Seize Market Opportunities with Enhanced FX Services

Exchange Currencies to Enjoy HK$180 Cash Reward and a Chance to Win Travel Coupons of up to HK$20,000

During the promotion period from now until December 31, 2024, CCB (Asia) eligible customers¹ can enjoy the following FX offers!

CCB (Asia) has fully enhanced its mobile FX services and introduced the new "FX Widget" function to help you keep up with market trends and seize foreign exchange opportunities with ease!

1FX Watchlist

Select your preferred currency pairs and view the real-time exchange rate
at a glance.

2Interactive FX Charts

Interactive charts paired with technical indicators make it easy to
analyze FX trends.

3FX News and Relevant Economic Indicators

Always keep track of the FX news and seize opportunities in the forex market.

4FX Price Alerts and Limit Orders

Customize the target exchange rates and receive instant notification or automatically exchange when the target price is reached.

New Customers

Existing Customers

Apply for e-Account Service

Just a few steps to open account anytime, anywhere at your fingertips. No branch visit is needed.

Online Banking / Mobile Banking

Remarks:

For the definition of eligible customer for each offer, please refer to the following terms and conditions.
Exclude FX transactions between HKD and USD, and FX transactions made via remittance, mutual fund subscription, bill payment service and transfers via Cross Border Long Card.
Customers who make an eligible FX transaction in the amount or equivalent to HK$50,000 or above, will be entitled to one lucky draw chance. The more FX transactions the customer completes, the more lucky draw chances the customer will be entitled to take part in. While there are no limits to the number of lucky draw chances, eligible customer can only get 1 prize each.
New customers are defined as customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name nor used any of the Bank’s banking products or services (excluding credit card accounts) in the past 12 months before account opening. During the Promotion Period, new customers have to complete at least one eligible FX transaction in the amount or equivalent to HK$50,000 or above to be entitled to an extra lucky draw chance.
Only applicable to personal customers of Personal Banking, Private Wealth and Private Banking who have not conducted any FX transactions via any channels of the Bank in sole name or joint name account from October 1, 2023 to September 30, 2024.
“Preferential Time Deposit Interest Rate” is only applicable to customers who fulfill either one of the following criteria:
- Private Wealth or Private Banking customers of the Bank; or
- Place the Eligible Time Deposit with amount reaching HK$500,000 equivalent or above and set up Direct Debit Authorization (DDA) payment instruction during the Promotion Period.
"FX Spread Discount" refers to the percentage discount on FX profit spread normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. The above FX Spread Discount is for reference only and may subject to changes from time to time without prior notice. When customers conduct FX transactions, the exchange rates will be automatically adjusted to preferential exchange rates with FX spread discount.

The above offers and services are bound by related terms and conditions, please refer to the following terms and conditions or promotion pages for respective products and services.

Enquiry Hotline : 2903 8343

Terms & Conditions

Terms and Conditions for Foreign Exchange (“FX”) Promotion (the “Promotion”)

A. General Terms and Conditions:

The promotion period of this Promotion is from October 1, 2024 to December 31, 2024 (both dates inclusive) (the “Promotion Period”).
China Construction Bank (Asia) Corporation Limited (the “Bank”) reserves the right to vary, suspend and terminate the Promotion and to vary or modify any of these Terms and Conditions from time to time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
If there is any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

B. Terms and Conditions for Lucky Draw (“Offer 1”):

Offer 1 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking of the Bank, but not applicable to staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank (“Offer 1 Eligible Customer(s)”).
During the Promotion Period, Offer 1 Eligible Customers who have successfully completed FX transactions (including HKD, USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD, SGD and RMB; but excluding FX transactions between HKD and USD, and FX transactions conducted via remittance, mutual fund subscription, bill payment service and transfer via Cross Border Long Card) (“Eligible FX Transaction(s)”) in the amount of or equivalent to HK$50,000 or above via the Bank’s Mobile Banking or Online Banking, will be entitled to one lucky draw chance. Each Eligible FX Transaction will be entitled to one lucky draw chance only. For accounts in joint names, only the primary account holders will be eligible for the lucky draw chance.

New customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name, nor used any of the Bank’s banking products or services (excluding credit card accounts) in the past 12 months before account opening (“New Customer(s)”), will be entitled to an extra lucky draw chance if at least one Eligible FX Transaction in the amount of or equivalent to HK$50,000 or above has been completed.

Example of calculating total lucky draw chances:

	During the Promotion Period, customer has	Total number of lucky draw chances
Example 1	successfully completed two eligible FX transactions of HK$80,000 and HK$100,000 respectively via online	2
Example 2	successfully completed two eligible FX transactions of HK$30,000 and HK$60,000 respectively via online	1
Example 3	became the Bank’s new customer, and successfully completed two eligible FX transactions of HK$50,000 and HK$100,000 respectively via online	3
Example 4	successfully completed an eligible FX transaction of HK$200,000 via online and a FX transaction of HK$100,000 via branch	1
Example 5	became the Bank’s new customer, and successfully completed an eligible FX transaction of HK$30,000 via online and a FX transaction of HK$100,000 via branch	0

If the Eligible FX Transaction does not involve HKD, the HKD equivalent cumulative transaction amount will be calculated based on the exchange rate (of the currency bought by the customer) determined by the Bank on the date of transaction. In case of any disputes, the decision of the Bank on calculation of the transaction amount shall be final.
There is no limit on the number of lucky draw chances for each Offer 1 Eligible Customer. However, each winner will be entitled to 1 prize only. Winners will receive travel coupons as the prize and the quota for winners is limited to 10. Details are as follow:

Prize (Travel Coupon)

Grand Prize
(1 winner) HK$20,000

2nd Prize
(3 Winners) HK$5,000

3rd Prize
(6 Winners) HK$2,000
The prize cannot be transferred, refunded or exchanged for cash and other prizes.
Winners will be drawn randomly by computer system of the Bank on or before March 31, 2025. The winner will be contacted by the Bank’s staff and the result announcement will be published on the Bank’s website on or before April 30, 2025. Customers do not have any right to dispute the results. The bank account of the winner must remain valid at the time of receiving the prize, otherwise, the prize will be forfeited.
The travel coupon is provided by the prize supplier and is subject to its terms and conditions. Winner must redeem the travel coupon within the validity period stated under the terms and conditions, no reissue of the travel coupon will be arranged due to expiry of the validity period. The Bank shall not act as, or assume any liability of, a prize supplier or its agent. Any claim, complaint, or dispute concerning the prizes must be referred to and resolved directly between the supplier and the winner, which shall in no way relieve such customer from his/her obligations to the Bank (if any).
The Bank reserves the right to replace the prize with any alternative gift without prior notice.
In the event of any dispute arising from the lucky draw, the Bank’s decision shall be final and conclusive.

C. Terms and Conditions for Online FX Cash Reward (“Offer 2”):

Offer 2 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking of the Bank, but not applicable to staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank.
For accounts in joint names, only the primary account holders will be eligible for Offer 2.
Offer 2 is only applicable to the personal customers who have not conducted any FX transactions via any channels of the Bank in sole name or joint name accounts from October 1, 2023 to September 30, 2024 (“Offer 2 Eligible Customer(s)”).
During the Promotion Period, Offer 2 Eligible Customers who have successfully conducted FX transactions (including HKD, USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD, SGD and RMB; but excluding FX transactions between HKD and USD, and FX transactions conducted via remittance, mutual fund subscription, bill payment service and transfer via Cross Border Long Card) via the Bank’s Mobile Banking or Online Banking (“Eligible FX Transaction(s)”) and accumulate Eligible FX Transaction with amount reaching HK$300,000 or above (or equivalent), can enjoy HK$180 cash reward.
If the Eligible FX Transaction does not involve HKD, the HKD equivalent cumulative transaction amount will be calculated based on the exchange rate (of the currency bought by the customer) determined by the Bank on the date of transaction. In case of any disputes, the decision of the Bank on calculation of the transaction amount shall be final.
Each Offer 2 Eligible Customer can only enjoy the cash reward once during the Promotion Period.
The Bank will credit the cash reward to the Offer 2 Eligible Customer’s Packaged Banking Settlement Account or the HKD Savings / Checking account (excluding “Step Up Savings Account”) with the latest account opening date maintained with the Bank on or before March 31, 2025. Such account must be valid at the time of crediting the cash reward, otherwise, the cash reward will be forfeited.

D. Terms and Conditions for Foreign Currency Exchange & Time Deposit Promotion (“Offer 3”):

Offer 3 is only applicable to personal customers of Personal Banking or Private Wealth and Private Banking customers of the Bank (“Offer 3 Eligible Customer(s)”), but not applicable to Corporate customers, Commercial Banking customers, investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area and Capital Investment Entrant Scheme customers of the Bank.

During the Promotion Period, Offer 3 Eligible Customers who exchange a designated currency (as defined in table below) in the amount ranging from HK$100,000 to HK$50,000,000 (or equivalent) to any time deposit currency (as defined in table below) through the Bank’s branch staff or Relationship Managers via phone call or by visiting our branches (“Designated Channels”) and simultaneously place a 1-week Time Deposit with the exchanged currency in its entire amount traded (“Eligible Time Deposit”), can enjoy the below time deposit interest rate (p.a.)* offer (“Time Deposit Interest Rate Offer”). Offer 3 Eligible Customers who fulfill any criteria mentioned in clause 2.1 below can enjoy bonus interest rate (p.a.) (the “Preferential Time Deposit Interest Rate”)* :

2.1Criteria to enjoy the “Preferential Time Deposit Interest Rate” include:

Private Wealth or Private Banking customers of the Bank; or
Place the Eligible Time Deposit with amount reaching HK$500,000 equivalent or above, and set up Direct Debit Authorization (DDA) payment instruction during the Promotion Period.

Designated Currency	Time Deposit Currency	1-week Time Deposit Interest Rate (p.a.)* Offer
		Offer 3 Eligible Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria	Other Offer 3 Eligible Customers
RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD	AUD	16.8%	13.8%
	NZD
	CAD
	GBP
	RMB	10.8%	8.8%
	USD
	HKD	8.8%	6.8%
	JPY	3.8%	1.8%

*The above Time Deposit Interest Rates (p.a.) are for reference only but not guaranteed and it will be subject to changes in rates quoted by the Bank from time to time. Before making the relevant transaction, please check with our Bank’s staff for the effective Time Deposit Interest Rate (p.a.) applicable to the transaction.

The Time Deposit Interest Rate Offer is only applicable to Offer 3 Eligible Customers who conduct the exchange transaction and simultaneously place the Eligible Time Deposit through the Bank’s Designated Channels, and is not applicable for time deposits and exchange transactions conducted through the other channels of the Bank, e.g. mobile banking, online banking, phone banking and/or Smart Teller Machine etc.
The exchange rate will be the daily exchange rate as provided by the Bank’s branches from time to time, once the customer and the Bank agreed and confirmed the exchange rate, it will be binding and irrevocable, notwithstanding that the Bank may quote a different exchange rate through other channels.
The Time Deposit Interest Rate Offer is calculated based on the transaction amount per deposit transaction. The transaction amount cannot be aggregated.
Any withdrawal or partial withdrawal of a time deposit prior to maturity of the foreign currencies time deposit without sufficient prior notice shall only be permitted at the discretion of the Bank. The Bank may levy a charge and/or forfeit the interest accrued on the foreign currencies deposit in whole or in part in such instances.
If a Typhoon No. 8 or above signal or a black rainstorm warning is hoisted on the (i) time deposit set-up date or maturity date with renewal instruction, the instruction will be processed on the next business day; (ii) maturity date with non-renewal instruction, the matured deposits will be credited into the designated account on the maturity date. The prevailing deposit rate and exchange rate on the time deposit set-up date or renewal date (at such time as the Bank determines) will apply.
If the maturity date of the time deposit period falls on a day which is not a Business Day (as defined below), the maturity date of the time deposit and / or the automatic roll-over instruction of the time deposit will be deferred to the following Business Day without prior notice. The Bank will not be responsible to any person for the deferral of the time deposit maturity date and/or the automatic roll-over instruction. “Business Day" means a day on which the Bank is open for business in Hong Kong, but excluding Saturdays, Sundays, public holidays and the day which the Bank is unable to open for business due to extreme weather or sudden event.
Offer 3 cannot be used in conjunction with other interest rate offers.

E. Terms and Conditions for FX Spread Discount (“Offer 4”):

Offer 4 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking, investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area and Capital Investment Entrant Scheme customers of the Bank (“Offer 4 Eligible Customer(s)”), but not applicable to Corporate customers and Commercial Banking customers of the Bank.

During the Promotion Period, Offer 4 Eligible Customers who conduct real-time FX transactions via the Bank at Telegraphic Transfer (TT) exchange rates can enjoy below FX Spread Discount:

Channel	FX Spread Discount
Channel	Private Banking / Private Wealth Customers	Premier Banking Customers	Wise Banking Customers	Other Personal Customers
Mobile Banking / Online Banking	40% off	30% off	20% off	10% off
Others	30% off	20% off	10% off	N/A

"FX Spread Discount" refers to the percentage discount on FX profit spread normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived.
The above FX Spread Discount is for reference only and may subject to changes from time to time without prior notice.
When customers conduct FX transactions, the exchange rates will be automatically adjusted to preferential exchange rates with FX Spread Discount.

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment products are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Some investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. The investment decision is yours, but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.

FX Linked Deposit

FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.

FX Linked Deposit - Principal Protected Deposit
FX Linked Deposit - Principal Protected Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposit. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund. This product is principal protected conditionally and is subject to the credit risk of the Bank. Investing in FX Linked Deposit – Principal Protected Deposit is not the same as directly buying the relevant currencies. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. The principal amount and the interest will be paid in the Deposit Currency. Besides, whether or not you will receive the high interest, if the Deposit Currency is not in your home currency, you may suffer a loss due to the currency risk originated by the Deposit Currency’s exchange rate fluctuations, which may offset or even exceed any potential gain. FX Linked Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - Principal Protected Deposit and it is not collateralized. You should also pay attention to the relevant market risk and the risk of early termination by the Bank upon occurrence of certain events.

(Only applicable to Swap Deposit) If Currency Event Designation by the Bank (i.e. occurrence of any event or existence of any condition, such as the imposition of exchange controls or monetary measures, such that the convertibility or transferability of the Deposit Currency and the Linked Currency becomes impossible, illegal or impracticable) occurs, the Bank has the right to early terminate the Swap Deposit and will pay the Mandatory Redemption Amount in the Deposit Currency (instead of the Repayment Amount) only to the customer on the Mandatory Redemption Date. The Mandatory Redemption Amount may be substantially less than the Principal Amount and in the worst case, is zero.

Currency Exchange
Currency exchange involves bid-ask spread.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.

RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.

Disclaimer
This promotion material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any investment product in or outside Hong Kong. The promotion materials are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Ordinance (Chapter 41, Laws of Hong Kong) and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This promotion material has not been reviewed by any regulatory authorities in Hong Kong.

	Prize (Travel Coupon)
Grand Prize (1 winner)	HK$20,000
2nd Prize (3 Winners)	HK$5,000
3rd Prize (6 Winners)	HK$2,000