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General Banking Service Charges

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Current Account

Items	Service Charges / Fees
Returned cheque¹ Insufficient funds HKD / USD cheque RMB cheque Other reasons HKD / USD cheque RMB cheque RMB cheque amount exceeding RMB80,000	HK$150 / US$18 per returned cheque RMB200 per returned cheque HK$50 / US$6.5 per returned cheque RMB50 per returned cheque RMB200 per returned cheque
Mark "good" cheque Dispatched by The Bank	HK$200 per cheque (Plus drawee bank charges)
Dispatched by customer	HK$60 per cheque
Stopped payment order	HK$100 per instruction HK$100 / US$13 / RMB80 per instruction (Through Corporate Internet Banking)
Special-printed cheque	The Bank reserves the right to levy charges
Special-printed deposit slips	The Bank reserves the right to levy charges
Cheque book delivery By ordinary mail By registered mail	Waived HK$25 / US$3 / RMB20 plus non-local postage (postage will be waived if delivery address is in HK)
Dishonoured cheque returned by registered mail	HK$25 / US$3 / RMB20 per cheque plus non-local postage (postage will be waived if delivery address is in HK)
Account closed within 3 months after account opening	HK$200 per account
Monthly fee²
Combined average monthly balance in HKD current account(s) and savings account(s) below HK$5,000 (Only applicable to corporate customers)	Waived (Only applicable to corporate customers)
Temporary Overdraft/ Overdrawn Unauthorized overdraft/ temporary overdraft handling charge HKD USD RMB Unauthorized overdraft/ temporary overdraft O/D interest HKD USD RMB	HKD120.00 per transaction USD15.00 per transaction RMB120.00 per transaction Calculated at prime rate plus 10% or overnight HIBOR (whichever is higher) Calculated at US prime rate plus 10% Calculated at CNY prime rate plus 10% or overnight CNY HIBOR plus 10% (whichever is higher)
In excess of overdraft limit HKD USD RMB	HK$120 per transaction and O/D interest calculated at prime rate plus 10% or overnight HIBOR (which is higher) USD15 per transaction and O/D interest calculated at US prime rate plus 6% RMB120 per transaction and O/D interest calculated at CNY prime rate plus 10% or overnight CNY HIBOR plus 10% (whichever is higher)
Against uncleared items	HK$120 / US$15 / RMB120 per cheque

Savings Account

Items	Service Charges / Fees
Replacement of a passbook	HK$100 per account
Account closed within 3 months after account-opening date	HK$50 per account
Monthly fee²
Combined average monthly balance in HKD current account(s) and savings account(s) below HK$5,000 (Only applicable to corporate customers)	Waived (Only applicable to corporate customers)
RMB savings account average monthly balance below RMB5,000 (Only applicable to corporate customers)	Waived (Only applicable to corporate customers)

RMB Notes, Foreign Currency Notes Deposits / Withdrawals

Items	Service Charges / Fees
RMB notes deposit to/ withdrawal from RMB account	Waived
Foreign currency notes deposit to / withdrawal from account of its original currency	Waived

Accounts / Services Application Fee (Only applicable to corporate customers)

Accounts / Services Application Fee (Only applicable to corporate customers)³

Items	Service Charges / Fees
Application basic fee – HK$1,200 per application, plus:
Fee for the company incorporated in Mainland China⁴	HK$2,000 per application, plus the fee for conducting company search for company incorporated in Mainland China (according to the Bank’s actual costs)
Fee for the company incorporated overseas⁵	HK$5,000 per application, plus the fee for conducting company search for company incorporated overseas (according to the Bank’s actual costs)
Fee for special company: Company with 4 or more layers in its ownership/controlling structures, or Trust account	HK$5,000 per application

Time Deposit

Items	Service Charges / Fees
Early uplifting	If we exercise our discretion to allow uplift of time deposit before maturity, no interest will be payable and the customer must pay charges calculated based on the following formulae (whichever is higher) subject to a minimum of HKD200.00: 1. Time Deposit Principal x (Prime Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year 2. Time Deposit Principal x (Inter-Bank Offer Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year *Subject to the rate as quoted by us from time to time.

Items

Service Charges / Fees

Early uplifting

If we exercise our discretion to allow uplift of time deposit before maturity, no interest will be payable and the customer must pay charges calculated based on the following formulae (whichever is higher) subject to a minimum of HKD200.00:
1. Time Deposit Principal x (Prime Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year
2. Time Deposit Principal x (Inter-Bank Offer Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year
*Subject to the rate as quoted by us from time to time.

BOC Mastercard^® Debit Card

Items		Service Charge / Fee
Annual fee		Waived
Re-issue BOC Mastercard^® Debit Card	Replacement due to customer’s loss of a BOC Mastercard^® Debit Card	HKD50.00
Re-issue BOC Mastercard^® Debit Card	Non-receipt of new card	Waived
Replacement of a damaged card		HKD50.00
Cash withdrawal via ATMs of “JETCO” network^6,7	Cash withdrawal in Hong Kong	Waived
Cash withdrawal via ATMs of “JETCO” network^6,7	Cash withdrawal in Macau	HKD20.00 per transaction
Cash withdrawal via ATMs of “BOCHK” network^8,9	Cash withdrawal in Hong Kong	Waived
Cash withdrawal via ATMs of “MasterCard / Cirrus” network^6,8,9	Cash withdrawal from HKD account in Hong Kong	HKD25.00 per transaction
	Cash withdrawal from RMB account in Hong Kong	RMB25.00 per transaction
	Cash withdrawal from HKD account in Mainland China	HKD50.00 per transaction
	Cash withdrawal from RMB account in Mainland China	RMB50.00 per transaction
	Cash withdrawal outside Hong Kong and Mainland China	Waived
Foreign currency transaction fee^6,10	For cash withdrawal transactions¹¹	Waived
Foreign currency transaction fee^6,10	For purchase or online transactions¹²	Waived

BOC Card

Items	Service Charge / Fee
Card replacement fee Replacement due to customer's loss of a BOC Card (with HKD account as the primary account) / BOC Fast Cash Card Replacement due to customer's loss of a BOC Card (with RMB account as the primary account) Non-receipt of new card	HK$50 RMB50 Waived
Replacement of a damaged card New card with HKD account as the primary account New card with RMB account as the primary account	HK$50 RMB50
Cash withdrawal via ATMs of "JETCO" network¹³	Cash withdrawal in Macau	HK$20 per transaction
Cash withdrawal in Hong Kong via ATMs of “CUP” network(Also applicable to "UnionPay QRC Withdrawal" via non-BOCHK ATMs, or withdrawal via linked bank accounts under BOC UPI Dual Currency Credit Card)¹⁴	Cash withdrawal from RMB account	RMB15 per transaction
	Cash withdrawal from HKD account	HK$15 per transaction
Cash withdrawal outside Hong Kong via ATMs of “CUP” network (Also applicable to "UnionPay QRC Withdrawal" via non-BOCHK ATMs, or withdrawal via linked bank accounts under BOC UPI Dual Currency Credit Card)¹⁴	Cash withdrawal from RMB account	RMB50 per transaction
	Cash withdrawal from HKD account	HK$50 per transaction
ATM cash withdrawal via "VISA / PLUS" network (Applicable to BOC Visa Credit Card linked with bank accounts)¹⁵		HK$25 per transaction
ATM cash withdrawal via "MasterCard / Cirrus" network (Applicable to BOC MasterCard Credit Card linked with bank accounts)¹⁶		HK$25 per transaction

Safe Deposit Box

Items	Service Charges / Fees
Replacement of a key	HK$100 (plus key replacement cost)
Drilling of box and replacement of lost keys	HK$200 (plus box opening fees and lock replacement costs)

Cashier's Order

Items	Service Charges / Fees
Issuance of a cashier's order (HKD / USD / RMB)¹⁷	HK$50 per item
Issuance of an e-Cashier's Order (HKD / USD / RMB)	HK$50 / US$6 / RMB40 per item
Verification of the purchaser's identity	Waived
Cancellation of cashier's order and redeposit into purchaser's account	HK$50 per item
Report loss of a cashier's order to HKICL	HK$50 plus HKICL charges
Mark 'good'-cashier's order	HK$50 per item

Bank Certification

Items	Service Charges / Fees
Banker's endorsement	HK$150 (HK$20 for each additional copy)
Confirmation of account balance	HK$100 (HK$20 for each additional account)
Bank confirmation for audit purposes	HKD300.00 per set (Minimum HKD600.00) Postage By ordinary mail：Waived By courier： HKD25.00 for local HKD60.00 for non-local
Banker's reference letter	HK$300 (HK$25 for each additional copy)

Outward Remittance

Outward Remittance
Items	Charges / Details
Telegraphic Transfer	Telegraphic Transfer	Conducted via branches		HK$260 per item¹⁸
	Telegraphic Transfer	Conducted via electronic channels		Personal customers: HK$65 per item¹⁸ Corporate customers: HK$120 per item¹⁸
	BOC Remittance Plus Remittance to branches of Bank of China and Cooperative Banks in the mainland and designated branches outside Hong Kong	Conducted via branches		HK$260 per item¹⁸
		Conducted via electronic channels		Personal customers: Waived¹⁸ Corporate customers: HK$115 per item¹⁸
	Handling Fee of Message to Beneficiary	Conducted via branches		Waived if message is within 10 Chinese characters or 10 English words; HK$100 per item if exceeded
	Handling Fee of Message to Beneficiary	Conducted via electronic channels		Waived
	Extra Cable Charge (if more than one SWIFT/electronic message is required)			HK$100 per message
	Correspondent Bank Charges¹⁹(Applicable if remitter requested to bear correspondent bank charges)	USD	To anywhere (excluding the mainland)	HK$160 per item
		EUR	To Euro Area	No charge in advance if remittance amount is EUR100 or below EUR25 per item if remittance amount is EUR100.01 to Euro12,500 EUR35 per item if remittance amount is above EUR12,500
		GBP	To United Kingdom and Ireland	GBP20 per item
		JPY	To Japan	Minimum JPY3,000 per item
		THB	To anywhere	THB500 per item
		All Others		Minimum HK$200 per item
	Confirmation to Beneficiary Bank by SWIFT/electronic message			HK$100 per item
	Handling charge for amendment, cancellation, return			HK$220 per item, plus correspondent bank charges²⁰
	Enquiry on status of remittance	By SWIFT/electronic message		HK$220 per item, plus correspondent bank charges²⁰
	Enquiry on status of remittance	By telephone call		HK$100 per item
	Set up or amend Standing Instruction of general remittance			HK$100 per item, plus regular outward remittance charges
	Set up, execute, or amend Standing Instruction remittance of social security payments for the Elderly. (Applicable to Recipients/Appointees of the Portable Comprehensive Social Security Assistance Scheme, Guangdong Scheme and Fujian Scheme only)			Waived
	BoC Pay Cross-border Remittance			1% of total amount for remittance (subject to a minimum fee HKD20.00 per transaction and a maximum of HKD60.00 per transaction
Demand Draft	Issuance of Demand Draft			HK$200 per item
	Request for Cancellation of issued Demand Draft			HK$250 per item
	Request for Stop Payment and/or Report Loss of issued Demand Draft			HK$250 per item (plus an additional charge of HK$140 per item levied by HKAB, which is subject to change without prior notice)

Inward Remittance

Inward Remittance
Items		Charges / Details
Proceeds credited to a BOCHK account	Remittance amount not more than HK$500 or equivalent	Waived
Proceeds credited to a BOCHK account	Remittance amount more than HK$500 or equivalent	HK$60 per item
Mark good by other banks in Hong Kong	Telegraphic Transfer / Mail Transfer	HK$35 per item
Mark good by other banks in Hong Kong	Demand Draft	HK$100 per item
Enquiry by SWIFT/electronic message		HK$100 per item

Remittance - Others

Others
Services	Items	Charges / Details
Facsimile	Hong Kong (within 5 pages)	HK$50 per item
	Outside Hong Kong (within 2 pages)	HK$100 per item
	Each additional page (all countries/regions)	HK$50 per item
Issuance of the duplicate advice or receipt	Within 1 year	HK$50 per page
	1-2 years	HK$100 per page
	2-3 years	HK$150 per page
	More than 3 years (maximum 7 years)	HK$200 – HK$350 per page

Local Bank Transfer

Local Bank Transfer
Items				Charges / Details
Local Bank Transfer	Express Transfer (RTGS/ CHATS)	Funds Transfer to other local banks by Express Transfer (RTGS/ CHATS)	Conducted via branches	HK$180 per item²¹
			Conducted via electronic channels	Personal customers: Waived Corporate customers: HK$25 (HKD/CNY)/HK$55 (USD/EUR) per item²¹
		Funds transfer from other banks by Express Transfer (RTGS/ CHATS) to a BOCHK account	Transfer amount not more than HK$500 or equivalent	Waived
			Transfer amount more than HK$500 or equivalent	Personal customers: Waived Corporate customers: HK$15 per item
		Handling charge for amendment, cancellation, return or enquiry²⁰		HK$150 per item
	FPS (Faster Payment System)	Funds transfer to other local banks through FPS	Transfer amount is equal to or not more than HKD1,000,000.00 or equivalent	Personal customers: Waived
			HKD transfer amount is equal to or not more than HKD100,000.00	Corporate Customers: HKD5.00 per item
			HKD transfer amount is above HKD100,000.00 and equal to or not more than HKD1,000,000.00	Corporate customers: HKD10.00 per item
			RMB transfer amount is equal to or not more than RMB100,000.00	Corporate Customers: RMB4.00 per item
			RMB transfer amount is above RMB100,000.00 and equal to or not more than RMB 1,000,000.00	Corporate customers: RMB 8.00 per item
		Funds transfer from other local banks through FPS to a BOCHK account	Waived
		Handling charge for return or enquiry²⁰		Corporate customers: HK$150 per item Personal customers: HK$150 per item Charges on Personal Customers in this section will be waived until further notice

Autopay

Items		Charges / Details
Setup or amendment of standing instruction for autopay-out		HK$100 / RMB 90 per item
Returned autopay (due to insufficient funds)	Direct debit authorisation (DDA)	HK$150 / RMB 130 per item
Returned autopay (due to insufficient funds)	Standing instruction for autopay-out	HK$150 / RMB 130 per item
Re-processing of direct debit authorisation (DDA) instruction		HK$100 / RMB 90 per item

Other Services

Other Services
Items	Service Charges / Fees
Company search
Limited company Unlimited company	HK$150 HK$100
Request for savings / fixed deposit account records
1 year 2 years 3 years More than 3 years (maximum 7 years)	HK$250 per account HK$750 per account HK$1,000 per account HK$1,000 per additional year
Request for copy of account statements (from 1 month up to 7 years from the date of request)	HK$50 per statement cycle²²
Paper Consolidated Statement Monthly Fee²³	HKD5.00 per customer per month^24,25
Setting up / Amendment of standing instruction	HK$70
Written funds transfer instruction without using the BOCHK standard form	HK$150 per transaction
Provision of dupliacte copy of customer's information	HK$50 per page plus operating costs

Gift cheque (HKD / RMB)¹⁷

HK$10 per item

Notional Precious Metals Passbook
Replacement of passbook	HK$100 per account

Change of coins
10 or 20 cents Others	HK$1 for every 20 dollars HK$1 for every 50 dollars
Bulk coins deposit (presorting is required)	2% of the total amount for deposit of 500 coins or above Subject to a minimum fee HK$50 per transaction
Bulk cash deposit / transaction (HKD)²⁶	0.25% of the total deposit amount for depositing above 200 notes / above HK$100,000 via branch counters per customer per day Subject to a minimum fee HK$50 per transaction
Bulk cheque deposit
Up to 30 pieces per day Charges for each cheque if more than 30 pieces per day	Waived HK$1
Encashment of demand draft
Issued by Bank of China Issued by other banks Returned unpaid items	0.25% of draft amount (minimum HK$50) plus correspondent bank's charge (if any) 0.375% of the draft amount (minimum HK$50) plus correspondent bank's charge (if any) HK$100 plus correspondent bank's charge (if any) and interest
Clean bills
Sent for collection (applicable to non-bills transactions) Returned / unpaid items	HK$200 per item (including postage) plus correspondent bank's charge HK$100 plus correspondent bank's charge (if any) and interest

Loan Services

Mortgage Loan Service
Item	Charges / Details
Handling Charge²⁷	0.5% of loan amount (Subject to a minimum of HK$1,000 equivalent)
Cancellation Fee	0.15% of loan amount (Subject to a minimum of HK$5,000 equivalent)
Custody of Property Title Deeds after Full Repayment	HK$4,000 per year
Lease Consent Letter on Charged Property	HK$1,000 per letter (plus legal cost, if any)
Fee for Full / Partial Principal Repayment (less than 1 month’s prior notice)	Base on repayment amount to charge 1-month interest calculating from prepayment date
Re-issuance of Notice for Repayment Schedule	HK$100 per copy
Re-issuance of Annual Statement of Instalment Loan Account	HK$100 per copy
Confirmation of Mortgaged Property and Account Balance	HK$200 per copy (HK$20 for each subsequent copy issued simultaneously)
Re-issuance of Confirmation of Mortgage / Notice for Repayment Schedule for the Mortgage Subsidizing Scheme of Hospital Authority / Government	HK$100 per copy
Change of Mortgage Term²⁷ (e.g. Repayment amount, tenor, mortgage scheme, mortgagor, guarantor and the like)	HK$1,500 per item
Provision of Duplicate Copy of Deeds / Documents	HK$200 per title deed of property; HK$50 per page for other documents
Administration Fee for Late Payment²⁷	HK$500 for each overdue repayment (plus legal cost, if any)
Administration Fee for Government Rate / Rent Payment²⁷	HK$500 for each time
Administration Fee for the Change of Insured Amount of Fire Insurance (Applicable to the insured amount involving assessment of the reinstatement value of the property)	HKD1,000.00 for each time

BOC Express Cash
Item	Charges / Details
BOC Express Cash Instalment Loan	Handling Fee	0%-1.5% of total loan amount per annum (Please refer to loan advice for the actual handling fee to be charged)
	Default Interest and Handling Fee	HK$500 late payment fee plus default interest rate of 0.08% per day on the overdue amount until the day of actual payment will be charged upon each occasion of overdue monthly repayment.
	Early Settlement Fee	Upon early settlement of the Loan, outstanding interest and principal shall be calculated on the basis of “Reducing Balance Method²⁸” or “Rule of 78²⁹”. “Reducing Balance Method”: The Borrower shall also pay an early settlement fee which is 2% of the approved principal amount of BOC Express Cash Instalment Loan / Balance Transfer. The Bank may at its discretion adjust the early settlement fee at any time. “Rule of 78”: The Borrower shall also pay an early settlement fee which is 2% of the approved principal amount of the Loan; 1.5% of the amount of the approved Loan for balance transfer (in accordance with the Terms and Conditions of BOC Express Cash Instalment Loan Balance Transfer) per annum for the remaining years of the Loan Period (any part of a year shall be rounded up to a year). The Bank may at its discretion adjust the early settlement fee at any time.
BOC Express Cash Revolving Credit³⁰	Annual Fee (only applicable to the customer who apply for the BOC Express Cash Revolving Credit on or after 1 June 2009)	1% of credit limit (subject to a minimum of HKD50.00 and a maximum of HKD1,000.00)
	Withdrawal/transaction Fee: Cash Advance³¹ / Balance Transfer Service³¹ / Cash Before Card Service³¹ / payment or fund transfer through “JET Payment”³¹	Cash Advance / Balance Transfer Service / Cash Before Card Service / payment or fund transfer through “JET Payment” in Hong Kong: 2% of transaction amount plus HKD20.00 per transaction
	Payment or fund transfer through “Online Bill Payment”³¹	2% of transaction amount plus HKD20.00 per transaction.
	Minimum Payment	i) 3% of total outstanding amount (subject to a minimum of HKD40.00); and ii) any overdue minimum payment amount from previous monthly statement (where applicable); and iii) total of over-limit amount (where applicable
	Late Payment Charge	5% of the Minimum Payment (subject to a minimum of HKD100.00 and a maximum of HKD200.00) for each late payment.
	Returned Cheque / Rejected Autopay Charge	HKD150.00 per transaction
	Over-limit Handling Fee³²	HKD100.00 per statement period
	Statement Copy Retrieval Fee • Within the latest 2 months Free • Preceding the latest 2 months HKD50.00 per copy
	Sales Slip Retrieval Fee	HKD30.00 per copy
	Lost Card Replacement Fee	HKD100.00 per card
	Foreign Currency Cheque Repayment Fee	HKD100.00 per cheque
	Credit Balance Refund	HKD50.00 per transaction
	Credit Reference Letter	HKD200.00 per copy

Other Loan Services (Personal Customer)
Item		Charges / Details
Secured Loans	Handling Charge	0.2% of loan amount (Subject to a minimum charge of HKD250 or equivalent)
Secured Loans	Renewal Fee	0.2% of loan amount (Subject to a minimum charge of HKD250 or equivalent)
Unsecured Loans(Non- BOC Express Cash Instalment Loan & Revolving Credit)	Handling Charge	0.5% of loan amount (Subject to a minimum of HK$1,000)
	Renewal Fee	0.25% of loan amount (Subject to a minimum of HK$500)
Commitment / Arrangement Fee for Overdraft Limit		0.5% p.a. on undrawn overdraft limit (calculated on a daily basis)
Administration Fee for Late Payment		HK$500 for each overdue repayment (plus legal cost, if any)
Provision of Duplicate Copy of Deeds / Documents		HK$200 per title deed of property; HK$50 per page for other documents

Remarks:

When the balance of current account is not sufficient to debit the returned cheque charge, unauthorized overdraft/ temporary overdraft O/D interest will be levied.
The Bank reserves the rights to impose other fees for deposit in respect of all or any part of the balance in the Account(s) on a case by case basis. For the avoidance of doubt, such other fees are (a) separate from the above monthly fee, (b) not limited to the currencies mentioned in the above table and (c) applicable irrespective of the threshold of the average monthly balance in the Account(s) set out in the above table.
"Accounts/Services Application Fee" is applicable to corporate customers (which generally refers to non-individual customers), who newly open an account or service with the Bank. "Tax-exempt Charities", "Social Service Organizations" and "Government and Related Organizations" are exempted for the fee. For details, please contact staff of the Bank.
"Company incorporated in Mainland China" refers to corporate customers incorporated in accordance with the relevant laws of the People's Republic of China, regardless of whether such customer is registered as non-Hong Kong companies under Companies Ordinance of Hong Kong (Cap 622) Part 16.
"Company incorporated overseas" refers to corporate customers incorporated in accordance with laws other than Hong Kong or the People's Republic of China, regardless of whether such customer is registered as non-Hong Kong companies under Companies Ordinance of Hong Kong (Cap 622) Part 16.
Surcharges of overseas local banks may be levied (if applicable).
The foreign currency transaction amount will be converted into Hong Kong dollars by the exchange rate imposed by JETCO on the transaction date and deducted from your Hong Kong dollar accounts.
Please take notice that any withdrawal of one of the major currencies through ATMs will be debited from your respective MTC account, given you have sufficient foreign currency and activate Foreign Currencies Direct Debit Setting. If you do not have sufficient foreign currency to complete the withdrawal or have not activated Foreign Currencies Direct Debit Setting, we will convert the entire foreign currency transaction amount into Hong Kong dollars and deducted from your Hong Kong dollar accounts according to our prevailing exchange rates. Major currencies include HKD, USD, CNY, GBP, JPY, AUD, NZD, CAD, EUR, CHF, SGD and THB.
If you withdraw non-major currencies through ATMs, we will convert the entire foreign currency transaction amount into Hong Kong dollars and deducted from your Hong Kong dollar accounts according to a rate determined by us with reference to the exchange rate adopted by MasterCard on the date of conversion.
Foreign currency transaction fee is incurred when a transaction is effected in currencies other than Hong Kong dollars. This fee is waived for BOC Mastercard^® Debit Card.
If an ATM cash withdrawal outside Hong Kong is converted to Hong Kong dollars via Dynamic Currency Conversion (DCC, which is a service provided by some ATM operators which allow customers to convert a transaction denominated in a foreign currency to Hong Kong dollars at an exchange rate determined by the relevant ATM operator or DCC service provider), the cash withdrawal amount will be converted to Hong Kong dollars using the prevailing exchange rate as determined by MasterCard or the relevant network and deducted from your Hong Kong dollar accounts.
You may sometimes be offered the option to settle foreign currency transactions in Hong Kong dollars at the point of sale outside Hong Kong. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, you are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transaction in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee.
For transaction conducted via the "JETCO" network, if the transaction currency is Renminbi, the transaction amount is converted at the exchange rates set by the "JETCO" member bank which is displayed on the ATM screen at the time of the transaction.
For transaction conducted via the "CUP" network, if the transaction currency is Hong Kong dollars or Renminbi, the transaction amount is converted at the exchange rates set by BOCHK at the time of the transaction (exchange rate can be enquired via the website of BOCHK). If the transaction currency involves currency other than Hong Kong dollars or Renminbi, the transaction amount is converted directly at the daily exchange rates set by China UnionPay at the time of the transaction (Exchange rate can be enquired via the website of China UnionPay).
For transaction conducted via the "VISA / PLUS" network through bank account, the transaction amount withdrawn is converted into Hong Kong dollars at the daily exchange rates set by VISA at the time of the transaction plus 1.95% conversion charge (Exchange rate can be enquired via the website of VISA).
For transaction conducted via the "MasterCard / Cirrus" network through bank account, the transaction amount is first converted to US dollars, and then to Hong Kong dollars, at the daily exchange rates set by MasterCard at the time of the transaction plus 1% conversion charge (Exchange rate can be enquired via the website of MasterCard).
The following group of customers will be exempted from the fee: Private Wealth Customers, Customers with Senior Citizen Card or Customers aged 65 or above, Recipients of Government's Comprehensive Social Security Allowance. The following group of customers will be provided with 50% discount: Wealth Management Customers.
In addition to relevant charges to the remittance item, if the Remitter pays the remittance amount by the Remitter’s BOC Credit Card, BOC Credit Card (International) Limited will in addition charge an administration fee for remittance by credit card and debit it to the BOC credit card account. For details please refer to the Fee Schedule of respective BOC Credit Card.
"Correspondent Bank Charges" means collectively the charges imposed by the related correspondent banks, intermediary banks, clearing institutions &/or beneficiary bank in processing the remittance, plus extra handling charge of the Bank. If Correspondent Bank Charges are requested to be borne by remitter, the Bank is entitled to collect the charges in advance. The collected amount is not refundable. But, if the actual claims exceeded the collected amount, the Bank is entitled to collect the shortfall. Please also note that this charge option requires more work and the related banks/institutions generally collect higher amount than if they are otherwise borne by beneficiary.
(a) The handling charge of the Bank is not refundable regardless of whether the request is fulfilled. (b) Correspondent banks and/or the beneficiary bank may levy their handling charges in relation to the request; the Bank may collect these charges in advance or arrears.
If Beneficiary Bank Charges are requested to be borne by remitter, the Bank is entitled to collect the charges plus extra handling charges of the Bank in advance. The chargeable amount is determined by the Bank with reference to the collection records of the related beneficiary bank without notice, and the collected amount is not refundable. But, if the actual claims exceeded the collected amount, the Bank is entitled to collect the shortfall. Please also note that this charge option requires more work and the Beneficiary Bank generally collect higher amount than if they are otherwise borne by beneficiary.
Charge will be waived for the request for copy of Personal Consolidated Monthly Statements. The grant of wavier shall be subject to the Bank's discretion.
Paper Consolidated Monthly Statement includes personal consolidated monthly statement and/or current account monthly statement issued by the Bank but does not include credit card monthly statement and/or other account and/or product monthly statement.
Charge will be waived for the following customers: customers aged below 18, aged 65 or above or who receive Disability Allowances/Old Age Allowances/Comprehensive Social Security Assistance Scheme through the Bank.
If the customer holds both HKD Savings account and HKD Current account, the Bank may debit the relevant charges from the HKD Savings/HKD Current account with the highest account balance. The Bank reserves the right to debit the relevant charges from any of the customer's accounts at its sole discretion.
Bank of China (Hong Kong) Limited reserves the rights to levy extra charge.
Not applicable to customers of "Home Ownership Scheme", "Tenant Purchase Scheme" and "Green Form Subsidised Home Ownership Scheme".
“Reducing Balance Method” ：applicable to any loan application on or after 13 January 2020 for BOC Express Cash Instalment Loan / BOC Express Cash Instalment Loan Balance Transfer / BOC Express Cash Instalment Loan Top up / BOC Express Cash Instalment Loan Balance Transfer Top Up or any loan application on or after 7 June 2020 for BOC Express Cash Instalment loan online application with instant approval service.
“Rule of 78”：applicable to the loan application on or before 12 January 2020 for BOC Express Cash Instalment Loan / BOC Express Cash Instalment Loan Balance Transfer / BOC Express Cash Instalment Loan Top up / BOC Express Cash Instalment Loan Balance Transfer Top Up or any loan application on or before 6 June 2020 for BOC Express Cash Instalment loan online application with instant approval service.
Only applicable to customers who have applied for BOC Express Cash Revolving Credit on or after 1 June 2009.
Any withdrawal or fund transfer of the credit balance or any part thereof from BOC Express Cash Revolving Credit account, except effected by way of a refund procedure prescribed by Bank of China (Hong Kong) Limited (the "Bank") from time to time, will be treated as a cash advance transaction.
If the current balance exceeds the credit limit of the Revolving Credit, an Over-limit Handling Fee will be debited to the account.
Annualised Percentage Rate (APR)：

Loan Amount

APR

HKD 5,000.00

As low as 14.23%

HKD 20,000.00

As low as 10.74%

HKD 100,000.00

As low as 7.99%

An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate. This APR is calculated based on a loan amount of HKD5,000.00/HKD20,000.00/HKD100,000.00 and a yearly interest rate of 12.5%/9.5%/7.0% respectively. The APR is calculated according to the guidelines issued by The Hong Kong Association of Banks and for reference use only. The actual APR will depend on the customer’s credit rating and loan amount.
Annualised Overdue/Default Interest Rate is 46.78%. Additional yearly flat interest rate of 4% will be applied to outstanding loan balance on a compound basis, if you have failed to meet the requirement of Minimum Payment on two or more occasions in respect of the last 6 consecutive statements ("Triggering Event"). Default Interest Rate will be applied during the period from the day following the statement date of the statement first issued after the occurrence of the Triggering Event until the statement date of the statement first issued after the cessation of the Triggering Event. Interest will be calculated at the applicable privileged interest rate thereafter. Any special offers (such as preferential interest rates) applicable to the account will be suspended until such time as the Default Interest Rate ceases to apply. In any case, the relevant promotion period will not be extended.

"The Bank" means Bank of China (Hong Kong) Limited.

Other Charges may apply, please contact our staff for details.
We reserve the right to amend the service charges.

Loan Amount	APR
HKD 5,000.00	As low as 14.23%
HKD 20,000.00	As low as 10.74%
HKD 100,000.00	As low as 7.99%