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WISE BANKING takes care of your financial needs in a single consolidated banking package, bringing you a wide range of exclusive spending, investment and personal protection rewards.

New Customer Welcome Privilege
New Customer Referral Reward

Important Note:
Some mutual funds may involve derivatives. 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.

A wide range of exclusive rewards that will allow you to grasp greater financial advantages

「Fun Plus」Reward Scheme
Exclusive Birthday Rewards
We focus on every reward that will allow you to enjoy an unparalleled lifestyle whilst helping you to grow your wealth.

Remarks: WISE BANKING customers must fulfill all the designated transaction requirements in order to be entitled to the Birthday Rewards.

Exclusive Privileges
Preferential foreign currency exchange rate
Preferential time deposit rate
As low as 0.18% brokerage commission on Securities Trading via automated channels
Up to 2% discount on Mutual Fund subscription fee
Up to 20% discount on designated General Insurance products
A range of banking service fee waivers and special discounts

Note: All products and services are subject to terms and conditions, please click here to read the relevant terms and conditions or contact our staff for details.

Risk Disclosure
Investment products and insurance products are not equivalent to or alternative of normal time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment involves risks. The prices of investment products and foreign exchange rates fluctuate, sometimes dramatically. And investment products may become valueless. Before making any investment decision, customers are encouraged to consult their own independent financial 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.

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.

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.

This webpage 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. This webpage is issued by the China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.

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  1. Documents Requirement
    for Opening a
    Personal Account

  2. Deposit Rate

  3. Exchange Rate

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