Value Added Payroll Service

• Latest Promotion

• Pioneer launch RMB Value Added Payroll Service

• With the HKD/RMB Auto-Exchange Plan, you can customize an amount from your Payroll Account to exchange to RMB, so that you can reap the potential benefit of RMB appreciation by using Dollar Cost Averaging to grow wealth.

• Super High RMB Savings Account Interest Rate

• Provides a higher bonus savings interest rate on RMB Savings Account so you can gain greater returns while you enjoy the flexibility.

  Monthly Average Account Balance (RMB)	RMB Savings Account Interest Rate
  	Savings Interest Rate (p.a)		Bonus Interest Rate (p.a.)		Total Interest Rate (p.a)
  $10,000 to $200,000 below	0.10%	+	0.8%	=	0.9%
  $200,000 to $1,000,000	0.10%	+	1%	=	1.1%

• Checking Account Enjoy Savings Account Interest Rate

• Free to choose either a Savings Account or a Checking Account as your HKD Payroll Account. Even if you select a Checking Account, you can also enjoy the same Savings Account interest rate.

• Enjoy Packaged Banking Service Privileges

• Dedicated Relationship Manager to serve your banking needs

• Bonus Points Reward Programme

• Monthly Maintenance Fee Waiver

• Discount offers on banking services, investment and insurance products*

*Offers are subject to terms & conditions.

Learn more about Premier Banking

Please click here for the Terms & Conditions of Value Added Payroll Service.

Risk Disclosure
Investment
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment products are not alternative of normal time deposits. Before making any investment decision, customers are encouraged to consult their own independent financial advisors and read the relevant offering documents in order to ensure that they fully understand the risks associated with the investment products.

Insurance
Customers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies.

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.

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.

Disclaimer
This website does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. Any offer, invitation or recommendation to any customers to enter into any investment transaction does not constitute any prediction of likely future movements in prices of any investment products. China Construction Bank (Asia) Corporation Limited is an appointed insurance agency.