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Personal Banking
Documents Required for Opening Personal Accounts
公司資訊

 

  • SAVINGS ACCOUNTS
    Account types Passbook account Statement account
    Currency types
    • HKD
    • US Notes
    • Multi-currencies (including RMB, AUD, GBP, CAD, EUR, JPY, NZD, CHF and US TT)
    • HKD
    • Multi-currencies (including RMB, AUD, GBP, CAD, EUR, JPY, NZD, CHF and US TT)
    Basis on interest determined
    (for both leap year and ordinary year)
    • HKD & GBP: 365 days a year on a simple basis
    • Other currencies:360 days  a year on a simple basis
    • HKD & GBP: 365 days a year on a simple basis
    • Other currencies:360 days  a year on a simple basis
    Payment of interest
    • At the end of June and December
    • At month end
    Minimum initial deposit for account opening
    • HKD#:10
    • Other currencies (except JPY):100
    • JPY:10,000
    • HKD#:10
    • Other currencies (except JPY):100
    • JPY:10,000

    Minimum balance requirement

    • Nil

    Interest rate

    Dormant account charge

    • Nil

    Rights of set-off

    • Yes (please refer to Account Rules for details)

    Account closure

    • Visit any of our branches in person

Documents and information required for Opening of Personal Account

  • Identification Document (Original)
  • Nationality Identification required for account opening
    HK Permanent Residents
    Hong Kong Permanent Identity Card
    HK Residents
    Hong Kong Identity Card and valid passport / travel document
    Non- HK Residents
    Valid passport / travel document
  • Residential address (Post Office Box is not acceptable)
  • Occupation and employment details
  • Purpose of account opening and the anticipated account activities
  • Source of wealth and source of funds
  • Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

Important Notice

  • The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
  • The Bank reserves the right to decline any account opening application without providing any reason.
  • For fees and charges incurred on the account, please refer to “Bank Service Charges”.

#
Senior citizens aged 65 or above, customers aged below 18, beneficiaries of Comprehensive Social Security Assistance (CSSA) Scheme or Normal or Higher Disability Allowance, disabled or visually impaired persons will be exempted from the minimum initial deposit requirement for account opening.

 

  • CURRENT ACCOUNTS
    Currency types
    • HKD
    • USD
    • RMB
    Deposit interest
    • Nil
    Minimum initial deposit for account opening
    • HKD#:500
    • USD:100
    • RMB:500

    Minimum balance requirement

    • Nil
    Overdraft interest
    • Prime rate + 10% p.a.

    Handling charge on unauthorized overdraft

    • Please refer to the “Bank Service Charges”

    Dormant account charge

    • Nil

    Rights of set-off

    • Yes (please refer to Account Rules for details)

    Account closure

    • Visit any of our branches in person



    Documents and information required for Opening of Personal Account

    • Identification Document (Original)
    • Nationality Identification required for account opening
      HK Permanent Residents
      Hong Kong Permanent Identity Card
      HK Residents
      Hong Kong Identity Card and valid passport / travel document
      Non- HK Residents
      Valid passport / travel document
    • Residential address (Post Office Box is not acceptable)
    • Occupation and employment details
    • Purpose of account opening and the anticipated account activities
    • Source of wealth and source of funds
    • Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

    Important Notice

    • The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
    • The Bank reserves the right to decline any account opening application without providing any reason.
    • For fees and charges incurred on the account, please refer to "Bank Service Charges".

#
Senior citizens aged 65 or above, customers aged below 18, beneficiaries of Comprehensive Social Security Assistance (CSSA) Scheme or Normal or Higher Disability Allowance, disabled or visually impaired persons will be exempted from the minimum initial deposit requirement for account opening.

 

  • FIXED DEPOSIT ACCOUNTS
    Currency types
    • HKD
    • US notes / TT
    • RMB
    • GBP
    • AUD
    • CAD
    • EUR
    • JPY
    • NZD
    • CHF

    Basis on interest determined
    (for both leap year and ordinary year)

    • Interest shall accrue upon the daily balance of a deposit, calculated on the basis of the actual number of days elapsed (including the first day of the period during which it accrues but excluding the last)
    • HKD & GBP: 365 days a year basis
    • Other currencies:360 days a year basis
    Payment of interest
    • Unless otherwise stated, payable on the maturity date of a fixed deposit
    Proceeds of maturity
    • Renew both principal and interest
    • Renew principal and withdraw interest
    • Renew part of principal and withdraw the remaining of principal and interest
    • Withdraw both principal and interest

    Withdrawal methods

    • Cash
    • Cashier order / demand draft#
    • CHATS #
    • Transfer to same currency savings / current account

    Minimum deposit amount

    • HKD and RMB:5,000
    • JPY:100,000
    • Other currencies:1,000

    Dormant account charge

    • Nil

    Rights of set-off

    • Yes (please refer to Account Rules for details)

    Interest rate applied on time deposits which have matured but have not been renewed or withdrawn

    • Nil

    Early withdrawal

    • No interest shall be payable and a premature uplifting funding cost will be charged

    Account closure

    • Visit any of our branches in person

Documents and information required for Opening of Personal Account

  • Identification Document (Original)
  • Nationality Identification required for account opening
    HK Permanent Residents
    Hong Kong Permanent Identity Card
    HK Residents
    Hong Kong Identity Card and valid passport / travel document
    Non- HK Residents
    Valid passport / travel document
  • Residential address (Post Office Box is not acceptable)
  • Occupation and employment details
  • Purpose of account opening and the anticipated account activities
  • Source of wealth and source of funds
  • Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

Important Notice

  • The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
  • The Bank reserves the right to decline any account opening application without providing any reason.
  • For fees and charges incurred on the account, please refer to "Bank Service Charges".

# Relevant service fee will be charged. For details, please refer to the "Bank Service Charges".

 

Customer Services Hotline:
(852) 3768 6888