All Banking Accounts

• Rewards Go! 
  • Check-in in inMotion’s Personalized Rewards Platform after opening account and complete banking missions to earn cash rewards.
• Welcome Offer - Up to 10% Foreign Currency Spending Cash Rebate 
  • From 3 July 2024 to 2 January 2025, New Cardmembers who successfully apply for CNCBI Motion Credit Card can enjoy 10% Cash Rebate on spending in foreign currency (up to HK$1,000 rebate) or HK$600 Cash Rebate.
  • Year-round offer of 6% Cash Rebate(up to $200 monthly) on dining and online spending. No register is needed. Rebate automatically to card account monthly.
  • Perpetual Annual Fee Waiver
• Saving Offers
  • From 1 July to 30 July 2024 8 p.m., Register for MONOPOLY Deposit can enjoy interest rate of up to 7.28% p.a..
  • Online USD exclusive time deposit rate up to 4.70% p.a.
• Investment Offers
  • Get “Lifetime Stock Purchases Fee Waiver” through inMotion "Reward Go!"
  • Up to 5% Cash Rebate for Eligible inMotion FX Transactions
  • Up to HK$8,800 Investment Fund Subscription Fee Rebate
  • $0 Advisory Service Fee Offer for Robo 360
• Remarks
  • Terms and conditions apply.
  • Up to HK$800 welcome reward: From 1 July to 31 July 2024 (both dates inclusive), CNCBI new customer who successfully open the bank account and fulfill the designated requirements.This promotion is for new customers only, which refer to the customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the "Bank" within the preceding 12 months. CITICfirst, CITICdiamond and Private Banking customers are not applicable to the offer. New customers are required to complete the relevant requirements during the designated date. Terms and conditions apply, please click HERE for details.
  • Spring Thankful Draw: Terms and conditions apply, please click HERE for details.
  • Monopoly Deposit Savings Offers: Customers should register Monopoly Deposit and the eligible new fund should at least reach the requirement of HK$10,000 once on any business day during the Registration Period to enjoy Monopoly bonus interest rate.The maximum eligible new fund to be entitled to the Bonus Interest Rate during the Promotion Period is HK$ 20,000,000. Savings Interest Rate of 7.28% includes the Bonus Interest Rate and Prevailing Savings Rate. As of 1 July 2024, the Bank’s HKD Prevailing Savings Rate is 0.875%. The Bonus Interest Rate and Prevailing Savings Rate quoted above are indicative and for reference only, and may change from time to time at the Bank’s sole and absolute discretion. Terms and Conditions apply.
  • Time Deposit: The above preferential interest rate is quoted as of 19 July 2024 and is for reference only. The Bank reserves the right to change and/or cancel this promotion at any time without prior notice. Interest rates are subject to review according to changes in market conditions. Before conducting the relevant transaction, please check the actual interest rates and exchange rates that will be offered to you before your transaction made on i-banking or inMotion. Terms and conditions apply.
  • The "Lifetime Stock Purchases Fee Waiver" offer must meet specified conditions, including registering for "Lifetime Stock Purchases Fee Waiver" mission through inMotion "Reward Go!" and maintaining no less than HKD 100,000 in eligible HKD accounts (except time deposits) at the end of each month after registration for continuing the securities purchases fee waiver. Securities purchases transaction must be conducted through inMotion or inVest. Please refer to relevant terms and conditions for details.
  • Up to 5% Cash Rebate for Eligible inMotion FX Transactions: From now till 30 Sep 2024, customers who have completed FX market order or limit order from any currency to designated currency via inMotion of the bank during promotion period, will be entitled to up to 5% cash rebate. Pleas click HERE for details.
  • Up to HK$8,800 Investment Fund Subscription Fee Rebate : Only applicable to customers who have not subscribed any Investment Funds during 1 July 2023 to 30 June 2024 and to first Investment Fund subscription via online channels. The offer cannot be used in conjunction with Investment Rewards Offers. Terms and conditions apply.
  • $0 Advisory Service Fee Offer for Robo 360 : Customers who maintain Robo 360 Account can enjoy $0 advisory service fee for asset under advice in the Robo 360 Account. Terms and conditions apply, please click HERE for details.
  • CNCBI Motion Credit Card (virtual) 10% cash rebate on foreign currency includes transactions in the first 3 months (maximum of HK$1,000 cash rebate). Year round 6% cash rebate on online and dining transactions (maximum of HK$200 each month).
  • Risk Disclosure Statements for Foreign Exchange Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.
  • Reminder: To borrow or not to borrow? Borrow only if you can repay!
  • Investment involves risk.
• Customer Service Support
  • 24/7 Live Chat Support
  • Assistance over the phone during business hours

Earn up to 5.5% p.a. savings rate + up to 25,000 Asia Miles on New Funds Promotion 

• Bring in New Funds to Mox by 31 July 2024 to enjoy high interest and up to 25,000 Bonus Asia Miles for your next trip! So you can redeem a round-trip Economy Class ticket to London/ San Francisco! When you invest/exchange foreign currencies with Mox, you can even earn up to 1.5% p.a. savings rate
  

  HK$ New Funds required (time deposits excluded)	Cash reward (Effective rate on New Funds, inclusive of savings base rate)
  HK$100,000	HK$720 (5.02%)
  HK$250,000	HK$2,250 (5.53%)
  HK$500,000	HK$4,500 (5.53%)
  HK$1,000,000	HK$9,000 (5.53%)
  HK$2,000,000	HK$18,000 (5.53%)
  HK$3,000,000	HK$27,000 (5.53%)

• Place a Time Deposit of HKD100,000 with a 6-month tenor within July, and you can earn 18,000 Asia Miles instantly as interest, plus an extra 7,000 Miles as a welcome reward
• Join the New Funds Promotion in just a few taps
  Go to ‘View accounts’ in your Mox app, then click ‘Accounts’ and you’ll see the campaign offer. Click ‘Join now’ and bring in your selected amount of New Funds. Click ‘Confirm’ to register today.

MOX Invest enjoy up to 3% p.a. savings rate in total

• earn a total savings rate of 3% p.a. up to HK$ 3 million deposit (for deposits in your savings accounts, including Mox Invest Account) by simply investing and/or exchanging foreign currencies at Mox with just HK$30,000 (or equivalent) in a month, which can consist of:
  • Buy and sell transactions for HK or US stocks, including fractional shares;
  • The net purchase amount of funds in HKD, which is the total amount purchased minus the amount sold;
  • Currency exchange transactions

Introducing a new way to earn CashBack from Mox Credit. All you need is Mox Credit to earn Unlimited CashBack for all your spendings all year round with no cap and no category limits

• Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.
• Enjoy 2% Unlimited CashBack anytime, everywhere: if you keep HK$75,000 in your Mox Account to enjoy high savings rate and unlock 2% Unlimited CashBack on all your spendings! No cap and no categories limit!
• Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!

First in Hong Kong! Earn interest upfront with cash or miles!

• Interest earnings are credited to you right away – and you can choose to receive interest in either cash or Asia Miles!
• Mox pays your interest the exact moment of your deposit and lets you choose to earn cash or miles. Earn interest upfront with cash or miles? It’s up to you.

Choose miles as interest, enjoy as low as HK$1.64 for 1 mile by placing a Time Deposit with New Funds

• No waiting: The moment you save, not only you will transparently see how many miles you can earn, you’ll also get them upfront instantly.
• Easy to earn: Save and earn. It’s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?
• Low barrier: You can earn miles even if you save with a small budget, which is a perfect choice for you if you’re just missing a few more miles for your next trip.

Choose miles as cash, enjoy up to 3.5% p.a. Interest

• For Time Deposits with tenors of 6-months or above with New Fund, interest is even credited right away!

Transfer flexibly with Mox Credit with no fees

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
• From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.
• From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of at least HK$75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction. 
• From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited. 
• General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and Split Purchase Cash Rewards Promotion Terms and Conditions apply.
• Monthly Average Balance refers to the average of your HKD deposit balance on all calendar days in a calendar month.
• Terms and conditions apply.
• Mox disclaimer applies.

Time Deposit Offer 

• Enjoy Preferential Time Deposit rates of up to 4.4% p.a. for Citigold bank account and Up to 4.5% p.a. for Citigold Private Client now by setting up HKD Time Deposit via Online Banking or Citi Mobile App

Citigold Debit Mastercard Cash Rebate

• Enjoy up to 1% cash rebate for every Point-of-Sale purchase for the first 6 months, and 0.5% thereafter.

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

• Welcome Offer - up to HK$48,000 rewards

  • Enjoy up to HK$48,000 in total rewards and a Below Balance Fee waiver for 6 months when you apply for HSBC Premier and complete designated banking transactions by 30 June 2023.
  • Terms and Conditions apply.

  Referral Offer - up to HK$7,500 cash rewards

  • Enjoy up to HK$7,500 in cash rewards for referring your family and friends to join HSBC Premier. Earn HK$1,500 in referral rewards for each successful referral, up to a maximum of 5 referrals, after fulfilling the designated new fund and total relationship balance requirement.
  • Terms and Conditions apply.
• Enjoy First 6-month Below Balance Fee Waiver
• Who successfully opens or converts an account to an HSBC Premier Integrated Account during the promotional period, has placed new/maintained existing fund to fulfil a minimum of HK$1,000,000 TRB on or before the last day of the first calendar month after the month of account opening or conversion, and maintains a minimum of HK$1,000,000 Average Daily TRB throughout the second, third, fourth and fifth calendar months after the month of account opening or conversion, has not previously held a Premier Account (including sole accountholders and all joint accountholders) in the past 9 months (both dates inclusive) prior to the new Premier Account opening or conversion month
  • With Risk Profiling Questionnaire (RPQ) completed on or before the last day of the first calendar month after the month of account opening/ conversion
  • Having successfully opened and maintained a Premier investment account by the last day of the first calendar month after the month of Premier Account opening / conversion

• Open account at branches / through online enrollment
• Accounts include deposit, RMB, payroll and payment, investment, insurance and loans
• Investment Offers
  • Fund subscription fee as low as 2.0%
  • Enjoy free real-time online stock quotes each month
  • The number of free real-time stock quotes entitled is determined according to customers’ membership tiers of the Securities Club, with a maximum of 1,000 stock quotes per month.
• Diversified Services
  • Auto-Sweeping Service
  • Up to 30 pips of currency exchange discount
  • Annual rental discount 10% off on safe deposit box service
• Fees You Need to Know

  Item	Fees
  Service Fee	Waived
  Paper Statement Fee	HK$5 / month
  Account closed by customer within 3 months from the date of opening	HK$200
  ATM Card Annual Fee	Waived

• Earn up to HK$900 Cash Rebate or 9,000 Asia Miles for designated new funds deposited
• Open account at branches / through SC Mobile App / through online enrollment
• New Funds Growth Offer - Earn up to HK$900 Cash Rebate or 9,000 Asia Miles for designated new funds deposited

  New Funds Growth Amount	Cash Rebate / Asia Miles
  HK$800,000 or above	HK$900 / 9,000 Asia Miles
  HK$500,000 to less than HK$800,000	HK$700 / 7,000 Asia Miles
  HK$200,000 to less than HK$500,000	HK$500 / 5,000 Asia Miles

• 1.88% p.a. HKD Preferential Savings Interest Rate Offer

  • Customers are required to fulfill ALL of the requirements in the following sub-clauses in order to enjoy the Preferential Savings Interest Rate Offer:
    • Successfully submit an application for, and open, an Integrated Deposit Account (\"IDA\") via SC Mobile during the Promotion Period; AND
    • When the IDA has been successfully opened, complete the account setup and sign up for the Promotion via
      SC Mobile within 30 days after submitting the application; AND
    • Successfully sign up for Priority Banking or Premium Banking or Easy Banking via SC Mobile during the
      Promotion Period
  • Upon fulfilling the sub-clauses above, an eligible customer can enjoy the corresponding savings rate for his / her sub HKD Saving Account under IDA which is opened via SC Mobile within the Promotion Period according to the deposit balance below for three months starting from the third
    business days after successfully signing up for Priority Banking or Premium Banking or Easy Banking via SC Mobile:

  Daily balance in the Designated HKD Savings Account	Savings rate applicable to the corresponding balance tier
  HK$1 to HK$50,000	Preferential Savings Rate: 1.88% p.a.
  HK$50,000 above	Prevailing Savings Rate: 0.001% p.a.

• Accounts include Savings Account, Current Account, ATM Card, RMB Deposit Services, Credit Card, Mobile FX Platform, Securities Services, Personal Loans, Salary BonusPack and Insurance Services
• Transfer to UK and Euro zone countries earliest within the same day. Online fund transfer to 6 countries zones with $0 service fee.
  • From now till 30 September 2021, enjoy $0 service fee when you transfer funds to Australia, Canada, Euro Zone countries, UK and US. The transaction amount must be equal to or below US$48,000 (or equivalent currency).
  • UK and Euro zone countries : available earliest within the same day; Singapore, Australia, Canada and the US : available earliest on the next day
• The promotion period is valid from now till 31 March 2022
• Offer is only applicable to new customers who did not hold any deposit account(s), including Savings Account(s), Current / Cheque Account(s), Integrated Deposits Account(s) and Time Deposit Account(s), with Standard Chartered Bank (Hong Kong) Limited in the past 12 months from the date of the current submission of an application for an Integrated Deposit Account via SC Mobile.
• Fees You Need to Know

  Item	Fees
  Service Fee	Free
  Paper Statement Fee	HK$5 per month
  Account closed by customer within 3 months from the date of opening	HK$200
  ATM Card Annual Fee	Free

• 6-min mobile account opening
• Integrated account includes deposits, investments, insurance, credit facilities, credit cards and mortgage loans
• Investment Offers
  • Subscription fee for investment funds as low as 2%
  • 900 free, real-time stock price quotes are shared per month through internet and mobile phone channels
  • Important Notice:
    Investment involves risks. The prices of securities and funds units may go down as well as up, and may even become valueless. There is an inherent risk that loss may be incurred rather than profit gained as a result of buying and selling securities and funds. Before making any investment, investors should refer to all relevant investment products’ offering documents for detailed information including the risk factors. If investors are in doubt, they should seek independent professional advice. This material does not constitute an offer, solicitation or advice to subscribe to any securities or investment products.
• Customer Support
  • Phone Banking
  • e-Banking
  • Branches
• To borrow or not to borrow? Borrow only if you can repay!
  
  Terms and conditions apply. Please visit http://www.hkbea.com/supreme for more information, or for details on fees and charges.
• Account Opening Requirement
  • You must be aged 18 or above and hold a valid Hong Kong permanent resident identity card.
  • You must reside in Hong Kong.
  • You must not be a U.S. citizen or U.S. resident alien (e.g. green card holder, nor meeting the \"substantial presence test\").
• Fees You Need to Know

  Item	Fees
  Service Fee	HK$50 / month (Average Daily Relationship Balance of HK$100,000 or above: Waived)
  Paper Statement Fee	HK$20 per account per half-year
  Account closed by customer within 3 months from the date of opening	HK$200
  ATM Card Annual Fee	Perpetual Annual Fee Waiver

• 6-min mobile account opening
• Integrated account includes deposits, investments, insurance, credit facilities, credit cards and mortgage loans
• Investment Offers
  • Subscription fee for investment funds as low as 2%
  • Important Notice:
    Investment involves risks. The prices of securities and funds units may go down as well as up, and may even become valueless. There is an inherent risk that loss may be incurred rather than profit gained as a result of buying and selling securities and funds. Before making any investment, investors should refer to all relevant investment products’ offering documents for detailed information including the risk factors. If investors are in doubt, they should seek independent professional advice. This material does not constitute an offer, solicitation or advice to subscribe to any securities or investment products.
• Financial benefits
  • 1 st year annual fee waiver for i-Account Card
  • Auto set-up of time deposits
• Customer Support
  • Phone Banking
  • e-Banking
  • Branches
• To borrow or not to borrow? Borrow only if you can repay!
  
  Terms and conditions apply. Please visit https://www.hkbea.com/html/en/bea-personal-banking-i-account.html for more information, or for details on fees and charges.
• Account Opening Requirement
  • You must be aged 18 or above and hold a valid Hong Kong permanent resident identity card.
  • You must reside in Hong Kong.
  • You must not be a U.S. citizen or U.S. resident alien (e.g. green card holder, nor meeting the \"substantial presence test\").
• Fees You Need to Know

  Item	Fees
  Service Fee	Waived
  Paper Statement Fee	HK$20 per account per half-year
  Account closed by customer within 3 months from the date of opening	HK$200
  ATM Card Annual Fee	Perpetual Annual Fee Waiver

Ant Bank PayLater Cashback Reward

• From now to under further notice: Using Ant Bank PayLater for your purchases earns you 2x A. Points rewards.
• Campaign will end until further notice.

Ant Bank eM+ Upgrade Offer

• Ant Bank customers enjoy the highest prevailing basic savings account annual interest rate in Hong Kong, with no conditions and without needing to participate in any tasks.

Ant Bank PayLater Monthly Fixed Offer

• HK$30 PayLater Coupons: New and existing customers can redeem HK$15 PayLater Coupons * 2 at designated page in AlipayHK App, applicable to transaction with single spending of HK$50 or above at Taobao, designated consolidation platforms, EasyGo, cross-border face-to-face payment transactions, McDonald's or Starbucks by using PayLater
  Designated platforms:
  • Taobao
  • HKREFILL
  • GroupNShip
  • Cainiao
  • 4PX
  • BUYUPExpress
• Taobao transaction fee waived

Ant Bank PayLater Interest-free Installment Service

• Ant Bank PayLater provides interest-free installment services for 1-month and 3-month installment payments. You may also pay in 6-month and 12-months installments arrangement, which interest payment will be displayed upon transaction.
• Ant Bank PayLater can be used for all online and brick-and-mortar transactions locally, and for transaction that takes place in Mainland China, Macau, and Japan globally, as long as the merchants accept AlipayHK or display the Alipay+ sign. 
• You may also enjoy Taobao transactions free of any handling fees.

Points to Note:

•  In the case of alternative installment durations, all relevant costs will be clearly presented to customers at the AlipayHK point of sale when they complete their payment transaction.
• Penalty interest will be incurred for overdue payment. You may be subject to handling fee charged by 3rd party payment gateway. Please refer to Key Facts Statement.
• For details, please refer to Ant Bank PayLater Facility Declaration. Terms and Conditions apply.
• Ant Bank PayLater is a credit product provided by Ant Bank (Hong Kong). To borrow or not to borrow? Borrow only if you can repay!

• Rewards Go! 
  • Check-in in inMotion’s Personalized Rewards Platform after opening account and complete banking missions to earn cash rewards.
• Welcome Offer - Up to 10% Foreign Currency Spending Cash Rebate 
  • From 3 July 2024 to 2 January 2025, New Cardmembers who successfully apply for CNCBI Motion Credit Card can enjoy 10% Cash Rebate on spending in foreign currency (up to HK$1,000 rebate) or HK$600 Cash Rebate.
  • Year-round offer of 6% Cash Rebate(up to $200 monthly) on dining and online spending. No register is needed. Rebate automatically to card account monthly.
  • Perpetual Annual Fee Waiver
• Saving Offers
  • From 1 July to 30 July 2024 8 p.m., Register for MONOPOLY Deposit can enjoy interest rate of up to 7.28% p.a..
  • Online USD exclusive time deposit rate up to 4.70% p.a.
• Investment Offers
  • Get “Lifetime Stock Purchases Fee Waiver” through inMotion "Reward Go!"
  • Up to 5% Cash Rebate for Eligible inMotion FX Transactions
  • Up to HK$8,800 Investment Fund Subscription Fee Rebate
  • $0 Advisory Service Fee Offer for Robo 360
• Remarks
  • Terms and conditions apply.
  • Up to HK$800 welcome reward: From 1 July to 31 July 2024 (both dates inclusive), CNCBI new customer who successfully open the bank account and fulfill the designated requirements.This promotion is for new customers only, which refer to the customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the "Bank" within the preceding 12 months. CITICfirst, CITICdiamond and Private Banking customers are not applicable to the offer. New customers are required to complete the relevant requirements during the designated date. Terms and conditions apply, please click HERE for details.
  • Spring Thankful Draw: Terms and conditions apply, please click HERE for details.
  • Monopoly Deposit Savings Offers: Customers should register Monopoly Deposit and the eligible new fund should at least reach the requirement of HK$10,000 once on any business day during the Registration Period to enjoy Monopoly bonus interest rate.The maximum eligible new fund to be entitled to the Bonus Interest Rate during the Promotion Period is HK$ 20,000,000. Savings Interest Rate of 7.28% includes the Bonus Interest Rate and Prevailing Savings Rate. As of 1 July 2024, the Bank’s HKD Prevailing Savings Rate is 0.875%. The Bonus Interest Rate and Prevailing Savings Rate quoted above are indicative and for reference only, and may change from time to time at the Bank’s sole and absolute discretion. Terms and Conditions apply.
  • Time Deposit: The above preferential interest rate is quoted as of 19 July 2024 and is for reference only. The Bank reserves the right to change and/or cancel this promotion at any time without prior notice. Interest rates are subject to review according to changes in market conditions. Before conducting the relevant transaction, please check the actual interest rates and exchange rates that will be offered to you before your transaction made on i-banking or inMotion. Terms and conditions apply.
  • The "Lifetime Stock Purchases Fee Waiver" offer must meet specified conditions, including registering for "Lifetime Stock Purchases Fee Waiver" mission through inMotion "Reward Go!" and maintaining no less than HKD 100,000 in eligible HKD accounts (except time deposits) at the end of each month after registration for continuing the securities purchases fee waiver. Securities purchases transaction must be conducted through inMotion or inVest. Please refer to relevant terms and conditions for details.
  • Up to 5% Cash Rebate for Eligible inMotion FX Transactions: From now till 30 Sep 2024, customers who have completed FX market order or limit order from any currency to designated currency via inMotion of the bank during promotion period, will be entitled to up to 5% cash rebate. Pleas click HERE for details.
  • Up to HK$8,800 Investment Fund Subscription Fee Rebate : Only applicable to customers who have not subscribed any Investment Funds during 1 July 2023 to 30 June 2024 and to first Investment Fund subscription via online channels. The offer cannot be used in conjunction with Investment Rewards Offers. Terms and conditions apply.
  • $0 Advisory Service Fee Offer for Robo 360 : Customers who maintain Robo 360 Account can enjoy $0 advisory service fee for asset under advice in the Robo 360 Account. Terms and conditions apply, please click HERE for details.
  • CNCBI Motion Credit Card (virtual) 10% cash rebate on foreign currency includes transactions in the first 3 months (maximum of HK$1,000 cash rebate). Year round 6% cash rebate on online and dining transactions (maximum of HK$200 each month).
  • Risk Disclosure Statements for Foreign Exchange Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.
  • Reminder: To borrow or not to borrow? Borrow only if you can repay!
  • Investment involves risk.
• Customer Service Support
  • 24/7 Live Chat Support
  • Assistance over the phone during business hours

• WeLab Bank is a Hong Kong-based virtual bank, wholly owned by WeLab with investors like Malaysian sovereign wealth fund Khazanah Nasional Berhad, CK Hutchison’s TOM Group. You can open an account in as fast as 5 minutes and spend with your virtual card immediately.
• Shop with WeLab Debit Card immediately when you successfully open the account for all your shopping and cash needs.
  • Your new WeLab Bank account comes with an integrated virtual debit card that you can use immediately. You can earn cash rebate with the card.
  • A numberless card design prevents others from using your details. No more worries about having your card credentials compromised.
  • No services charges when you get your money at any JETCO ATMs.
  • Support Apple Pay.

• Enjoy great rate and flexibility with GoSave Time Deposit - follow closely for actual rate surprise deals

  • GoSave 6 month HKD time deposit interest rate as high as 2% p.a. (Based on 7 July 2022 time deposit rate)
  • More joiners with higher rates. Everyone enjoys the same great rate, no matter the deposit amount.
  • Low entry. You can deposit from HK$10 to a maximum of HK$200,000. The currently available tenor is 3 months.
  • You can withdraw your money up to two times with NO charges.
  • The interest rate is an example only and is not guaranteed. The interest rate payable on the Principal Amount is determined by the number of participants who have participated in the applicable GoSave Time Deposit as at the Closing. The interest rate (and the corresponding number of participants) shall be in accordance with the interest rates (and the corresponding number of participants) shown in WeLab Bank App at the time each GoSave Time Deposit is made available.
  • Terms and conditions apply. For more details, please refer to WeLab Bank website.
• No minimum balance requirement
• Customer Service Support
  • Email
  • Phone
• No physical branches
  • You can contact WeLab Bank via email and phone.
• Account Opening Requirement
  • You must be aged 18 or above and hold a valid Hong Kong identity card.
  • You must be\\xa0physically in Hong Kong.
  • You must have\\xa0a Hong Kong mobile number.
  • You must\\xa0have a Hong Kong residential address.
• Fees You Need to Know

  Item	Fees
  Account closed by the customer within 3 months from the date of opening	Free
  WeLab Debit Card Annual Fee	Waived

• A virtual bank in Hong Kong
• Mobile account opening as fast as 5 minutes
• 5% p.a. High-Interest Savings Deposit
  • From 18 August 2021, customers who successfully open a savings deposit account can enjoy 5% p.a. for the first HK$20,000 deposits amount. Customers can enjoy the interest rate protection for 3 months (95 days) starting from the date of account opening.
• HKD / USD / CNY accounts available
• No minimum balance requirement
• No physical branches
  • You can contact Airstar Bank's Customer Service Officer at 24-hour Banking Hotline for assistance.
• No ATM
  • You can transfer the money through Faster Payment System (FPS).

• Open a Fubon Bank account as fast as 5 minutes
• You can open Fubon HKD Statement Savings Account and/or Securities Account, apply for Fubon credit card and / or personal loan via Fubon GO.
• Customer Support
  • Customer Service Hotline / Branches Services
• No minimum balance requirements
  • Opening a Fubon HKD Statement Savings Account via Fubon GO is completely free and no minimum balance is required.
• To borrow or not to borrow? Borrow only if you can repay!
• Terms and conditions apply. For details please refer to Fubon GO Demand Deposit Preferential Interest Rate Offer & Fubon GO Mobile Account Opening Fabulous Rewards.
• Account Opening Requirement
  • You must be aged 18 or above and hold a valid Hong Kong Identity Card (HKID).\\xa0
  • You are a tax resident in Hong Kong only.
  • You are not a U.S. person.
  • You are now located in Hong Kong.
  • You have not been refused to open a bank account by other banks
  • You do not have any Fubon Bank Account in the form of sole account (Including Savings Account, Demand deposit Account, Fixed deposit Account and Target Savings Plan).
• Fees You Need to Know

  Item	Fees
  Monthly Service Fee	Waived
  Account closed by customer within 6 months from the date the account is opened	HK$200

  • For the details of account’s fees and charges, and terms and conditions, please refer to the List of Service Charges of Retail Banking Services of Fubon Bank or contact Fubon Bank\\'s staff.
• Risk Disclosure and Important Note: The following risk disclosure statements cannot disclose all the risks involved. You should carefully consider whether trading or investment is suitable in light of your financial needs and investment objectives. You should not rely on this information alone to make any investment decision, but should read in detail the relevant terms and conditions and risk disclosure statements or seek independent professional advice if in doubt. Investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of securities may move up or down and may become valueless. It is likely that losses will be incurred rather than profits made as a result of buying and selling securities. Transactions through securities accounts may involve derivatives or high risk investment vehicles. Before making any investment decisions, a person should carefully consider whether the investment is suitable in light of his/her investment experience, investment objectives, and risk tolerance level. Fubon Bank (Hong Kong) Limited does not provide securities advisory service. Any person considering an investment should seek independent advice on the investment suitability when considered necessary. The promotion is bound by relevant terms and conditions.
• This webpage does not constitute any offer, solicitation, advices or promise to any person to buy/sell, subscribe or enter into any transaction for any investment products or services contain in this webpage.
• This webpage is issued by MoneyHero and the contents have not been reviewed by the Securities and Futures Commission in Hong Kong.

Earn up to 5.5% p.a. savings rate + up to 25,000 Asia Miles on New Funds Promotion 

• Bring in New Funds to Mox by 31 July 2024 to enjoy high interest and up to 25,000 Bonus Asia Miles for your next trip! So you can redeem a round-trip Economy Class ticket to London/ San Francisco! When you invest/exchange foreign currencies with Mox, you can even earn up to 1.5% p.a. savings rate
  

  HK$ New Funds required (time deposits excluded)	Cash reward (Effective rate on New Funds, inclusive of savings base rate)
  HK$100,000	HK$720 (5.02%)
  HK$250,000	HK$2,250 (5.53%)
  HK$500,000	HK$4,500 (5.53%)
  HK$1,000,000	HK$9,000 (5.53%)
  HK$2,000,000	HK$18,000 (5.53%)
  HK$3,000,000	HK$27,000 (5.53%)

• Place a Time Deposit of HKD100,000 with a 6-month tenor within July, and you can earn 18,000 Asia Miles instantly as interest, plus an extra 7,000 Miles as a welcome reward
• Join the New Funds Promotion in just a few taps
  Go to ‘View accounts’ in your Mox app, then click ‘Accounts’ and you’ll see the campaign offer. Click ‘Join now’ and bring in your selected amount of New Funds. Click ‘Confirm’ to register today.

MOX Invest enjoy up to 3% p.a. savings rate in total

• earn a total savings rate of 3% p.a. up to HK$ 3 million deposit (for deposits in your savings accounts, including Mox Invest Account) by simply investing and/or exchanging foreign currencies at Mox with just HK$30,000 (or equivalent) in a month, which can consist of:
  • Buy and sell transactions for HK or US stocks, including fractional shares;
  • The net purchase amount of funds in HKD, which is the total amount purchased minus the amount sold;
  • Currency exchange transactions

Introducing a new way to earn CashBack from Mox Credit. All you need is Mox Credit to earn Unlimited CashBack for all your spendings all year round with no cap and no category limits

• Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.
• Enjoy 2% Unlimited CashBack anytime, everywhere: if you keep HK$75,000 in your Mox Account to enjoy high savings rate and unlock 2% Unlimited CashBack on all your spendings! No cap and no categories limit!
• Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!

First in Hong Kong! Earn interest upfront with cash or miles!

• Interest earnings are credited to you right away – and you can choose to receive interest in either cash or Asia Miles!
• Mox pays your interest the exact moment of your deposit and lets you choose to earn cash or miles. Earn interest upfront with cash or miles? It’s up to you.

Choose miles as interest, enjoy as low as HK$1.64 for 1 mile by placing a Time Deposit with New Funds

• No waiting: The moment you save, not only you will transparently see how many miles you can earn, you’ll also get them upfront instantly.
• Easy to earn: Save and earn. It’s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?
• Low barrier: You can earn miles even if you save with a small budget, which is a perfect choice for you if you’re just missing a few more miles for your next trip.

Choose miles as cash, enjoy up to 3.5% p.a. Interest

• For Time Deposits with tenors of 6-months or above with New Fund, interest is even credited right away!

Transfer flexibly with Mox Credit with no fees

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
• From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.
• From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of at least HK$75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction. 
• From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited. 
• General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and Split Purchase Cash Rewards Promotion Terms and Conditions apply.
• Monthly Average Balance refers to the average of your HKD deposit balance on all calendar days in a calendar month.
• Terms and conditions apply.
• Mox disclaimer applies.

• Welcome Offer - 6.88% p.a. savings deposit rate for the first HK$100,000 until 31 July 2022

  • New customers who have successfully opened PAOB savings account from 2 June 2022 to 30 June 2022 can 6.88% p.a. savings deposit rate for the first HK$100,000 until 31 July 2022. Limited quota with terms and conditions apply.

• 24x7 fast account opening

  • Customers can open a savings account anytime, anywhere through PAOB Mobile Banking
• Welcome Offer: Customers who successfully opens a savings account (“Savings Account”) and has not held any savings account with the Bank in the six (6) months prior to the start date of the Offer (“Eligible Customer”) will be eligible for the Offer. For details, please visit PAOB’s website: www.paob.com.hk.
• Based on the deposits of HK$100,000 and 6.88% p.a. (e.g. From 2 June 2022 to 31 Jul 2022), it offers HK$100,000 x 6.88% x 60/365 = HK$1,130 interest.
• The rate quoted is for reference only and it may vary based on market conditions or subject to the Bank’s discretion. Terms and conditions apply.

• About 8 minutes to open the bank account through “New CustomerAccount Opening” service
• You can manage an integrated account with a wide range of foreign currencies, conduct local transactions via Faster Payment Service (FPS), use biometric authentication as an alternative method to access mobile banking, enquire accounts balance, make a time deposit, perform currency trading, pay the bill, check transactions details, check application status, settle transaction limit, and reset password.
• Investment Offers - Consolidated Investment Account Opening
  • You can conduct Hong Kong Stock Trading, Shanghai-Hong Kong Connect / Shenzhen-Hong Kong Connect Trading and Chinese A-shares trading with the Consolidated Investment Account.
  • Enjoy first 3 months of HK$0 commission for buying securities upon account opening when you buy securities via \"ICBC Smart Invest\" App in the first 3 months after successful securities account opening.
  • Continue to enjoy HK$0 commission for buying securities in the following month when you conduct at least 1 eligible transaction in a month, starting from the 3rd month after the securities account is opened.
  • Enjoy privileged interest rate of P-2.3% in the first 3 months when you open the margin account.
• Customer Support
  • Customer Service Hotline / Branches Services
• No minimum balance requirements or monthly account fees
• Account Opening Requirement
  • You must be aged 18 or above and hold a valid Hong Kong Identity Card (HKID).\\xa0
  • You should not be a tax resident of The United States of America.
• Fees You Need to Know

  Item	Fees
  Monthly Service Fee	Waived
  Account closed by customer within 3 months from the date the account is opened	HK$200

• YOU Points Reward - Earn YOU Points with designated daily banking transactions. Redeem your YOU Points for Dah Sing credit card cash rewards or mileage.
  • To be entitled to YOU Points, you are required to conduct eligible transactions with your YOU i-Account. You may earn up to 600 YOU Points every year.
  • Upon fulfilling the designated requirements, you can enjoy double YOU Points in your birthday month after successfully completing the eligible transactions.
  • Upon fulfilling the designated requirements, you may redeem 1 YOU Point for HK$1 credit card cash reward or 14 Avios
• Diversified Services
  • Enjoy bonus savings interest rate of 0.125% p.a. with the interest-bearing HKD Current Account if you use designated banking services
  • Multi-Currency Savings Account
  • Up to HK$5,000 No-Bounced Cheque / Autopay Protection
• Investment involves risks. The above offers are subject to relevant terms and conditions.
• YOU Banking Rewards are only applicable to new YOU i-Account Customer (i.e. any customer not holding any YOU i-Account (sole or joint-named) in the capacity as Primary Account Holder from 1 Jul 2023 to 30 Jun 2024 (both dates inclusive) with Dah Sing Bank, Limited ( "Dah Sing Bank")) and existing deposit customer who successfully opens / upgrades to YOU i-Account (sole or joint-named) in the capacity as Primary Account Holder ("Eligible Customer") during the Promotion Period (as defined below).
• The promotion period of YOU Banking Rewards (the “Promotion Period”) is from 1 Jul 2024 to 31 Dec 2024 (both dates inclusive) (unless specified otherwise). For details and terms and conditions of YOU Banking Rewards, please refer to dahsing.com/you/en.
• The promotion period of Securities Services Offers is from now until 31 Dec 2024. For details and relevant terms and conditions of Securities Services Offers, please visit dahsing.com/stock/promotion/en.
• The promotion period of Investment Services Offers is from now until 31 Dec 2024. For details and relevant terms and conditions of Investment Services Offers, please visit dahsing.com/investment/en, or contact the relevant staff of Dah Sing Bank.
• If you would like to learn more, please call the hotline of Dah Sing Bank at 2828 8000 during office hours (Mon – Fri: from 9am to 10pm; Sat: from 9am to 5:30pm)
• To borrow or not to borrow? Borrow only if you can repay!
• Don't be tempted by quick money. Don't lend your bank account to anyone to launder money.
• The services / products mentioned herein are not targeted at customers in the EU.
• Should there be any discrepancy between the Chinese and English version, the English version shall prevail.
• Account Opening Requirement
  • You must be aged 18 or above, hold a Hong Kong Permanent Identity Card and must not hold any sole-name integrated account or joint name account with Dah Sing Bank in order to apply for a bank account via Dah Sing mobile app.
• Required Documents for Application via Dah Sing Bank Mobile App
  • Original Hong Kong permanent identity card

• Fees You Need to Know

  Item	Fees
  Service Fee	Free
  Account closed by customer within 3 months from the date of opening	HK$200
  ATM Card Annual Fee	Free

• Risk Disclosure  

  Investment Service

  Investment involves risks. Past performance is not indicative of future performance. Before making an investment decision, customers should refer to the relevant investment product offering documents for detailed information including the risk factors. If customers are in doubt, independent professional advice should be sought.

  Securities Service

  Investment involves risks. The price of securities fluctuates, sometimes dramatically. The price of securities may move up or down and may become valueless. Losses may be incurred rather than profits made as a result of buying and selling securities. Customers should carefully consider whether the investment products or services mentioned herein are appropriate for them in view of their investment experience, objectives and risk tolerance level, and read the terms and conditions of relevant Securities Services before making any investment decision.

  Investment Fund Service

  Investment involves risks. The price of funds fluctuates, sometimes dramatically. The price of fund may move up or down and may become valueless. Losses may be incurred rather than profits made as a result of buying and selling funds. Past performance is no guide to future performance. Before making any investment decision, investors should consider their investment experience, objectives and risk tolerance level and read carefully the terms and conditions and the risk factors contained in the relevant offering documents. If investors are in doubt about the nature of or the risks associated with this investment product, investors should obtain any necessary and appropriate professional advice before investing.

  Important Note

  Investment Fund is investment product. Some Investment Funds are structured products involving derivatives. This investment decision is yours but you should not invest in this product unless Dah Sing Bank, Limited has explained to you that this product is suitable for you having regard to your financial situation, investment experience and investment objectives.

  Unless the context requires otherwise, this information does not constitute any offer, invitation or recommendation to any person to enter into any investment / securities / foreign currency transaction nor does it constitute any prediction of likely future movements in prices of any investment products / securities / foreign currencies.

  This information has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

• 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:

• AutoSweeping service to avoid unsuccessful cheque payment

AutoSweeping service to the current account to ensure the successful processing of account transfer instructions and issued cheques and avoid the risk of overdraft. Our services provide you with enhanced convenience and flexibility in managing your finances, while also helping you save on unnecessary interest expenses and service charges. The upper limit of AutoSweeping Service will be uplifted to HKD100,000, providing greater ease and peace of mind!

AutoSweeping Service is applicable to the situation that your Hong Kong Dollar Current Account under the Integrated Account is overdrawn/ the line of credit is exceeded. It is limited to a daily total overdraft /excess amount of HKD20,000 or below.

• 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