Open a Bank Account in Hong Kong 2023 Guide

Luggage on Twitter Twemoji 14.0  經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!
 |Posted by MoneyHero
 
 
Bank Account Opening Documents and Fee

 With digitalising bank services, opening a bank account is but a click away. Let     MoneyHero guide you through opening bank accounts online and in-app.

 

 經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!    前往官網-Apply Now

💳  Can I open a bank account online?

 

Yes, many banks now have systems in place for online or in-app applications. 

For most processes, it would be done in-app by smartphone, banks will usually need you to upload or scan a copy of your documents with your phone and take a selfie to verify your identity. 

💳  What documents do I need to open a bank account?


To open a personal bank account in Hong Kong, you will usually need the following paperwork:

  • Hong Kong Identity Card
  • Proof of Address
  • Travel Documents (such as your passport)

Hong Kong Identity Card

All Hong Kong residents aged 11 years or above are required to register with the Immigration Department to obtain a Hong Kong Identity Card (HKID). Meaning, if you plan to stay in Hong Kong for more than 180 days, you will be required to obtain one. 

To obtain one, make an appointment at the Immigration Office and fill in the electronic form. At your appointment, you can use a self-service kiosk to confirm your form, take your photo for the ID and have your fingerprints scanned; the end of the appointment will be an interview with an immigration officer for final checking. Then you will have a receipt for picking up your identity card at the time specified on your receipt. Registering for an HKID is free. 

Proof of Address

Banks will require proof of address to verify the address you've put down as part of your personal particulars in your application. In general, your proof of address should have the matching address you've put down in your application and your name (it should match the format on your HKID or passport). Most banks require proof of address that is issued within 3 months of your application.

Some accepted forms of proof of address include:

  • Utility bill (such as water, electricity or gas bill)
  • Bank statements
  • Mortgage contracts
  • Letter issued by government
  • Official letters from an educational institution (such as an offer letter from a university)

Travel Document

If you are a foreign national, your bank may require a copy of your travel document. 

What banks are there to choose from in Hong Kong?

 

There are over 160 licensed banks in Hong Kong, with many International banks having a base in the city. Multinational banks such as HSBC, Citi and Standard Chartered all have branches in the city as well as local selections such as Hang Seng Bank and Bank of East Asia.  

 

What fees should I expect from maintaining Hong Kong bank accounts?

 

With mainstream retail banks, there are usually minimum fees involved for personal bank accounts. Most bank accounts do not charge a monthly or quarterly service fee any more as long as you maintain your relationship balance above a certain level, and that would usually before more prestigious accounts. With that said, your bank may still charge you a fee for services such as overdrafts, returned cheques and cash withdrawals out of your bank's ATM network (local or international).

 

How can I open a Citibank account online?


Citibank is one of the largest international banks operating in Hong Kong. It offers an extensive range of banking services catered towards individual customers, catering for different levels of investment needs. 

In Hong Kong, Citi has a total of 13 branches to cater for in-person queries and services.  It participates in the Jetco ATM network, meaning CITI users can access one of 3,000 ATMs across Hong Kong and Macau. 

You can apply to open the following Citi bank accounts via the Citibank app:

  Relationship Balance Requirement Under Balance Fee
(per month)
Special Services
Citi Plus
N/A N/A
  • Interest booster for up to 2.55%p.a.
  • Citi Global Wallet and accompanying debit card for worldwide free cash withdrawals in up to 12 currencies
Citigold HK$1.50mil HK$300
  • Dedicated Wealth Relationship Manager
  • Citibank Global Transfer - instant and fee-free global money transfers online
  • Can open US, UK and Sinoffshore accounts from Hong Kong

 

Documents needed to open a Citi Plus account

  1. HKID
  2. Proof of Address
  3. Piece of white paper for signature

 

Steps to open a Citi Plus account online (in-app)

  1. Fill in your personal information
  2. Obtain an application number
  3. Go to the Citi Mobile App and select the option to open a bank account
  4. Enter the application number from Step 2
  5. Follow the instructions and scan your HKID 
  6. Take a selfie for identity verification
  7. Take a photo of your address proof
  8. Take a photo of your signature

Citi Plus Account

Citi Plus Account

Saving Account Rate

1.5
%
with designated requirements

Minimum Opening Balance

HK$0

Rewards

[Best offer in town! Till 8 December] Get Marshall Emberton Bluetooth Speaker (valued at HK$1,499) / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall e-Gift Voucher exclusively from MoneyHero; deposit dedicated new fund to enjoy up to HK$1,800 cash rebate and exclusive offer with total rewards up to HK$3,299!
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=<p>HK$0</p>}, {comparable_label=, comparable_value=}], comparables=[INTEREST_RATE], 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={id=59168070111, table_id=4701663, table_name=product_moneyhero, columns={hs_id=59168070111, hs_child_table_id=0, hs_updated_at=1701338717386, hs_published_at=1721692821338, productid=blte1113e2e96a10348_15_en-hk, data={"__typename":"BankAccount","id":"blte1113e2e96a10348_15_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png","description":null,"dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Best offer in town! Till 8 December] </strong>Get<strong> </strong><span><strong>Marshall Emberton Bluetooth Speaker (valued at HK$1,499)</strong></span><strong></strong><span><strong> / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / </strong></span><strong>HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall e-Gift Voucher </strong>exclusively from MoneyHero; deposit dedicated new fund to enjoy <strong>up to HK$1,800 cash rebate</strong> and exclusive offer with <strong>total rewards up to HK$3,299!</strong>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt61077750ffcabd2c/65558a022e0ea1e409178f2c/20231120_[BKA]_Citiplus_upgraded_offer_-_Marshall_(Nov_2023)_D-PJ23_0795_Campaign-V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":null},"countdown":{"text":"Last Chance","displayProductPage":true,"date":{"startDate":null,"endDate":"2023-02-28T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-1500,"displayValue":"1.5","tooltip":null,"description":"with designated requirements","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-3299000,"displayValue":"3,299","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1wbHVzLWJhLWVuLXJw.OmPHlx7Pbl0sfTk9fZmSwu4g6Y4VQidILryjCgP1fhHGrePZ_4BiNwQvj8jDmSY54G0M4WdqsTLaowKmd-56Cw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["3.5% p.a. Foreign Currency 1-month Time Deposit","Up to 12% rebate on designated cooperative merchants spending"]},"productName":"Citi Plus Account","title":"HK.BA.CITI0001.CITIPLUS","features":{"title":"Features","pros":["<p><strong>MoneyHero Exclusive Offer</strong></p> <ul> \t<li>From 30 November&nbsp;2023 6 p.m. to 8 December 2023 6 p.m., new Citi banking account customers who successfully apply for Citi Plus Account via MoneyHero can enjoy Marshall Emberton Bluetooth Speaker (valued at HK$1,499) / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall Voucher</li> \t<li>Application for the Designated Bank Account should be approved by Citibank on or before 31 January 2024, subject to the Citibank&rsquo;s system records.</li> \t<li><a href=\"https://moneyhero.link/citi-plus-ba-tnc-listing\" target=\"_blank\">Terms and Conditions</a> apply.</li> \t<li><strong>How to redeem MoneyHero exclusive offer?</strong> \t<ul> \t\t<li>Note down your application reference number for reference. You will be asked to upload all required documents when you open the account to facilitate the approval process.</li> \t\t<li><strong>Within 7 days, </strong>please complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Citibank.</li> \t</ul> \t</li> \t<li><strong>Tips:</strong> \t<ul> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer</strong></p> <ul> \t<li><strong>Reward 1 - Up to HK$1,800 Cash Rebate Welcome Offer</strong> \t<ul> \t\t<li>Deposit HK$500,000 or more new fund to enjoy HK$1,800 cash rebate</li> \t<li>Deposit HK$200,000 new fund to enjoy HK$700 cash rebate</li><li>Deposit HK$100,000 new fund to enjoy HK$300 cash rebate</li><li>Deposit HK$50,000 new fund to enjoy HK$100 cash rebate</li>\t<li>For details, please refer to the attached <a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt8e5d5f65c7d3aa1b/6540ad34a036750407c825ab/T_C_NTB_2023_Nov_NNM_FXTD_bundle_offer_final.pdf\">Terms and Conditions</a></li> \t</ul> \t</li> \t<li><strong>Reward 2 - Up to 5.5% USD Time Deposit rate</strong> \t<ul> \t\t<li>New Customers to deposit $50,000 (HKD or equivalent) or above new funds and convert the eligible new funds in designated foreign currencies will enjoy up to 5.5% p.a. preferential rate for USD Time Deposit</ul> \t</li> \t<li><strong>Reward 3 - Spending reward up to HK$500 Cash Rebate</strong> \t<ul> \t\t<li>Cardholders of Citi Plus Debit Mastercard&reg; and Citi Plus Credit Cards who make eligible spending in designated merchants, are entitled to up to 12% Rebate</li> \t</ul> \t</li> \t<li><strong>Reward 4 - Open a stock account online to get HK$500 cash rebate</strong> \t<ul> \t\t<li>HK$0 brokerage fee for HK Stock and US Stock for first 3 months</li> \t\t<li>Transfer in HK/ US/ SH/ SZ stock to earn up to HK$10,000 Cash Reward</li> \t</ul> \t</li> \t<li>Terms and Conditions Apply.</li> </ul>","<p><strong>Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.5% p.a.</strong></p> <ul> <li>Citi Interest Booster is an interest-bearing checking account.</li> <li> Enjoy 1.17% interest rate when you successfully open the account. Earn up to 1.5% extra p.a. by completing destinated missions. </li> <li>Bonus Interest Rate earned for the Mission achieved in the prevailing month will be applied to calculate the Bonus Interest with reference to the Eligible Deposit Amount in the Eligible Account in the next calendar month.</li> <li>Missions include:</li> </ul> <table style=\"width: 100%; height: 108px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; text-align: center;\"><strong>Missions</strong></td> <td style=\"width: 50.8357%; height: 18px; text-align: center;\"><strong>Requirements</strong></td> <td style=\"width: 27.8309%; height: 18px; text-align: center;\"><strong>Monthly Bonus Interest Rate</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; border-top: 1px solid #ededed; height: 18px;\"><strong>Fund in</strong></td> <td style=\"width: 50.8357%; border-top: 1px solid #ededed; height: 18px;\"> <ul> <li>Set your Citi Interest Booster account as your payroll account (credit HK$10,000 or above); OR</li> <li>Set up standing instructions for monthly transfers; OR</li> <li>Transfer from your other accounts via FPS, or via Citi ATMs</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Maintain Balance</strong></td> <td style=\"width: 50.8357%; border-top: 1px solid #ededed; height: 18px;\"> <ul> <li>Maintain a daily balance of at least HK$100,000 in your savings and investment accounts</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Investment &amp; Currency Exchange</strong></td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\"> <ul> <li>Make any three in-app, eligible investment transactions of at least HK$1,000. Eligible transactions include:&nbsp; <ul> <li>investment transactions between foreign currency exchange; Flexi Wealth or mutual fund transactions; or stock trades via the Hong Kong &amp; China Connect - Shanghai and Shenzhen markets</li> </ul> </li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; border-top: 1px solid #ededed; text-align: center;\"><strong>0.6%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Spend</strong></td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\"> <ul> <li>Spend at least HK$4,000 on your Citi Plus Debit Mastercard or Credit card, and repay the balance via the app</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\">&nbsp;</td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\">&nbsp;</td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>Extra 1.5% p.a.</strong></td> </tr> </tbody> </table>","<strong>Citi Plus Account Financial Pointers - Suitable for Beginners</strong> <ul> <li>Wealth Smart: your financial literacy guide designed by experts, with bite-size contents to help you approach investments with greater confidence</li> <li>Wealth Digest: personalized, easy-to-follow pointers to help you along with your investment decisions</li> <li>Money Goal: help you track your personal goal progress</li> </ul>","<p><strong>Investment&nbsp;</strong></p> <p><strong>Buy and sell funds as little as HK$1/US$1</strong></p> <ul> <li>Start investing with Flexi Wealth.</li> <li>Buy and sell funds as little as HK$1/US$1 with no transaction or monthly service fees.</li> <li>Invest using suggested mutual fund portfolios&nbsp;for as little as HK$100, less than the cost of a happy hour drink.</li> <li>Trade stocks on the Hong Kong &amp; China Connect - Shanghai and Shenzhen markets. (You can trade US stocks via the website.)</li> <li>Enjoy HK$500 Cash Rebate for Opening Up a Stock Account <ul> <li>Customers must conduct at least one HK stock buy/sell transaction via Citibank Mobile Stock Services during the first 3 months upon stock account opening</li> </ul> </li> <li>Transfer in HK/US/SH/SZ stock to earn up to HK$10,000 Cash Reward</li> </ul> <p><strong>Stock account - Brokerage fee as low as HK$8/US$1</strong></p> <ul> <li>HK stock trades: HK$8 brokerage fee per transaction</li> <li>US stock trades: US$1 brokerage fee per transaction</li> </ul>","<strong>Citi Plus Debit Mastercard - enjoy up to 1% cash rebate</strong> <ul> <li>Enjoy 1% cash rebate from Citi Plus Debit Mastercard in the first 6 months, and 0.5% afterwards.</li> <li>Use your Citi Plus Debit Mastercard for fee-free international shopping, withdrawals and overseas online shopping websites. You can exchange foreign currencies with the app after activating Citibank Global Wallet.&nbsp;</li> </ul>","<p><strong>MGM Rewards Programme</strong></p> <ul> \t<li>To be eligible for the referral offers, the Referrer (&ldquo;Referrer&rdquo;) must be \t<ul> \t\t<li>(i) an existing Citigold Private Client / Citigold / Citi Priority / Citi Plus / Citibanking<br /> \t\tclient of Citibank (Hong Kong) Limited (&ldquo;Citibank&rdquo;); OR</li> \t\t<li>(ii) an existing principal cardholder of Citi Credit Card issued by Citibank; OR (iii) Citi Credit Card<br /> \t\tapplicant who submitted the card application within the Promotion Period and successfully approved by Citibank on or before February 29, 2024;</li> \t</ul> \t</li> \t<li>Within the Promotion Period, the Referrer and the Referee will be eligible for the following Referral offers (&ldquo;Referral Offers&rdquo;), upon Referrer reaching a&nbsp;Successful Referral: \t<ul> \t\t<li>Both successful Referrers and&nbsp;Referees are entitled to a&nbsp;HK$250 Cash Rebate upon successfully referring the Referee to open Citi Plus banking&nbsp;account only</li> \t\t<li>Both successful Referrers and&nbsp;Referees are entitled to a&nbsp;HK$500 Cash Rebate upon successfully referring the Referee to open both Citi Plus&nbsp;banking account and&nbsp;Citi Rewards&nbsp;Mastercard, Citi Octopus Platinum Card, or&nbsp;Citi Plus Credit Card</li> \t</ul> \t</li> \t<li>Terms and Conditions Apply.</li> </ul>","<strong>Outward remittance fee waived via Citibank Global Transfer</strong> <ul> <li>Transfer fund to your overseas Citi accounts or third-party Citi accounts via Citi Global Transfer to enjoy $0 handling fee.</li> </ul>","<strong>No minimum balance requirement when you successfully open the account online</strong>"],"cons":["<p><strong>MoneyHero exclusive offer and Welcome Offer are only applicable to new customers who do not have any or do not cancel any banking relationship within the past 12 months. Not applicable to e to existing Citibanking or Citi Priority banking relationship whose relationship is transferred to Citi Plus banking relationship. </strong></p> </ul>","<p><strong>For the deposit beyond HK$300,000, only the prevailing board rate shall apply.</strong></p> </ul>","<strong>Only open to anyone who doesn&rsquo;t currently have bank account(s) with Citibank for registration</strong> <ul> <li>Customers must not have savings, checking, investment or step-up interest accounts.</li> <li>Exisitng customers who are eligible for Citi Plus Account will be invited to transfer to “Citi Plus” service in phases.</li> </ul>","<strong>Account Opening Requirement</strong> <ul> <li>You must be aged 18 or above and hold a valid Hong Kong permanent identity card.</li> <li>You must reside in Hong Kong.</li> <li>You must have a permanent Hong Kong address.</li> </ul>","<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;\">Waived</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;\">Waived</td> </tr> </tbody> </table>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"0","description":{"shortDescription":"","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168263, hs_is_edited=false, hs_deleted_at=0, productname=Citi Plus Account, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero Exclusive Offer, heading=Promotions, welcome_offer= Welcome Offer, show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168070111, hs_child_table_id=0, hs_updated_at=1701338717386, hs_published_at=1721692821338, productid=blte1113e2e96a10348_15_en-hk, data={"__typename":"BankAccount","id":"blte1113e2e96a10348_15_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png","description":null,"dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Best offer in town! Till 8 December] </strong>Get<strong> </strong><span><strong>Marshall Emberton Bluetooth Speaker (valued at HK$1,499)</strong></span><strong></strong><span><strong> / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / </strong></span><strong>HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall e-Gift Voucher </strong>exclusively from MoneyHero; deposit dedicated new fund to enjoy <strong>up to HK$1,800 cash rebate</strong> and exclusive offer with <strong>total rewards up to HK$3,299!</strong>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt61077750ffcabd2c/65558a022e0ea1e409178f2c/20231120_[BKA]_Citiplus_upgraded_offer_-_Marshall_(Nov_2023)_D-PJ23_0795_Campaign-V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":null},"countdown":{"text":"Last Chance","displayProductPage":true,"date":{"startDate":null,"endDate":"2023-02-28T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-1500,"displayValue":"1.5","tooltip":null,"description":"with designated requirements","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-3299000,"displayValue":"3,299","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1wbHVzLWJhLWVuLXJw.OmPHlx7Pbl0sfTk9fZmSwu4g6Y4VQidILryjCgP1fhHGrePZ_4BiNwQvj8jDmSY54G0M4WdqsTLaowKmd-56Cw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["3.5% p.a. Foreign Currency 1-month Time Deposit","Up to 12% rebate on designated cooperative merchants spending"]},"productName":"Citi Plus Account","title":"HK.BA.CITI0001.CITIPLUS","features":{"title":"Features","pros":["<p><strong>MoneyHero Exclusive Offer</strong></p> <ul> \t<li>From 30 November&nbsp;2023 6 p.m. to 8 December 2023 6 p.m., new Citi banking account customers who successfully apply for Citi Plus Account via MoneyHero can enjoy Marshall Emberton Bluetooth Speaker (valued at HK$1,499) / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall Voucher</li> \t<li>Application for the Designated Bank Account should be approved by Citibank on or before 31 January 2024, subject to the Citibank&rsquo;s system records.</li> \t<li><a href=\"https://moneyhero.link/citi-plus-ba-tnc-listing\" target=\"_blank\">Terms and Conditions</a> apply.</li> \t<li><strong>How to redeem MoneyHero exclusive offer?</strong> \t<ul> \t\t<li>Note down your application reference number for reference. You will be asked to upload all required documents when you open the account to facilitate the approval process.</li> \t\t<li><strong>Within 7 days, </strong>please complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Citibank.</li> \t</ul> \t</li> \t<li><strong>Tips:</strong> \t<ul> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer</strong></p> <ul> \t<li><strong>Reward 1 - Up to HK$1,800 Cash Rebate Welcome Offer</strong> \t<ul> \t\t<li>Deposit HK$500,000 or more new fund to enjoy HK$1,800 cash rebate</li> \t<li>Deposit HK$200,000 new fund to enjoy HK$700 cash rebate</li><li>Deposit HK$100,000 new fund to enjoy HK$300 cash rebate</li><li>Deposit HK$50,000 new fund to enjoy HK$100 cash rebate</li>\t<li>For details, please refer to the attached <a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt8e5d5f65c7d3aa1b/6540ad34a036750407c825ab/T_C_NTB_2023_Nov_NNM_FXTD_bundle_offer_final.pdf\">Terms and Conditions</a></li> \t</ul> \t</li> \t<li><strong>Reward 2 - Up to 5.5% USD Time Deposit rate</strong> \t<ul> \t\t<li>New Customers to deposit $50,000 (HKD or equivalent) or above new funds and convert the eligible new funds in designated foreign currencies will enjoy up to 5.5% p.a. preferential rate for USD Time Deposit</ul> \t</li> \t<li><strong>Reward 3 - Spending reward up to HK$500 Cash Rebate</strong> \t<ul> \t\t<li>Cardholders of Citi Plus Debit Mastercard&reg; and Citi Plus Credit Cards who make eligible spending in designated merchants, are entitled to up to 12% Rebate</li> \t</ul> \t</li> \t<li><strong>Reward 4 - Open a stock account online to get HK$500 cash rebate</strong> \t<ul> \t\t<li>HK$0 brokerage fee for HK Stock and US Stock for first 3 months</li> \t\t<li>Transfer in HK/ US/ SH/ SZ stock to earn up to HK$10,000 Cash Reward</li> \t</ul> \t</li> \t<li>Terms and Conditions Apply.</li> </ul>","<p><strong>Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.5% p.a.</strong></p> <ul> <li>Citi Interest Booster is an interest-bearing checking account.</li> <li> Enjoy 1.17% interest rate when you successfully open the account. Earn up to 1.5% extra p.a. by completing destinated missions. </li> <li>Bonus Interest Rate earned for the Mission achieved in the prevailing month will be applied to calculate the Bonus Interest with reference to the Eligible Deposit Amount in the Eligible Account in the next calendar month.</li> <li>Missions include:</li> </ul> <table style=\"width: 100%; height: 108px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; text-align: center;\"><strong>Missions</strong></td> <td style=\"width: 50.8357%; height: 18px; text-align: center;\"><strong>Requirements</strong></td> <td style=\"width: 27.8309%; height: 18px; text-align: center;\"><strong>Monthly Bonus Interest Rate</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; border-top: 1px solid #ededed; height: 18px;\"><strong>Fund in</strong></td> <td style=\"width: 50.8357%; border-top: 1px solid #ededed; height: 18px;\"> <ul> <li>Set your Citi Interest Booster account as your payroll account (credit HK$10,000 or above); OR</li> <li>Set up standing instructions for monthly transfers; OR</li> <li>Transfer from your other accounts via FPS, or via Citi ATMs</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Maintain Balance</strong></td> <td style=\"width: 50.8357%; border-top: 1px solid #ededed; height: 18px;\"> <ul> <li>Maintain a daily balance of at least HK$100,000 in your savings and investment accounts</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Investment &amp; Currency Exchange</strong></td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\"> <ul> <li>Make any three in-app, eligible investment transactions of at least HK$1,000. Eligible transactions include:&nbsp; <ul> <li>investment transactions between foreign currency exchange; Flexi Wealth or mutual fund transactions; or stock trades via the Hong Kong &amp; China Connect - Shanghai and Shenzhen markets</li> </ul> </li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; border-top: 1px solid #ededed; text-align: center;\"><strong>0.6%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\"><strong>Spend</strong></td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\"> <ul> <li>Spend at least HK$4,000 on your Citi Plus Debit Mastercard or Credit card, and repay the balance via the app</li> </ul> </td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>0.3%</strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"width: 21.3333%; height: 18px; border-top: 1px solid #ededed;\">&nbsp;</td> <td style=\"width: 50.8357%; height: 18px; border-top: 1px solid #ededed;\">&nbsp;</td> <td style=\"width: 27.8309%; height: 18px; text-align: center; border-top: 1px solid #ededed;\"><strong>Extra 1.5% p.a.</strong></td> </tr> </tbody> </table>","<strong>Citi Plus Account Financial Pointers - Suitable for Beginners</strong> <ul> <li>Wealth Smart: your financial literacy guide designed by experts, with bite-size contents to help you approach investments with greater confidence</li> <li>Wealth Digest: personalized, easy-to-follow pointers to help you along with your investment decisions</li> <li>Money Goal: help you track your personal goal progress</li> </ul>","<p><strong>Investment&nbsp;</strong></p> <p><strong>Buy and sell funds as little as HK$1/US$1</strong></p> <ul> <li>Start investing with Flexi Wealth.</li> <li>Buy and sell funds as little as HK$1/US$1 with no transaction or monthly service fees.</li> <li>Invest using suggested mutual fund portfolios&nbsp;for as little as HK$100, less than the cost of a happy hour drink.</li> <li>Trade stocks on the Hong Kong &amp; China Connect - Shanghai and Shenzhen markets. (You can trade US stocks via the website.)</li> <li>Enjoy HK$500 Cash Rebate for Opening Up a Stock Account <ul> <li>Customers must conduct at least one HK stock buy/sell transaction via Citibank Mobile Stock Services during the first 3 months upon stock account opening</li> </ul> </li> <li>Transfer in HK/US/SH/SZ stock to earn up to HK$10,000 Cash Reward</li> </ul> <p><strong>Stock account - Brokerage fee as low as HK$8/US$1</strong></p> <ul> <li>HK stock trades: HK$8 brokerage fee per transaction</li> <li>US stock trades: US$1 brokerage fee per transaction</li> </ul>","<strong>Citi Plus Debit Mastercard - enjoy up to 1% cash rebate</strong> <ul> <li>Enjoy 1% cash rebate from Citi Plus Debit Mastercard in the first 6 months, and 0.5% afterwards.</li> <li>Use your Citi Plus Debit Mastercard for fee-free international shopping, withdrawals and overseas online shopping websites. You can exchange foreign currencies with the app after activating Citibank Global Wallet.&nbsp;</li> </ul>","<p><strong>MGM Rewards Programme</strong></p> <ul> \t<li>To be eligible for the referral offers, the Referrer (&ldquo;Referrer&rdquo;) must be \t<ul> \t\t<li>(i) an existing Citigold Private Client / Citigold / Citi Priority / Citi Plus / Citibanking<br /> \t\tclient of Citibank (Hong Kong) Limited (&ldquo;Citibank&rdquo;); OR</li> \t\t<li>(ii) an existing principal cardholder of Citi Credit Card issued by Citibank; OR (iii) Citi Credit Card<br /> \t\tapplicant who submitted the card application within the Promotion Period and successfully approved by Citibank on or before February 29, 2024;</li> \t</ul> \t</li> \t<li>Within the Promotion Period, the Referrer and the Referee will be eligible for the following Referral offers (&ldquo;Referral Offers&rdquo;), upon Referrer reaching a&nbsp;Successful Referral: \t<ul> \t\t<li>Both successful Referrers and&nbsp;Referees are entitled to a&nbsp;HK$250 Cash Rebate upon successfully referring the Referee to open Citi Plus banking&nbsp;account only</li> \t\t<li>Both successful Referrers and&nbsp;Referees are entitled to a&nbsp;HK$500 Cash Rebate upon successfully referring the Referee to open both Citi Plus&nbsp;banking account and&nbsp;Citi Rewards&nbsp;Mastercard, Citi Octopus Platinum Card, or&nbsp;Citi Plus Credit Card</li> \t</ul> \t</li> \t<li>Terms and Conditions Apply.</li> </ul>","<strong>Outward remittance fee waived via Citibank Global Transfer</strong> <ul> <li>Transfer fund to your overseas Citi accounts or third-party Citi accounts via Citi Global Transfer to enjoy $0 handling fee.</li> </ul>","<strong>No minimum balance requirement when you successfully open the account online</strong>"],"cons":["<p><strong>MoneyHero exclusive offer and Welcome Offer are only applicable to new customers who do not have any or do not cancel any banking relationship within the past 12 months. Not applicable to e to existing Citibanking or Citi Priority banking relationship whose relationship is transferred to Citi Plus banking relationship. </strong></p> </ul>","<p><strong>For the deposit beyond HK$300,000, only the prevailing board rate shall apply.</strong></p> </ul>","<strong>Only open to anyone who doesn&rsquo;t currently have bank account(s) with Citibank for registration</strong> <ul> <li>Customers must not have savings, checking, investment or step-up interest accounts.</li> <li>Exisitng customers who are eligible for Citi Plus Account will be invited to transfer to “Citi Plus” service in phases.</li> </ul>","<strong>Account Opening Requirement</strong> <ul> <li>You must be aged 18 or above and hold a valid Hong Kong permanent identity card.</li> <li>You must reside in Hong Kong.</li> <li>You must have a permanent Hong Kong address.</li> </ul>","<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;\">Waived</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;\">Waived</td> </tr> </tbody> </table>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"0","description":{"shortDescription":"","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168263, hs_is_edited=false, hs_deleted_at=0, productname=Citi Plus Account, hs_updated_by_user_id=60412388}, id=59168070111, table_id=4701663, table_name=product_moneyhero})

Citigold Account

Citigold Account

Minimum Opening Balance

HK$1.5 mil

Rewards

New customer can enjoy welcome offers valued up to HK$41,600 upon fulfilling specific requirements!
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=<p>HK$1.5 mil</p>}], 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={id=59168070112, table_id=4701663, table_name=product_moneyhero, columns={hs_id=59168070112, hs_child_table_id=0, hs_updated_at=1718776865523, hs_published_at=1721692821338, productid=bltf846b6dd3d550078_25_en-hk, data={"__typename":"BankAccount","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},"featured":true,"promotional":{"bannerText":"New customer can enjoy welcome offers valued <strong>up to HK$41,600</strong> upon fulfilling specific requirements!","bannerImage":null,"countdown":{"text":"Last","displayProductPage":false,"date":{"startDate":"2023-04-17T04:00:00.000Z","endDate":"2023-04-28T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1500000000,"displayValue":"1,500,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-41600000,"displayValue":"41,600","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEarAFodHRwczovL2Zvcm0tcmV3YXJkcy5tb25leWhlcm8uY29tLmhrL3YyLz9xPU1qZzBOaU01WkdaallqSTFaVFUzWXpSbVlUTmlOVFl4WVRFNFlqVmhZV1ppWTJaaFpBPT0mc291cmNlPXJlc3VsdC1wYWdlJmxhbmc9ZW4mcHJvZHVjdF9pZD1ISy5CQS5DSVRJMDAwOC5DSVRJQkFOS1BBWVJPTExBQ0NPVU5U.A5DOOSWLH-SKxLDFB2c4nZhzAsLHCJdsWgGidgajK5l3zb_JFa5xb4jZv-_xG72YKSKmGJ2F1jUlPZZpC-wKBw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["Time Deposit Rate\n</br>HK$ Time Deposit: Up to 4.8% for Citigold bank account and Up to 5.0% for Citigold Private Client \n</br>Foreign Currency Time Deposit: Up to 6%"]},"productName":"Citigold Account","title":"HK.BA.CITI0008.CITIBANKPAYROLLACCOUNT","features":{"title":"Features","pros":["<p><strong>Account Opening Offer - Up to HK$41,600 Cash Rebate</strong></p> <ul> <li><strong>Digital Channel Offer - HK$500 Cash Rebate</strong><br />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:</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; 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_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168280, hs_is_edited=false, hs_deleted_at=0, productname=Citigold Account, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168070112, hs_child_table_id=0, hs_updated_at=1718776865523, hs_published_at=1721692821338, productid=bltf846b6dd3d550078_25_en-hk, data={"__typename":"BankAccount","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},"featured":true,"promotional":{"bannerText":"New customer can enjoy welcome offers valued <strong>up to HK$41,600</strong> upon fulfilling specific requirements!","bannerImage":null,"countdown":{"text":"Last","displayProductPage":false,"date":{"startDate":"2023-04-17T04:00:00.000Z","endDate":"2023-04-28T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1500000000,"displayValue":"1,500,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-41600000,"displayValue":"41,600","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEarAFodHRwczovL2Zvcm0tcmV3YXJkcy5tb25leWhlcm8uY29tLmhrL3YyLz9xPU1qZzBOaU01WkdaallqSTFaVFUzWXpSbVlUTmlOVFl4WVRFNFlqVmhZV1ppWTJaaFpBPT0mc291cmNlPXJlc3VsdC1wYWdlJmxhbmc9ZW4mcHJvZHVjdF9pZD1ISy5CQS5DSVRJMDAwOC5DSVRJQkFOS1BBWVJPTExBQ0NPVU5U.A5DOOSWLH-SKxLDFB2c4nZhzAsLHCJdsWgGidgajK5l3zb_JFa5xb4jZv-_xG72YKSKmGJ2F1jUlPZZpC-wKBw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["Time Deposit Rate\n</br>HK$ Time Deposit: Up to 4.8% for Citigold bank account and Up to 5.0% for Citigold Private Client \n</br>Foreign Currency Time Deposit: Up to 6%"]},"productName":"Citigold Account","title":"HK.BA.CITI0008.CITIBANKPAYROLLACCOUNT","features":{"title":"Features","pros":["<p><strong>Account Opening Offer - Up to HK$41,600 Cash Rebate</strong></p> <ul> <li><strong>Digital Channel Offer - HK$500 Cash Rebate</strong><br />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:</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; 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_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168280, hs_is_edited=false, hs_deleted_at=0, productname=Citigold Account, hs_updated_by_user_id=60412388}, id=59168070112, table_id=4701663, table_name=product_moneyhero})

How can I open an HSBC account online?

HSBC is one of the largest banks in Hong Kong, with a history spanning over 150 years in the region. HSBC delivers highly accessible banking tailored to local residents and expatriates alike.

With over 400 branches and service points across Hong Kong, HSBC is one of the most convenient banks if you need in-person help often. As it is presence is so ubiquitous, it does not participate in the Jetco network, bank users can access cash and ATM services from HSBC and Hang Seng ATMs.

You can apply to open the following HSBC bank accounts with the HSBC app:

  Relationship Balance Requirement Under Balance Fee
(per month)
Special Services
HSBC one N/A N/A
  • Up to extra 3% p.a. for new HSBC account holders in subsequent 2 months after account opening
  • Spend and save in up to 12 currencies in one account and enjoy 0.4% rebate when spending with a dedicated debit card.
HSBC Premier HK$1mil HK$380
  • Under balance fee waived for first 6 months of account opening.
  • Citibank Global Transfer - instant and fee-free global money transfers online

 

Documents needed to open an HSBC account

  1. HKID/Travel documents
  2. Proof of Address

 

Steps to open an HSBC account online (in-app)

  1. Start the application process on your HSBC app
  2. Take a photo of your HKID Card
  3. Take a selfie for identity verification
  4. Fill in personal details
  5. Tap 'Setup online banking now' to create your online banking account

Opening a Hong Kong HSBC account from overseas

To open a Hong Kong HSBC bank account as an international customer, you must hold an eligible HKID or passport, be aged between 18-64 and reside in one of the following regions:

  • Australia
  • Canada
  • Macau
  • Singapore
  • The United Kingdom
  • The United States of America

The bank may ask for further documents to support your application.

 

HSBC Premier

HSBC Premier

Minimum Opening Balance

HK$1.5 mil

Rewards

[Till 30 Jun] Enjoy up to welcome offer valued up to HK$48,000 upon fulfilling specific requirements!
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=<p>HK$1.5 mil</p>}], 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={id=59168070116, table_id=4701663, table_name=product_moneyhero, columns={hs_id=59168070116, hs_child_table_id=0, hs_updated_at=1704708431167, hs_published_at=1721692821338, productid=blt25e29c30cbd4a953_5_en-hk, data={"__typename":"BankAccount","id":"blt25e29c30cbd4a953_5_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt4ee2fa2ed5c60d39/5f83ddb71529bb3239a1d782/HSBC.png","description":null,"dimension":null},"featured":false,"promotional":{"bannerText":"<strong>[Till 30 Jun] </strong>Enjoy up to welcome offer valued up to <strong>HK$48,000</strong> upon fulfilling specific requirements!","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1000000000,"displayValue":"1,000,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-48000000,"displayValue":"48,000","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"hsbc","providerName":"HSBC"},"description":{"shortDescription":[]},"productName":"HSBC Premier","title":"HK.BA.HSBC0008.HSBCPREMIER","features":{"title":"Features","pros":["<p><strong>Welcome Offer - up to HK$48,000 rewards</strong></p> <ul> <li>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.</li> <li><a href=\"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/premier/premier-mass-acq-tnc.pdf\" target=\"_blank\">Terms and Conditions</a> apply.</li> </ul> <p><strong>Referral Offer - up to HK$7,500 cash rewards</strong></p> <ul> <li>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.</li> <li><a href=\"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/premier/2023-premier-mgm-w1-term-and-conditions.pdf\" target=\"_blank\">Terms and Conditions</a> apply.</li> </ul>","Enjoy First 6-month Below Balance Fee Waiver"],"cons":["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<ul><li>With Risk Profiling Questionnaire (RPQ) completed on or before the last day of the first calendar month after the month of account opening/ conversion</li><li>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</li>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1000000","description":{"shortDescription":"HK$1,000,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721001621997, hs_created_at=1672893168340, hs_is_edited=false, hs_deleted_at=0, productname=HSBC Premier, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168070116, hs_child_table_id=0, hs_updated_at=1704708431167, hs_published_at=1721692821338, productid=blt25e29c30cbd4a953_5_en-hk, data={"__typename":"BankAccount","id":"blt25e29c30cbd4a953_5_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt4ee2fa2ed5c60d39/5f83ddb71529bb3239a1d782/HSBC.png","description":null,"dimension":null},"featured":false,"promotional":{"bannerText":"<strong>[Till 30 Jun] </strong>Enjoy up to welcome offer valued up to <strong>HK$48,000</strong> upon fulfilling specific requirements!","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1000000000,"displayValue":"1,000,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-48000000,"displayValue":"48,000","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"hsbc","providerName":"HSBC"},"description":{"shortDescription":[]},"productName":"HSBC Premier","title":"HK.BA.HSBC0008.HSBCPREMIER","features":{"title":"Features","pros":["<p><strong>Welcome Offer - up to HK$48,000 rewards</strong></p> <ul> <li>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.</li> <li><a href=\"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/premier/premier-mass-acq-tnc.pdf\" target=\"_blank\">Terms and Conditions</a> apply.</li> </ul> <p><strong>Referral Offer - up to HK$7,500 cash rewards</strong></p> <ul> <li>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.</li> <li><a href=\"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/premier/2023-premier-mgm-w1-term-and-conditions.pdf\" target=\"_blank\">Terms and Conditions</a> apply.</li> </ul>","Enjoy First 6-month Below Balance Fee Waiver"],"cons":["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<ul><li>With Risk Profiling Questionnaire (RPQ) completed on or before the last day of the first calendar month after the month of account opening/ conversion</li><li>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</li>"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1000000","description":{"shortDescription":"HK$1,000,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721001621997, hs_created_at=1672893168340, hs_is_edited=false, hs_deleted_at=0, productname=HSBC Premier, hs_updated_by_user_id=60412388}, id=59168070116, table_id=4701663, table_name=product_moneyhero})

How can I open a Standard Chartered account online?

 

Similar to HSBC, Standard Chartered has a long history of presence in Hong Kong, with over 50 branches in the city. Standard Chartered offers three levels of retail banking, with two of them available free of maintenance fees even under the relationship balance requirement.

Standard Chartered ATMs are part of the Jetco network, so account holders can easily access cash and ATM services at one of 3000 ATMs across Hong Kong.

You can apply to open the following Standard Chartered bank accounts with the SC Mobile App :

  Relationship Balance Requirement Under Balance Fee
(per quarter)
Special Services
Easy Banking N/A N/A
  • Use your credit to send money locally with the SCB Smart Card for free (first HK$80k)
  • New users can choose between receiving Asia Miles or Cash Rebate for their Bonus Payroll Account welcome offer 
Premium Banking HK$200k N/A
  • Designated customer service hotline
  • Marathon Savings Account to enjoy up to 6% p.a. interest
  • MPF, insurance advice services
Priority Banking HK$1 mil. HK$900
  • Global recognition for Priority banking status
  • Cross-border witnessing service for account opening
  • Dedicated debit card only available to the Priority tier for spending foreign currencies in Integrated Deposits Account

 

Documents needed to open a Standard Chartered account

  1. HKID/Travel documents
  2. Proof of Address

 

Steps to open an HSBC account online (in-app)

  1. Start the application process on your Standard Chartered app
  2. Take a photo of your HKID Card
  3. Take a selfie for identity verification
  4. Fill in personal details
  5. Set up online banking details

Standard Chartered Premium Banking Account

Standard Chartered Premium Banking Account

Minimum Opening Balance

HK$200k
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=HK$200k}], comparables=[MIN_DEPOSIT], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=59168070125, table_id=4701663, table_name=product_moneyhero, columns={hs_id=59168070125, hs_child_table_id=0, hs_updated_at=1717080609368, hs_published_at=1721692821338, productid=bltb5a5ffdc5824e68b_6_en-hk, data={"__typename":"BankAccount","id":"bltb5a5ffdc5824e68b_6_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png","description":null,"dimension":null},"featured":false,"promotional":null,"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":200000000,"displayValue":"200,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-1,"displayValue":"0.001","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-900000,"displayValue":"900","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["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"]},"productName":"Standard Chartered Premium Banking Account","title":"HK.BA.STCH0002.PREMIUMBANKINGSALARYBONUSPACK","features":{"title":"Features","pros":["<strong>New Funds Growth Offer - Earn up to HK$900 Cash Rebate or 9,000 Asia Miles for designated new funds deposited</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50 px; width: 40%;\"><strong>New Funds Growth Amount</strong></td> <td style=\"text-align: center; height: 50px;\"> <p><strong>Cash Rebate / Asia Miles</strong></p> </td> </tr> <tr style=\"height: 51px;\"> <td style=\"height: 51px; text-align: left;\">HK$800,000 or above</td> <td style=\"text-align: center;\">HK$900 / 9,000 Asia Miles</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">HK$500,000 to less than HK$800,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$700 / 7,000 Asia Miles</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">HK$200,000 to less than HK$500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500 / 5,000 Asia Miles</td> </tr> </tbody> </table>","<p><strong>1.88% p.a. HKD Preferential Savings Interest Rate Offer</strong></p> <ul> <li>Customers are required to fulfill ALL of the requirements in the following sub-clauses in order to enjoy the Preferential Savings Interest Rate Offer: <ul> <li>Successfully submit an application for, and open, an Integrated Deposit Account (\"IDA\") via SC Mobile during the Promotion Period; AND</li> <li>When the IDA has been successfully opened, complete the account setup and sign up for the Promotion via<br />SC Mobile within 30 days after submitting the application; AND</li> <li>Successfully sign up for Priority Banking or Premium Banking or Easy Banking via SC Mobile during the<br />Promotion Period</li> </ul> </li> <li>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<br />business days after successfully signing up for Priority Banking or Premium Banking or Easy Banking via SC Mobile: </li> </ul> <table style=\"width: 100%; height: 118px;\"> <tbody> <tr style=\"height: 35px;\"> <td style=\"height: 35px; width: 40%; text-align: center;\"><strong>Daily balance in the Designated HKD</strong><br /><strong>Savings Account</strong></td> <td style=\"text-align: center; height: 50px; width: 60%;\"><strong>Savings rate applicable to the corresponding balance tier </strong></td> </tr> <tr style=\"height: 35px;\"> <td style=\"height: 35px; border-top: 1px solid #ededed; width: 40%; text-align: center;\">HK$1 to HK$50,000</td> <td style=\"width: 60%; height: 50px; text-align: center; border-top: 1px solid #ededed\" width=\"342\">Preferential Savings Rate: 1.88% p.a.</td> </tr> <tr> <td style=\"height: 35px; border-top: 1px solid #ededed; width: 40%; text-align: center;\">HK$50,000 above</td> <td style=\"height: 35px; width: 60%; text-align: center; border-top: 1px solid #ededed\">Prevailing Savings Rate: 0.001% p.a.</td> </tr> </tbody> </table>","<strong>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</li></ul>","Transfer to UK and Euro zone countries earliest within the same day. Online fund transfer to 6 countries zones with $0 service fee.<ul><li>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).</li><li>UK and Euro zone countries : available earliest within the same day; Singapore, Australia, Canada and the US : available earliest on the next day</li></ul>"],"cons":["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.","<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;\">Free</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$5 per month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Account closed by customer within 3 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$200</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":"200000","description":{"shortDescription":"HK$200,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168474, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Premium Banking Account, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168070125, hs_child_table_id=0, hs_updated_at=1717080609368, hs_published_at=1721692821338, productid=bltb5a5ffdc5824e68b_6_en-hk, data={"__typename":"BankAccount","id":"bltb5a5ffdc5824e68b_6_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png","description":null,"dimension":null},"featured":false,"promotional":null,"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":200000000,"displayValue":"200,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-1,"displayValue":"0.001","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-900000,"displayValue":"900","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["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"]},"productName":"Standard Chartered Premium Banking Account","title":"HK.BA.STCH0002.PREMIUMBANKINGSALARYBONUSPACK","features":{"title":"Features","pros":["<strong>New Funds Growth Offer - Earn up to HK$900 Cash Rebate or 9,000 Asia Miles for designated new funds deposited</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50 px; width: 40%;\"><strong>New Funds Growth Amount</strong></td> <td style=\"text-align: center; height: 50px;\"> <p><strong>Cash Rebate / Asia Miles</strong></p> </td> </tr> <tr style=\"height: 51px;\"> <td style=\"height: 51px; text-align: left;\">HK$800,000 or above</td> <td style=\"text-align: center;\">HK$900 / 9,000 Asia Miles</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">HK$500,000 to less than HK$800,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$700 / 7,000 Asia Miles</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">HK$200,000 to less than HK$500,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$500 / 5,000 Asia Miles</td> </tr> </tbody> </table>","<p><strong>1.88% p.a. HKD Preferential Savings Interest Rate Offer</strong></p> <ul> <li>Customers are required to fulfill ALL of the requirements in the following sub-clauses in order to enjoy the Preferential Savings Interest Rate Offer: <ul> <li>Successfully submit an application for, and open, an Integrated Deposit Account (\"IDA\") via SC Mobile during the Promotion Period; AND</li> <li>When the IDA has been successfully opened, complete the account setup and sign up for the Promotion via<br />SC Mobile within 30 days after submitting the application; AND</li> <li>Successfully sign up for Priority Banking or Premium Banking or Easy Banking via SC Mobile during the<br />Promotion Period</li> </ul> </li> <li>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<br />business days after successfully signing up for Priority Banking or Premium Banking or Easy Banking via SC Mobile: </li> </ul> <table style=\"width: 100%; height: 118px;\"> <tbody> <tr style=\"height: 35px;\"> <td style=\"height: 35px; width: 40%; text-align: center;\"><strong>Daily balance in the Designated HKD</strong><br /><strong>Savings Account</strong></td> <td style=\"text-align: center; height: 50px; width: 60%;\"><strong>Savings rate applicable to the corresponding balance tier </strong></td> </tr> <tr style=\"height: 35px;\"> <td style=\"height: 35px; border-top: 1px solid #ededed; width: 40%; text-align: center;\">HK$1 to HK$50,000</td> <td style=\"width: 60%; height: 50px; text-align: center; border-top: 1px solid #ededed\" width=\"342\">Preferential Savings Rate: 1.88% p.a.</td> </tr> <tr> <td style=\"height: 35px; border-top: 1px solid #ededed; width: 40%; text-align: center;\">HK$50,000 above</td> <td style=\"height: 35px; width: 60%; text-align: center; border-top: 1px solid #ededed\">Prevailing Savings Rate: 0.001% p.a.</td> </tr> </tbody> </table>","<strong>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</li></ul>","Transfer to UK and Euro zone countries earliest within the same day. Online fund transfer to 6 countries zones with $0 service fee.<ul><li>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).</li><li>UK and Euro zone countries : available earliest within the same day; Singapore, Australia, Canada and the US : available earliest on the next day</li></ul>"],"cons":["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.","<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;\">Free</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$5 per month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Account closed by customer within 3 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed;\">HK$200</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":"200000","description":{"shortDescription":"HK$200,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168474, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Premium Banking Account, hs_updated_by_user_id=60412388}, id=59168070125, table_id=4701663, table_name=product_moneyhero})

 

 

How can I open a China CITIC Bank account online?

A relative newcomer to the Hong Kong bank market, China CITIC has over 20 branches in the city. Bringing with it ties with the mainland, China CITIC prides itself on offering market news and insights provided by its own securities brokerage firm, which is backed by the largest capitalised Mainland securities house. 

CITIC bank account holders can access one of the 3000 Jetco ATMs in Hong Kong to withdraw cash and access ATM services. 

You can apply to open the following China CITIC bank accounts with the CITIC inMotion App :

  Relationship Balance Requirement Under Balance Fee
(per quarter)
Special Services
inMotion N/A N/A
  • MONOPOLY Deposit - get up to 7.28% p.a. interest
  • PAYROLLplus Account get a  preferential rate of 2.5% for up to 12 months
CITICfirst HK$1 mil. N/A
  • Designated customer service hotline
  • Marathon Savings Account to enjoy up to 6% p.a. interest
  • MPF, insurance advice services

 

Documents needed to open a CITIC bank account

  1. HKID/Travel documents

 

Steps to open a CITIC bank account online (in-app)

  1. Start the application process on your inMotion app
  2. Follow the instructions to take a photo of your HKID Card
  3. Take a selfie for identity verification
  4. Select the account(s)
  5. Fill in the required information and confirm

 

CNCBI CITICfirst Service

CNCBI CITICfirst Service

Minimum Opening Balance

HK$1 mil.

Rewards

[Till 21 April 2024 6 p.m.] New customer can enjoy MoneyHero Exclusive Offer of Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348) OR DeLonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (HK$3,288; random color) OR Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,999) OR HK$1,600 Apple Store Gift Card / Wellcome Shopping Voucher upon joining CITICfirst service with promo code “24MHCF01” via inMotion, and deposit HK$1,000,000 or above while maintaining the specific new fund amount till the designated date.
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=HK$1 mil.}], comparables=[MIN_DEPOSIT_AMOUNT], 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={id=61500013535, table_id=4701663, table_name=product_moneyhero, columns={hs_id=61500013535, hs_child_table_id=0, hs_updated_at=1711599612175, hs_published_at=1721692821338, productid=blt8a74ada86a1c18a6_23_en-hk, data={"__typename":"BankAccount","id":"blt8a74ada86a1c18a6_23_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt3ce81b937fa9d63d/63da0ee227e8ed165f5ac608/Citicfirst_Logo.jpg","description":null,"dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Till 21 April 2024 6 p.m.]</strong>&nbsp;New customer can enjoy MoneyHero Exclusive Offer of <strong>Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348) OR </strong><span><strong>DeLonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (HK$3,288; random color)</strong></span><strong> OR Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,999) OR HK$1,600 Apple Store Gift Card / Wellcome Shopping Voucher </strong>upon joining CITIC<em>first</em> service with promo code “<strong>24MHCF01</strong>” via inMotion, and deposit HK$1,000,000 or above while maintaining the specific new fund amount till the designated date.<span></span>","bannerImage":null,"countdown":{"text":"Last Chance","displayProductPage":true,"date":{"startDate":null,"endDate":"2023-01-31T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1000000000,"displayValue":"1,000,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-140699000,"displayValue":"140,699","tooltip":null,"description":"Join CITIC𝘧𝘪𝘳𝘴𝘵 to enjoy Welcome Reward up to HK$140,699","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aWNmaXJzdC1iYS1lbi1ycA.G5VEnUlKp6unf62udRTrJJHdUOyD2fi1l7wouV6C6Uyxz0THvXUuHrRJefZ-Wmy4FgG9viI6QArDH30qso8cAA","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"china-citic-bank","providerName":"China CITIC Bank International"},"description":{"shortDescription":["CITIC<em>first</em> Welcome Reward up to HK$140,699\n"]},"productName":"CNCBI CITICfirst Service","title":"HK.BA.CCBI0005.CITICFIRSTPAYROLLPLUSACCOUNT","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>From 1 March 2024 12 noon till 21 April 2024 6 p.m., new customers who successfully join CITIC<em>first</em> service via inMotion by using MoneyHero promo code &quot;<strong>24MHCF01</strong>&quot; and fulfilling the following requirements are entitled to Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348) OR DeLonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (HK$3,288; random color) OR Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,999) OR HK$1,600 Apple Store Gift Card / Wellcome Shopping Voucher.</li> </ul> <table style=\"height:194px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:29.0509%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\">From 1 March 2024 12 noon till 21 April 2024 6 p.m.</td> \t\t\t<td style=\"height:50px; width:43.8343%\"> \t\t\t<p>New customers who successfully joined CITIC<em>first</em> service with MoneyHero promo code &ldquo;24MHCF01&rdquo; via inMotion</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:31.0011%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\"> \t\t\t<p>On or before 30 April 2024</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:31.0011%\">The account must be successfully opened and deposit HK$1,000,000 or above eligible new funds*</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:31.0011%\">*Maintain the specified new fund amount till 30 September 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:31.0011%\">&nbsp;</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>Upload all required documents when you apply for the card to facilitate the approval process.</li> \t\t<li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/bka-citic-citicfirst-tnc-listing\">Terms and Conditions</a>.</li> \t\t<li>The appliation of CITIC<em>first</em> service will be processed within 7 working days upon the Multi-currencies Statement Savings Account has been opened, if apply for CITIC<em>first</em> service via inMotion . A confirmation SMS will be sent out when it is completed.</li> \t</ul> \t</li> </ul>","<p><strong>Spring Thankful Draw </strong></p> <ul> \t<li>Join “Spring Thankful Draw” and earn 1 daily draw chance with guaranteed prize by simply completing any designated banking activities every day. Win up to <strong>4x Japan Round-Trip Business Class Air Tickets of Your Preferred Destination and others rewards</strong> </li> \t</ul> \t</li> </ul>","<table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; width:60%\"><strong>Item</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:40%\"><strong>Rewards</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Welcome Reward</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>Up to HK$2,000 Cash Reward</p> \t\t\t</td> \t\t</tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\"> Product Balance Growth Reward </td> <td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> <p>Up to HK$2,000 Cash Reward</p> </td> </tr> \t\t<tr> \t\t\t<td>CNCBI Jewel World Mastercard Card</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>&nbsp;</p> \t\t\t<ul> \t\t\t\t<li>Perpetual annual fee waiver</li> \t\t\t\t<li>Year-round retail purchase 1.5% cash rebate on retail spending all year round (Up to extra HK$1,800 cash rebate in every calendar month)</li> \t\t\t\t<li>Complimentary world-wide family travel insurance of coverage amount up to US$100,000</li> \t\t\t</ul> \t\t\t<p>&nbsp;</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Customer Referral Reward \t\t\t<ul> \t\t\t\t<li>Upon every successful new CITIC<em>first</em> customer referral can enjoy up to HK$900 cash reward</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<ul> \t\t\t\t<li>HK$500 cash reward for each successful referral of new CITICfirst customer</li> \t\t\t\t<li>Enjoy additional HK$200 referral reward when each referee successfully joins CITICdiamond with unique referral code through inMotion. Enjoy extra HK$200 Deposit Reward when referee deposit HK$10,000 or above</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">Privileged offer for Appointment Gift</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>up to HK$300 gift</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:51px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Investment Offer \t\t\t<ul> \t\t\t\t<li>Investment Transactions Offer up to HK$60,000</li> \t\t\t\t<li>Up to HK$5,000 Online Investment Fund Subscription Fee Rebate</li> \t\t\t\t<li>Foreign Exchange Offer up to HK$66,000 Cash Rewards</li> \t\t\t\t<li>$0 Robo 360 Advisory Service Fee</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:51px; text-align:center; width:40%\">Up to HK$131,050 Reward</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">MONOPOLY Deposit</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\">Up to 7.28% p.a. Savings Interest Rate</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\"> \t\t\t<p>Exclusive PAYROLL<em>plus</em> Account Privileges</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>Up to HK$2,000</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p> <strong>Apply for CITICfirst service via inMotion</strong> <ol> <li>Download and start using inMotion app</li> <li>Click “New Customer Account Opening”, select CITICfirst and tap “Apply Now”</li> <li>Follow the instructions to scan your ID</li> <li>Take a selfie for identity verification</li> <li>Select CITICfirst, Savings Account as well as other accounts which suit your needs</li> <li>Fill in and confirm your information</li> <li>Account opening is completed. CITICfirst application will also be completed within 7 working days. Notification SMS will be sent to you.</li> </ol>Please refer the the <a href=\"https://www.cncbinternational.com/personal/e-banking/inmotion/en/offers/segment_upgrade/index.html\" target=\"blank\">China CITIC Bank International official website</a> for more details </p>"],"cons":["<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: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Service Fee</td> <td>China CITIC Bank (International) has the right to charge the service fee if customer’s daily relationship balance below HK$1,000,000</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;\">-</td> </tr> </tbody> </table>","Spring Thankful Draw: Terms and conditions apply, please click <a href=\"https://www.cncbinternational.com/RGpromoe\" target=\"blank\">HERE</a> for details. ","“New-To-Bank Customer” : Customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint names account) with the Bank within the 12 months immediately preceding the account opening month of CITIC<em>first</em> service.","CITIC<em>first</em> Welcome Reward: New CITIC<em>first</em> customer need to reach designated Total Balance Growth Amount. “Total Balance Growth Amount” refers to the net increase when comparing a customer’s average Total Balance of the 1st to 3rd consecutive calendar months after joining CITIC<em>first</em> with the Total Balance on 30 November 2023. If customer is a New-To-Bank Customer, his/her Total Balance on 30 November 2023 is regarded as HK$0.","<p>Product Balance Growth Reward: Customers must be eligible to Total Balance Growth Reward in order to enjoy the Product Balance Growth Reward. Please refer to related <a href=\" https://www.cncbinternational.com/_document/cf_promo_en.pdf\" target=\"_blank\">Terms and Conditions</a>.</p>","At the time of collecting the Total Balance Growth Cash Reward, the Total Balance Growth Eligible Customer and Eligible inMotion Upgraded Customer should still maintain CITICfirst status, One Account, e-Statement Service of Consolidated Statement, inMotion service & successfully login inMotion mobile app at least once during the Promotion Period AND the monthly Total Balance of HK$1,000,000 (or equivalent) or above, otherwise the Total Balance Growth Cash Reward will be forfeited.","The above offers are subject to <a href=\"https://www.cncbinternational.com/_document/cf_promo_en.pdf\">terms and conditions</a>. Please refer to related terms and conditions for CITIC<em>first</em> promotion and other wealth management product offers for details ","<p>FX offers earn up to HK$66,050 cash reward</p> <ol> <li>For your better FX experience, we launched a brand new FX limit order and price alert in inMotion! You can now set the price, sit and wait, and the order will be executed automatically when reaching your target price!</li> <li>Set your preferred rate for auto exchange with BRAND NEW FX limit order function! From now to 31 Mar 2024, you can enjoy HK$50 by placing an eligible FX limit order (Single FX limit order with HK$30,000 (or equivalent) or above) via inMotion and successfully executed with a “Traded” status.</li> <li>From now till 31 March 2024, you can grab “inMotion Exclusive FX Offer” mission at “Rewards Go!” and reach the designated accumulated transacton amount to enjoy up to HK$6,000!</li> <li>From now till 30 June 2024, you can enjoy cash reward of HK$2,500 for every accumulated Eligible Transaction amount of HK$5,000,000, up to a maximum of HK$60,000 up to HK$60,000. By conducted FX transaction via branches, phone banking, i-banking and inMotion and accumulated designated transaction amount</li> </ol> <p>Terms and Conditions for FX Limit Order Instruction Cash Rewards: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fxlimitorder_en.pdf\" target=\"_blank\">https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fxlimitorder_en.pdf</a></p> <p>Terms and Conditions of inMotion Exclusive FX Offer: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fx_cash_rewards_go_tnc_en.pdf\" target=\"_blank\">https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fx_cash_rewards_go_tnc_en.pdf</a></p> <p>Terms and Conditions of FX Transaction Offer: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/etpfx_en.pdf\" target=\"_blank\"> https://www.cncbinternational.com/personal/promotions/integrated-investment/en/etpfx_en.pdf</a></p>","<p><strong>Rewards from Referral Reward Programme: </strong></p> <ul> \t<li>The Referee must be a Hong Kong resident, holding a valid Hong Kong Permanent Identity Card and must be a new customer who has not maintained any bank account or credit card account or service with the Bank within the preceding 12 months. </strong> </li> <li>Referrer and Referee are eligible for HK$200 Deposit Reward respectively upon the referee has made deposit(s) of HK$10,000 or above in total to his/her account within 30 calendar days after his/her banking account opening. The deposit has to be in Hong Kong Dollar. <li>To eligible for Referral Reward of Referrer, Referee has to be a New-To-Bank Customer during the Promotional Period, and fulfill Total Balance Growth and Total Balance requirement. Terms and Conditions apply, please click here for details. <li>Referee must be New-To-Bank Customer, who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the 12 months immediately preceding the account opening month. \t</ul> \t</li> </ul>","Savings Interest Rate of 7.28% includes the Bonus Interest Rate and Prevailing Savings Rate. As of 1 February 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.","Reminder: To borrow or not to borrow? Borrow only if you can repay!","Foreign currency investments are subject to exchange rate risk which may result in gain or loss.","Investment involves risk. Please refer to the <a href=\"www.cncbinternational.com/personal/promotions/citicfirst-acq/en/index.html\">website</a> for all Risk Disclosure Statements for Investment Products"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1,000,000","description":{"shortDescription":"HK$1,000,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1676026120539, hs_is_edited=false, hs_deleted_at=0, productname=CNCBI CITICfirst Service, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=61500013535, hs_child_table_id=0, hs_updated_at=1711599612175, hs_published_at=1721692821338, productid=blt8a74ada86a1c18a6_23_en-hk, data={"__typename":"BankAccount","id":"blt8a74ada86a1c18a6_23_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt3ce81b937fa9d63d/63da0ee227e8ed165f5ac608/Citicfirst_Logo.jpg","description":null,"dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Till 21 April 2024 6 p.m.]</strong>&nbsp;New customer can enjoy MoneyHero Exclusive Offer of <strong>Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348) OR </strong><span><strong>DeLonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (HK$3,288; random color)</strong></span><strong> OR Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,999) OR HK$1,600 Apple Store Gift Card / Wellcome Shopping Voucher </strong>upon joining CITIC<em>first</em> service with promo code “<strong>24MHCF01</strong>” via inMotion, and deposit HK$1,000,000 or above while maintaining the specific new fund amount till the designated date.<span></span>","bannerImage":null,"countdown":{"text":"Last Chance","displayProductPage":true,"date":{"startDate":null,"endDate":"2023-01-31T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":1000000000,"displayValue":"1,000,000","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-140699000,"displayValue":"140,699","tooltip":null,"description":"Join CITIC𝘧𝘪𝘳𝘴𝘵 to enjoy Welcome Reward up to HK$140,699","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aWNmaXJzdC1iYS1lbi1ycA.G5VEnUlKp6unf62udRTrJJHdUOyD2fi1l7wouV6C6Uyxz0THvXUuHrRJefZ-Wmy4FgG9viI6QArDH30qso8cAA","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"china-citic-bank","providerName":"China CITIC Bank International"},"description":{"shortDescription":["CITIC<em>first</em> Welcome Reward up to HK$140,699\n"]},"productName":"CNCBI CITICfirst Service","title":"HK.BA.CCBI0005.CITICFIRSTPAYROLLPLUSACCOUNT","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>From 1 March 2024 12 noon till 21 April 2024 6 p.m., new customers who successfully join CITIC<em>first</em> service via inMotion by using MoneyHero promo code &quot;<strong>24MHCF01</strong>&quot; and fulfilling the following requirements are entitled to Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348) OR DeLonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (HK$3,288; random color) OR Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,999) OR HK$1,600 Apple Store Gift Card / Wellcome Shopping Voucher.</li> </ul> <table style=\"height:194px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:29.0509%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\">From 1 March 2024 12 noon till 21 April 2024 6 p.m.</td> \t\t\t<td style=\"height:50px; width:43.8343%\"> \t\t\t<p>New customers who successfully joined CITIC<em>first</em> service with MoneyHero promo code &ldquo;24MHCF01&rdquo; via inMotion</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:31.0011%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:29.0509%\"> \t\t\t<p>On or before 30 April 2024</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:31.0011%\">The account must be successfully opened and deposit HK$1,000,000 or above eligible new funds*</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:31.0011%\">*Maintain the specified new fund amount till 30 September 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:31.0011%\">&nbsp;</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>Upload all required documents when you apply for the card to facilitate the approval process.</li> \t\t<li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/bka-citic-citicfirst-tnc-listing\">Terms and Conditions</a>.</li> \t\t<li>The appliation of CITIC<em>first</em> service will be processed within 7 working days upon the Multi-currencies Statement Savings Account has been opened, if apply for CITIC<em>first</em> service via inMotion . A confirmation SMS will be sent out when it is completed.</li> \t</ul> \t</li> </ul>","<p><strong>Spring Thankful Draw </strong></p> <ul> \t<li>Join “Spring Thankful Draw” and earn 1 daily draw chance with guaranteed prize by simply completing any designated banking activities every day. Win up to <strong>4x Japan Round-Trip Business Class Air Tickets of Your Preferred Destination and others rewards</strong> </li> \t</ul> \t</li> </ul>","<table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; width:60%\"><strong>Item</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:40%\"><strong>Rewards</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Welcome Reward</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>Up to HK$2,000 Cash Reward</p> \t\t\t</td> \t\t</tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\"> Product Balance Growth Reward </td> <td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> <p>Up to HK$2,000 Cash Reward</p> </td> </tr> \t\t<tr> \t\t\t<td>CNCBI Jewel World Mastercard Card</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>&nbsp;</p> \t\t\t<ul> \t\t\t\t<li>Perpetual annual fee waiver</li> \t\t\t\t<li>Year-round retail purchase 1.5% cash rebate on retail spending all year round (Up to extra HK$1,800 cash rebate in every calendar month)</li> \t\t\t\t<li>Complimentary world-wide family travel insurance of coverage amount up to US$100,000</li> \t\t\t</ul> \t\t\t<p>&nbsp;</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Customer Referral Reward \t\t\t<ul> \t\t\t\t<li>Upon every successful new CITIC<em>first</em> customer referral can enjoy up to HK$900 cash reward</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<ul> \t\t\t\t<li>HK$500 cash reward for each successful referral of new CITICfirst customer</li> \t\t\t\t<li>Enjoy additional HK$200 referral reward when each referee successfully joins CITICdiamond with unique referral code through inMotion. Enjoy extra HK$200 Deposit Reward when referee deposit HK$10,000 or above</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">Privileged offer for Appointment Gift</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>up to HK$300 gift</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:51px; text-align:left; width:60%\">CITIC<em>first&nbsp;</em>Investment Offer \t\t\t<ul> \t\t\t\t<li>Investment Transactions Offer up to HK$60,000</li> \t\t\t\t<li>Up to HK$5,000 Online Investment Fund Subscription Fee Rebate</li> \t\t\t\t<li>Foreign Exchange Offer up to HK$66,000 Cash Rewards</li> \t\t\t\t<li>$0 Robo 360 Advisory Service Fee</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:51px; text-align:center; width:40%\">Up to HK$131,050 Reward</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\">MONOPOLY Deposit</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\">Up to 7.28% p.a. Savings Interest Rate</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:left; width:60%\"> \t\t\t<p>Exclusive PAYROLL<em>plus</em> Account Privileges</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:40%\"> \t\t\t<p>Up to HK$2,000</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p> <strong>Apply for CITICfirst service via inMotion</strong> <ol> <li>Download and start using inMotion app</li> <li>Click “New Customer Account Opening”, select CITICfirst and tap “Apply Now”</li> <li>Follow the instructions to scan your ID</li> <li>Take a selfie for identity verification</li> <li>Select CITICfirst, Savings Account as well as other accounts which suit your needs</li> <li>Fill in and confirm your information</li> <li>Account opening is completed. CITICfirst application will also be completed within 7 working days. Notification SMS will be sent to you.</li> </ol>Please refer the the <a href=\"https://www.cncbinternational.com/personal/e-banking/inmotion/en/offers/segment_upgrade/index.html\" target=\"blank\">China CITIC Bank International official website</a> for more details </p>"],"cons":["<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: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed;\">Service Fee</td> <td>China CITIC Bank (International) has the right to charge the service fee if customer’s daily relationship balance below HK$1,000,000</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;\">-</td> </tr> </tbody> </table>","Spring Thankful Draw: Terms and conditions apply, please click <a href=\"https://www.cncbinternational.com/RGpromoe\" target=\"blank\">HERE</a> for details. ","“New-To-Bank Customer” : Customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint names account) with the Bank within the 12 months immediately preceding the account opening month of CITIC<em>first</em> service.","CITIC<em>first</em> Welcome Reward: New CITIC<em>first</em> customer need to reach designated Total Balance Growth Amount. “Total Balance Growth Amount” refers to the net increase when comparing a customer’s average Total Balance of the 1st to 3rd consecutive calendar months after joining CITIC<em>first</em> with the Total Balance on 30 November 2023. If customer is a New-To-Bank Customer, his/her Total Balance on 30 November 2023 is regarded as HK$0.","<p>Product Balance Growth Reward: Customers must be eligible to Total Balance Growth Reward in order to enjoy the Product Balance Growth Reward. Please refer to related <a href=\" https://www.cncbinternational.com/_document/cf_promo_en.pdf\" target=\"_blank\">Terms and Conditions</a>.</p>","At the time of collecting the Total Balance Growth Cash Reward, the Total Balance Growth Eligible Customer and Eligible inMotion Upgraded Customer should still maintain CITICfirst status, One Account, e-Statement Service of Consolidated Statement, inMotion service & successfully login inMotion mobile app at least once during the Promotion Period AND the monthly Total Balance of HK$1,000,000 (or equivalent) or above, otherwise the Total Balance Growth Cash Reward will be forfeited.","The above offers are subject to <a href=\"https://www.cncbinternational.com/_document/cf_promo_en.pdf\">terms and conditions</a>. Please refer to related terms and conditions for CITIC<em>first</em> promotion and other wealth management product offers for details ","<p>FX offers earn up to HK$66,050 cash reward</p> <ol> <li>For your better FX experience, we launched a brand new FX limit order and price alert in inMotion! You can now set the price, sit and wait, and the order will be executed automatically when reaching your target price!</li> <li>Set your preferred rate for auto exchange with BRAND NEW FX limit order function! From now to 31 Mar 2024, you can enjoy HK$50 by placing an eligible FX limit order (Single FX limit order with HK$30,000 (or equivalent) or above) via inMotion and successfully executed with a “Traded” status.</li> <li>From now till 31 March 2024, you can grab “inMotion Exclusive FX Offer” mission at “Rewards Go!” and reach the designated accumulated transacton amount to enjoy up to HK$6,000!</li> <li>From now till 30 June 2024, you can enjoy cash reward of HK$2,500 for every accumulated Eligible Transaction amount of HK$5,000,000, up to a maximum of HK$60,000 up to HK$60,000. By conducted FX transaction via branches, phone banking, i-banking and inMotion and accumulated designated transaction amount</li> </ol> <p>Terms and Conditions for FX Limit Order Instruction Cash Rewards: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fxlimitorder_en.pdf\" target=\"_blank\">https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fxlimitorder_en.pdf</a></p> <p>Terms and Conditions of inMotion Exclusive FX Offer: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fx_cash_rewards_go_tnc_en.pdf\" target=\"_blank\">https://www.cncbinternational.com/personal/promotions/integrated-investment/en/fx_cash_rewards_go_tnc_en.pdf</a></p> <p>Terms and Conditions of FX Transaction Offer: <a href=\"https://www.cncbinternational.com/personal/promotions/integrated-investment/en/etpfx_en.pdf\" target=\"_blank\"> https://www.cncbinternational.com/personal/promotions/integrated-investment/en/etpfx_en.pdf</a></p>","<p><strong>Rewards from Referral Reward Programme: </strong></p> <ul> \t<li>The Referee must be a Hong Kong resident, holding a valid Hong Kong Permanent Identity Card and must be a new customer who has not maintained any bank account or credit card account or service with the Bank within the preceding 12 months. </strong> </li> <li>Referrer and Referee are eligible for HK$200 Deposit Reward respectively upon the referee has made deposit(s) of HK$10,000 or above in total to his/her account within 30 calendar days after his/her banking account opening. The deposit has to be in Hong Kong Dollar. <li>To eligible for Referral Reward of Referrer, Referee has to be a New-To-Bank Customer during the Promotional Period, and fulfill Total Balance Growth and Total Balance requirement. Terms and Conditions apply, please click here for details. <li>Referee must be New-To-Bank Customer, who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the 12 months immediately preceding the account opening month. \t</ul> \t</li> </ul>","Savings Interest Rate of 7.28% includes the Bonus Interest Rate and Prevailing Savings Rate. As of 1 February 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.","Reminder: To borrow or not to borrow? Borrow only if you can repay!","Foreign currency investments are subject to exchange rate risk which may result in gain or loss.","Investment involves risk. Please refer to the <a href=\"www.cncbinternational.com/personal/promotions/citicfirst-acq/en/index.html\">website</a> for all Risk Disclosure Statements for Investment Products"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"1,000,000","description":{"shortDescription":"HK$1,000,000","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1676026120539, hs_is_edited=false, hs_deleted_at=0, productname=CNCBI CITICfirst Service, hs_updated_by_user_id=60412388}, id=61500013535, table_id=4701663, table_name=product_moneyhero})

How can I open a MOX bank account online?

 One of the first of 8 virtual banks launched in Hong Kong in 2021, Mox Bank is backed most notably by Standard Chartered. As a digital-only bank, MOX does not have any branches in the city and offers a list of streamlined bank services, its core services are deposit and credit. One feature to note is that each user can set up up to 5 Goal accounts to save up for specific financial goals, so when you spend, the money in your Goal account remains untouched. 

Even though MOX has no physical branches, users can withdraw cash without fees by accessing the Jetco network ATMs.

You can apply to open the following Mox bank accounts with the Mox App :

  Relationship Balance Requirement Under Balance Fee
(per quarter)
Special Services
MOX N/A N/A
  • Credit card that doubles as your debit (just switch in-app for the function you need)
  • Goal account to help reach saving goals
  • A purely digital experience

 

Mox Account

Mox Account

Minimum Opening Balance

HK$0

Rewards

[Till 8 April 6 p.m.] Open a Mox Account successfully with the invitation code "MHMOXFEB" and successfully apply for Mox Credit via MoneyHero, you can enjoy Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card, no spending requirement needed. Also, accumulate HK$800 spending in eligible transactions during your first 30 days upon Mox Credit approval to earn additional HK$800 in Cash Rewards. That’s 100% Cash Rewards, simply by spending with Mox Credit; Earn up to HK$1,000 Cash Rewards if invest in Mox and HK$80 Deliveroo Coupon; Total earn up to HK$6,160.
  • Remember to click here for completing the "MoneyHero Reward Redemption Form" after received reference number from Mox within 14 days
See More
See Less
Debug data (SizeLimitingPyMap: {badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=moneyhero, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], 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_moneyhero={ad_hoc_comparables=[{comparable_label=Minimum Opening Balance, comparable_value=HK$0}], comparables=[MIN_DEPOSIT_AMOUNT], 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={id=59168070115, table_id=4701663, table_name=product_moneyhero, columns={hs_id=59168070115, hs_child_table_id=0, hs_updated_at=1711102212800, hs_published_at=1721692821338, productid=blt55229a06b8a773b6_52_en-hk, data={"__typename":"BankAccount","id":"blt55229a06b8a773b6_52_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt7ed2c0184f47eb0e/5fffabcc2c2bd44889c7ef18/Mox_Logo.png","description":"","dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Till 8 April 6 p.m.] </strong>Open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and successfully apply for Mox Credit via MoneyHero, you can enjoy <strong>Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / </strong><strong>Delsey ECLIPSE SE 31\" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / </strong><strong>Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card</strong>, no spending requirement needed. Also, accumulate HK$800 spending in eligible transactions during your first 30 days upon Mox Credit approval to earn additional HK$800 in Cash Rewards. That’s 100% Cash Rewards, simply by spending with Mox Credit; Earn up to HK$1,000 Cash Rewards if invest in Mox and HK$80 Deliveroo Coupon; <strong>Total earn up to HK$6,160</strong>.<ul><li>Remember to <a href=\"https://form-rewards.moneyhero.com.hk/redemption-v3/?q=MzQxNiM4ZGRjMDczY2ZhYzVmNDhmNTIwN2YyNWQ5MmRhMTJlNQ==&source=&lang=en\" target=\"_blank\" rel=\"noopener\"><strong>click here</strong></a> for completing the \"MoneyHero Reward Redemption Form\" after received reference number from Mox within 14 days</li></ul>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt98d63bcf921c24ef/65fc07467a44b09e2a54b9db/20240322_[BKA]_Mox_2nd_Flash_Deal_visuals_update_(Mar_2024)_D-PJ24_0161_Offer_Enhancement_V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-4500,"displayValue":"4.5","tooltip":null,"description":"After a completion of Mox Bonus challenges","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-3270000,"displayValue":"3,270","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaMGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvbW94LWJhbmstYWNjb3VudC1iYS1lbi1ycA.J4T2qyympcrH6H27wNFubBrUlJbGDkHdX9iiSFi2rTYv8lVyHUx0Aa2tKQS5_sWWUcWyDBl11BF1ij9Ar4njCg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"mox","providerName":"Mox"},"description":{"shortDescription":["Flash Welcome Offer: Extra 15% saving interest rate","Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.","From 1 February 2024, Mox offers you a guaranteed top-of-the-town HKD savings base rate at 1.5% p.a., for unlimited savings balances with no strings attached. Earn the higher interests you deserved."]},"productName":"Mox Account","title":"HK.BA.MOXB0001.MOXACCOUNT","features":{"title":"Features","pros":["<p><strong>[MoneyHero Limited-Time Exclusive Offer]</strong></p> <ul> <li> <p>Open a Mox Account successfully with the invitation code &quot; MHMOXFEB&quot; and successfully apply for Mox Credit via MoneyHero, you can enjoy <strong>Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Delsey ECLIPSE SE 31\" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card</strong></p> </li> </ul> <table style=\"height:307px; width:100%\"> <tbody> <tr> <td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> <td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> <p>From 21 March 2024 12 noon to 8 April 2024 6 p.m.</p> </td> <td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> <p>New Mox customers who successfully apply for Mox Credit via MoneyHero with the invitation code &quot; MHMOXFEB&quot;</p> </td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved </td> <td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 30 April 2024</td> <td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The Mox account and Mox Credit must be approved by Mox, subject to the Bank&rsquo;s system records.</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.</li> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> <li>Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process..&nbsp;After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code &ldquo;MHMOXFEB&rdquo; to get the application reference number, if you don&#39;t receive the email, please check your spam folder.</li> <li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.</li> <li><a href=\"https://moneyhero.link/cc-bka-mox-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> </ul> </li> </ul>","<p><strong>Mox Bank Flash Offer - Extra 15% saving interest rate</strong></p> <ul> <li>From now until 7 April 2024, open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and deposit HK$50,000* within 7 days upon account opening, can enjoy <strong>extra 15% saving interest rate</strong>.</li> <li>*need to place for 60 days.</li>","<p><strong>Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox</strong></p> <ul> <li>From now until 31 March 2024, open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and successfully apply for Mox Credit, you can get <strong>HK$800 Cash Rewards</strong> by making eligible spendings with at least HK$800 with Mox Credit within the first 30 days of your Mox Credit approval!</li> <li><a href=\"https://mox.com/static/MHMOXFEB_Invitation_Code_Promotion_TnC.pdf\" target=\"_blank\">MHMOXFEB Invitation Code Promotion Terms and Conditions</a> apply.</li> </ul>","<p><strong>Welcome Offer: Up to 4.5% p.a. saving rate for new customers</strong></p> <ul> <li>From now till 31 March 2024, new customers who open a Mox Account using the promo code <strong>\"MHMOXFEB\"</strong>, and fund in no more than HK$3,000,000 of deposit, can enjoy <strong>up to 7% p.a. saving rate:</strong> <ul> <li>Base Rate: 1.5% p.a. (unlimited savings balances with no strings attached)</li> <li>Welcome Bonus: 1.5% p.a. (only applicable to the first HK$3,000,000 deposit)</li> <li>MOX Invest Additional Rate: 1.5% p.a. (after investing HK$10,000 on HK/US stocks)</li> <li>Total of 4.5% p.a.</li> </ul> </li> <li><a href=\"https://mox.com/static/MHMOXFEB_Invitation_Code_Promotion_TnC.pdf\" target=\"_blank\">MHMOXFEB Invitation Code Promotion Terms and Conditions</a> apply.</li> </ul>","<strong>Mox Invest - Get up to HK$1,000 cash rewards by accumulating the target trading amount</strong> <p>Complete one or more of the transaction(s) below with Mox Invest from 1 Mar 2024 to 30 April 2024 and earn cash reward(s) that correspond to your trading amount</p> <ul><ul> <li>Buy or sell Hong Kong or U.S. stocks (including U.S. fractional shares)</li> <li>Make a net fund transaction</li> </ul> <li><strong>1st Reward</strong>: Accumulate a trading amount of HK$10,000 and earn a HK$200 cash reward</li> <li><strong>2nd Reward</strong>: Accumulate a trading amount of HK$50,000 and earn an additional HK$800 cash reward</li><li>The cash rewards will be credited to one of your accounts with Mox by 31 May 2024.</li> <li>Details <a href=\"https://mox.com/promotions/Invest/\" target=\"_blank\">HERE</a></li><ul>","<p><strong>MoneyHero x Deliveroo </strong></p> <ul><li>Apply for Mox Credit using the promo code \"MHMOXFEB\" to enjoy 6 months Deliveroo Plus Silver Membership and HK$80 Deliveroo Coupon no matter the approval result<li>Please refer to the <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/29452633983513\" target=\"blank\">Terms and Conditions</a> for details</li>","<p><strong>Limited Offer: earn as low as HK$1/mile on Dining</strong></p> <ul> <li>From 6 February 2024 to 3 March 2024, Simply register your Cathay Membership Account and join the promotion through the Mox app, can earn enticing mileage rewards at any physical restaurant, local or abroad when spending with Mox Credit: <ul> <li>Spend HK$3,000 at local physical restaurant: 1,000 Miles (HK$3/mile)</li> <li>Spend HK$2,000 at abroad physical restaurant: 2,000 Miles (equal to HK$1/mile)</li> </ul> </li> <li>Earn any of the above rewards and get an automatic entry into our lucky draw, <strong>a round-trip ticket to Japan (up to 25,000 miles)</strong></li> </ul>","<p> <strong>Mox Bank X Trip.com Promotion - Up to 9% exclusive hotel and flight discounts on Trip.com</strong></p> <p> <strong>Promotion Period</strong>: From now until 31 December 2024</p> <p> <strong>Valid for hotel stays and flight departures</strong>: From now until 15 January 2025</p> <ul> <li>During the promotion period, Mox customers can enjoy exclusive discount offers when booking hotels or flights via a specified page on Trip.com directed from our specified link. Simply use Mox Credit and enter the unique promo codes below for instant savings, earning up to 9% discount and 5.5% discount respectively, including an extra 3% CashBack</li> <li><strong>Offer 1</strong>: Enjoy a 6% discount on hotel bookings with promo code <strong>“MOXH”</strong> (applicable to room rates and taxes only)</li> <li><strong>Offer 2</strong>: Get discounts on flights with promo code <strong>“MOXF”</strong>: Get HK$50 off for orders over HK$2,000 or HK$100 off for orders over HK$4,000 (applicable to adult ticket fares only, excluding taxes and other surcharges)</li> <li>Details <a href=\"https://mox.com/promotions/Trip/\" target=\"_blank\">HERE</a></li> </ul>","Every new customer only can use ONE invitation code to open a Mox account","<p><strong>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</strong></p> <ul> \t<li>Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.</li> \t<li>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!</li> \t<li>Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!</li> \t<li>3% CashBack at selected CashBack Merchants: spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, such as 7-11, Mannings, Watsons, Circle K, Deliveroo, HKTaxim Uber, Trip.com, selected merchants under HKT and more! (cap HK$1,800 cash reward during the promotion period)</li> </ul>","<p><strong>First in Hong Kong! Earn interest upfront with cash or miles!</strong></p> <ul> <li>Interest earnings are credited to you right away &ndash; and you can choose to receive interest in either cash or Asia Miles!</li> <li>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&rsquo;s up to you.</li> </ul> <p><strong>Choose miles as interest, enjoy as low as $1.47 for 1 mile by placing a Time Deposit with New Funds</strong></p> <ul> <li><strong>No waiting:</strong> The moment you save, not only you will transparently see how many miles you can earn, you&rsquo;ll also get them upfront instantly.</li> <li><strong>Easy to earn:</strong> Save and earn. It&rsquo;s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?</li> <li><strong>Low barrier:</strong> You can earn miles even if you save with a small budget, which is a perfect choice for you if you&rsquo;re just missing a few more miles for your next trip.</li> </ul> <table> <tbody> <tr> <td><strong>Tenor</strong></td> <td><strong>Asia Miles Time Deposite Rate</strong></td> </tr> <tr> <td>6-month</td> <td>HK$5.56 =&nbsp;1 Mile</td> </tr> <tr> <td>12-month</td> <td>HK$2.5 =&nbsp;1 Mile</td> </tr> <tr> <td>24-month</td> <td>HK$1.47 =&nbsp;1 Mile</td> </tr> </tbody> </table>","<p><strong>Choose miles as </strong><strong>cash</strong><strong>, enjoy up to 3.8% p.a. Interest</strong></p> <ul> \t<li>For Time Deposits with tenors of 6-months or above with New Fund, interest is even credited right away!</li> </ul> <table> \t<tbody> \t\t<tr> \t\t\t<td><strong>Tenor</strong></td> \t\t\t<td><strong>Preferential interest rate (p.a.)</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td>6-month</td> \t\t\t<td>3.8%</td> \t\t</tr> \t\t<tr> \t\t\t<td>12-month</td> \t\t\t<td>3.4%</td> \t\t</tr> \t\t<tr> \t\t\t<td>24-month</td> \t\t\t<td>3.0%</td> \t\t</tr> \t</tbody> </table>"],"cons":["<strong>No physical branches</strong> <ul> <li>You can contact Mox via app and email.</li> </ul>","If you’ve joined the Mox New Funds Promotion (November 2023), Mox New Funds Promotion (November 2023) – Phase 2, Mox New Funds Promotion (December 2023) or Mox New Funds Promotion (December 2023) – Phase 2, you’ll not be eligible for this promotion.","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. ","From 1 January 2024 to 31 December 2024, earn up to HK$1,800 CashBack calculated at 3% on the eligible transaction made with Mox Credit at selected CashBack Merchants.","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.","<strong>Account Opening Requirement</strong> <ul> <li>You must be aged 18 or above and hold a valid Hong Kong identity card.</li> <li>You must have a valid Hong Kong residential and mailing address.</li> </ul>","<strong>Fees You Need to Know</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"width: 51.1843%;\"><strong>Item</strong></td> <td style=\"text-align: center; height: 50px; width: 45.8917%;\"> <p><strong>Fees</strong></p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Account closed by the customer within 3 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 45.8917%;\">N/A</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Paper Statement Request</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 45.8917%;\">HK$50/month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Mox Credit Annual Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 45.8917%;\">N/A</td> </tr> </tbody> </table>","Mox disclaimer applies."]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"0","description":{"shortDescription":"HK$0","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168323, hs_is_edited=false, hs_deleted_at=0, productname=Mox Account, 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={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={theme=mars, 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}, 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={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, 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=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168070115, hs_child_table_id=0, hs_updated_at=1711102212800, hs_published_at=1721692821338, productid=blt55229a06b8a773b6_52_en-hk, data={"__typename":"BankAccount","id":"blt55229a06b8a773b6_52_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt7ed2c0184f47eb0e/5fffabcc2c2bd44889c7ef18/Mox_Logo.png","description":"","dimension":null},"featured":true,"promotional":{"bannerText":"<strong>[Till 8 April 6 p.m.] </strong>Open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and successfully apply for Mox Credit via MoneyHero, you can enjoy <strong>Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / </strong><strong>Delsey ECLIPSE SE 31\" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / </strong><strong>Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card</strong>, no spending requirement needed. Also, accumulate HK$800 spending in eligible transactions during your first 30 days upon Mox Credit approval to earn additional HK$800 in Cash Rewards. That’s 100% Cash Rewards, simply by spending with Mox Credit; Earn up to HK$1,000 Cash Rewards if invest in Mox and HK$80 Deliveroo Coupon; <strong>Total earn up to HK$6,160</strong>.<ul><li>Remember to <a href=\"https://form-rewards.moneyhero.com.hk/redemption-v3/?q=MzQxNiM4ZGRjMDczY2ZhYzVmNDhmNTIwN2YyNWQ5MmRhMTJlNQ==&source=&lang=en\" target=\"_blank\" rel=\"noopener\"><strong>click here</strong></a> for completing the \"MoneyHero Reward Redemption Form\" after received reference number from Mox within 14 days</li></ul>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt98d63bcf921c24ef/65fc07467a44b09e2a54b9db/20240322_[BKA]_Mox_2nd_Flash_Deal_visuals_update_(Mar_2024)_D-PJ24_0161_Offer_Enhancement_V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"HK$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Saving Account Rate"},"sortValue":-4500,"displayValue":"4.5","tooltip":null,"description":"After a completion of Mox Bonus challenges","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_REWARD","display":"Welcome Offers"},"sortValue":-3270000,"displayValue":"3,270","tooltip":null,"description":"","prefix":"HK$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaMGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvbW94LWJhbmstYWNjb3VudC1iYS1lbi1ycA.J4T2qyympcrH6H27wNFubBrUlJbGDkHdX9iiSFi2rTYv8lVyHUx0Aa2tKQS5_sWWUcWyDBl11BF1ij9Ar4njCg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":""},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"mox","providerName":"Mox"},"description":{"shortDescription":["Flash Welcome Offer: Extra 15% saving interest rate","Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.","From 1 February 2024, Mox offers you a guaranteed top-of-the-town HKD savings base rate at 1.5% p.a., for unlimited savings balances with no strings attached. Earn the higher interests you deserved."]},"productName":"Mox Account","title":"HK.BA.MOXB0001.MOXACCOUNT","features":{"title":"Features","pros":["<p><strong>[MoneyHero Limited-Time Exclusive Offer]</strong></p> <ul> <li> <p>Open a Mox Account successfully with the invitation code &quot; MHMOXFEB&quot; and successfully apply for Mox Credit via MoneyHero, you can enjoy <strong>Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Delsey ECLIPSE SE 31\" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card</strong></p> </li> </ul> <table style=\"height:307px; width:100%\"> <tbody> <tr> <td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> <td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> <p>From 21 March 2024 12 noon to 8 April 2024 6 p.m.</p> </td> <td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> <p>New Mox customers who successfully apply for Mox Credit via MoneyHero with the invitation code &quot; MHMOXFEB&quot;</p> </td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved </td> <td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 30 April 2024</td> <td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The Mox account and Mox Credit must be approved by Mox, subject to the Bank&rsquo;s system records.</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.</li> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> <li>Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process..&nbsp;After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code &ldquo;MHMOXFEB&rdquo; to get the application reference number, if you don&#39;t receive the email, please check your spam folder.</li> <li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.</li> <li><a href=\"https://moneyhero.link/cc-bka-mox-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> </ul> </li> </ul>","<p><strong>Mox Bank Flash Offer - Extra 15% saving interest rate</strong></p> <ul> <li>From now until 7 April 2024, open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and deposit HK$50,000* within 7 days upon account opening, can enjoy <strong>extra 15% saving interest rate</strong>.</li> <li>*need to place for 60 days.</li>","<p><strong>Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox</strong></p> <ul> <li>From now until 31 March 2024, open a Mox Account successfully with the invitation code <strong>\"MHMOXFEB\"</strong> and successfully apply for Mox Credit, you can get <strong>HK$800 Cash Rewards</strong> by making eligible spendings with at least HK$800 with Mox Credit within the first 30 days of your Mox Credit approval!</li> <li><a href=\"https://mox.com/static/MHMOXFEB_Invitation_Code_Promotion_TnC.pdf\" target=\"_blank\">MHMOXFEB Invitation Code Promotion Terms and Conditions</a> apply.</li> </ul>","<p><strong>Welcome Offer: Up to 4.5% p.a. saving rate for new customers</strong></p> <ul> <li>From now till 31 March 2024, new customers who open a Mox Account using the promo code <strong>\"MHMOXFEB\"</strong>, and fund in no more than HK$3,000,000 of deposit, can enjoy <strong>up to 7% p.a. saving rate:</strong> <ul> <li>Base Rate: 1.5% p.a. (unlimited savings balances with no strings attached)</li> <li>Welcome Bonus: 1.5% p.a. (only applicable to the first HK$3,000,000 deposit)</li> <li>MOX Invest Additional Rate: 1.5% p.a. (after investing HK$10,000 on HK/US stocks)</li> <li>Total of 4.5% p.a.</li> </ul> </li> <li><a href=\"https://mox.com/static/MHMOXFEB_Invitation_Code_Promotion_TnC.pdf\" target=\"_blank\">MHMOXFEB Invitation Code Promotion Terms and Conditions</a> apply.</li> </ul>","<strong>Mox Invest - Get up to HK$1,000 cash rewards by accumulating the target trading amount</strong> <p>Complete one or more of the transaction(s) below with Mox Invest from 1 Mar 2024 to 30 April 2024 and earn cash reward(s) that correspond to your trading amount</p> <ul><ul> <li>Buy or sell Hong Kong or U.S. stocks (including U.S. fractional shares)</li> <li>Make a net fund transaction</li> </ul> <li><strong>1st Reward</strong>: Accumulate a trading amount of HK$10,000 and earn a HK$200 cash reward</li> <li><strong>2nd Reward</strong>: Accumulate a trading amount of HK$50,000 and earn an additional HK$800 cash reward</li><li>The cash rewards will be credited to one of your accounts with Mox by 31 May 2024.</li> <li>Details <a href=\"https://mox.com/promotions/Invest/\" target=\"_blank\">HERE</a></li><ul>","<p><strong>MoneyHero x Deliveroo </strong></p> <ul><li>Apply for Mox Credit using the promo code \"MHMOXFEB\" to enjoy 6 months Deliveroo Plus Silver Membership and HK$80 Deliveroo Coupon no matter the approval result<li>Please refer to the <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/29452633983513\" target=\"blank\">Terms and Conditions</a> for details</li>","<p><strong>Limited Offer: earn as low as HK$1/mile on Dining</strong></p> <ul> <li>From 6 February 2024 to 3 March 2024, Simply register your Cathay Membership Account and join the promotion through the Mox app, can earn enticing mileage rewards at any physical restaurant, local or abroad when spending with Mox Credit: <ul> <li>Spend HK$3,000 at local physical restaurant: 1,000 Miles (HK$3/mile)</li> <li>Spend HK$2,000 at abroad physical restaurant: 2,000 Miles (equal to HK$1/mile)</li> </ul> </li> <li>Earn any of the above rewards and get an automatic entry into our lucky draw, <strong>a round-trip ticket to Japan (up to 25,000 miles)</strong></li> </ul>","<p> <strong>Mox Bank X Trip.com Promotion - Up to 9% exclusive hotel and flight discounts on Trip.com</strong></p> <p> <strong>Promotion Period</strong>: From now until 31 December 2024</p> <p> <strong>Valid for hotel stays and flight departures</strong>: From now until 15 January 2025</p> <ul> <li>During the promotion period, Mox customers can enjoy exclusive discount offers when booking hotels or flights via a specified page on Trip.com directed from our specified link. Simply use Mox Credit and enter the unique promo codes below for instant savings, earning up to 9% discount and 5.5% discount respectively, including an extra 3% CashBack</li> <li><strong>Offer 1</strong>: Enjoy a 6% discount on hotel bookings with promo code <strong>“MOXH”</strong> (applicable to room rates and taxes only)</li> <li><strong>Offer 2</strong>: Get discounts on flights with promo code <strong>“MOXF”</strong>: Get HK$50 off for orders over HK$2,000 or HK$100 off for orders over HK$4,000 (applicable to adult ticket fares only, excluding taxes and other surcharges)</li> <li>Details <a href=\"https://mox.com/promotions/Trip/\" target=\"_blank\">HERE</a></li> </ul>","Every new customer only can use ONE invitation code to open a Mox account","<p><strong>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</strong></p> <ul> \t<li>Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.</li> \t<li>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!</li> \t<li>Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!</li> \t<li>3% CashBack at selected CashBack Merchants: spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, such as 7-11, Mannings, Watsons, Circle K, Deliveroo, HKTaxim Uber, Trip.com, selected merchants under HKT and more! (cap HK$1,800 cash reward during the promotion period)</li> </ul>","<p><strong>First in Hong Kong! Earn interest upfront with cash or miles!</strong></p> <ul> <li>Interest earnings are credited to you right away &ndash; and you can choose to receive interest in either cash or Asia Miles!</li> <li>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&rsquo;s up to you.</li> </ul> <p><strong>Choose miles as interest, enjoy as low as $1.47 for 1 mile by placing a Time Deposit with New Funds</strong></p> <ul> <li><strong>No waiting:</strong> The moment you save, not only you will transparently see how many miles you can earn, you&rsquo;ll also get them upfront instantly.</li> <li><strong>Easy to earn:</strong> Save and earn. It&rsquo;s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?</li> <li><strong>Low barrier:</strong> You can earn miles even if you save with a small budget, which is a perfect choice for you if you&rsquo;re just missing a few more miles for your next trip.</li> </ul> <table> <tbody> <tr> <td><strong>Tenor</strong></td> <td><strong>Asia Miles Time Deposite Rate</strong></td> </tr> <tr> <td>6-month</td> <td>HK$5.56 =&nbsp;1 Mile</td> </tr> <tr> <td>12-month</td> <td>HK$2.5 =&nbsp;1 Mile</td> </tr> <tr> <td>24-month</td> <td>HK$1.47 =&nbsp;1 Mile</td> </tr> </tbody> </table>","<p><strong>Choose miles as </strong><strong>cash</strong><strong>, enjoy up to 3.8% p.a. Interest</strong></p> <ul> \t<li>For Time Deposits with tenors of 6-months or above with New Fund, interest is even credited right away!</li> </ul> <table> \t<tbody> \t\t<tr> \t\t\t<td><strong>Tenor</strong></td> \t\t\t<td><strong>Preferential interest rate (p.a.)</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td>6-month</td> \t\t\t<td>3.8%</td> \t\t</tr> \t\t<tr> \t\t\t<td>12-month</td> \t\t\t<td>3.4%</td> \t\t</tr> \t\t<tr> \t\t\t<td>24-month</td> \t\t\t<td>3.0%</td> \t\t</tr> \t</tbody> </table>"],"cons":["<strong>No physical branches</strong> <ul> <li>You can contact Mox via app and email.</li> </ul>","If you’ve joined the Mox New Funds Promotion (November 2023), Mox New Funds Promotion (November 2023) – Phase 2, Mox New Funds Promotion (December 2023) or Mox New Funds Promotion (December 2023) – Phase 2, you’ll not be eligible for this promotion.","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. ","From 1 January 2024 to 31 December 2024, earn up to HK$1,800 CashBack calculated at 3% on the eligible transaction made with Mox Credit at selected CashBack Merchants.","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.","<strong>Account Opening Requirement</strong> <ul> <li>You must be aged 18 or above and hold a valid Hong Kong identity card.</li> <li>You must have a valid Hong Kong residential and mailing address.</li> </ul>","<strong>Fees You Need to Know</strong> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"width: 51.1843%;\"><strong>Item</strong></td> <td style=\"text-align: center; height: 50px; width: 45.8917%;\"> <p><strong>Fees</strong></p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Account closed by the customer within 3 months from the date of opening</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 45.8917%;\">N/A</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Paper Statement Request</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 45.8917%;\">HK$50/month</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 51.1843%;\">Mox Credit Annual Fee</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 45.8917%;\">N/A</td> </tr> </tbody> </table>","Mox disclaimer applies."]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Opening Balance"},"value":"0","description":{"shortDescription":"HK$0","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_name=, hs_initial_published_at=1721088020873, hs_created_at=1672893168323, hs_is_edited=false, hs_deleted_at=0, productname=Mox Account, hs_updated_by_user_id=60412388}, id=59168070115, table_id=4701663, table_name=product_moneyhero})

Hong Kong Bank Accounts Frequently Asked Questions

What services do banks provide in Hong Kong?

Most retail banks in Hong Kong offer a wide range of services for personal banking, such as deposit services (savings, checking and timed deposit), credit services (credit card, personal loans, mortgages), insurance and securities services. 


 

What is a virtual bank?

 

 

 

Virtual banks are banks that provide digital services only, while they may operate out of a physical office, they do not have branches to serve users. These banks obtain the same license and are monitored under the same supervisory requirements applicable to conventional banks. There are currently 8 virtual banks in Hong Kong.


 

What ATMs can I access with my bank?

 

 

 

In Hong Kong, there are generally two networks of ATMs: the Jetco network and the HSBC + Hang Seng network. Check with your bank to see which ATM networks you can withdraw cash for free.