Foreign Exchange Promotion

Enjoy up to HK$5,000 Cash Rewards and Foreign Currency Time Deposit Interest Rate of up to 16.8% p.a.

Foreign Exchange Promotion

During the promotion period from now until September 30, 2024, CCB (Asia) eligible customers¹ can enjoy the following FX offers!

Up to HK$5,000 Cash Reward for Online Foreign Exchange

Eligible customers² who conduct FX transactions³ via the Bank’s Mobile Banking or Online Banking and fulfill designated cumulative amounts, can enjoy up to HK$4,800 cash reward!

Cumulative Eligible FX Transaction Amount (HKD or equivalent)	Cash Reward
HK$5,000,000	HK$4,800
HK$3,000,000	HK$2,500
HK$1,000,000	HK$800
HK$500,000	HK$300
HK$300,000	HK$150

Besides, if the eligible FX transaction includes Designated FX Transaction^# with cumulative transaction amount reaching HK$200,000 or above (or equivalent), customers can enjoy an extra HK$200 cash reward!

# "Designated FX Transaction" refers to FX transaction between CNH, AUD, NZD, GBP, JPY, EUR, CHF, CAD and SGD, excluding any FX transaction involving HKD or USD.

Up to 16.8% p.a.* Time Deposit Interest Rate for Exchanging Currency and Placing a Time Deposit Simultaneously

Customers who exchange a designated currency (refer to the table below) in the amount ranging from HK$100,000 to HK$50,000,000 (or equivalent) to any time deposit currency (refer to the table below) through our branch staff or Relationship Managers via phone call or by visiting our branch, and simultaneously place a 1-week Time Deposit with the exchanged currency in its entire amount traded, can enjoy interest rates of up to 16.8%* p.a!

Designated Currency	Time Deposit Currency	1-week Time Deposit Interest Rate (p.a.) Offer*
Designated Currency	Time Deposit Currency	Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria ⁴	Other Customers
RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD	AUD	16.8%	13.8%
	NZD
	CAD
	GBP
	RMB	11.8%	9.8%
	USD	10.8%	8.8%
	HKD	8.8%	6.8%

*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.

Up to 40% Off FX Spread Discount

Customers who conduct FX transactions via the Bank can enjoy a FX spread discount⁵ of up to 40% off with no cap!

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

Comprehensive Range of FX Products and Services

CCB (Asia) provides you with diversified FX products and services to support your different needs!

Foreign Exchange Service

We offer a wide selection of major currency choices for foreign exchange made via Online Banking, Mobile Banking, Phone Banking or by visiting our branches.

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FX Limit Order

You can set up FX Limit Order through our Online Banking or Mobile Banking by presetting a target exchange rate and trading amount. The currencies will be automatically converted once the target exchange rate is reached which enable you to grasp FX trading opportunity easily.

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Online Foreign Currency Banknotes Reservation

You can conduct a foreign exchange in advance via Online Banking or Mobile Banking first and then reserve banknotes online for collection at any of our branches. It’s fast and easy.

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FX Linked Deposit – Principal Protected Deposit

You can enjoy higher potential return with 100% principal protection and no currency conversion involved. This will help you balance risk and return.

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FX Linked Deposit – High Yield Deposit

Depending on your expected and the actual exchange rate performance, you may have the opportunity to enjoy higher potential return upon maturity, or buy the linked currency at the “Initial Exchange Rate” to meet your foreign currency needs.

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Treasury Specialist

Our Treasury Specialists provide FX market updates and professional analysis to keep you informed on the latest trends, enabling you to seize investment opportunities amidst the fast-changing FX market.

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.

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Login and exchange now

Online Banking
Mobile Banking

Remarks:

For the definition of eligible customer for each offer, please refer to the following terms and conditions.
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 July 1, 2023 to June 30, 2024.
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.
“Preferential Time Deposit Interest Rate” is only applicable to customers who fulfill either one of the following criteria:
1. Private Wealth or Private Banking customers of the Bank; or
2. Place the Eligible Time Deposit with amount reaching HK$500,000 equivalent or above, and fulfill any of below conditions:
  1. Set up Direct Debit Authorization (DDA) payment instruction during the Promotion Period; or
  2. Set or maintain the Bank as Default Recipient Bank for FPS 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 and Conditions

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

A. General Terms and Conditions

The promotion period of this Promotion is from July 1, 2024 to September 30, 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 Online FX Cash Reward (“Offer 1”)

Offer 1 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking of the Bank, but not applicable 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 1.
Offer 1 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 July 1, 2023 to June 30, 2024(“Offer 1 Eligible Customer(s)”).

During the Promotion Period, Offer 1 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 have fulfilled the designated cumulative Eligible FX Transaction amounts as set out below can enjoy the following cash reward:

Cumulative Eligible FX Transaction Amount (HKD or equivalent)	Cash Reward
HK$5,000,000	HK$4,800
HK$3,000,000	HK$2,500
HK$1,000,000	HK$800
HK$500,000	HK$300
HK$300,000	HK$150

If the Eligible FX Transaction of Offer 1 Eligible Customer who entitles to the cash reward mentioned in clause 4 above includes Designated FX Transaction with cumulative transaction amount reaching HK$200,000 or above (or equivalent), customers can enjoy an extra HK$200 cash reward. Designated FX Transaction refers to FX transaction between CNH, AUD, NZD, GBP, JPY, EUR, CHF, CAD and SGD, excluding any FX transactions involving HKD or USD (“Designated FX Transaction(s)”).
If the Eligible FX Transaction or Designated 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 1 Eligible Customer can only enjoy the cash reward once during the Promotion Period.
The Bank will credit the cash reward to the Offer 1 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 December 31, 2024. Such account must be valid at the time of crediting the cash reward, otherwise, the cash reward will be forfeited.

C. Terms and Conditions for Foreign Currency Exchange & Time Deposit Promotion (“Offer 2”)

Offer 2 is only applicable to personal customers of Personal Banking or Private Wealth and Private Banking customers of the Bank (“Offer 2 Eligible Customer(s)”), but not applicable to Commercial Banking customers, investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank and Capital Investment Entrant Scheme customers of the Bank.

During the Promotion Period, Offer 2 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 2 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”)*:
2.1 Criteria 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 fulfill any of below conditions:
1. Set up Direct Debit Authorization (DDA) payment instruction during the Promotion Period; or
2. Set or maintain the Bank as Default Recipient Bank for FPS during the Promotion Period.

Designated Currency	Time Deposit Currency	1-week Time Deposit Interest Rate (p.a.)* Offer
Designated Currency	Time Deposit Currency	Offer 2 Eligible Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria	Other Offer 2 Eligible Customers
RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD	AUD	16.8%	13.8%
	NZD
	CAD
	GBP
	RMB	11.8%	9.8%
	USD	10.8%	8.8%
	HKD	8.8%	6.8%

The Time Deposit Interest Rate Offer is only applicable to Offer 2 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 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 2 cannot be used in conjunction with other interest rate offers.

D. Terms and Conditions for FX Spread Discount (“Offer 3”)

Offer 3 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 3 Eligible Customer(s)”), but not applicable to Corporate customers and Commercial Banking customers of the Bank.

During the Promotion Period, Offer 3 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

FX Linked Deposit
FX Linked Deposit is a structured product involving derivatives and you should exercise caution in relation to this product. The investment decision is yours but you should not invest in FX Linked Deposit 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.

FX Linked Deposit is not equivalent to nor a substitute for time deposit. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong.

FX Linked Deposit – Principal Protected Deposit is not the same as directly buying the relevant currencies. It also involves derivatives risk. Although it is principal protected, it is subject to the credit risk of the Bank and it is not collateralized. There is no secondary market for FX Linked Deposit – Principal Protected Deposit and early withdrawal is not allowed. You should also pay attention to the relevant market risk and the risk of early termination by the Bank upon occurrence of certain events. 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 from the Deposit Currency’s exchange rate fluctuations, which may offset or even exceed any potential gain. FX Linked Deposit – Principal Protected Deposit is not covered by the Investor Compensation Fund. The potential return is limited, and the principal amount and the interest will be paid in the Deposit Currency.

FX Linked Deposit – High Yield Deposit is not the same as directly buying the relevant currencies. It also involves derivatives risk. You will be subject to the credit risk of the Bank and it is not collateralized. There is no secondary market for FX Linked Deposit – High Yield Deposit, and early withdrawal is not allowed. The Bank has the right to early terminate the product upon occurrence of certain events. Besides, if the Deposit Currency and/or Linked Currency are not in your home currency, you may suffer a loss due to the currency risk originated from the relevant currency’s exchange rates fluctuations, which may offset or even exceed any gain. FX Linked Deposit – High Yield Deposit is not covered by the Investor Compensation Fund. The potential return is limited. Customer should be aware of the market risk, i.e. it is possible for the Bank to convert your money into the linked currency at the initial exchange rate. If the amount to be received by you is converted back into the original deposit currency at the market exchange rate on the relevant day, such converted amount might be less than the principal amount.

Investment involves risks. Before making any investment decision, please carefully read all the related offering documents or product terms and seek for independent and professional/financial/tax advice if needed.

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.

Foreign Exchange Promotion

Enjoy up to HK$5,000 Cash Rewards and Foreign Currency Time Deposit Interest Rate of up to 16.8% p.a.