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Personal Banking Customers who have taken up Integrated Account Service and place a 3-month or 6-month 'New Fund Preferential Time Deposit' with 'Eligible New Fund Balance'* of HKD10,000 / USD1,000 / RMB10,000 or above via internet banking or mobile banking, can enjoy preferential annual interest rates as follows:

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Wealth Management customers :

BOC Singapore Information Rates: Rates: Time Deposit Board Rates (20210125) Promotion Rates: Exchange Rates: Time Deposit Board Rates (20201228). Fixed deposit tenure earning you higher interest rates than Savings account. Product Features. Flexible tenors from 1 month to 12 months. Instant access to RMB interest rates and exchange rates via our Telephone Banking services.

Currency3-month6-monthApplication Channel
HKD 0.20% 0.25%Internet Banking, Mobile Banking
USD 0.10% 0.10%
RMB 1.50% 1.55%

Enrich Banking customers :

Boc Fixed Deposit Rates
Currency3-month6-monthApplication Channel
HKD 0.15% 0.20%Internet Banking, Mobile Banking
USD 0.05% 0.05%
RMB 1.45% 1.50%

i-Free Banking customers :

Currency3-month6-monthApplication Channel
HKD0.10% 0.15%Internet Banking, Mobile Banking
USD0.05% 0.05%
RMB1.40% 1.45%

Above preferential time deposit interest rate is quoted based on the time deposit interest rates of published on 6 March 2021 and is for reference only, customer can also contact BOCHK staff for updated preferential time deposit rate.


*“Eligible New Fund Balance” refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency as of last month end, after deduction of the sum of principle amount of the same currency which has been entitled to all new fund offers of time deposit in current month. Time deposit new fund offer is applicable to sole name account only. The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of the same currency of Sole name account will be counted towards the calculation of 'Eligible New Fund Balance'. In case of any dispute on the definition of 'Eligible New Fund Balance', the decision of BOCHK shall be final.

Example:

Latest deposit balance of a currency (A)

$200,000

Deposit balance of the same currency as of last month end (B)

$50,000

Incremental balance (A-B)

$150,000

Sum of principal amount of the same currency which has been entitled to new fund offer of time deposit in current month ( C )

$30,000

Eligible new fund balance (A-B-C)

$120,000

Personal Banking Customers who have taken up Integrated Account Service and place a 1-month, 3-month, 6-month or 12-month Exisitng Fund Preferential Time Deposit of HKD10,000 / USD1,000 / RMB10,000 or above via internet banking or mobile banking, can enjoy preferential annual interest rates as follows:

Wealth Management customers :

Currency1-month3-month6-month 12-month Application Channel
HKDup to 0.05%up to 0.15%up to 0.20%up to 0.35%Internet Banking, Mobile Banking
USDup to 0.01%up to 0.05%up to 0.05%up to 0.10%
RMBup to 1.00%up to 1.40%up to 1.50%up to 1.55%
Lanka

Enrich Banking customers :

Currency1-month3-month6-month 12-month Application Channel
HKDup to 0.05%up to 0.10%up to 0.15%up to 0.30%Internet Banking, Mobile Banking
USDup to 0.01%up to 0.05%up to 0.05%up to 0.10%
RMBup to 0.95%up to 1.35%up to 1.45%up to 1.50%

i-Free Banking customers :

Currency1-month3-month6-month 12-month Application Channel
HKDup to 0.05%up to 0.05%up to 0.10%up to 0.25%Internet Banking, Mobile Banking
USDup to 0.01%up to 0.05%up to 0.05%up to 0.10%
RMBup to 0.90%up to 1.30%up to 1.40%up to 1.45%

Above preferential time deposit interest rate is quoted based on the time deposit interest rates of published on 6 March 2021 and is for reference only, customer can also contact BOCHK staff for updated preferential time deposit rate.

Boc Fixed Deposit Rates 2020

Personal Banking Customers who have taken up Integrated Account Service place a time deposit of original currency 1,000 (AUD, NZD, GBP, CAD) / original currency 10,000 (RMB) or above by conversion of funds enjoying the preferential annual interest rates as follows:

Deposit TenorPreferential Interest Rate (p.a.)Application Channel
AUDNZDGBPCADRMBUSD
7-day7.80%7.80%8.80%8.80%6.80%5.00% Internet Banking, Mobile Banking
1-month2.00%2.00%2.00%2.30%3.50%1.00%

Set up Preferential RMB & FX time deposit now via Internet Banking or Mobile Banking with just a few clicks:
Login to Internet Banking > Banking > Time Deposit > Deposit Placing > Select placement of Time Deposit (Preferential RMB and FX Time Deposit)
(Both FX exchange and deposit placement should be conducted at the same time)

Personal Banking Customers who have taken up Integrated Account Service place a time deposit of original currency $1,000 or above by conversion of funds enjoying the preferential annual interest rates as follows:

Number of actual deposit daysCorresponding deposit period Preferential Interest Rate (p.a.)Application Channel
AUDNZDCADGBP
1 day - less than 7 day1-day 0.01%0.01%0.01%0.01%Internet Banking, Mobile Banking
7 days - less than 1 month7-day 0.02%0.02%0.02%0.02%
1 month - less than 3 months 1-month 0.05%0.05%0.03%0.03%
Until the maturity 3-month 0.20%0.20%0.10%0.10%

Set up FX time deposit now via Internet Banking or Mobile Banking with just a few clicks:
Login to Internet Banking > Banking > Time Deposit > Deposit Placing > Select placement of Time Deposit (Foreign Currencies Flexi Time Deposit)

Personal Banking Customers who have taken up Integrated Account Service placing a 7-day or 1-month Preferential HKD Time Deposit Offerwith conversion of AUD, NZD, GBP or CAD funds, enjoying the preferential annual interest rates as follows:

Deposit TenorPreferential Interest Rate (p.a.)Application Channel
HKD
7-day4.00%Branch, Internet, Mobile, Manned Phone Banking Services
1-month 1.00%

Set up Preferential HKD time deposit now via Internet Banking or Mobile Banking with just a few clicks:
Login to Internet Banking > Banking > Time Deposit > Deposit Placing > Select placement of Time Deposit (Preferential HKD Time Deposit)
(Both HKD exchange and deposit placement should be conducted at the same time)

Terms of the promotion offers:

  • The above offers are only applicable to personal banking customers of Bank of China (Hong Kong) Limited ('BOCHK') who have taken up Wealth Management, Enrich Banking or i-Free Banking service (“Integrated Account Service“).
  • Time deposits should be set-up on banking business days of Hong Kong. Deposits may not be uplifted before maturity. For a call deposit, maturity refers to the expiry of your notice of the agreed period to BOCHK. BOCHK may permit an early uplift subject to payment of BOCHK losses, expenses and charges (in the amounts determined by BOCHK). No interest will be payable on the deposit if an early uplift is permitted. Interest on a deposit is only payable at maturity. A deposit, which would otherwise mature on a non-business day (like Saturday, Sunday or public holiday), matures on next business day.
  • Manned Phone Banking Services are only applicable to selected customers with designated transaction account. For details, please contact our branch staff.
  • The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
  • The preferential time deposit interest rate in this promotion material is quoted based on the interest rates of Hong Kong Dollars, RMB and Foreign Currencies time deposits published on 6 March 2021 by BOCHK and is for reference only. The preferential interest rate is a one-off privilege for each time deposit and the subsequent renewal rates of time deposits will be subject to the quotes by BOCHK from time to time.
  • BOCHK reserves the right to amend, suspend or terminate the above products, services and offers, and to amend the relevant terms at any time at its sole discretion without prior notice.
  • Offer is limited and available while quota lasts.
  • In case of any dispute, the decision of BOCHK shall be final.
  • Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
Boc Fixed Deposit Rates

Boc Interest Rates Sri Lanka


Risk Disclosure:

  • RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.
  • RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
  • Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies.