Outperform in work and finance!

China Construction Bank (Asia) Value Added Payroll Service offers you an array of banking privileges. Enjoy higher flexibility to achieve better financial performance.

Enjoy Interest Rates Even for Checking Account

Your salary can be credited to a HKD deposit account or a checking account. You can enjoy the same deposit interest rates as a regular HKD savings account if you select the checking account as your payroll account.

Preferential Interest Rates for Time Deposit

As a Value Added Payroll Service customer, you can enjoy preferential interest rates when you open a time deposit or renew an existing time deposit with us.

Other Banking Privileges

Product

Rewards

Preferential Interest Rates for Loans

¡PUnsecured personal overdraft

¡P  Personal installment loan

Enjoy the lowest published rate for respective loan amount tier

Auto loan

Up to 0.25% p.a. off our standard rate

Insurance Premium Discount

¡P  Travel Insurance
¡P  Domestic Helper Insurance
¡P  Home Contents Insurance
¡P  Personal Accidents Insurance
¡P  Golfer's Protection
¡P  Office Protection Package
¡P  Shop Protection Package
¡P  Fire Insurance


15% off the insurance premium

¡P  Motor Insurance
¡P  Medical Insurance
¡P  China Medical Card

10% off the insurance premium

Mutual Fund Investment Privilege

Fund Subscription Amount

HKD500,000 or above
HKD100,000 - HKD499,999
Below HKD100,000

Percentage Off the Subscription Fee
2%
1.5%
1%

Securities Trading Privilege

¡P  Safe custody fee HKD75 per account per semi-annual

¡P  Preferential brokerage rate (0.3% of transaction amount, minimum charge HKD100)

ATM Card

First year annual fee waiver

Free 24 Hours Electronic Banking Service
Dual Currency Debit Card

  • Withdraw cash at over 32,000 China Construction Bank ATMs in China and over 16,000 Bank of America ATMs in the United States with no ATM cash withdrawal handling fees.
  • Manage your Hong Kong dollar or RMB accounts with any ATMs at China Construction Bank (Asia), JETCO, China Unionpay and PLUS networks.

Online Banking
Enjoy access to your account conveniently anytime and anywhere. The free eAlert service allows you to receive ATM withdrawal alert, investment order confirmation, stock price, important dates and personal matters reminder via SMS and email in HK and even overseas.

Bank by Phone Service
Conduct account enquiries and manage your finances via convenient and flexible telephone banking service.

Apply Now
To become a Value Added Payroll Service customer, simply open a HKD savings / checking account with HKD100 or above.

  • Authorize your Human Resources Department to use China Construction Bank (Asia) as your payroll bank with monthly salary payment of HKD10,000 or above; or
  • Arrange to transfer at least 50% of your salary (minimum HKD10,000) every month from your payroll account at other bank to China Construction Bank(Asia) through a standing instruction arrangement.

For inquiries, please call our Bank By Phone at (852) 277 95533 or visit any of our Branches.

Terms and Conditions for Value Added Payroll Service