Wise Banking

A new banking experience with a wealth of wisdom

One Banking Package to Serve All Your Financial Needs
Managing your finances has never been easier! China Construction Bank (Macau) Wise Banking offers you all-round banking services incorporating deposits, investment, 24-hour electronic banking, no-bounce check protection, consolidated statement and more.

Wise Banking cares of your banking and personal needs with a range of extra benefits such as preferential rates for deposits, discounts on investment and insurance services plus exclusive Bonus Point Scheme.

Exclusive Rewards and Benefits

Bonus Point Scheme
You can earn bonus points1 when choosing our selected investment services including Securities Trading, Mutual Fund subscription2,
Structured Notes, FX Linked Deposit as well as FX Margin Trading. The bonus points can be used either to pay for the Securities Trading brokerage fee/Mutual Fund subscription fee or to redeem cash coupons of designated merchants.

Extra Rewards in Birthday Month
Customers who have joined the service for over one year will receive double bonus point from the designated investment transactions in the birthday month.

No-bounce Check Protection
Enjoy a protection3 of up to MOP5,000 that gives you extra peace of mind when writing checks.

Exclusive Savings on Banking Services

High Interest Rate for Time Deposit
Place a time deposit with us and enjoy preferential interest rates.

Privileges for Investment Services
Enjoy securities safe custody semi-annual fee at HKD75 and preferential brokerage rates of as low as 0.2%4 for each Securities Trading transaction you make. For Mutual Fund investment, reduction of up to 2% of subscription fee5 will be offered.

Receive our bi-monthly "Global Investment Update" for free. It provides you the latest market updates, financial news and investment offer to help you keep abreast of the investment opportunities and achieve your investment goals.

Offers on Insurance Plans
Enjoy special discounts of up to 15% on premiums for selected insurance plans.

Savings on Banking Service Fees
Save on handling fees for gift check, cashier's order, telegraphic transfer and demand draft.

Enjoy annual fee waiver when applying ATM Card
as well as set-up fee and annual fee waiver when choosing ATM Remittance service.

Monthly Portfolio Statement
A clear and concise portfolio statement consolidating your accounts will be sent to you every month. It provides you with a complete picture of your financial position at a glance and includes details of your transactions.

What's more, the balance of foreign currency accounts is also shown with its Macau Pataca equivalent for your easy reference.

Free 24-hour Electronic Banking Service

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 Macau and even overseas for added peace of mind.

ATM Card
Manage your account at any ATMs of China Construction Bank (Macau), JETCO and Plus. In addition, you can enjoy cash withdrawal with no ATM handling fee at over 32,000 China Construction Bank ATMs in Mainland China and over 16,000 Bank of America ATMs in United States.

Bank By Phone
One dedicated number to check your account and manage your finances with great flexibility.

Join Wise Banking Today
You would need only MOP100,000 or above with us to be a Wise Banking customer. There is no monthly service fee6 for the service. To enjoy the many fabulous offers and banking convenience of Wise Banking, please call Bank By Phone 0800 555 or visit any of our branches.

  1. The rewards are bound by the "Terms and Conditions for Premier Banking/Wise Banking Bonus Point Scheme".
  2. Applicable only to mutual fund with initial charge of 3% or above.
  3. This protection is applicable to customers who maintain a daily average combined balance of deposit and investment of MOP100,000 equivalent or above in the previous month.
  4. Subject to a minimum charge of HKD100 per transaction.
  5. Applicable only to mutual fund with initial charge of 5% or above and excluding subscription through Regular Investment Plan.
  6. If the daily average combined balance of deposit and investment is MOP100,000 equivalent or above, the monthly service fee of MOP75 will be waived.
Important Notes
  • Customers who terminate their Wise Banking service within 3 months of commencement will be charged a handling fee of MOP150 and the fee for the welcome gift (if applicable).
  • The detailed terms are contained in the "Terms & Conditions For Accounts and Related Services (For Individual)" which is available upon application for Wise Banking.
  • The Bank reserves the right to change or cancel any or all of the privileges, services and terms and conditions without prior notice.

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