Foreign Exchange Promotion

Enjoy up to HK$4,000 Cash Reward and
Foreign Currency Time Deposit Interest Rate of up to 16.8% p.a.

Important Notes:
  • FX Linked Deposit - Principal Protected Deposit is a structured product involving derivatives and you should exercise caution in relation to this product. The investment decision is yours but you should not invest in FX Linked Deposit - Principal Protected Deposit 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.
  • FX Linked Deposit - Principal Protected Deposit is principal-protected conditionally and subject to the credit risk of the Bank. 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.
Foreign Exchange Promotion Offers
During the promotion period from now until March 31, 2024, CCB (Asia) eligible customers can enjoy the following FX offers!

Up to HK$4,000 Cash Reward for Online Foreign Exchange

Eligible customers1 who conduct FX transactions2 via the Bank’s Mobile Banking or Online Banking and fulfill designated cumulative amounts, can enjoy up to HK$4,000 cash reward !

Offer Details
Cumulative Eligible FX Transaction Amount
(HKD or equivalent)
Cash Reward
HK$5,000,000 HK$4,000
HK$3,000,000 HK$1,800
HK$1,000,000 HK$600
HK$500,000 HK$300
HK$300,000 HK$180

Time Deposit Interest Rate of up to 16.8% p.a.*

Selected Customers3 who exchange Designated Currency (refer to the table below) in the amount ranging from HKD100,000 to HKD10,000,000 (or equivalent) to Time Deposit Currency (refer to the table below) through our branch staff or Relationship Managers via phone call or by visiting our branches , and consecutively place a 1-week Time Deposit with the exchanged currency in its entire amount traded, can enjoy  interest rates of up to 16.8%* p.a. !

Offer Details
Designated Currency Time Deposit Currency 1-week Time Deposit Interest Rate (p.a.) Offer*
Selected Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria4 Other Selected Customers
RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD USD 10.8% 8.8%
RMB
AUD 16.8% 13.8%
NZD
CAD
GBP

* The above Time Deposit Interest Rates (p.a.) are for reference only and are not guaranteed. The above Time Deposit Interest Rate (p.a.) will be subject to changes in rates quoted by the Bank from time to time. Before making the relevant transaction, please check with our Bank’s staff for the effective Time Deposit Interest Rate (p.a.) applicable to the transaction.

FX Investment Products and Services
CCB (Asia) provides you with various FX investment products and services which help you grasp FX investment opportunity!
1

FX Linked Deposit – Principal Protected Deposit

Seeking higher potential return with 100% capital protection? FX Linked Deposit – Principal Protected Deposit is a flexible investment tool that balances your risk and return while ensuring your principal is 100% protected regardless of how the exchange rate performs.

Higher Potential Interest Return with 100% Principal Protection at Maturity
Promised Return
A Wide Variety of Currencies and Tenors for Selection
No Currency Conversion
No Fees or Charges
Learn More
2

Treasury Specialist

Our Treasury Specialists provide FX market updates and professional analysis to keep you informed on the latest trends, enabling you to seize investment opportunities amidst the fast-changing FX market.

2

FX Limit Order – Make Online FX Trading Hassle-free

You can set up the FX Limit Order through our Online/ Mobile Banking by presetting a target exchange rate and trading amount. The currencies will be automatically converted once the target exchange rate is reached which enable you to grasp every opportunity in the FX market easily!

Learn More

Existing Customers

Login Online Banking and exchange now

New Customers

Apply for e-Account Service

Just a few steps to open account anytime, anywhere at your fingertips. No branch visit is needed.

Remarks:
  1. Only applicable to personal customers of Personal Banking, Private Wealth and Private Banking who have not conducted any FX transactions via any channels of the Bank in sole name or joint name account from January 1, 2023 to December 31, 2023.
  2. Exclude FX transactions between HKD and USD, and FX transactions made via remittance, mutual fund subscription, bill payment service and transfers via Cross Border Long Card.
  3. Selected Customers include personal customers of Wise Banking, Premier Banking, Private Wealth and Private Banking.
  4. Selected Customers who set up 1-week time deposit and fall into any one of the criteria below can enjoy “Preferential Time Deposit Interest Rate”:
    1. Enroll the Value Added Payroll Service during the Promotion Period; or
    2. Maintain Step Up Savings Account during the Promotion Period; or
    3. Set or maintain the Bank as the Default Recipient Bank for FPS during the Promotion Period.
The above offers and services are bound by related terms and conditions, please refer to the following terms and conditions or promotion pages for respective products and services.
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Enquiry Hotline: 2903 8303

Terms &Conditions
Terms and Conditions for Foreign Exchange (“FX”) Promotion (the “Promotion”):
A. General Terms and Conditions
  1. The promotion period of this Promotion is from January 1, 2024 to March 31, 2024 (both dates inclusive) (the “Promotion Period ”).
  2. China Construction Bank (Asia) Corporation Limited (the “Bank ”) reserves the right to vary, suspend and terminate the Promotion and to vary or modify any of these Terms and Conditions from time to time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
  3. If there is any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
B. Terms and Conditions for Online FX Cash Reward (“Cash Reward”)
  1. Cash Reward is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking of the Bank (“Designated Customer(s) ”), but  not applicable to staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank.
  2. For accounts in joint names, only the primary account holders will be eligible for the Cash Reward.
  3. The Cash Reward is only applicable to the Designated Customers who have not conducted any FX transactions via any channels of the Bank in sole name or joint name accounts from January 1, 2023 to December 31, 2023 (“Eligible Customer(s) ”).
  4. During the Promotion Period, Eligible Customers who have successfully conducted FX transactions (including HKD, USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD, SGD and RMB; but excluding FX transactions between HKD and USD, and FX transactions conducted via remittance, mutual fund subscription, bill payment service and transfer via Cross Border Long Card) via the Bank’s Mobile Banking or Online Banking (“Eligible FX Transaction(s) ”) and have fulfilled the designated cumulative Eligible FX Transaction amounts as set out below can enjoy the following Cash Reward:
    Cumulative Eligible FX Transaction Amount
    (in HKD or equivalent)
    Cash Reward
    HK$5,000,000 HK$4,000
    HK$3,000,000 HK$1,800
    HK$1,000,000 HK$600
    HK$500,000 HK$300
    HK$300,000 HK$180
  5. If the Eligible FX Transaction does not involve HKD, the HKD equivalent cumulative transaction amount will be calculated based on the exchange rate (of the currency bought by the customer) determined by the Bank on the date of transaction. In case of any disputes, the decision of the Bank on calculation of the transaction amount shall be final.
  6. Each Eligible Customer can only enjoy the Cash Reward once during the Promotion Period.
  7. The Bank will credit the Cash Reward to the Eligible Customer’s Packaged Banking Settlement Account or the HKD Savings / Checking account (excluding “Step Up Savings Account”) with the latest account opening date maintained with the Bank on or before June 30, 2024. Such account must be valid at the time of crediting the Cash Reward, otherwise, the Cash Reward will be forfeited.
C. Terms and Conditions for Foreign Currency Exchange &Time Deposit Promotion (the “FX TD Promotion”)
  1. FX TD Promotion is only applicable to personal customers of Wise Banking, Premier Banking, Private Wealth and Private Banking of the Bank (“Selected Customer(s) ”), but  not applicable to staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank.
  2. During the Promotion Period, Selected Customers who exchange Designated Currency (as defined in table below) in the amount of HKD100,000 to HKD10,000,000 (or equivalent) to Time Deposit Currency (as defined in table below) through the Bank’s branch staff or Relationship Managers via phone call or at our branches (“Designated Channels ”) and consecutively place a 1-week Time Deposit with the exchanged currency in its entire amount traded (“Eligible Time Deposit ”), can enjoy the below time deposit interest rate (p.a.)* offer. Selected Customers who fall into any of one the clause of 2.1 mentioned below can enjoy bonus interest rate (p.a.) (the “Preferential Time Deposit Interest Rate ”)* (“Time Deposit Interest Rate Offer ”) :
    2.1 Criteria to enjoy the “Preferential Time Deposit Interest Rate” include,
    1. Set up Value Added Payroll Service during the Promotion Period; or
    2. Maintain Step Up Savings Account during the Promotion Period; or
    3. Set or maintain the Bank as Default Recipient Bank for FPS during the Promotion Period.
    Designated Currency Time Deposit Currency 1-week Time Deposit Interest Rate (p.a.)* Offer
    Selected Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria Other Selected Customers
    RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD USD 10.8% 8.8%
    RMB
    AUD 16.8% 13.8%
    NZD
    CAD
    GBP

    * The above Time Deposit Interest Rates (p.a.) are for reference only and are not guaranteed. The above Time Deposit Interest Rate (p.a.) will be subject to changes in rates quoted by the Bank from time to time. Before making the relevant transaction, please check with our Bank’s staff for the effective Time Deposit Interest Rate (p.a.) applicable to the transaction.

  3. The Time Deposit Interest Rate Offer is only applicable to Selected Customers who conduct the exchange transaction and  consecutively place the Eligible Time Deposit through the Bank’s Designated Channels, and is not applicable for time deposits and exchange transactions conducted through the other channels of the Bank, e.g. mobile banking, online banking, phone banking and/or Smart Teller Machine etc.
  4. The exchange rate will be the daily exchange rate as provided by the Bank’s branches from time to time, once the customer and the Bank agreed and confirmed the exchange rate, it will be binding and irrevocable, notwithstanding that the Bank may quote a different exchange rate through other channels.
  5. The Time Deposit Interest Rate Offer is calculated based on the transaction amount per deposit transaction. The transaction amount cannot be aggregated.
  6. Any withdrawal or partial withdrawal of a time deposit prior to maturity of the time deposit without sufficient prior notice shall only be permitted at the discretion of the Bank. The Bank may levy a charge and/or forfeit the interest accrued on the deposit in whole or in part in such instances.
  7. If the maturity date of the time deposit period falls on a day which is not a Business Day (as defined below), the maturity date of the time deposit and / or the automatic roll-over instruction of the time deposit will be deferred to the following Business Day without prior notice. The Bank will not be responsible to any person for the deferral of the time deposit maturity date and/or the automatic roll-over instruction. “Business Day" means a day on which the Bank is open for business in Hong Kong, but excluding Saturdays, Sundays, public holidays and the day which the Bank is unable to open for business due to extreme weather or sudden event.
  8. The Time Deposit Interest Rate Offer cannot be used in conjunction with any other promotions.
Risk Disclosure

FX Linked Deposit - Principal Protected Deposit
FX Linked Deposit - Principal Protected Deposit is different from an ordinary time deposit and is not the same as directly buying the relevant currencies. It also involves derivatives risk. Although it is principal protected, it is subject to the credit risk of the Bank and is not collateralized. There is no secondary market for FX Linked Deposit - Principal Protected Deposit, and early withdrawal is not allowed. You should also pay attention to the relevant market risk and the risk of early termination by the Bank upon occurrence of certain events. Besides, whether or not you will receive the high interest, if the Deposit Currency is not in your home currency, you may suffer a loss due to the currency risk originated by the Deposit Currency’s exchange rate fluctuations, which may offset or even exceed any potential gain. FX Linked Deposit - Principal Protected Deposit is not covered by the Investor Compensation Fund. The potential return is limited, and the principal amount and the interest will be paid in the Deposit Currency.

Before making any investment decision, please carefully read all the related offering documents or product terms and seek for independent and professional/financial/tax advice if needed.

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.

Disclaimer
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment products. The promotion materials 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.