You Deserve More for Your Years of Contribution

Golden Years Banking of China Construction Bank (Macau), is the first comprehensive banking service dedicated to citizens aged 60 years or above in Macau. In line with our beliefs in professionalism and commitment to serve the community, Golden Years Banking is tailored to provide customers with attentive banking convenience so as to enjoy retirement living to the fullest.

Super High Interest Rate For Time Deposits
Golden Years Banking customers can enjoy preferential interest rate when place time deposit with new fund or upon deposit renewals.

Annual Complimentary Offer
Golden Years Banking customers whose daily average combined balance of deposit and investment with the bank reached specified amount in every 12 months after enrollment are eligible for a free annual Basic Health Screening Test. You can now enjoy health protection and financial management at the same time.

Banking Privileges Designed Just for You
Product Rewards
Investment Privileges
Securities Trading
  • Brokerage rate of 0.2%
  • Safe custody fee HKD75 per semi-annual*
Mutual fund subscription 1.5% off the subscription fee
Insurance Discount
  • Travel Insurance
  • Home Contents Insurance
15% discount on premium
  • Personal Accident
10% discount on premium
Banking Service Fee Privileges
  • Cashier's order
  • Gift check
  • Inward remittance credit to account with our Bank
  • Setting up or amendment of standing instruction
  • ATM annual fee
Fee waiver
Demand Draft 20% discount on the issuance commission
Foreign exchange Preferential exchange rate for buy / sell of designated foreign currencies

* Effective November 2, 2009.

Free 24 hours Electronic Banking Service
ATM Cards
  • Withdraw cash at over 23,000 China Construction Bank ATMs in China and over 16,000 Bank of America ATMs in the United States with no handling fees.
  • Manage your Hong Kong dollar or RMB accounts with any ATMs at China Construction Bank (Macau), JETCO, China Unionpay and PLUS networks.
Bank by Phone Service
Conduct account enquiries and manage your finances via convenient and flexible telephone banking service.

Online Banking
Free eAlert service allows you to receive ATM withdrawal alert, investment order confirmation, stock price, important date and personal matter reminder via SMS and email in HK and even overseas.

Apply Now
With only HKD/MOP10,000 or above to be a Golden Years Banking customer, you can enjoy a host of unique banking privileges and financial conveniences. Call our Bank by Phone hotline at 0800 555 or visit any of our branches.

Terms and Conditions for Golden Years Banking


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