Remove All Items

Diversified Products

A wide array of financial products from money management to investment and insurance are provided by Wealth Management to meet your financial needs and build your wealth.

Protection for you and your family

A well-designed financial plan can help secure your future. No matter you plan to purchase a property or plan for your children's education, retirement, or travel around the world, our all-round protection solutions can help you to plan your future.

Life insurance

  • Our diversified life insurance products offer full coverage for you and your family.

Learn More


Accident, medical, property and other general insurance plans

  • With our wide range of insurance solutions, you and your family can receive all-round health protection and assistance in the event of unexpected situations.

Learn More


Travel Insurance

  • Whether you and your family members are traveling on holiday, business or short-term overseas study trip, you can enjoy comprehensive coverage with “Universal Smart Travel Insurance Plan”

Learn More

Investment for wealth

BOCHK provides a comprehensive suite of investment products and services for you to capture investment opportunities for potential returns.

Securities

  • Our one-stop securities trading service as well as multiple trading channels and latest market information are offered to facilitate your investment.
    • Family Securities Accounts
      In addition to maintaining an ordinary investment account, you can open multiple family securities accounts in the names of your children or other family members for identification purposes. You can enjoy securities trading, setting up of Monthly Stocks Savings Plans and nominee service through these accounts to achieve your family financial goals.
       

Funds

  • BOCHK partners with over 20 renowned fund providers to offer over 900 open-end funds for your selection. Our Investment Product Specialists and wealth management professionals provide you with latest market and fund information. You can also access the information through our extensive branch network and Internet Banking to keep up with the market trends and manage your fund portfolio.
     

Foreign exchange

  • You can conduct foreign exchange trading of various currencies through our branches, Internet Banking, Mobile Banking, Phone Banking and Manned Investment Trading Hotline and exclusively enjoy currency exchange offers.
     

Precious metals

  • We provide physical precious metals trading including gold bars, gold coins, silver bars and platinum, etc.
  • In additional to trading by physical delivery, you can invest in notional precious metals, including Gold bullion of 0.99 fineness, Gold bullion of 0.9999 fineness, London gold bullion, London Silver and Zurich platinum with our Notional Precious Metals Passbook Account.
     

Structured products

  • Structured products with a wide variety of underlying assets and currencies are offered for your selection. You can invest in the products linked with various types of financial tools (such as interest rates and exchange rates, etc.) for higher potential returns.
     

Bonds

  • We provide one-stop bonds trading services through multiple trading channels, including our branches all over Hong Kong, Internet Banking and Phone Banking.
     

Precious Metal / FX Margin Trading

  • We offer online account opening for precious metal / FX margin service and professional trading platforms. You can trade precious metals and foreign currencies according to your investment appetite and the market outlook. Only a margin as low as 5% of the value of your holdings is required to enjoy leverage trading of up to 20 times.

Learn More


General Risk Disclosure of Investment

This website does not constitute any offer, solicitation, recommendation of any investment products or services. Investment involves risks. 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 customers. Customers' funds may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment may be the same or greater than the initial investment amount. Proceeds may also change accordingly. Part of the investment may not be able to liquidate immediately under certain market situations. Before making any investment decisions, customers should consider their own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek independent professional advice.

Structured products involve derivatives. The investment decision is yours but you should not invest in these products unless the intermediary who sells it to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Structured products may not be principal protected, you may lose all or part of your principal invested. Structured products are not equivalent to time deposits and are not protected deposits under the Deposit Protection Scheme in Hong Kong.

The above risk disclosure cannot disclose all the risks involved.

Please click here for the risk disclosures of individual investment products.

 


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.

 

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.

 

 
 

Your Privilege • Wealth Management Visa Infinite Card

Wealth Management Visa Infinite Card

  • Up to 6X Gift Points for dining and overseas spending (equivalent to 2.4% Cash Rebate)
  • Visiting Airport Lounges in Different Places
  • Airport Limousine Pick Up Service
  • Perpetual annual fee waiver

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

Learn More

Solutions on financing

Mortgage

  • Our comprehensive range of mortgage plans, coupled with our one-stop professional services, provide you with the most suitable mortgage solutions to help you to realise your dream of home ownership.

Learn More


Personal Loans

  • You can enjoy our Secured Overdraft Facility service by pledging designated time deposits and securities (designated securities include designated Hong Kong listed stocks，designated funds and designated bonds)1 in BOCHK to obtain an overdraft limit. You can convert assets into liquid funds for greater financial flexibility.
  • We offer a wide range of personal lending solutions to improve your cash flow. These include tax loan, instalment / revolving loans, balance transfer and overdraft facility for your selection.

1 Designated currencies of time deposits include HKD, USD, AUD, CAD, CHF, DKK, EUR, GBP, JPY, NZD and SEK. For details of the respective loan ratio of the designated time deposits and securities, please contact our staff.

Learn More

Managing your wealth with comprehensive account services

Integrated account service

  • The integrated account service offered by Wealth Management encompasses HKD and foreign currency deposits, current and investment accounts, etc. You can manage your wealth through an integrated platform at ease.

     

Payroll Service

  • Taking up BOCHK Payroll Service with all the advantages of the service, you can manage your money with ease to meet your financial target.

Learn More


Wealth Management Card

  • With the card, you can withdraw cash and make direct debit payment in HKD and RMB via our ATM network to enjoy greater convenience in financial management.

Learn More


RMB Services

  • By leveraging our close ties with our parent bank, BOC and a team of RMB experts, we endeavour to provide you with total RMB services in deposits, currency exchange, mortgage, investment, remittance, cheques, cashier's order, gift cheques, insurance, debit cards, securities trading.

Learn More


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


Risk Disclosure

Investment involves risks. 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 web page does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. This web page 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 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.

Services involving cross-border flow of RMB funds are subject to the regulations and requirements of the Mainland of China.

General Terms:

  • Wealth Management service (the "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.
  • 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.

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.