first bank in Hong Kong to conduct RMB business. Being the pioneer of RMB exchange business since 1993 and the first bank to provide RMB exchange service via ATMs, we are well-equipped with solid systems support and a pool of talented RMB experts, ensuring you professional and reliable RMB services.

With the Most Diverse Range of RMB Services

BOCHK is a leading commercial banking group in Hong Kong. By leveraging on our solid foundation, extensive distribution network, broad customer base and strong business connections, we are well-positioned to offer you the most diverse range of RMB services.


  • A comprehensive range of RMB savings, current, time deposits and club deposits services are available to suit your diverse financial needs.
  • Multiple banking channels covering Internet Banking, Mobile Banking, Phone Banking, our branches and ATM service network spanning Hong Kong, Kowloon and the New Territories enable you to flexibly manage your account.


  • Our extensive service channels facilitate you to do the conversion quickly and conveniently.
  • With our experience and expertise, you can always count on us for reliable RMB exchange service.
  • All handling charges are waived.

Mortgage and Secured Loan

  • The currency of the loan is in RMB.
  • Preferential annual interest rate.


  • Provide a comprehensive range of RMB Insurance Plans, including Annuity Plan, Endowment Plans, Universal Life Insurance, Whole-life Insurance, Critical Illness Protection Plan.


  • Provide a comprehensive range of RMB investment products, including RMB securities, funds, bonds, structured investments and investment deposits , Currency Linked Investments and ELI.

Remittance1 and Transfer

  • BOC Remittance Plus is the best solution for efficiently transfer of funds among the Mainland of China, Hong Kong, Macau and Taiwan.
  • Funds can be transferred within the quickest time of less than 5 minutes2 over 10,000 remittance points spanning all Provinces, Autonomous Regions, Municipalities  in the Mainland of China, Macau and Taiwan. Instructions can be submitted conveniently through Internet Banking or via any branches of BOCHK.

Bank Cards

  • The BOC Cards and BOC CUP Dual Currency Credit Cards with dual-currency (HKD / RMB) settlement option, both are the best choices for all your needs.
  • Our cards offers great convenience to frequent travelers between Hong Kong and the Mainland of China for business, work, travel or spending.
  • UnionPay with extensive network, which is covering over 6 million merchant outlets and 1.4 million ATMs over the world.


  • You can settle payments by cheque for general spending3 in Guangdong Province without the trouble of carrying a large amount of cash across the border. In Hong Kong, you can use it to settle all kinds of payments.
  • Easy-to-read monthly statements listing all the transaction details make your financial management easier.

Cashier's Orders and Gift Cheques

  • Cashier's order can be used for settling payments and transferring fund without the need of carrying a large amount of cash.
  • The elegantly designed gift cheques are suitable for all sorts of celebration events as gifts for friends and family.

Internet Banking, Mobile Banking and Phone Banking

  • You can conveniently access our comprehensive range of RMB financial services via Internet Banking, Mobile Banking or Phone Banking anytime, anywhere.
  • You can take advantage of our exclusive Internet Banking offers.

Customers can enjoy the comprehensive RMB Services at BOCHK upon opening Multi-currency Savings Accounts (including RMB) or RMB current accounts.

Simply open Multi-currency Savings Account (including RMB) at any branch of BOCHK or via Internet Banking4! For enquiries, please call our Personal Customer Hotline at +852 3988 2388.


  1. Cross border RMB remittance to or from other places outside Hong Kong are subject to the rules and requirements of the jurisdiction of the originating end and the receiving end.  RMB remittance to the Mainland of China is only applicable to Hong Kong residents for their own accounts.
  2. The remittance transaction shall satisfy all the conditions for automated processing, and is in compliance with the relevant rules and requirements of the receiving end, in order to achieve quickest time of remittance.
  3. This service is only applicable to Hong Kong residents.
  4. The opening of Multi-currency Savings Account (including RMB) via Internet Banking is only applicable to the Bank's existing Internet Banking customers who do not hold any Multi-Currency Savings Accounts (including RMB) in sole name.

Risk Disclosure

Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to the fluctuating nature of the markets, the prices of products may rise or fall beyond customers’ expectations and investment funds may increase or decrease in value as a result of selling or purchasing investment products. Loss may equal or exceed the amount of the initial investment. Income yields may also fluctuate. Due to market conditions, some investments may not be readily realised. Before making any investment decision, customers should assess their own financial position, investment objectives and experience, willingness and ability to bear risks, and understand the nature and risk of the relevant product. For details of the nature of a particular product and the risks involved, please refer to the relevant offering documents. Customers should seek advice from an independent financial adviser. This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service. This promotion material is issued by Bank of China (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.

RMB Insurance Plans are underwritten by BOC Group Life Assurance Company Limited ("BOCG Life"). Bank of China (Hong Kong) Limited is one of the major insurance agents of BOCG Life. BOCG Life reserves the right to amend the terms and conditions of RMB Insurance Plans or cancel any of the Plan at any time at its sole discretion without prior notice. In case of any dispute, the decision of BOCG Life shall be final.

Risk Disclosure of RMB Insurance
RMB policies are subject to exchange rate risk. The exchange rate between RMB and HKD may rise as well as fall. Therefore, if calculated in HKD, premiums, fees and charges (where applicable), account value/surrender value and other benefits payable under RMB policy will vary with the exchange rate. The exchange rate between RMB and HKD will be the market-based prevailing exchange rate determined by BOCG Life from time to time, which may not be the same as the spot rate of banks. The fluctuation in exchange rate may result in losses if a customer chooses to pay premiums in HKD, or requests the insurer to pay the account value/surrender value or other benefits payable in HKD, for RMB policy.

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.

Disclosure Related to the Deposit Protection
Structured Investments and Currency Linked Investments are NOT protected deposit and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Nanyang Commercial Bank (China) Limited is a bank incorporated in the Mainland of China and is not an authorised institution within the meaning of the Banking Ordinance of Hong Kong nor carrying on banking business in Hong Kong. The deposits in NCB (China) are not protected by the Deposit Protection Scheme in Hong Kong and are not guaranteed by BOCHK or Nanyang Commercial Bank, Limited.

The current requirements allow Hong Kong residents to remit the remaining balance of the RMB funds and the deposit interest thereof (after deducting the relevant interest tax) from the Mainland of China to their accounts in Hong Kong under the same name. However, any subsequent transfer of the RMB funds from the Mainland of China back to Hong Kong shall be subject to the prevailing legal and regulatory requirements of the regulatory authorities in the Mainland of China. Customers shall also bear the risk of foreign exchange restrictions.