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Currency Switching

Fixed time deposits
with unbounded flexibility
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Switch your time deposit between different currencies for an unlimited time before maturity with a China Construction Bank (Asia) Currency Switching account. The incredible flexibility of our Currency Switching accounts gives you all the benefits of a favorable FX market to enhance your earnings.

Investment Horizons - Up-to-date FX Market Information

Smart switching brings potential wealth growth


Seize favorable FX buying and selling opportunities during the deposit period without losing the interest income from time deposits
Hedge against the depreciation of time deposits as a result of currency fluctuation
Lock in the currency positions before your time deposit matures

Multiple options and benefits


9 currencies available (USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD and HKD)
Minimum transaction amount at USD30,000 or equivalent
Unlimited FX forward transactions within the deposit period (12 months or below)
No commission or handling charges
The deposit will be converted into a final switched currency upon maturity at the pre-agreed exchange rate

 

Learn more about Importat Facts of Currency Switching


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NOW
Apply Online Hotline 2903 8343 Visit Our Branches
Apply Online Hotline 2903 8343 Visit Our Branches

 

Health Warning: Currency Switching Services is an investment product. The investment decision is yours but you should not invest in the Currency Switching Services 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.

 

Notes:

  • The above examples are for illustrations only and should not be used as an indication of historical trends or further performance.
  • The HKD interest amount is calculated at the relevant interest rate on the basis of the actual number of days elapsed in an interest period and a 365-day year.
  • The AUD interest amount is calculated at the relevant interest rate on the basis of the actual number of days elapsed in an interest period and a 360-day year.

 

Risk Disclosure:

  • Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions, political and natural events. The effect of normal market forces may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall rapidly. If you have any concerns about this product, you should consult your professional financial advisers.
  • Exchange controls or other monetary measures may be imposed by a government, sometimes with little or no warning. Such measures may have a significant effect on the convertibility or transferability of a currency and may have unexpected consequences for a FX Forward Transaction that the Customer is holding.
  • Currency Switching Service is an investment product. The investment decision is yours but you should not invest in Currency Switching Service 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.
  • Currency Switching Service is NOT equivalent to a time deposit. It is NOT protected under the Hong Kong Deposit Protection Scheme and the repayment of Currency Switching Service is not guaranteed by the Hong Kong SAR Government's Exchange Fund.

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