Wealth is ‘Connect’
Become New PREMIER BANKING customers
Enjoy worth up to HK$3,300 of Tracker Fund Stock Reward, up to 5.38% p.a. Preferential Time Deposit Interest Rate and Fabulous Wealth Management Offers!

Worth up to HK$3,300 of Tracker Fund (Stock Code 2800.HK)*


Worth HK$1,100 of Tracker Fund (Stock Code 2800.HK)*
Enjoy worth HK$1,100 of Tracker Fund (Stock Code 2800.HK)*1 by joining as a new PREMIER BANKING customer2 and fulfilling designated requirements as below:
- Register for Online Banking / Mobile Banking, and logon for at least 3 times in the first 3 calendar months3
- Complete an Investment Profile Questionnaire
- Open a Securities Cash Trading Account4
- Set up an eStatement for bank account(s) / securities account(s)5
- Apply for a UnionPay Dual Currency Debit Card, and complete transaction for once6
- Choose to receive marketing communications by phone call, phone message and email7

Worth HK$2,200 of Tracker Fund (Stock Code 2800.HK)*
New PREMIER BANKING customers who also fulfill other designated requirements as below can additionally enjoy worth HK$2,200 of Tracker Fund (Stock Code 2800.HK)*:
- Maintain a wealth products total balance of HK$100,000 equivalent or above8
- Complete “Financial Planning and Needs Analysis Form (Individual Customer)”9


Click here to learn more.

- Enroll in the Value Added Payroll Service to enjoy Cash and Tracker Fund Rewards worth up to HK$1,700

- Eligible customers who have successfully placed and completed transactions of the respective investment products and fulfilled designated requirements can enjoy up to HK$20,000 Cash Reward

- Up to HK$5,888 Cash Reward for Hong Kong Securities Trading
- $0 Unlimited Brokerage Fee Waiver for US Securities Trading
- Unlimited Cash Bonus for Structured Equity-Linked Products Subscription

- Up to HK$5,000 Cash Rewards for Exchanging Currencies
- Up to 14.8% p.a. Foreign Exchange Time Deposit Interest Rate
- Up to 30% FX Spread Discount for PREMIER BANKING Customers

- Life Insurance Plans Cash Reward of up to HK$12,500
- New PREMIER BANKING Customers can enjoy Additional Cash Reward HK$500


After your account opening, simply invite your friends to complete the “Customer Referral Form” online to register and fulfill designated requirements, you can enjoy HK$500 referral reward for each successful referral of new PREMIER BANKING customer!
The more new customers you refer, the more rewards you can get!

Open a mainland CCB bank account without crossing the border and embrace the convenience of spending and traveling in the mainland.
To borrow or not to borrow? Borrow only if you can repay!
- The first 3,000 eligible new PREMIER BANKING customers can enjoy the reward. The offer is limited by quota and is available on a first-come-first-served basis while quota lasts. The reward is not applicable to the Capital Investment Entrant Scheme customers, commercial customers and private banking customers (inclusive of Private Wealth) of the Bank.
- New PREMIER BANKING customers are those who have not maintained any accounts in sole name or joint name and used any banking products or services (excluding credit card account and Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program.
- Eligible Customers must register for Online Banking / Mobile Banking of the Bank and logon successfully for at least 3 times in the first 3 calendar months (including the Account Opening Month and the following 2 calendar months).
- Eligible Customers must open a Securities Cash Trading Account, within the 2 calendar months after the Account Opening Month.
- Eligible Customers must set up an eStatement for bank account(s) / eStatements for securities account(s) (excluding eStatements for credit card account(s) and cancelled / unsuccessful instruction(s)) within the 2 calendar months after the Account Opening Month.
- Eligible Customers must apply for a UnionPay Dual Currency Debit Card of the Bank, and complete Eligible ATM Card transaction for at least once, within the 2 calendar months after the Account Opening Month.
- Eligible Customers must choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email, within the 2 calendar months after the Account Opening Month.
- Eligible Customers must maintain a wealth products total balance of HK$100,000 equivalent or above, including the balance of: i) their designated investment accounts of the Bank (including: Bond Trading Account, FX Linked Deposit Account, Mutual Fund Investment Account, Securities Cash Trading Account, Securities Margin Trading Account, Gold Trading Account and/or Structured Equity-linked Investment Account) in sole name and joint name and/or ii) the value of total premium paid or cash value/policy value of designated basic life insurance plans (including: Single Pay and/or Regular Pay Product) underwritten by the designated insurance company(ies) which Eligible Customers have purchased through the Bank, within the 2 calendar months after the Account Opening Month.
- Eligible Customers must successfully complete Part 1 - Part 6.3 of “Financial Planning and Needs Analysis Form (Individual Customer)” at any branches of the Bank, within the 2 calendar months after the Account Opening Month.
The above offers and services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
Terms and Conditions for New PREMIER BANKING Customer Promotion (“Program”)
A. General Terms and Conditions:
- The promotion period of the Program is from April 1, 2025 – June 30, 2025, both dates inclusive (“Promotion Period”).
- The Program is only applicable to new customers who have become a PREMIER BANKING customer with China Construction Bank (Asia) Corporation Limited (“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 and Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program (“Eligible Customers”).
- Eligible Customers will be entitled to each of the offers as specified under Section B (“Offers”) for only once during the Promotion Period; for joint accounts, only the primary account holders will be entitled to the Offers and qualified as Eligible Customers. The Offers are limited by quota and are available on a first-come-first-served basis (based on the effective date when an Eligible Customer becomes a new PREMIER BANKING customer) while quota lasts.
- 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.
- If an Eligible Customer terminates the PREMIER BANKING services within 6 months of joining, the Eligible Customer shall pay the Bank a handling charge of HK$500 or such other charge as the Bank may determine from time to time. If an Eligible Customer's Daily Average Combined Balance with the Bank falls below the respective Daily Average Combined Balance for 3 consecutive calendar months, the Customer shall pay the Bank a monthly maintenance fee of HK$300 (applicable to PREMIER BANKING) or such other fee as the Bank may determine starting from the fourth calendar month. For details, please refer to the Terms and Conditions for China Construction Bank (Asia) PRIVATE WEALTH / PREMIER BANKING / WISE BANKING Service.
- 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.
- The Program is not applicable to the Capital Investment Entrant Scheme customers, commercial customers and private banking customers (inclusive of Private Wealth) of the Bank.
- 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. Offers Details
- New PREMIER BANKING Customer Welcome Reward
11.1Eligible Customers must open a Savings or Checking account with the Bank and become a new PREMIER BANKING customer of the Bank within the Promotion Period (“Account Opening Month”), while the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HK$1,000,000 or equivalent, and fulfill the following requirements within the 2 calendar months after the Account Opening Month in order to be entitled to worth HK$1,100 of Free Shares of Tracker Fund of Hong Kong (Stock Code 2800.HK)* Stock Reward:
- Register for Online Banking or Mobile Banking of the Bank, and logon successfully for at least 3 times in the first 3 calendar months (including the Account Opening Month and the following 2 calendar months);
- Complete an Investment Profile Questionnaire;
- Open a Securities Cash Trading Account (“Securities Account”) successfully;
- Set up an eStatement for bank account(s) / eStatements for securities account(s) (excluding eStatements for credit card account(s) and cancelled / unsuccessful instruction(s)) successfully;
- Apply for a UnionPay Dual Currency Debit Card (“ATM Card”) of the Bank and complete eligible ATM Card transaction (as defined in clause 11.2 below) for at least once; and
- Choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email.
*The stock value calculated based on the opening price at the Hong Kong Stock Exchange (HKEX) on October 13, 2025 and for reference only. The details are subject to the announcement by the HKEX.11.2Eligible ATM Card transaction refers to Eligible Customers using the ATM Card to make local / overseas retail spending in HKD / any foreign currencies, or to withdraw or deposit funds. - Top-up Welcome Reward for Investment & Insurance
12.1Eligible Customers must fulfill the requirements as set out in clause 11 and fulfill the following requirements within the 2 calendar months after the Account Opening Month in order to be entitled to worth HK$2,200 of Free Shares of Tracker Fund of Hong Kong (Stock Code 2800.HK)* Stock Reward:
- Maintain a wealth products total balance of HK$100,000 equivalent or above, including the balance of:
- their designated investment accounts of the Bank (including: Bond Trading Account, FX Linked Deposit Account, Mutual Fund Investment Account, Securities Cash Trading Account, Securities Margin Trading Account, Gold Trading Account and/or Structured Equity-linked Investment Account) in sole name and joint name (Eligible Customers being the primary account holder)
and/or - the value of total premium paid or cash value/policy value, whichever is higher, of designated basic life insurance plans (including: Single Pay and/or Regular Pay Product) underwritten by the designated insurance company(ies) (including FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) and/or China Taiping Life Insurance (Hong Kong) Company Limited) which Eligible Customers have purchased through the Bank;
- their designated investment accounts of the Bank (including: Bond Trading Account, FX Linked Deposit Account, Mutual Fund Investment Account, Securities Cash Trading Account, Securities Margin Trading Account, Gold Trading Account and/or Structured Equity-linked Investment Account) in sole name and joint name (Eligible Customers being the primary account holder)
- Successfully complete Part 1 - Part 6.3 of “Financial Planning and Needs Analysis Form (Individual Customer)” at any branches of the Bank.
12.2The prevailing exchange rate determined by the Bank will be adopted for converting the balance from foreign currency to HKD equivalent for the purpose of calculating the amount of the wealth products total balance. In case of any disputes, the decision of the Bank on calculation of the amount shall be final.12.3Eligible Customers must maintain the amount of the wealth products total balance as set out in clause 12.1 i. at the time of depositing the stock rewards. - Maintain a wealth products total balance of HK$100,000 equivalent or above, including the balance of:
- Stock rewards of Welcome Rewards (i.e. under clause 11-12) will be deposited directly to the Eligible Customers’ valid Securities Cash Trading Account with the earliest account opening date according to the schedule below. At the time of depositing the stock rewards, Eligible Customers must still be a valid PREMIER BANKING customer of the Bank (the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HK$1,000,000 or equivalent) and maintain a valid Savings or Checking account, Online Banking or Mobile Banking, Securities Account, eStatement service, ATM Card and the above mentioned banking services, and also maintain as opt-in for the marketing channels as set out in clause 11.1 vi. Otherwise, the stock rewards will be forfeited absolutely and will not be provided to the Eligible Customers through any other means. The first 3,000 eligible new PREMIER BANKING customers can enjoy the rewards. The Offers are limited by quota and are available on a first-come-first-served basis while quota lasts. Below is the schedule for crediting the stock rewards::
Account Opening Date Date of Depositing Stock Rewards April 1, 2025 – June 30, 2025 On or before October 31, 2025 - This does not constitute advice to buy or sell any investment products and does not constitute an offer with respect to any investment products. The price of the Share fluctuates, sometimes dramatically. The price of Share may move up or down, and may become valueless. Thus, it may not be profit-making. You are encouraged to consult your own independent financial advisors before making any investment decision. Investment products are not bank deposit and thus should not be considered as alternative of normal time deposit.
- Please note the relevant risks related to trading of odd lots, including if the proceeds of the odd lots selling order are less than the related charges, customer must pay the difference and bear the loss that may arise from. The processing time of odd lots trading is related to the stock liquidity and the number of odd lot shares. Due to the manual processing of odd lot orders, there is no definite range of price difference between the odd lots and the board lots; such orders may take longer to process and are not guaranteed to be executed. Normally, the execution price of an odd lot order will have several spreads worse than that of a board lot order. In addition, the Bank may only get quote(s) and execute the odd lot trade(s) for customers through one of the few brokers as may be designated by the Bank from time to time, while the Bank will act in customers’ best interests with relevant best execution factors taken into account in relation to customers’ order(s).
- The stock reward value will be determined by the opening price at the Hong Kong Stock Exchange on October 13, 2025. In the event that the scheduled transaction date falls on a non-trading day, the transaction shall be postponed to the next succeeding trading day.
- The relevant Eligible Customers do not have to pay for any trade-related fee involved for the above mentioned stock rewards, including brokerage fees, deposit of stocks charges, and any third-party transaction charges such as transaction levy, stamp duty and trading fee, etc. (“Trade-related Fee”). But you must bear all costs related to transfer out the shares (including but not limited to scrip handling fees); When you hold or sell securities products, you are responsible for paying all relevant fees (including but not limited to safe custody fees, nominee services and trade-related fee). For the details of our Securities Fee Schedule, please refer to CCB (Asia) website > Personal > Terms and Fees > Securities Trading Services.
- In case of any reason the Bank is unable to provide the Free Shares rewards under this Program, the Bank reserves the right to substitute the Free Shares with other reward(s) at any time without prior notice. The value or nature of the substitute reward(s) may differ from the Free Shares specified in these Terms and Conditions.
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.
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.
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.
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.
Mutual Fund Investment
The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.
Bond Trading
Trading of bond involves liquidity risk and interest rate risk and there is no 100% guarantee of positive return but loss may be incurred. There are risks that the bond issuer will be unable to promptly pay the client the interest or principal if a credit event or default occurs on the bond issuer. Investing in emerging markets bonds involves special consideration and higher risks, such as greater price volatility, less developed regulatory and legal framework, economic, social and political instability, etc. Investments in high-yield bonds are additionally subject to higher credit risk and vulnerability to economic cycles. A fund investing primarily in high-yield bonds is further subject to capital growth risk, dividend distributions and other relating risks. The net asset value of such fund may decline or be negatively affected if there is a default of any of the high yield bonds that it invests in or if interest rates change.
Structured Equity-linked Products
Investment in structured equity-linked products involves substantial risks including, among others, market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying stock price moves substantially against the investor’s view.
FX Linked Deposit
FX Linked 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. FX linked deposit 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. Exchange rates are affected by a wide range of factors, including, among others, international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected, 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 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 and it is not collateralized. The Bank can early terminate the FX linked deposit.
Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.
Insurance
Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.
For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company’s Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer’s nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.
Disclaimer
China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), China Taiping Life Insurance (Hong Kong) Company Limited ("TPLHK"), QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute life and general insurance products in the Hong Kong Special Administrative Region. Relevant life and general insurance products are the products of the insurance companies but not the Bank. The above life insurance products are issued and underwritten by FWD Life or TPLHK. FWD Life and TPLHK are authorized and regulated by the Insurance Authority (“IA”) to carry on long term insurance business in the Hong Kong Special Administrative Region; and the above general insurance products are underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the IA to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance companies for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the life or general insurance products. FWD Life, TPLHK, QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for life or general insurance product according to the information provided by the proposed Insured (if applicable) and the customer at the time of application. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the life or general insurance product should be resolved between the insurance company and the customer directly. Information on this website 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 insurance product in or outside Hong Kong.
Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit https://www.ia.org.hk. For the latest information about The Insurance Complaints Bureau, please visit https://www.icb.org.hk.