8 Major Premium Banking Services Comparison: fees, offers & requirements

In this article, the team at MoneyHero aims to provide readers with a bird’s eye view of the range of premium bank account services offered by 8 major banks in Hong Kong. While all our articles are thoroughly researched and updated regularly, the information we offer serves as a point of reference only and we do recommend that you speak with a bank representative or consult the bank website for a full and final representation of offers and interest rates.

Comparing Premium Accounts offered by Major Banks in Hong Kong

CITIBANK - Citigold

Initial deposit: HK$1,500,000

Account service fee: HK$300/month

Service fee waiver requirement:

Total daily relationship balance of HK$1,500,000 or above

Welcome offers:

Apply via mobile app to enjoy an extra offer of HK$500 cash rebate
Cash rebate for new funds :

New Funds Amount	Cash Rebate
≥ HK$5,000,000	HK$18,500
≥ HK$2,500,000	HK$10,500
≥ HK$1,500,000	HK$6,000

Maintaining designated product balance for 6 months:

Designated Product Balance	Cash Rebate
≥ HK$5,000,000	HK$20,000
≥ HK$2,500,000	HK$12,000
≥ HK$1,500,000	HK$6,000
≥ HK$650,000	HK$2,600

New clients who deposit their monthly salaries into the Citigold will enjoy the following Payroll Account Offer:

Monthly Salary	Cash Rebate
≥ HK$80,000	HK$800
≥ HK$50,000	HK$500
≥ HK$30,000	HK$300

Linked credit card: Citi Prestige MasterCard

Welcome Gift

Featured

Citigold Account

Min. Opening Balance

HK$1,500,000

HK$ Time Deposit Rate

Up to 4.7%

Welcome Offers

HK$41,600

See less

獎勵

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HK$ Time Deposit: Up to 4.8% for Citigold bank account and Up to 5.0% for Citigold Private Client \n
Foreign Currency Time Deposit: Up to 6%"]},"disclaimer":null,"documents":null,"eligibility":[{"description":{"longDescription":null,"shortDescription":"HK$1,500,000","tooltip":null},"type":{"display":"Min. Opening Balance","key":"MINIMUM_MONTHLY_INCOME"},"value":"1500000"}],"enableCountdown":false,"enableFlipBanner":false,"featured":true,"features":{"cons":["Terms and conditions apply. All info and offers are subjected to Citibank's official website.
  The Promotion Period of Remote Account Opening and New Funds is from now until 31 October 2023
 
","MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months (\"New Customer\").","Fees You Need to Know    Item   Fees
  
  Service Fee  HK$300
(Average Daily Relationship Balance of HK$1,500,000: Waived)  
  Paper Statement Fee  HK$10/month  
  Account closed by customer within 6 months from the date of opening  HK$500  
  ATM Card Annual Fee  Free  
 
 
"],"pros":["Account Opening Offer - Up to HK$41,600 Cash Rebate
  Digital Channel Offer - HK$500 Cash Rebate
New customers, who successfully open a Citigold account through online appointment / a Citigold account through straight-through remote account opening solution and fulfill the following requirements, can enjoy below rewards:
 
    Requirements  Rewards  
    Successfully open a Citigold account through online appointment / a Citigold account through straight-through
remote account opening solution and fulfill New Funds Offer requirements
 
  HK$500 Cash Rebate  
 
 
  New Funds Offer - Up to HK$18,500 Cash Rebate
New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards:    New funds amount  Cash Rebate  
  ≥ HK$5,000,000  HK$18,500 Cash Rebate  
 ≥ HK$2,500,000  HK$10,000 Cash Rebate  
  ≥ HK$1,500,000  HK$6,000 Cash Rebate  
 
 
   
 
 Product Balance Offer - Up to HK$20,000 Cash Rebate
New customers who maintain designated investment products, life insurance plans and mortgage to can enjoy below rewards:   Designated Product Balance  Cash Rebate  
  ≥ HK$5,000,000  HK$20,000 Cash Rebate  
 ≥ HK$2,500,000  HK$12,000 Cash Rebate  
  ≥ HK$1,500,000  HK$6,000 Cash Rebate  
   ≥ HK$650,000  HK$2,600 Cash Rebate  
  
 
  Designated products include Mortgage, Designated Investment Products and Insurance Plans
 
 
  Payroll Account - Up to HK$800 Cash Rebate
New Citigold customers who deposit the specific paycheck can enjoy below rewards:
 
    Paycheck  Cash Rebate  
  ≥ HK$80,000  HK$800 Cash Rebate  
  ≥ HK$50,000  HK$500 Cash Rebate  
 ≥ HK$30,000  HK$300 Cash Rebate  
 
 
Annual Offer  - Up to HK$1,800 Cash Rebate
Maintain the below daily averge fund after opening the account for 12 consecutive months to enjoy:   Averge Daily Fund  Rewards  
  ≥ HK$2,500,000  HK$1,800 Cash Rebate  
  ≥ HK$1,500,000  HK$800 Cash Rebate  
 
 
 
","Mutual Fund 0% Subscription Fee Program  From now until March 31, 2024, clients with accounts newly opened since July 1, 2023 can enjoy 0% subscription fee for mutual funds transactions made via branches in Hong Kong
","Mortgage Offer - Extra HK$15,000 Cash Rebate  Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate
 Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.
 
","Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services","Time Deposit Offer 
  Enjoy Preferential Time Deposit rates of up to 5.0% p.a. for Citigold bank account and Up to 5.2% p.a. for Citigold Private Client  now by setting up HKD Time Deposit via Online Banking or Citi Mobile App
 USD Preferential Time Deposit Interest Rate up to 6% p.a.
","Investment Offer  Enjoy Citi’s Cost Price for every successful FX transaction via Citi Mobile^® App within the first 3 calendar months from account opening
 HK & US stock buy fee waiver for first 3 months; Enjoy the continuous HK stock buy fee waiver from the 4^th month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4^th month onward will be capped at HK$888 each month).
 No minimum brokerage fee for US stock
 Transfer HK/US/SH/SZ stock to earn up to HK$10,000 cash rewards
 

Stock Transfer In Offer - Up to HK$10,000 Cash Rebate
New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards:    New funds amount  Rewards  
  ≥ HK$5,000,000  HK$10,000 Cash Rebate  
  ≥ HK$3,000,000  HK$3,000 Cash Rebate  
  ≥ HK$1,000,000  HK$1,000 Cash Rebate  
  ≥ HK$500,000  HK$500 Cash Rebate  
 
 
  Cash Rebate amount will be determined by the total stock transfer-in value net of the total stock transfer-out value (\"Total Stock Net Value\") during the promotion period. The stock value is based on the multiple of the closing stock price on the last trading day of the corresponding successful transfer-in month and number of shares.
","Refer your friends now

 For 1 successful referral of Citigold Private Client account: HK$8,888 Cash Rebate for each referral
For 2 or above Successful Referrals: HK$10,888 Cash Rebate for each referral
 For every successful referral of Citigold account, HK$2,088 Cash Rebate for each referral 
For every successful referral of Citigold and Citi NextGen account, HK$2,888 Cash Rebate for each referral","Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are
Activate your Citibank Global Wallet with your Citibank Debit Mastercard® / Citibank Cirrus® ATM Card to enjoy the following benefits:  HK$0 charge by Citi for withdrawals at Citi ATMs;
 No extra charges on overseas and online purchases
 
","Customer Support24-hour Citigold Hotline
Citi Live Chat: supports text/audio/video chat
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height: 50px; border-top: 1px solid #ededed;">HK$500 Cash Rebate</td> </tr> </tbody> </table> <ul> <li><strong>New Funds Offer - Up to HK$18,500 Cash Rebate</strong><br />New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards: <table style="width: 100%;"> <tbody> <tr> <td style="height: 50px; width: 50%; text-align: center;"><strong>New funds amount</strong></td> <td style="text-align: center; height: 50px;"><strong>Cash Rebate</strong></td> </tr> <tr> <td style="border-top: 1px solid #ededed;">&ge; HK$5,000,000</td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$18,500 Cash Rebate</td> </tr><tr> <td style="height: 50px; border-top: 1px solid #ededed;">&ge; HK$2,500,000 </td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$10,000 Cash Rebate</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #ededed;">&ge; HK$1,500,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$6,000 Cash Rebate</td> </tr> </tbody> </table> <ul>  </ul> </li> <li><strong>Product Balance Offer - Up to HK$20,000 Cash Rebate</strong><br />New customers who maintain designated investment products, life insurance plans and mortgage to can enjoy below rewards:<table style="width: 100%;"> <tbody> <tr> <td style="height: 50px; width: 50%; text-align: center;"><strong>Designated Product Balance</strong></td> <td style="text-align: center; height: 50px;"><strong>Cash Rebate</strong></td> </tr> <tr> <td style="border-top: 1px solid #ededed;">&ge; HK$5,000,000 </td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$20,000 Cash Rebate</td> </tr><tr> <td style="height: 50px; border-top: 1px solid #ededed;">&ge; HK$2,500,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$12,000 Cash Rebate</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #ededed;">&ge; HK$1,500,000 </td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$6,000 Cash Rebate</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #ededed;"> &ge; HK$650,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$2,600 Cash Rebate</td> </tr>  </tbody> </table> <ul> <li>Designated products include Mortgage, Designated Investment Products and Insurance Plans</li> </ul> </li> <li><strong> Payroll Account - Up to HK$800 Cash Rebate</strong><br />New Citigold customers who deposit the specific paycheck can enjoy below rewards:</li> </ul> <table> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 357px; text-align: center;"><strong>Paycheck</strong></td> <td style="text-align: center; height: 50px; width: 313px;"><strong>Cash Rebate</strong></td> </tr> <tr> <td style="border-top: 1px solid #ededed; width: 357px;">&ge; HK$80,000</td> <td style="text-align: center; border-top: 1px solid #ededed; height: 50px; ; width: 313px;">HK$800 Cash Rebate</td> </tr> <tr style="height: 18px;"> <td style="border-top: 1px solid #ededed; height: 18px; width: 357px;">&ge; HK$50,000</td> <td style="text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;">HK$500 Cash Rebate</td> </tr><tr style="height: 18px;"> <td style="border-top: 1px solid #ededed; height: 18px; width: 357px;">&ge; HK$30,000</td> <td style="text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;">HK$300 Cash Rebate</td> </tr> </tbody> </table><p><ul><li><strong>Annual Offer  - Up to HK$1,800 Cash Rebate</strong><br />Maintain the below daily averge fund after opening the account for 12 consecutive months to enjoy:<table style="width: 100%; height: 258px;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 50%; text-align: center;"><strong>Averge Daily Fund</strong></td> <td style="text-align: center; height: 50px; width: 48.5317%;"><strong>Rewards</strong></td> </tr> <tr style="height: 54px;"> <td style="border-top: 1px solid #ededed; width: 50%; height: 54px;">&ge; HK$2,500,000</td> <td style="text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;">HK$1,800 Cash Rebate</td> </tr> <tr style="height: 54px;"> <td style="border-top: 1px solid #ededed; width: 50%; height: 54px;">&ge; HK$1,500,000</td> <td style="text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;">HK$800 Cash Rebate</td> </tr></tbody> </table> </li> </ul>, <strong>Mutual Fund 0% Subscription Fee Program</strong> <ul> <li>From now until March 31, 2024, clients with accounts newly opened since July 1, 2023 can enjoy 0% subscription fee for mutual funds transactions made via branches in Hong Kong</ul>, <strong>Mortgage Offer - Extra HK$15,000 Cash Rebate</strong> <ul> <li>Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate</li> <li>Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.</li> </ul>, <strong>Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services</strong>, <p><strong>Time Deposit Offer&nbsp;</strong></p> <ul> <li>Enjoy Preferential Time Deposit rates of up to 5.0% p.a. for Citigold bank account and Up to 5.2% p.a. for Citigold Private Client  now by setting up HKD Time Deposit via Online Banking or Citi Mobile App</li> <li>USD Preferential Time Deposit Interest Rate up to 6% p.a.</li></ul>, <strong>Investment Offer</strong> <ul> <li>Enjoy&nbsp;Citi&rsquo;s Cost Price&nbsp;for every successful FX transaction via Citi Mobile<sup>&reg;</sup>&nbsp;App within the first 3 calendar months from account opening</li> <li>HK &amp; US stock buy fee waiver for first 3 months; Enjoy the&nbsp;continuous HK stock buy fee waiver&nbsp;from the 4<sup>th</sup>&nbsp;month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4<sup>th</sup> month onward will be capped at HK$888 each month).</li> <li>No minimum brokerage fee for US stock</li> <li>Transfer HK/US/SH/SZ stock to earn up to HK$10,000 cash rewards</li> </ul><br/><ul><strong>Stock Transfer In Offer - Up to HK$10,000 Cash Rebate</strong><br />New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards: <table style="width: 100%; height: 258px;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 50%; text-align: center;"><strong>New funds amount</strong></td> <td style="text-align: center; height: 50px; width: 48.5317%;"><strong>Rewards</strong></td> </tr> <tr style="height: 54px;"> <td style="border-top: 1px solid #ededed; width: 50%; height: 54px;">&ge; HK$5,000,000</td> <td style="text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;">HK$10,000 Cash Rebate</td> </tr> <tr style="height: 54px;"> <td style="border-top: 1px solid #ededed; width: 50%; height: 54px;">&ge; HK$3,000,000</td> <td style="text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;">HK$3,000 Cash Rebate</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 50%;">&ge; HK$1,000,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;">HK$1,000 Cash Rebate</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 50%;">&ge; HK$500,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;">HK$500 Cash Rebate</td> </tr> </tbody> </table> </li> <li>Cash Rebate amount will be determined by the total stock transfer-in value net of the total stock transfer-out value ("Total Stock Net Value") during the promotion period. The stock value is based on the multiple of the closing stock price on the last trading day of the corresponding successful transfer-in month and number of shares.</ul>, <strong>Refer your friends now</strong> <ul> <li>For 1 successful referral of Citigold Private Client account: HK$8,888 Cash Rebate for each referral</li><ul><li>For 2 or above Successful Referrals: HK$10,888 Cash Rebate for each referral</li></ul> <li>For every successful referral of Citigold account, HK$2,088 Cash Rebate for each referral </li><ul><li>For every successful referral of Citigold and Citi NextGen account, HK$2,888 Cash Rebate for each referral, <strong>Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are</strong><br />Activate your Citibank Global Wallet with your Citibank Debit Mastercard&reg; / Citibank Cirrus&reg; ATM Card to enjoy the following benefits: <ul> <li>HK$0 charge by Citi for withdrawals at Citi ATMs;</li> <li>No extra charges on overseas and online purchases</li> </ul>, <strong>Customer Support</strong><ul><li>24-hour Citigold Hotline</li><li>Citi Live Chat: supports text/audio/video chat</li></ul>], cons=[<p>Terms and conditions apply. All info and offers are subjected to Citibank's official website.</p> <ul> <li>The Promotion Period of Remote Account Opening and New Funds is from now until 31 October 2023</li> </ul>, MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months ("New Customer")., <strong>Fees You Need to Know</strong> <table style="width: 100%;"> <tbody> <tr style="height: 50px;"> <td style="height: 50 px; width: 40%;"><strong>Item</strong></td> <td style="text-align: center; height: 50px;"> <p><strong>Fees</strong></p> </td> </tr> <tr style="height: 51px;"> <td style="height: 51px; text-align: left;">Service Fee</td> <td style="text-align: center;">HK$300<br />(Average Daily Relationship Balance of HK$1,500,000: Waived)</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed;">Paper Statement Fee</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$10/month</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed;">Account closed by customer within 6 months from the date of opening</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">HK$500</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed;">ATM Card Annual Fee</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed;">Free</td> </tr> </tbody> </table>]}, fees=[], functional={metaData={alias=}, rateTableEntries=null, fees=null, defaults=null}, id=bltf846b6dd3d550078_25_en-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png, description=null, dimension=null}, imageOrientation=null, interestRateTiers=null, productName=Citigold Account, productPrivileges=null, promotional={bannerText=New customer can enjoy welcome offers valued <strong>up to HK$41,600</strong> upon fulfilling specific requirements!, bannerImage=null, countdown={text=Last, displayProductPage=false, date={startDate=2023-04-17T04:00:00.000Z, endDate=2023-04-28T10:00:00.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=WELCOME_GIFT, display=Latest Offer}]}, provider={alias=citibank, providerName=Citibank}, title=HK.BA.CITI0008.CITIBANKPAYROLLACCOUNT})

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HK$ Time Deposit: Up to 4.8% for Citigold bank account and Up to 5.0% for Citigold Private Client 

Foreign Currency Time Deposit: Up to 6%]}, productName=Citigold Account, title=HK.BA.CITI0008.CITIBANKPAYROLLACCOUNT, features={title=Features, pros=[Account Opening Offer - Up to HK$41,600 Cash Rebate
  Digital Channel Offer - HK$500 Cash Rebate
New customers, who successfully open a Citigold account through online appointment / a Citigold account through straight-through remote account opening solution and fulfill the following requirements, can enjoy below rewards:
 
    Requirements  Rewards  
    Successfully open a Citigold account through online appointment / a Citigold account through straight-through
remote account opening solution and fulfill New Funds Offer requirements
 
  HK$500 Cash Rebate  
 
 
  New Funds Offer - Up to HK$18,500 Cash Rebate
New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards:    New funds amount  Cash Rebate  
  ≥ HK$5,000,000  HK$18,500 Cash Rebate  
 ≥ HK$2,500,000  HK$10,000 Cash Rebate  
  ≥ HK$1,500,000  HK$6,000 Cash Rebate  
 
 
   
 
 Product Balance Offer - Up to HK$20,000 Cash Rebate
New customers who maintain designated investment products, life insurance plans and mortgage to can enjoy below rewards:   Designated Product Balance  Cash Rebate  
  ≥ HK$5,000,000  HK$20,000 Cash Rebate  
 ≥ HK$2,500,000  HK$12,000 Cash Rebate  
  ≥ HK$1,500,000  HK$6,000 Cash Rebate  
   ≥ HK$650,000  HK$2,600 Cash Rebate  
  
 
  Designated products include Mortgage, Designated Investment Products and Insurance Plans
 
 
  Payroll Account - Up to HK$800 Cash Rebate
New Citigold customers who deposit the specific paycheck can enjoy below rewards:
 
    Paycheck  Cash Rebate  
  ≥ HK$80,000  HK$800 Cash Rebate  
  ≥ HK$50,000  HK$500 Cash Rebate  
 ≥ HK$30,000  HK$300 Cash Rebate  
 
 
Annual Offer  - Up to HK$1,800 Cash Rebate
Maintain the below daily averge fund after opening the account for 12 consecutive months to enjoy:   Averge Daily Fund  Rewards  
  ≥ HK$2,500,000  HK$1,800 Cash Rebate  
  ≥ HK$1,500,000  HK$800 Cash Rebate  
 
 
 
, Mutual Fund 0% Subscription Fee Program  From now until March 31, 2024, clients with accounts newly opened since July 1, 2023 can enjoy 0% subscription fee for mutual funds transactions made via branches in Hong Kong
, Mortgage Offer - Extra HK$15,000 Cash Rebate  Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate
 Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.
 
, Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services, Time Deposit Offer 
  Enjoy Preferential Time Deposit rates of up to 5.0% p.a. for Citigold bank account and Up to 5.2% p.a. for Citigold Private Client  now by setting up HKD Time Deposit via Online Banking or Citi Mobile App
 USD Preferential Time Deposit Interest Rate up to 6% p.a.
, Investment Offer  Enjoy Citi’s Cost Price for every successful FX transaction via Citi Mobile^® App within the first 3 calendar months from account opening
 HK & US stock buy fee waiver for first 3 months; Enjoy the continuous HK stock buy fee waiver from the 4^th month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4^th month onward will be capped at HK$888 each month).
 No minimum brokerage fee for US stock
 Transfer HK/US/SH/SZ stock to earn up to HK$10,000 cash rewards
 

Stock Transfer In Offer - Up to HK$10,000 Cash Rebate
New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards:    New funds amount  Rewards  
  ≥ HK$5,000,000  HK$10,000 Cash Rebate  
  ≥ HK$3,000,000  HK$3,000 Cash Rebate  
  ≥ HK$1,000,000  HK$1,000 Cash Rebate  
  ≥ HK$500,000  HK$500 Cash Rebate  
 
 
  Cash Rebate amount will be determined by the total stock transfer-in value net of the total stock transfer-out value ("Total Stock Net Value") during the promotion period. The stock value is based on the multiple of the closing stock price on the last trading day of the corresponding successful transfer-in month and number of shares.
, Refer your friends now

 For 1 successful referral of Citigold Private Client account: HK$8,888 Cash Rebate for each referral
For 2 or above Successful Referrals: HK$10,888 Cash Rebate for each referral
 For every successful referral of Citigold account, HK$2,088 Cash Rebate for each referral 
For every successful referral of Citigold and Citi NextGen account, HK$2,888 Cash Rebate for each referral, Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are
Activate your Citibank Global Wallet with your Citibank Debit Mastercard® / Citibank Cirrus® ATM Card to enjoy the following benefits:  HK$0 charge by Citi for withdrawals at Citi ATMs;
 No extra charges on overseas and online purchases
 
, Customer Support24-hour Citigold Hotline
Citi Live Chat: supports text/audio/video chat
], cons=[Terms and conditions apply. All info and offers are subjected to Citibank's official website.
  The Promotion Period of Remote Account Opening and New Funds is from now until 31 October 2023
 
, MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months ("New Customer")., Fees You Need to Know    Item   Fees
  
  Service Fee  HK$300
(Average Daily Relationship Balance of HK$1,500,000: Waived)  
  Paper Statement Fee  HK$10/month  
  Account closed by customer within 6 months from the date of opening  HK$500  
  ATM Card Annual Fee  Free  
 
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height: 50px; width: 50%;\"><strong>Requirements</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>Rewards</strong></td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\"> <ul> <li>Successfully open a Citigold account through online appointment / a Citigold account through straight-through<br />remote account opening solution and fulfill New Funds Offer requirements</li> </ul> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500 Cash Rebate</td> </tr> </tbody> </table> <ul> <li><strong>New Funds Offer - Up to HK$18,500 Cash Rebate</strong><br />New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>New funds amount</strong></td> <td style=\"text-align: center; 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width: 357px; text-align: center;\"><strong>Paycheck</strong></td> <td style=\"text-align: center; height: 50px; width: 313px;\"><strong>Cash Rebate</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #ededed; width: 357px;\">&ge; HK$80,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; ; width: 313px;\">HK$800 Cash Rebate</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #ededed; height: 18px; width: 357px;\">&ge; HK$50,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;\">HK$500 Cash Rebate</td> </tr><tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #ededed; height: 18px; width: 357px;\">&ge; HK$30,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;\">HK$300 Cash Rebate</td> </tr> </tbody> </table><p><ul><li><strong>Annual Offer  - Up to HK$1,800 Cash Rebate</strong><br />Maintain the below daily averge fund after opening the account for 12 consecutive months to enjoy:<table style=\"width: 100%; height: 258px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>Averge Daily Fund</strong></td> <td style=\"text-align: center; height: 50px; width: 48.5317%;\"><strong>Rewards</strong></td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$2,500,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$1,800 Cash Rebate</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$1,500,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$800 Cash Rebate</td> </tr></tbody> </table> </li> </ul>","<strong>Mutual Fund 0% Subscription Fee Program</strong> <ul> <li>From now until March 31, 2024, clients with accounts newly opened since July 1, 2023 can enjoy 0% subscription fee for mutual funds transactions made via branches in Hong Kong</ul>","<strong>Mortgage Offer - Extra HK$15,000 Cash Rebate</strong> <ul> <li>Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate</li> <li>Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.</li> </ul>","<strong>Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services</strong>","<p><strong>Time Deposit Offer&nbsp;</strong></p> <ul> <li>Enjoy Preferential Time Deposit rates of up to 5.0% p.a. for Citigold bank account and Up to 5.2% p.a. for Citigold Private Client  now by setting up HKD Time Deposit via Online Banking or Citi Mobile App</li> <li>USD Preferential Time Deposit Interest Rate up to 6% p.a.</li></ul>","<strong>Investment Offer</strong> <ul> <li>Enjoy&nbsp;Citi&rsquo;s Cost Price&nbsp;for every successful FX transaction via Citi Mobile<sup>&reg;</sup>&nbsp;App within the first 3 calendar months from account opening</li> <li>HK &amp; US stock buy fee waiver for first 3 months; Enjoy the&nbsp;continuous HK stock buy fee waiver&nbsp;from the 4<sup>th</sup>&nbsp;month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4<sup>th</sup> month onward will be capped at HK$888 each month).</li> <li>No minimum brokerage fee for US stock</li> <li>Transfer HK/US/SH/SZ stock to earn up to HK$10,000 cash rewards</li> </ul><br/><ul><strong>Stock Transfer In Offer - Up to HK$10,000 Cash Rebate</strong><br />New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards: <table style=\"width: 100%; height: 258px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>New funds amount</strong></td> <td style=\"text-align: center; height: 50px; width: 48.5317%;\"><strong>Rewards</strong></td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$5,000,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$10,000 Cash Rebate</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$3,000,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$3,000 Cash Rebate</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 50%;\">&ge; HK$1,000,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;\">HK$1,000 Cash Rebate</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 50%;\">&ge; HK$500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;\">HK$500 Cash Rebate</td> </tr> </tbody> </table> </li> <li>Cash Rebate amount will be determined by the total stock transfer-in value net of the total stock transfer-out value (\"Total Stock Net Value\") during the promotion period. The stock value is based on the multiple of the closing stock price on the last trading day of the corresponding successful transfer-in month and number of shares.</ul>","<strong>Refer your friends now</strong> <ul> <li>For 1 successful referral of Citigold Private Client account: HK$8,888 Cash Rebate for each referral</li><ul><li>For 2 or above Successful Referrals: HK$10,888 Cash Rebate for each referral</li></ul> <li>For every successful referral of Citigold account, HK$2,088 Cash Rebate for each referral </li><ul><li>For every successful referral of Citigold and Citi NextGen account, HK$2,888 Cash Rebate for each referral","<strong>Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are</strong><br />Activate your Citibank Global Wallet with your Citibank Debit Mastercard&reg; / Citibank Cirrus&reg; ATM Card to enjoy the following benefits: <ul> <li>HK$0 charge by Citi for withdrawals at Citi ATMs;</li> <li>No extra charges on overseas and online purchases</li> </ul>","<strong>Customer Support</strong><ul><li>24-hour Citigold Hotline</li><li>Citi Live Chat: supports text/audio/video chat</li></ul>"],"cons":["<p>Terms and conditions apply. All info and offers are subjected to Citibank's official website.</p> <ul> <li>The Promotion Period of Remote Account Opening and New Funds is from now until 31 October 2023</li> </ul>","MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months (\"New Customer\").","<strong>Fees You Need to Know</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50 px; width: 40%;\"><strong>Item</strong></td> <td style=\"text-align: center; height: 50px;\"> <p><strong>Fees</strong></p> </td> </tr> <tr style=\"height: 51px;\"> <td style=\"height: 51px; text-align: left;\">Service Fee</td> <td style=\"text-align: center;\">HK$300<br />(Average Daily Relationship Balance of HK$1,500,000: Waived)</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Paper Statement Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$10/month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Account closed by customer within 6 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">ATM Card Annual Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">Free</td> </tr> </tbody> </table>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1500000","description":{"shortDescription":"HK$1,500,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1672893168280, hs_is_edited=false, hs_deleted_at=0, productname=Citigold Account, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={show_banner=true, display_within_collapsible=true, show_promotional_in_card=true}, static_text={see_more=See more, see_less=See less, cta_button_label=Apply Now, cta_button_subtext=, rewards=獎勵, yes=Yes, no=No, day=Day, days=Days}, style={primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=default, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, tabs={show=true, features={show=true, expanded=true, order_sequence=1, heading=Features}, promotions_terms_and_conditions={show=true, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, fees={show=true, expanded=false, order_sequence=1, heading=Fees, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, eligibility={show=true, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}, usage={show=true, expanded=false, order_sequence=1, heading=Usage, labels=[]}}, type=module})


null


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height: 50px; width: 50%;\"><strong>Requirements</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>Rewards</strong></td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\"> <ul> <li>Successfully open a Citigold account through online appointment / a Citigold account through straight-through<br />remote account opening solution and fulfill New Funds Offer requirements</li> </ul> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500 Cash Rebate</td> </tr> </tbody> </table> <ul> <li><strong>New Funds Offer - Up to HK$18,500 Cash Rebate</strong><br />New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>New funds amount</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>Cash Rebate</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #ededed;\">&ge; HK$5,000,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$18,500 Cash Rebate</td> </tr><tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\">&ge; HK$2,500,000 </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$10,000 Cash Rebate</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\">&ge; HK$1,500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$6,000 Cash Rebate</td> </tr> </tbody> </table> <ul>  </ul> </li> <li><strong>Product Balance Offer - Up to HK$20,000 Cash Rebate</strong><br />New customers who maintain designated investment products, life insurance plans and mortgage to can enjoy below rewards:<table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>Designated Product Balance</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>Cash Rebate</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #ededed;\">&ge; HK$5,000,000 </td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$20,000 Cash Rebate</td> </tr><tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\">&ge; HK$2,500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$12,000 Cash Rebate</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\">&ge; HK$1,500,000 </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$6,000 Cash Rebate</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed;\"> &ge; HK$650,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$2,600 Cash Rebate</td> </tr>  </tbody> </table> <ul> <li>Designated products include Mortgage, Designated Investment Products and Insurance Plans</li> </ul> </li> <li><strong> Payroll Account - Up to HK$800 Cash Rebate</strong><br />New Citigold customers who deposit the specific paycheck can enjoy below rewards:</li> </ul> <table> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 357px; text-align: center;\"><strong>Paycheck</strong></td> <td style=\"text-align: center; height: 50px; width: 313px;\"><strong>Cash Rebate</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #ededed; width: 357px;\">&ge; HK$80,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; ; width: 313px;\">HK$800 Cash Rebate</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #ededed; height: 18px; width: 357px;\">&ge; HK$50,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;\">HK$500 Cash Rebate</td> </tr><tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #ededed; height: 18px; width: 357px;\">&ge; HK$30,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; height: 50px; width: 313px;\">HK$300 Cash Rebate</td> </tr> </tbody> </table><p><ul><li><strong>Annual Offer  - Up to HK$1,800 Cash Rebate</strong><br />Maintain the below daily averge fund after opening the account for 12 consecutive months to enjoy:<table style=\"width: 100%; height: 258px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>Averge Daily Fund</strong></td> <td style=\"text-align: center; height: 50px; width: 48.5317%;\"><strong>Rewards</strong></td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$2,500,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$1,800 Cash Rebate</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$1,500,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$800 Cash Rebate</td> </tr></tbody> </table> </li> </ul>","<strong>Mutual Fund 0% Subscription Fee Program</strong> <ul> <li>From now until March 31, 2024, clients with accounts newly opened since July 1, 2023 can enjoy 0% subscription fee for mutual funds transactions made via branches in Hong Kong</ul>","<strong>Mortgage Offer - Extra HK$15,000 Cash Rebate</strong> <ul> <li>Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate</li> <li>Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.</li> </ul>","<strong>Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services</strong>","<p><strong>Time Deposit Offer&nbsp;</strong></p> <ul> <li>Enjoy Preferential Time Deposit rates of up to 5.0% p.a. for Citigold bank account and Up to 5.2% p.a. for Citigold Private Client  now by setting up HKD Time Deposit via Online Banking or Citi Mobile App</li> <li>USD Preferential Time Deposit Interest Rate up to 6% p.a.</li></ul>","<strong>Investment Offer</strong> <ul> <li>Enjoy&nbsp;Citi&rsquo;s Cost Price&nbsp;for every successful FX transaction via Citi Mobile<sup>&reg;</sup>&nbsp;App within the first 3 calendar months from account opening</li> <li>HK &amp; US stock buy fee waiver for first 3 months; Enjoy the&nbsp;continuous HK stock buy fee waiver&nbsp;from the 4<sup>th</sup>&nbsp;month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4<sup>th</sup> month onward will be capped at HK$888 each month).</li> <li>No minimum brokerage fee for US stock</li> <li>Transfer HK/US/SH/SZ stock to earn up to HK$10,000 cash rewards</li> </ul><br/><ul><strong>Stock Transfer In Offer - Up to HK$10,000 Cash Rebate</strong><br />New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards: <table style=\"width: 100%; height: 258px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 50%; text-align: center;\"><strong>New funds amount</strong></td> <td style=\"text-align: center; height: 50px; width: 48.5317%;\"><strong>Rewards</strong></td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$5,000,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$10,000 Cash Rebate</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #ededed; width: 50%; height: 54px;\">&ge; HK$3,000,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 48.5317%; height: 54px;\">HK$3,000 Cash Rebate</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 50%;\">&ge; HK$1,000,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;\">HK$1,000 Cash Rebate</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 50%;\">&ge; HK$500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 48.5317%;\">HK$500 Cash Rebate</td> </tr> </tbody> </table> </li> <li>Cash Rebate amount will be determined by the total stock transfer-in value net of the total stock transfer-out value (\"Total Stock Net Value\") during the promotion period. The stock value is based on the multiple of the closing stock price on the last trading day of the corresponding successful transfer-in month and number of shares.</ul>","<strong>Refer your friends now</strong> <ul> <li>For 1 successful referral of Citigold Private Client account: HK$8,888 Cash Rebate for each referral</li><ul><li>For 2 or above Successful Referrals: HK$10,888 Cash Rebate for each referral</li></ul> <li>For every successful referral of Citigold account, HK$2,088 Cash Rebate for each referral </li><ul><li>For every successful referral of Citigold and Citi NextGen account, HK$2,888 Cash Rebate for each referral","<strong>Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are</strong><br />Activate your Citibank Global Wallet with your Citibank Debit Mastercard&reg; / Citibank Cirrus&reg; ATM Card to enjoy the following benefits: <ul> <li>HK$0 charge by Citi for withdrawals at Citi ATMs;</li> <li>No extra charges on overseas and online purchases</li> </ul>","<strong>Customer Support</strong><ul><li>24-hour Citigold Hotline</li><li>Citi Live Chat: supports text/audio/video chat</li></ul>"],"cons":["<p>Terms and conditions apply. All info and offers are subjected to Citibank's official website.</p> <ul> <li>The Promotion Period of Remote Account Opening and New Funds is from now until 31 October 2023</li> </ul>","MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months (\"New Customer\").","<strong>Fees You Need to Know</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50 px; width: 40%;\"><strong>Item</strong></td> <td style=\"text-align: center; height: 50px;\"> <p><strong>Fees</strong></p> </td> </tr> <tr style=\"height: 51px;\"> <td style=\"height: 51px; text-align: left;\">Service Fee</td> <td style=\"text-align: center;\">HK$300<br />(Average Daily Relationship Balance of HK$1,500,000: Waived)</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Paper Statement Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$10/month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Account closed by customer within 6 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">ATM Card Annual Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">Free</td> </tr> </tbody> </table>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1500000","description":{"shortDescription":"HK$1,500,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1672893168280, hs_is_edited=false, hs_deleted_at=0, productname=Citigold Account, hs_name=, hs_updated_by_user_id=60412388}, id=59168070112, table_id=4701663, table_name=product_moneyhero})

DBS - DBS Treasures

Initial deposit: HK$1,000,000

Account service fee: HK$200/month

Service fee waiver requirement: Total monthly relationship balance of HK$1,000,000 or above

Welcome offers: (until 31 October 2023)

Maintaining a monthly total relationship balance (excluding any time deposits) of HK$1,000,000 or above for a designated period, completing designated transactions, and downloading and logging in to DBS digibank HK app successfully to enjoy the following rewards:

Offer	Requirement	Reward
New Funds Reward	Monthly total relationship balance of HK$1,000,000 or above	5.1% Total Savings Interest Rate
Payroll Reward	Receiving payroll in designated HKD Current & Savings Payroll Account	HK$800
ATM Card Reward	Successfully applying for DBS ATM Card or DBS Octopus ATM Card and completing a transaction on local or overseas retail spending in HKD or any foreign currency or reloading amount by Octopus Automatic Add Value Service with the card	HK$200
New Customer Reward	New to DBS or an existing DBS Credit Card Customer who joins DBS Treasures, setting up Wealth Management Accounts and completing Financial Needs analysis	HK$200
Overseas Transfer Reward	Successfully performing a designated online overseas transfer transaction of HK$10,000 (or its equivalent) or above	HK$400
Product Balance Reward	Maintaining designated insurance balance	HK$3,000
Investment Funds Transfer-in Reward	HK$200,000 or above	Up to HK$20,000 (HK$400 for every HK$100,000 transfer-in)
Investment Transaction Reward	HK$100,000 or above	Up to HK$12,000 (HK$200 for every HK$100,000 investment transaction)

BEA SupremeGold

Initial deposit: HK$500,000

Account service fee: HK$200/month

Service fee waiver requirement:

Average daily relationship balance of HK$500,000 or above; or
Average daily investment balance of HK$300,000 or above; or
Aggregate payroll amount in preceding month of HK$60,000 or above; or
Aggregate mortgage loan drawdown amount of HK$3,000,000 or above; or
Aggregate annual premium for AIA’s life insurance policy of HK$100,000 or above

Welcome offers: (until 31 December 2023)

Initial funds	Credit card free spending credit
Initial funds	New-to-bank customers	Upgraded customers
First HK$500,000	HK$1,000	HK$500
Every additional HK$500,000	HK$500 (total of up to HK$3,500)	NIL

Offer	Requirement	Reward
Auto-payroll Rewards	Arranging auto-payroll	1.5% p.a. Bonus Interest Rate and HK$200 cash reward
Mobile Banking Rewards	First time logging in to the mobile banking	HK$100 cash reward
Mobile Banking Rewards	Completing one transfer through "Transfers" function	HK$50 cash reward
Branch Exclusive Reward (exclusive to new-to-bank customers)	Opening the account through a BEA branch and deposit designated initial funds and fulfill the account opening requirements within the first 2 weeks	Plaza Premium First Hong Kong Airport Lounge vouchers for two
Investment Balance Reward (exclusive to new-to-bank customers)	Designated investment product balance ≥ HK$200,000	HK$2,000 credit card free spending credit
Investment Rewards	Opening an investment account and completing designated investment product transactions	Up to HK$400 cash reward
Investment Transaction Reward	Activation: accumulated designated investment transactions ≥ HK$100,000	HK$500 credit card free spending credit
Investment Transaction Reward	Transaction: accumulated designated investment transactions of every HK$500,000	HK$500 credit card free spending credit (Up to HK$5,000)

Other rewards:

HK$0 brokerage fee for trading local securities and A-shares through electronic channels for 3 months
Exclusive first-time fund subscription fee as low as 0.88%
Preferential time deposit rate for HKD time deposit

Linked credit card: BEA SupremeGold World Mastercard

BOC Wealth Management

Initial deposit: HK$1,000,000

Account service fee: NIL

Welcome offers: (until 31 December 2023)

Total relationship balance growth amount	Credit card free spending credit
HK$5,000,000 to <HK$8,000,000	HK$3,200
HK$3,000,000 to < HK$5,000,000	HK$1,200
HK$1,000,000 to < HK$3,000,000	HK$700

Rewards for new to payroll customers:

Registering and using payroll account, and completing two designated transactions on mobile: free spending credit of HK$600
Rewards of foreign exchange via mobile: $600 cash reward for accumulated foreign exchange amount of HK$500,000 to below HK$1,500,000; $2,300 for HK$1,500,000 or above
New/existing securities account buying and selling HK stocks, A shares and US stocks: HK$0 brokerage fee for 6 months
0% fund subscription fee for first subscription made via Smart Invest and HK$100 for new customers

Other rewards:

Depositing HK stocks or A shares via CCASS: up to $4,000 cash reward
Preferential rates for HKD savings for 100 days for new customers

Linked credit card: BOC Cheers Card Visa Infinite

HSBC Premier

Initial deposit: HK$1,000,000

Account service fee: HK$380/month

Service fee waiver requirement: Total relationship balance of HK$1,000,000 or above (6-month below-balance-fee waiver)

Welcome offers: (until 30 December 2023)

Total Relationship Balance	Reward
HK$1,000,000 or above	Up to HK$800 cash reward

New funds	Reward
HK$8,000,000 or above	Up to HK$17,500 cash reward
HK$3,000,000 to below HK$8,000,000	Up to HK$8,500 cash reward
HK$1,000,000 to below HK$3,000,000	Up to HK$5,300 cash reward

Offer	Requirement	Reward
Wealth management products take-up offer	Taking up designated products with an accumulated value of HK$300,000 or above	Up to HK$2,500 cash reward
Stocks transfer-in/deposit offer	Transferring in or depositing Hong Kong stocks, China A shares and US stocks	0.2% cash rebate (up to HK$5,000)
Selected insurance product take-up offer	Accumulated Annualised New Premium of HK$100,000 or above	Up to HK$5,000 cash reward
Auto payroll offer	Setting up a monthly auto payroll	Up to HK$1,200
Online upgrade offer	Existing customers who successfully upgrade via Personal Internet Banking or HSBC HK App	HK$700
Mobile account opening offer	New customers who successfully open account via HSBC HK App	HK$700
Bond subscription offer	Subscribing for any bonds of HK$500,000 or above	HK$1,250 cash rebate for every HK$500,000

Linked credit card: HSBC Premier Mastercard

Standard Chartered Priority Banking

Eligibility:

New clients:

Minimum average daily relationship balance HK$1,000,000 or above; or
Mortgage outstanding amount of HK$5,000,000 or above; or
Minimum monthly salary of HK$80,000 or above

Account service fee: HK$900/quarter

Service fee waiver requirement: Total relationship balance of HK$1,000,000 or above

Welcome offers: (until 31 Dec 2023)

New clients welcome offers:

New funds amount

Reward

First HK$1,000,000

HK$4,000 cash rebate or 40,000 Asia Miles

HK$2,000,000 to HK$7,000,000

Extra HK$3,000 or 30,000 Asia Miles for every HK$1,000,000

(up to HK$22,000 or 220,000 Asia Miles)

Offer	Requirement	Reward
SC Mobile Account Opening reward	Signing up for Priority Banking via SC Mobile	HK$500 cash rebate or 5,000 Asia Miles
Payroll Account offer	Opening a Payroll Account	Up to HK$1,200 cash rebate

Existing clients upgrade offers:

New funds amount

Reward

First HK$500,000

HK$1,500 cash rebate or 15,000 Asia Miles

HK$1,000,000 to HK$5,000,000

Extra $1,000 or 10,000 Asia Miles for every HK$500,000

(up to HK$10,500 or 100,500 Asia Miles)

Offer	Requirement	Reward
Online Upgrade reward	Upgrading to Priority Banking online	HK$300 cash rebate or 3,000 Asia Miles
Payroll Account offer	Opening a Payroll Account	Up to HK$1,200 cash rebate

Linked credit card: Standard Chartered Priority Banking Credit Card or Standard Chartered Cathay Mastercard – Priority Banking

Dah Sing Bank VIP Banking

Initial deposit: HK$1,000,000

Account service fee: HK$200/month

Service fee waiver requirement: Total relationship balance of HK$1,000,000 or above

Welcome offers: (until 31 December 2023) ：

Account balance	Reward
HK$8,000,000 or above	HK$8,000
HK$5,000,000 to below HK$8,000,000	HK$5,000
HK$3,000,000 to below HK$5,000,000	HK$3,000
HK$1,000,000 to below HK$3,000,000	HK$1,000

Other offers:

Offer	Requirement	Reward
e-Express Account opening reward	Opening a sole name VIP i-Account via "e-Express Bank Account Application"	HK$300 cash rebate
Designated banking services reward	Taking up or holding at least 5 designated banking services	HK$600 cash rebate
Product balance reward	Maintaining a total investment balance of HK$500,000 or above	HK$800 cash rebate (up to $3,000)
USD transactions reward	Completing designated USD transactions	HK$400 cash rebate
Investment services reward	Enrolling in any of the designated investment services with accumulated amount of HK$300,000 or above	HK$300 cash rebate (up to HK$3,500)
Investment fund transfer-in reward	Transferring in specified amount of investment fund	Up to HK$12,000 cash reward
PowerWealth Flexi Financing Service reward	Successfully applying for PowerWealth Flexi Financing Service during the designated period	HK$200 cash rebate

Linked credit card: Dah Sing VIP Banking Visa Infinite Card

Hang Seng Bank Prestige Banking

Initial deposit: HK$1,000,000

Account service fee: up to HK$340/month

Service fee waiver requirement: Total relationship balance of HK$1,000,000 or above

If below HK$1,000,000 service fee will be HK$40;
If below HK$500,000, service fee will be HK$340

Welcome offers (until 31 December 2023):

Monthly account fee waiver for the first 6 months
Fulfilling the designated growth amount for Total Relationship Balance and registering for Hang Seng Personal e-Banking and completing Risk Profile Questionnaire to enjoy:

“Total Relationship Balance” Growth Amount	Amount of Cash Reward
“Total Relationship Balance” Growth Amount	With valid Investment Accounts	Without valid Investment Accounts
HK$5,000,000 or above	HK$23,500	HK$23,000
HK3,000,000 – HK$4,999,999	HK$12,000	HK$11,500
HK1,000,000 – HK$2,999,999	HK$6,000	HK$5,500
HK$100,000 – HK$999,999	HK$500	HK$500

Offer	Requirement	Reward
Mobile account opening / upgrade reward	Opening/upgrading to Prestige Banking through Hang Seng Personal Banking mobile app/Hang Seng Personal e-Banking	HK$300 cash reward
Payroll service reward	Setting up payroll service via a newly opened/upgraded Prestige Banking account	Up to HK$1,400 cash reward
New fund deposit reward	Depositing new funds in designated deposit accounts	Up to HK$1,300 cash reward
Subscription of investment products reward	Subscribing for investment products with accumulated amount of HK$500,000 or above	HK$500 cash reward (up to HK$14,000)
Transfer-in investment fund units offer	Transfer-in eligible investment fund units to the Bank with accumulated investment of HK$200,000 or above	HK$200,000 to less than HK$500,000: HK$300 HK$500,000 or above: HK$400 (no upper limit)
Fund subscription fee offer	Opening an Investment Fund account under Prestige Integrated Account	0% fund subscription fee
New securities account offer	Opening new securities account	Unlimited $0 brokerage fee for trading HK stocks/A-shares/US stocks via online trading channels in first 3 month
New securities account offer	Depositing HK stocks into new securities account	HKD400 cash reward for every accumulated market value of HK$300,000 (up to HK$6,000)

Linked credit card: Hang Seng Prestige World Mastercard

Benefits of a Premium Bank Account

There is a common perception that premium bank account services are generally targeted towards executives and business owners with large incomes. However, there are currently quite a few different premium bank account applications and upgrade requirements. In addition to preferential deposit rates and discounted or waived bank service fees, banks offer a dedicated manager/financial team for its premier banking clients. Clients have a direct line of contact to an attentive relationship manager who will see to any financial inquiry the client may have. He or she may also connect clients to financial experts who will not only explain and give expert analyses regarding general stocks, foreign exchange, funds and other mainstream products, but also advise on more niche products like commodity futures, bond investments, etc.

Premium accounts also offer better returns on the management of one’s own funds. Simply put, interest rates on time deposits are higher. When taking out a loan, clients may be eligible for a lower interest rate and a higher loan amount，especially with tax loans. The brokerage fee is lower than that for customers with regular bank accounts. If a large deposit/investment is mobilized as an injection of new funds, there will be even more generous annual interest rates, cash rebates and/or airmiles. Of course, clients would be entitled to a lot of welcome offers, too!

Speaking of credit cards, many banks will also issue a premium credit card to account holders and offer a permanent waiver of the annual credit card fee. There are generally more credit card perks with premium cards generally have more benefits, such as dedicated customer support phone lines, access to special events, multiple times more of reward points, travel insurance and free airport lounge access.

Premium Bank Account Welcome Offers

For the average wage earner, premium bank account welcome offers may not be as lavish as applying for a payroll account or credit cards. This is due to the fact that most customers start as basic account holders with large, established banks who are gradually upgraded as their income and wealth grow. However, some small and medium-sized banks or newcomers pursuing new customers will often leverage generous welcome incentives as a key promotional tactic. In such instances, expect to see steeper discounts or larger cash rebates on new fund infusions, purchase of wealth management products, investment plans, and different insurances.

Visit MoneyHero’s Blog for more money saving tips and financial advice. Don’t forget to follow our Facebook Page for more useful news and deals!

Requirements	Rewards
Successfully open a Citigold account through online appointment / a Citigold account through straight-through remote account opening solution and fulfill New Funds Offer requirements	HK$500 Cash Rebate

Paycheck	Cash Rebate
≥ HK$80,000	HK$800 Cash Rebate
≥ HK$50,000	HK$500 Cash Rebate
≥ HK$30,000	HK$300 Cash Rebate

Averge Daily Fund	Rewards
≥ HK$2,500,000	HK$1,800 Cash Rebate
≥ HK$1,500,000	HK$800 Cash Rebate

Item	Fees
Service Fee	HK$300 (Average Daily Relationship Balance of HK$1,500,000: Waived)
Paper Statement Fee	HK$10/month
Account closed by customer within 6 months from the date of opening	HK$500
ATM Card Annual Fee	Free

8 Major Premium Banking Services Comparison: fees, offers & requirements

moneyhero

Comparing Premium Accounts offered by Major Banks in Hong Kong

CITIBANK - Citigold

Citigold Account

Min. Opening Balance

HK$ Time Deposit Rate

Welcome Offers

獎勵

BEA SupremeGold

BOC Wealth Management

HSBC Premier

Standard Chartered Priority Banking

Dah Sing Bank VIP Banking

Hang Seng Bank Prestige Banking

Benefits of a Premium Bank Account

Premium Bank Account Welcome Offers

moneyhero

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Financial Products, Money Management Hot Talk, Investment Knowledge Subscribe to the MoneyHero e-newsletter now to see the latest financial news and exclusive offers

Financial Products, Money Management Hot Talk, Investment Knowledge Subscribe to the MoneyHero e-newsletter now to see the latest financial news and exclusive offers

Financial Products, Money Management Hot Talk, Investment Knowledge
Subscribe to the MoneyHero e-newsletter now to see the latest financial news and exclusive offers

Financial Products, Money Management Hot Talk, Investment Knowledge
Subscribe to the MoneyHero e-newsletter now to see the latest financial news and exclusive offers