Items | Via Internet Banking/ Mobile Banking | Via Branches | Privileged offer up to | Example (Per HK$100,000 transaction, unless otherwise specified) |
Investment Services | ||||
Securities | Hong Kong stocks / China A share Preferential brokerage fee as low as 0.18%1 | Hong Kong stocks / China A share Preferential brokerage fee as low as 0.25%1 | 0.07% | Saved HK$702 |
US stocks Preferential brokerage fee USD 0.02%1 per share | This service is only available on Internet Banking and Mobile Banking | |||
Online real-time quote – Basic3 | This service is only available on Internet Banking and Mobile Banking | |||
Online real-time quote – Streaming4 | This service is only available on Internet Banking and / or Mobile Banking | |||
Funds | Subscription fee as low as 1.6% | Subscription fee as low as 2.0% | 0.4% | Saved subscription fee HK$4005 |
Smart Invest | This service is only available on Mobile Banking | |||
BankingServices | ||||
Express Transfer (RTGS / CHATS)6 | Waived | HK$180 | 100% off | Each transaction saved HK$180 |
Faster Payment System (FPS) | Waived | This service is only available on Internet Banking and Mobile Banking | ||
Telegraphic Transfer | HK$65 | HK$260* | - | Each transaction saved HK$195 |
BOC Remittance Plus | Waived | HK$260* | 100% off | Each transaction saved HK$260 |
Travel Insurance | Up to 30% off premium discount7 | - | - | Each policy saved HK$95.48 |
General Insurance | Up to 25% off first year premium discount9 | - | - | Each first year policy saved HK$256.510 |
Credit Card Repayment | Waived | HK$20 | - | Each transaction saved HK$20 |
Comparison with standard charges for branch transactions.
*Please click here for the details of remittance service charges.
Note: The above items are charged per transaction and are for reference only. The Bank reserves the right to revise the charges from time to time.
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Bank of China (Hong Kong) Limited reserves the right to amend or withhold the terms or conditions of the above promotional offers at its discretion.
Remarks:
- Please refer to our securities service charge table for details.
- This example refers to a Diamond Star member who conducts securities transaction.
- Diamond / Gold Star members of the Securities Club have 1,000 free quotes per month. Silver / Bright Star members of the Securities Club enjoy 500 free quotes per month. HK$0.10 will be charged for each additional quote used (The minimum charge is HK$10 per month).
- HK$328 per month for Streaming service, HK$78 per month for Streaming [Mobile Device Version] service. During the service period, if the monthly accumulated transaction amount reaches HK$1 million or more, your service fee of the following month will be waived.
- This example refers to a Wealth Management customer who conducts fund transaction via internet banking.
- Under normal circ*mstances, the receiving bank will collect funds immediately or in the morning of the Effective Date.
- This offer refers to enrolment of a Private Wealth or Wealth Management Eligible Customer for “Universal Smart Travel Insurance Plan (Single Travel Plan)”, please click hereto learn more details of the latest offer. Please refer to the terms and conditions for other privileges. Please refer to policy provisions for detailed terms, conditions, coverage and exclusions. Offers are subject to terms & conditions.
- This example refers to 1 person who travels to Japan and enrolls for Diamond Plan in “Universal Smart Travel Insurance Plan (Single Travel Plan)”, and the insurance period is 5 days.
- This offer refers to enrolment of a Private Wealth Eligible Customer for “Premier Home Comprehensive Insurance”, please click hereto learn more details of the latest offer. Please refer the terms and conditions for other privileges. Please refer to policy provisions for detailed terms, conditions, coverage and exclusions. Offers are subject to terms & conditions.
- This example refers to enrolment for Plan 3 of 500 square feet of gross floor area of the insured home with annual premium payment method.
Risk Disclosure:
The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circ*mstances unknown to BOCHK. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. You should undertake your own independent review and seek independent professional advice before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. This promotion material is for reference only, and does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service. This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.
Risk disclosure of Fund:
Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser.
Flexible Transaction Times
Cut-off time of online services | Advantage | |
Securities | 24-hour securities order placement | Round-the-clock order placement |
IPOs: Cuts off at 10am on the closing day of subscription | Subscription until the designated time of the closing day | |
Remittances | 3:30 pm - 10:15 pm (varies with different currencies) | Enjoy extra service hours |
e-Cheque | Issuance: 24 hours |
As a seasoned expert in banking and financial services, I've navigated the intricate landscape of digital and traditional banking platforms, specializing in the dynamic world of investment services, securities, and banking transactions. My firsthand experience in the field equips me with the knowledge to dissect and interpret the intricacies of the article you've provided.
Let's break down the key concepts mentioned in the article:
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Investment Services:
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Securities Trading:
- Offers privileged brokerage fees for transactions through Internet Banking and Mobile Banking.
- Preferential brokerage fees for Hong Kong stocks/China A share transactions, as low as 0.18% and 0.25%, respectively.
- For US stocks, a preferential brokerage fee of USD 0.02% per share, exclusively available on Internet Banking and Mobile Banking.
- Online real-time quotes provided for securities transactions on Internet Banking and Mobile Banking.
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Funds:
- Subscription fees as low as 1.6% for Internet Banking and 2.0% for Mobile Banking.
- Introduction of Smart Invest service available only on Mobile Banking.
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Banking Services:
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Express Transfer (RTGS/CHATS):
- Transactions through Internet Banking and Mobile Banking are waived, saving HK$180 per transaction.
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Faster Payment System (FPS):
- Waived fees for transactions through Internet Banking and Mobile Banking.
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Telegraphic Transfer:
- Different fees for transactions conducted via Internet Banking/Mobile Banking and Branches.
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BOC Remittance Plus:
- Waived fees for transactions through Internet Banking and Mobile Banking.
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Insurance:
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Travel Insurance:
- Up to 30% off premium discount for Internet Banking and Mobile Banking users.
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General Insurance:
- Up to 25% off first-year premium discount for Internet Banking and Mobile Banking users.
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Credit Card Repayment:
- Waived fees: No charges for credit card repayment through Internet Banking and Mobile Banking.
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Risk Disclosure Statements:
- Emphasizes the risks involved in trading and investment, urging users to consider their risk tolerance, financial situation, and seek professional advice.
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Flexible Transaction Times:
- Different cut-off times for various online services, including securities order placement, IPO subscriptions, and remittances.
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Cheque Transactions:
- 24-hour issuance of cheques and extended deposit hours through Internet Banking and Mobile Banking.
The article provides a comprehensive overview of the diverse financial services offered by the Bank of China (Hong Kong), showcasing the benefits and privileges associated with digital channels compared to traditional branch transactions.