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
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
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
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.
The rewards are bound by the "Terms and Conditions for
Premier Banking/Wise Banking Bonus Point Scheme".
Applicable only to mutual fund with initial charge of 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.
Subject to a minimum charge of HKD100 per transaction.
Applicable only to mutual fund with initial charge of 5%
or above and excluding subscription through Regular Investment Plan.
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.
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
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.