Open account via e-Account Service
Complete simple tasks and enjoy preferential interest rate!
HKD 1-Month Preferential Time Deposit Interest Rate of 6.18% p.a.
From now to March 31, 2025, eligible new customers who
open an account through “e-Account Service” and complete simple tasks
by designated dates can enjoy preferential time deposit interest rate without the needs
of going to branches!
Complete Simple Tasks
Open an account via e-Account Service
Open a Securities Account via Online Banking / Mobile Banking
Deposit funds of HKD $100,000 or above
Enjoy Preferential Interest Rate of
p.a. HKD 1-month preferential time deposit interest rate
Notes:
- For eligible customers depositing HKD $100,000 or above, the first HKD $100,000 (fixed amount) of the deposit will be entitled to the preferential interest rate of 6.18% p.a..
- The offer is bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
4 Simple Steps to
unlock Preferential Interest Rate!
unlock Preferential Interest Rate!
Open an Account via CCB (Asia)'s e-Account Service
Task Completion Period
February 17 to March 31, 2025
February 17 to March 31, 2025
Click here or scan the QR code
below to download the CCB (HK&MO) App
and open an account via the "e-Account Service"!
and open an account via the "e-Account Service"!
After downloading the CCB (HK&MO) App, click
on:
“e-Account Service” > “Start account application"
“e-Account Service” > “Start account application"
Application Tip (1): When applying, be reminded to select all types of accounts available, inclusive of: Multi-currency Statement Savings Account, HKD Statement Savings Account, and Time Deposit Account.
 |
Upon successfully submitting your application.
click “Yes” to open an investment account.
|
Please select one of the following 2 methods to verify your residential address:
- Email Verification: Please attach valid residential address proof document and reply to our confirmation email* sent 1 working day after you express your intention to open an investment account through Mobile Banking.
- Verification Code Letter: We will send a verification code letter to your registered residential address. Please use this verification code to confirm your residential address (see step 3 for details).
*Note: The confirmation email will only be sent from ntb@asia.ccb.com. Apart from responding to the specific confirmation email issued by the Bank and providing residential address proof, we do not accept or process any other related emails sent to this mailbox, including but not limited to applications, inquiries, personal data updates, etc.
Complete Online Registration Form
Task Completion Period
February 17 to April 17, 2025
February 17 to April 17, 2025
Please click here
or scan the following QR code to complete the online registration form after submitting your account opening application.
or scan the following QR code to complete the online registration form after submitting your account opening application.
Please ensure that all entered data is accurate and error-free. Any discrepancies compared to bank records may result in the failure to place a time deposit.
Open a Securities Account via Online Banking/Mobile Banking
Task Completion Period
February 17 to April 17, 2025
February 17 to April 17, 2025
[For customers verifying residential address via email]
After receiving our bank's email confirming your successful submission of valid residential address proof, log into the Mobile Banking and click on "Investment
Account Opening" > “Securities Trading" > Complete the relevant application
[For customers verifying residential address via email]
After receiving our bank's email confirming your successful submission of valid residential address proof, log into the Mobile Banking and click on "Investment
Account Opening" > “Securities Trading" > Complete the relevant application
[For customers verifying residential address via verification code letter]
After receiving the verification code letter, log into the Mobile Banking,
then click on “+” icon under “Menu”> “e-Account Service” > “Residential
Address Verification” and enter the verification code from the letter to
complete the verification.
[For customers verifying residential address via verification code letter]
After completing the residential address verification, click on "Investment
Account Opening" > “Securities Trading" > Complete the relevant application
[For customers verifying residential address via verification code letter]
After completing the residential address verification, click on "Investment
Account Opening" > “Securities Trading" > Complete the relevant application
Deposit funds of HKD $100,000 or above
Task Completion Period
February 17 to April 17, 2025
February 17 to April 17, 2025
Deposit HKD $100,000 or above into the designated account via
channels such as "FPS" (Faster Payment System) or ATMs in order to place a time deposit
After completing the above tasks, you will receive an eligibility confirmation email within 3 working days. The Bank will execute the placement of a time deposit for you, at a HKD 1-Month Preferential Time Deposit Interest Rate of
p.a.
within 5 working days after you complete all tasks.
Note: Please ensure the designated account maintains a minimum balance of HKD $100,000 for HKD 1-month preferential time deposit placement. A shortfall in required funds could lead to a failure in time deposit placement.
Application Tips
If I didn't indicate that I wanted to apply for an investment account on the last page when applying for my e-Account, how should I handle it?
To open an investment account, you need to complete address verification first: log in to your Mobile Banking and click on: the '+' icon under "Menu" > "e-Account Service" > " Regenerate Address Verification Code".
We will send a verification code letter to your registered residential address. After receiving the verification code letter, follow the relevant Step 3 above (steps regarding ‘[For customers verifying address via verification code letter]’) to complete the residential address verification and opening of the investment account.
What constitutes acceptable‘valid residential address proof’?
A 'valid residential address proof' must be issued within the recent 3 months, include the issue date, name of the issuing institution, your full name, and complete residential address, such as public utilities bill or bank statement.
Mail received irregularly, such as marketing letters, is not considered 'valid residential address proof'.
Mail received irregularly, such as marketing letters, is not considered 'valid residential address proof'.
What should I do since I received an email from your bank stating that the address proof I provided is invalid?
Please provide a valid residential address proof that per the outlined requirements or await the delivery of the address verification code letter so that you can use the code on the letter to complete the residential address verification process in the Mobile Banking.
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Enquiry Hotline: (852) 2903 8308
Don't be tempted by quick money. Don't lend your bank account to anyone to launder money.
Terms & Conditions
Terms and Conditions for New Personal Banking Customer Time Deposit Promotion (“Program”)
A. General Terms and Conditions
B. Offer Details
A. General Terms and Conditions
- The promotion period of the Program is from February 17, 2025 – March 31, 2025, both dates inclusive (“Promotion Period”).
- The Promotion is only applicable to new “WISE BANKING” customers and general personal banking customers of China Construction Bank (Asia) Corporation Limited (the “Bank”) within the Promotion Period and have not maintained any accounts in sole name or joint name and used any banking products or services (excluding credit card account) of the Bank in the past 12 months before the date of joining this Program, i.e., between February 17, 2024, and February 16, 2025, inclusive of both dates ("Eligible Customers"). The Promotion is not applicable to Private Banking customers, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, “PRIVATE WEALTH”, “PREMIER BANKING” personal banking customers of the Bank and the customers who maintain a Wealth Management Connect “Southbound Scheme” account with the Bank (regardless of the customers opened the “Southbound Scheme” account before/during the Promotion Period or at the time of receipt of Offer), and is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank. This Promotion is only applicable to customers registered with a Hong Kong address. The Bank reserves the right to determine the eligibility of the customers for this Promotion.
- Eligible Customers will be entitled to the offer as specified under Section B (“Offer”) for only once; for joint accounts, only the primary account holders will be entitled to the Offer and qualified as Eligible Customers.
- If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer.
- If an Eligible Customer terminates or cancels any of the relevant services in respect of which offers would be awarded or no longer holds any Savings or Checking account with the Bank before or at the time of receiving the relevant Offers, he/ she will be disqualified.
- The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
- Eligible Customers are also bound by the terms and conditions for the relevant banking products and services. Please refer to the relevant promotional materials, visit the official website of the Bank or contact our staff for details.
- In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.
B. Offer Details
-
Eligible Customers are required to complete the following designated tasks by specified dates:
*Please ensure the particulars recorded on the Program Registration Form are correct. Any discrepancies failing to match with the Bank's record might culminate in an unsuccessful Time Deposit placement. In scenarios where a customer has submitted multiple times of Program Registration Form, the Bank shall proceed with the most recent version rendition of the form for further processing.Task
Task Completion Date
(Both Dates Inclusive)a. Through CCB (Asia)'s "e-Account Service",
- Open all of the following accounts including (i) Multi-Currency Statement Savings Account, (ii) HKD Statement Savings Account, and (iii) Time Deposit Account
February 17 to
March 31, 2025b. Complete the online Program Registration Form*
February 17 to
April 17, 2025c. Complete "Residential Address Confirmation" verification and via CCB (Asia)'s Online Banking / Mobile Banking complete the Securities Account opening
February 17 to
April 17, 2025d. Deposit HKD $100,000 or above into the newly established HKD Statement Savings Account.
February 17 to
April 17, 2025 -
The eligible Customers who meet all the requirements listed in clause 9 (“Eligible Customers who have completed the tasks”) above can enjoy the following preferential interest rate offer (“Offer”).
Time Deposit Amount
Time Deposit Interest Rate
HKD $100,000
(Fixed Amount)Preferential Interest Rate for 1-Month HKD Time Deposit:
6.18% p.a.
-
Eligible customers who have completed the tasks will receive an email notification within 3 working days from the day of tasks completion. The Bank will set up the Time Deposit for eligible customers as per the terms outlined in Clause 10, featuring the preferential interest rate, within 5 working days from the day of tasks completion.
Principal amount of the Time Deposit will be debited from your HKD Statement Savings Account, please ensure that the designated account holds adequate funds, specifically a minimum balance of HK$100,000, to facilitate the time deposit placement. Failing which, it may result in an unsuccessful placement of the Time Deposit. Maturity instruction of the Time Deposit will be crediting the principal plus interest to your HKD Statement Savings Account.
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.
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.
Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.
Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.
Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.
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.
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.
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.
Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.
Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.
Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.
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.
