Join CCB (Asia) Private Wealth

To Enjoy Fabulous Rewards of up to HK$52,888 and up to 5.58% p.a. Preferential Time Deposit Interest Rate

Seize opportunities to connect to a world of unlimited advantages
with CCB (Asia) Private Wealth
From April 1, 2025 to June 30, 2025 (“Promotion Period”), enjoy fabulous rewards of up to HK$52,888 and up to 5.58% p.a. Preferential Time Deposit Interest Rate by joining as a new Private Wealth customer!
Up to HK$52,888 Private Wealth Rewards
1
Welcome Reward of up to HK$12,000
New customers1 who sign up to become CCB (Asia) Private Wealth customers and fulfill the designated requirements as below, can enjoy a welcome reward of up to HK$12,000!
  • Hold Assets Under Management in the amount of HK$8,000,000 or above (HKD or Equivalent) and
  • Successfully register to be a Professional Investor2 and
  • Maintain a valid “Investment Profile Questionnaire” and “W-8BEN Form” record3 and
  • Register for Mobile Banking/ Online Banking
2
An array of Fabulous Wealth Management Rewards of up to HK$40,888
Enjoy up to HK$20,000 Wealth Products Transaction Rewards4
Click here to learn more
Enjoy up to HK$10,000 Mutual Fund Transfer-in Rewards5
Click here to learn more
Enjoy up to HK$5,888 Cash Reward for New Securities Customer on Buy/ Sell Trades of HK Stocks6
Click here to learn more
New US Securities Trading Service
$0 Unlimited Brokerage Fee Wavier on Buy/ Sell Trades of US Stocks7
Click here to learn more
An Extra 1-month Cash Bonus of up to 7.2% p.a. for Structured Equity-Linked Products Subscription6
Click here to learn more
Enjoy up to HK$5,000 Cash Reward for Online Foreign Exchange8
Click here to learn more
Up to 5.58% p.a. Preferential Time Deposit Interest Rate
New Private Wealth customers can enjoy up to 5.58% p.a. Preferential Time Deposit Interest Rate^ when placing a 3-month HKD or USD time deposit with new funds through the Private Wealth’s Relationship Managers over the phone or at our Private Wealth Center! Click here to learn more.
^Eligible customers are required to place a 3-month HKD or USD time deposit within 2 months from the day of account opening with a new fund amount ranging from HK$5,000,000 (or its equivalent). The first 10% of the new fund amount will be granted with 5.58% p.a. preferential time deposit interest rate, while the remaining 90% of the new fund amount will be granted with another time deposit interest rate (details please refer to the relevant terms and conditions).
Private Wealth Customer
Referral Promotion
From now until September 30, 2025, existing CCB (Asia) Private Banking customers/ Personal Banking customers/ Credit Card customers who successfully refer eligible customers to join as new Private Wealth customers can enjoy a reward of HK$3,888 for each referral9! Click here to learn more.
Become a Private Wealth customer now to enjoy fabulous rewards!
Remarks:
  1. New customers must not maintain any accounts or any banking products or services in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Wealth of the Bank.
  2. As defined in section 1 of Part 1 of Schedule 1 to the Securities and Futures Ordinance and Futures (Professional Investor) Rules. To be eligible as Professional Investor, an individual should have HK$8 million or equivalent in assets, including cash or cash equivalent deposits, stocks, bonds, unit trusts, equity linked investment and other investment products, etc.
  3. Customers must maintain a valid “Investment Profile Questionnaire” and “W-8BEN Form” record at the Bank during the promotion period to receive the cash reward. If customers would like to complete the related questionnaire and form, please visit the Private Wealth Center of the Bank or complete them through Mobile Banking/ Online Banking.
  4. Wealth Products Transaction Rewards Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/wmrewards/en.
  5. Mutual Fund Transfer-in Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/mfpromo/en.
  6. Securities and Structured Equity-Linked Products Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/secpromo/en.
  7. US Securities Trading Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/usstock/en.
  8. Online Foreign Exchange Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/fxpromo/en.
  9. Private Wealth Customer Referral Promotion
    The promotion period is from April 1, 2025 to September 30, 2025. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/pw/mgm/en.


The above offers and services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
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Private Wealth Hotline: (852) 3918 6883


Terms & Conditions
Terms and Conditions for CCB (Asia) Private Wealth New Customer Promotion (the “Promotion”)

A. General Terms and Conditions
  1. 1.
    The promotion period is from April 1, 2025 to June 30, 2025 (both dates inclusive) (“Promotion Period”).
  2. 2.
    The Promotion is not applicable to staff of China Construction Bank (Asia) Corporation Limited (the “Bank”) and the Bank's affiliates, and Capital Investment Entrant Scheme customers.
  3. 3.
    Under this Promotion,
    1. Definition of New Customer: refers to a new customer who did not maintain any account or use any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Wealth of the Bank;
    2. Definition of Eligible Customer: refers to a New Customer who has become a Private Wealth customer of the Bank and opens a savings/ checking account within the Promotion Period.
  5. 4.
    The Welcome Offer listed in Section B below are limited and granted on a first-come-first-served basis.
  6. 5.
    Customer will be entitled to the offers as specified under Section B only once during the Promotion Period. In case of a joint account, only the primary account holder will be eligible for the offers. The Bank reserves the right to determine the eligibility of a customer for this Promotion.
  7. 6.
    If a customer is also entitled to other promotional offers of the Bank, the Bank reserves the right of final decision for providing the related offers to the customer.
  8. 7.
    If a customer terminates or cancels any of the relevant services in respect of which offers would be awarded, or no longer holds any valid Private Wealth account with the Bank before or at the time of receiving the relevant offers, he/she will be disqualified from entitlement for the offers.
  9. 8.
    If an Eligible Customer terminates his/her Private Wealth account within 12 months of joining, the customer shall pay the Bank a handling charge of HK$2,500 and such other charges as the Bank may determine from time to time. Please contact our staff for details.
  10. 9.
    The Bank reserves the rights to suspend, modify or terminate the Promotion and change these Terms and Conditions at any time without prior notice.
  11. 10.
    Customers are also bound by the Terms and Conditions for the relevant banking products and services. Please refer to the relevant promotional materials, visit the official website of the Bank or contact our staff for details.
  12. 11.
    The Bank has the final discretion on account opening.
  13. 12.
    In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.

B. Offer Details
  1. 13.
    Welcome Reward (“Welcome Offer”)
    1. 13.1
      An Eligible Customer must open a Savings or Checking account with the Bank and become a new Private Wealth customer of the Bank within the Promotion Period (“Account Opening Month”), and fulfill the following requirements within the Account Opening Month in order to entitled to the HK$12,000 cash reward:
      1. Maintain the designated Assets Under Management of HK$8,000,000 (HKD or equivalent) during the Private Wealth Account Opening Month and at the time of receiving the cash reward; and
      2. Successfully register to be a Professional Investor; and
      3. Maintain a valid “Investment Profile Questionnaire” and “W-8BEN Form” record at the Bank during the Promotion Period (if customers would like to complete the related questionnaire and form, please visit the Private Wealth Center of the Bank or complete them through Mobile Banking/ Online Banking); and
      4. Successfully register for Mobile Banking/ Online Banking.
    2. 13.2
      Under this Promotion, Assets Under Management is defined as follows:
      1. A customer's Assets Under Management shall be calculated by the Bank in accordance with:
        1. the customer's deposit balances in all deposit accounts at the Bank held in the Customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s) (excluding the balance of a dedicated investment account for Wealth Management Connect Northbound Scheme maintained with CCB in Mainland); and
        2. the customer's investment balance which shall be calculated with reference to the balance in any investment account at the Bank in the customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s); and
        3. the value of total premium paid or cash value/ policy value as provided by CCB (Asia) Insurance Broker Limited on a regular basis, whichever is higher, of the insurance plan(s) purchased through CCB (Asia) Insurance Broker Limited (“Insurance Balance”), and regarding the Insurance Balance, CCB (Asia) Insurance Broker Limited’ s record shall prevail, the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such Insurance Balance; less
        4. any of the Customer's temporary overdrafts that remain unpaid.
      2. For the purpose of assessing the value of total premium paid or cash value/policy value of the Customer's insurance plan as referred to in Clause 13.2 (a)(iii) above, the Customer hereby consents to and authorizes the Bank to obtain information/ documents in relation thereto from CCB (Asia) Insurance Broker Limited (if the Bank determines it as necessary) without prior notice to the Customer.
      3. There may be time lag before the balance of certain investment transactions and the Insurance Balance will be included in the Assets Under Management due to the processing time required and therefore may affect the Assets Under Management. In such circumstances, the Bank has the absolute sole discretion to determine the investment balance and the Insurance Balance.
    3. 13.3
      The Bank will credit the Welcome Offer to the customer's valid HKD Savings/ Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule below. Eligible Customers must still be a valid Private Wealth customer of the Bank (the required minimum amount of the Assets Under Management for the Private Wealth customer must be HK$8,000,000 or equivalent) and maintain a valid Mobile Banking or Online Banking at the time of receipt of the cash rewards. Otherwise, the cash rewards will be forfeited absolutely and will not be provided to the Eligible Customers through any other means.
      Private Wealth Account Opening Date Date of Crediting the Welcome Offer
      April 1, 2025 to June 30, 2025 August 31, 2025
  2. 14.
    Wealth Products Transaction Rewards Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to “Wealth Products Transaction Rewards Promotion” website at www.asia.ccb.com/hk/wmrewards/en.
  3. 15.
    Mutual Fund Transfer-in Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to “Mutual Fund Transfer-in Promotion” website at www.asia.ccb.com/hk/mfpromo/en.
  4. 16.
    Securities and Structured Equity-Linked Products Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to “Securities and Structured Equity-Linked Products Promotion” website at www.asia.ccb.com/hk/secpromo/en.
  5. 17.
    US Securities Trading Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to “US Securities Trading Promotion” website at www.asia.ccb.com/hk/usstock/en.
  6. 18.
    Online Foreign Exchange Promotion
    The promotion period is from April 1, 2025 to June 30, 2025. For more details and terms and conditions, please refer to “Online Foreign Exchange Promotion” website at www.asia.ccb.com/hk/fxpromo/en.
  7. 19.
    Private Wealth Customer Referral Promotion
    The promotion period is from April 1, 2025 to September 30, 2025. For more details and terms and conditions, please refer to “Private Wealth Customer Referral Promotion” website at www.asia.ccb.com/hk/pw/mgm/en.

Important Notes:
  • Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  • Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX Linked Deposits are structured products involving derivatives. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • Insurance products and Investment products including FX Linked Deposits and Structured Equity-linked Products are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Some FX Linked Deposits and Structured Equity-linked Products are not principal-protected while some FX Linked Deposits and Structured Equity-linked Products are principal-protected conditionally.
  • You should obtain independent professional financial, tax or legal advice before making any investment decision.
Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.

Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.

Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.

Mutual Fund Investment
The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.

Bond Trading
Trading of bond involves liquidity risk and interest rate risk and there is no 100% guarantee of positive return but loss may be incurred. There are risks that the bond issuer will be unable to promptly pay the client the interest or principal if a credit event or default occurs on the bond issuer. Investing in emerging markets bonds involves special consideration and higher risks, such as greater price volatility, less developed regulatory and legal framework, economic, social and political instability, etc.

Structured Equity-linked Products
Structured Equity-linked Product are structured products involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. Investment in structured equity-linked products involves substantial risks including, among others, market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying stock price moves substantially against the investor's view.

FX Linked Deposit
FX Linked Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. FX linked deposit is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Exchange rates are affected by a wide range of factors, including, among others, international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected, when the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX linked deposit and it is not collateralized. The Bank can early terminate the FX linked deposit.

Currency Exchange
Currency exchange involves bid-ask spread.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.

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.

Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.

Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.

Disclaimer of Online Investment Trading Services

Insurance
Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.

For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company's Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer’s nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.

Disclaimer
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment and insurance products. This promotion material and the FX linked deposits abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Ordinance (Chapter 41, Laws of Hong Kong) and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This promotion material has not been reviewed by any regulatory authorities in Hong Kong.