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

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!

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
  • 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.


Risk Disclosure
RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.

Currency switching
Currency exchange rates are affected by a wide range of factors, including, among others, national and international financial and economic conditions and 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.

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.