Premier Banking Accounts

• Deposit eligible new funds to enjoy up to 5.9% Total Savings Interest Rate*
• Trade across 8 global markets (including HK, US and Japan stocks) with 0% brokerage fees and the newly launched stock investing WhatsApp chatbot, DBS EASY, making it easier for you to keep up with the markets
• 0% subscription fee for the online investment fund trade
• Open an account with the DBS digbank HK app in just around 10 minutes, complete the entire process on your mobile phone.
• Apply DBS UnionPay Diamond Debit Card for free: exchange 14 popular currencies effortlessly and spend later with no transaction fees
• DBS digibank HK app comes with equity scores assessed by DBS analysts based on 7 key assessment metrics.
• For details, please visit: https://bit.ly/3YVk4J1
• *Total Savings Interest Rate includes e$aver Interest Rate and Basic Savings Interest Rate. Basic Savings Interest Rate is subject to revision in light of prevailing market conditions. The Bank has the right to adjust the annual interest rate of the basic savings deposit according to the prevailing market conditions. The annual interest rate of the basic savings deposit is not guaranteed. The Bank reserves the right to adjust the annual interest rate of the basic savings deposit from time to time and at any time for any reason without prior notice or giving any reason. For the latest Hong Kong dollar basic savings deposit annual interest rate details, please refer to https://www.dbs.com.hk/personal/ratesfees-tiered.page .

• Important fee:
• Fees You Need to Know
  • Service Fee: Waived
  • Paper Statement Fee: HK$60 on each account/Year
  • ATM Card Annual Fee: Free 

Features:

• One-stop security settings on Hang Seng Mobile App
  • New "Settings & Security" interface provides you with security support
  • Adjust various transfer limits anytime
  • Manage various credit card security options easily
  • Enhanced mobile app security measures to safeguard your account

Key Features of Airwallex Business Account

• Account opening made easy
  • Customers can complete the Airwallex account opening process online without physically leaving Hong Kong or filling out a large number of documents. Compared to traditional banks, opening local currency accounts in Europe, the United States, Australia, the United Kingdom, and other places in Airwallex is much easier, which saves you much time in opening local and foreign currency accounts making it so much more efficient.
• Low transaction costs and real-time settlement
  • Airwallex uses a high-speed global payment network to exchange foreign currency in real-time at interbank exchange rates, which is unaffected by weekends and public holidays. This allows merchants to enjoy attractive exchange rates with no sign up nor monthly fees. The service supports more than 26 foreign currencies, including US dollars, Euros, Australian dollars, and Pounds. Clients can transfer funds to more than 150+ countries and regions, and can conduct 100 foreign exchange transactions in one go.
• Improved efficiency
  • Airwallex automatically synchronizes your multi-currency transactions to Xero, ensuring real-time updates of your company's accounts. In addition, Airwallex links your payment accounts to Amazon, eBay, Shopify, and PayPal, making management easier.
• Setting Up Employee’s Visa Cards Online
  • Airwallex allows merchants to instantly issue Airwallex Visa cards for employees online, making it easy for employees to use Apple Pay to pay for the company's expenses. Merchants can also set restrictions on currency, spending limits, and accounts that can be used for payments. Through Airwallex's multi-currency Visa card, merchants can directly pay for expenses such as paying advertising costs in USD and SaaS online subscription service. In this way, merchants can save up to 90% fees on foreign exchange and overseas transactions. Earn up to 1.1% cash back on local and overseas transactions with the Airwallex Visa card.

• New clients can earn up to HKD32,000 cash rebate by signing up for Priority Banking
• Backed by our CIO team’s house views, myWealth is here to help conduct portfolio health check and re-evaluate your asset allocation — tailoring your portfolio to your needs.
• Our CIO team hand-picks funds based on market insights catering to diverse client needs and adjusts asset allocations accordingly. New clients can enjoy 0% online subscription fee for investment fund trades.
• Join the first-in-market FX membership program to enjoy exclusive rates and up to HKD18,888 cash rewards!
• New Clients sign up for Priority Banking via SC Mobile App to enjoy extra HKD500 cash rebate.
• Fees:
  • Monthly service fee: HK$900 per quarter (to be waived if the average daily relationship balance in the past 3 months is HK$1,000,000)
  • ATM Card annual fee: Free
  • Lost/stolen ATM Card replacement: Free for Priority Banking Customers
  • Withdrawal fee at local JETCO network: Free
  • Withdrawal fee at overseas JETCO network: HK$28 per transaction
  • Withdrawal fee at UnionPay network: HK$15 per transaction
  • Account closure within 3 months since account opening: HK$200

• Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

  • Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
    • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
  • HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
  • HK$6 = 1 Asia Mile for eligible spending on other categories
  10% discount on Asia Miles Awards redemption
  • Hotel, Car Rental and Experience Awards;
  • Dining awards or settle bill with miles; and
  • Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
  Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
  First-year annual fee waiver
  • New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

Account opening reward up to HK$82,000 

Limited-time New fund offer  

• New customer is required to open a Citigold account during the Promotion Period and fulfill designated requirements may enjoy up to HK$30,000 cash rebate.
• New customers who fund in the designated new funds amount specified below within 30 calendar days upon account opening can enjoy HK$2,000 cash rebate

Investment offer

• New Citigold customer is required to fulfill “Designated Investment Product(s) Balance” may enjoy up to HK$42,000 cash rebate
• Transfer in designated investment product could be counted towards the required Designated Investment Balance Requirements in Investment Offer

Other Product Balance Offer

• New customers open a Citigold account during promotion and completion of actions in the below clause on or before July 31,2026 can enjoy up to HK$5,000 cash rebate:

1. Fulfill all the requirements stated in respective banking account’s New Funds Offer and sign the fund maintenance agreement; and

2. Fulfill either one of the following actions during the date specified below and maintain the mortgage loan or designated insurance balance during the entire promotion and fulfillment period.
   ▪ Successfully draw down a mortgage loan from the Bank; OR
   ▪ Purchase AIA life insurance plan plans (including both basic plans and riders) through the Bank, with such plans being in-force status with the first-year premium amount of no less than HK$500,000 for Citigold

Engagement Offer

• To be entitled to the Engagement Offer, a new customer is required to open a Citigold account during the Promotion Period and fulfill the following requirements:

  • Fulfill the requirements stated in respective banking account's New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
  • Complete the below action items and maintain the status till the fulfillment period
  1. Complete Investment Risk Profile Questionnaire; and
  2. Activate debit card

Professional Investor sign-up offer

• New customers open a Citigold account and maintain any Designated Investment Product balance during Hold Designated Investment Product Balance Period can enjoy HK$2,000 cash rebate.

Limited Time Deposit Offer 

• Enjoy Preferential HKD Time Deposit rates of up to 3.5% p.a. USD Time Deposit rates of up to 4% p.a. and RMB Time Deposit rates of up to 1.3% p.a. for new Citigold customers. (until November 22, 2025)
  From Nov 1 to 30, 2025, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1.5% Time-deposit top up rebate*!

Exclusive Time Deposit Offer for Credit Card Customers

• From Nov 1 to 30, 2025, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1.5% Time-deposit top up rebate*!

• +Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of December 31, 2025 and the application of Citi credit card submitted on or before banking account opening date.
• *1.5% p.a. Exclusive Time Deposit Top-Up Rebate refers to 3-month time deposit in HKD, USD or RMB or 6-month time deposit in HKD. The aggregate principal amount of Eligible Time Deposit set up is capped at HK$2,000,000 equivalent for Citigold clients. 

Customer Support 

• 24-hour Citigold Hotline
• Citi Live Chat: supports text/audio/video chat

Terms and conditions apply. All info and offers are subjected to Citibank's official website.

Fees You Need to Know

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

All offers are not applicable to the following customers:

1. existing banking clients of Citibank (Hong Kong) Limited and / or Citibank, N. A. (Citibank, N.A., organized under the laws of U.S.A. with limited liability) (collectively, “the Bank”) ; OR
2. clients who had a banking relationship with the Bank during the previous 12 months prior to the account opening month; OR
3. clients who had a Citigold Private Client/Citigold banking relationship with the Bank during the previous 36 months prior to the account opening month. 

Investment involves risk.

Foreign exchange involves exchange rate risk.

Terms and conditions apply. Please refer to Citi Hong Kong's website for details.

• Account Opening process

1. Download the PAObank App from the App Store, Google Play, Huawei AppGallery or by scanning the QR code
2. Click on "Open account" to start the account opening process
3. Supports Hong Kong Identity Card or Mainland Resident Indentity Card
4. Enter referral code: PAOBMH
5. Identity Verification→Enter Personal Information→Confirm Terms and Conditions
6. Follow instruction to take selfie for biometric indentification
7. Done  

Savings Account

• Support HKD/USD/CNY, manage your savings flexibly and enjoy a preferential annual interest rate  
• HKD/USD/CNY are all protected by the Deposit Protection Scheme, with a maximum coverage of HK$800,000 
• Transfer funds from your account INSTANTLY at your fingertips 
• Protect your savings with PAObank 'Money Safe' anti-fraud measures

Time Deposit

•  Place your Time Deposit with a low threshold and easily enjoy stable interest returns
• Support HKD/USD/CNY, securing an exceptionally high annual interest rate
• Enjoy flexible fixed-term options from 1 to 12 months - designed to fit your financial needs
• 24 X 7 time deposits anytime, anywhere

• Account Opening process

1. Download the PAObank App from the App Store, Google Play, Huawei AppGallery or by scanning the QR code
2. Click on "Open account" to start the account opening process
3. Supports Hong Kong Identity Card or Mainland Resident Indentity Card
4. Enter referral code: PAOBMH
5. Identity Verification→Enter Personal Information→Confirm Terms and Conditions
6. Follow instruction to take selfie for biometric indentification
7. Done  

Savings Account

• Support HKD/USD/CNY, manage your savings flexibly and enjoy a preferential annual interest rate  
• HKD/USD/CNY are all protected by the Deposit Protection Scheme, with a maximum coverage of HK$800,000 
• Transfer funds from your account INSTANTLY at your fingertips 
• Protect your savings with PAObank 'Money Safe' anti-fraud measures

Time Deposit

•  Place your Time Deposit with a low threshold and easily enjoy stable interest returns
• Support HKD/USD/CNY, securing an exceptionally high annual interest rate
• Enjoy flexible fixed-term options from 1 to 12 months - designed to fit your financial needs
• 24 X 7 time deposits anytime, anywhere