Smart Kid Savings Account

Grow up and witness
the future together

Smart Kid Savings Account includes the choice of HKD/RMB. It also allows you to create a personalized Photo ATM Card that you can witness your children's growth.

Smart Kid

Personalized Photo ATM Card
The personalized Photo ATM Card can be created by you together with your child, by completing simple steps to upload your child's photo*

  • Design your Photo Card Now
  • Photo ATM Card Application Enquiry
  • Trial

Check the account balance anytime
With the UnionPay Photo Smart Kid Savings Account Card, your child can check the account balance at designated ATM machines to nourish good saving habit!

Comprehensive protection plan
We are an authorized agent to provide a comprehensive range of Life Insurance products (with saving elements) offering guaranteed cash value and non-guaranteed dividends (e.g. annual dividend or maturity dividend) to help your child accumulate wealth. Besides, Annuity insurance products with guaranteed annuity income provide flexibility to receive annuity payment regularly or leave them in the policy for interest accumulation (non-guaranteed) to suit your different insurance needs in different stages of life according to your financial circumstance.

Smart Parents

Smart Parents can also enjoy the following privileges upon successfully opening designated Packaged Banking services:

Manage your HKD and RMB banking account easily with a personalized UnionPay Photo Dual Currency Debit Card; and the Card design will be the same with your child's UnionPay Photo Smart Kid Savings Account Card, which for you to cherish the good moments at any time

  • Design your Photo Card Now
  • Photo ATM Card Application Enquiry
  • Trial
  • UnionPay Photo Dual Currency Debit Card and/ or UnionPay Photo Smart Kid Savings Account Card can be renewed once a year on the birthday month of you and/ or your child(ren) respectively for free to record the growth of your child.
  • All customers (including UnionPay Photo Smart Kid Savings Account, PREMIER SELECT, PREMIER BANKING and Wise Banking customers) will enjoy card annual fee waiver until further notice.

Please click here to read Smart Kid Savings Account Opening Terms and Conditions.

* Photo Guidelines

Please make sure the uploaded photo meets the following requirements:
  1. Photos can be in JPEG (.jpg), PNG, GIF or Bitmap (.bmp) format, dimension should not be less than 420 × 420 pixels, suggested resolution is 300 dpi.
  2. File size should be less than 10MB.
The uploaded photos must fulfill the below requirements:
  1. The photo shall be an everyday life photo which must include the cardholder in the photo
  2. The photo must not contain the following elements:
  1. Any elements, text or image of the photos or on part of the photos which may constitute to the violation of laws
  2. Any text, themes and images related to politics
  3. Any elements, text or image in relation to racial or ethnic discrimination
  4. Any elements, text or image in relation to religious beliefs, or discrimination against religious
  5. Any elements, text or image which are insulting, defamatory or discriminatory to others
  6. Any materials containing the bloody, violent, pornographic, obscene, indecent, etc., element
  7. Any contents which may cause physical or mental discomfort
  8. Any element, text or image which lead to infringement of portrait rights, brand rights, copyrights and privacy
  9. Any element, text or image which lead to any infringement of third party intellectual property rights and may harm or damage the image of a brand or the celebrities of a third party
  10. Any significant trademark or logo (such as the Olympic logo, World Cup logo, etc.), brand-name products or services, pictures, including these brand's logo, acronym, abbreviation, similar text or image
  11. Contains element for advertising and promotion
  12. Language, symbols or figures, including the phone number or service which is apt to cause misunderstanding or confusion
  13. Any element, text or image which may affect the bank's card security device and the bank's normal operation
  14. Any text, photos, figures, brands, logos which may easily cause confusion to the card processing merchants
  15. Any text or photos which the Bank believes it's not suitable
  16. Any violation of the rules and guidelines set by China UnionPay from time to time

The Bank reserves the right to determine whether the Photo Guidelines are met and reserves the right to final decision at any time.

RMB Currency Risk
RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to buy RMB denominated products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

This website does not constitute advice to buy or sell, or an offer with respect to any insurance products.
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. For life insurance products, an insurance plan may comprise a savings element. Part of the premium pays for the insurance and related costs. If a customer is not happy with the customer's policy, the customer has a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by the customer should be received by the insurer's Hong Kong Main Office within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing the customer or the customer's representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if the customer cancels the policy before the end of the term, the projected total cash value may be less than the total premium the customer has paid. Customer has to bear the credit risk of the insurer. China Construction Bank (Asia) Corporation Limited is an authorized agent of AIA International Limited ("AIA") or FWD Life Insurance Company (Bermuda) Limited ("FWD Life") to distribute their insurance products, but not an issuer of any insurance products. AIA and FWD Life will be responsible for providing insurance cover and handling claims under their respective policies. AIA and FWD Life are authorized and regulated by the Hong Kong Commissioner of Insurance to carry out life insurance business in Hong Kong.

Opening Required Documents

New customer Existing customer
Your identity proof Your identity proof
Your kids' proof of identity Your kids' proof of identity
Residential address proof within last three months

Please click here to read Smart Kid Savings Account Opening Terms and Conditions.