Foreign Exchange Promotion

Enjoy up to HK$4,500 Cash Rewards and
Foreign Currency Time Deposit Interest Rate of up to 14.8% p.a.

Foreign Exchange Promotion

During the promotion period from now until June 30, 2024, CCB (Asia) eligible customers can enjoy the following FX offers!

Up to HK$4,500 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$4,500 cash rewards!
Cumulative Eligible FX Transaction Amount
(HKD or equivalent)		 Cash Reward
New Customers3 Other Eligible Customers
HK$5,000,000 HK$4,500 HK$4,000
HK$3,000,000 HK$1,800 HK$1,800
HK$1,000,000 HK$600 HK$600
HK$500,000 HK$300 HK$300
HK$300,000 HK$180 HK$180
HK$60,000 HK$100 -
Up to 14.8% p.a.* Time Deposit Interest Rate for Exchanging Currency and Placing a Time Deposit Simultaneously
Customers who exchange a designated currency (refer to the table below) in the amount ranging from HKD100,000 to HKD 50,000,000 (or equivalent) to any time deposit currency (refer to the table below) through our branch staff or Relationship Managers via phone call or by visiting our branches, and simultaneously place a 1-week Time Deposit with the exchanged currency in its entire amount traded, can enjoy interest rates of up to 14.8%* p.a.!
Designated Currency Time Deposit Currency 1-week Time Deposit Interest Rate (p.a.) Offer*
Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria4 Other Customers
RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD AUD 14.8% 11.8%
NZD
CAD
GBP
USD 10.8% 8.8%
RMB
*The above Time Deposit Interest Rates (p.a.) are for reference only but not guaranteed and it 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.
0.1% p.a. Bonus Interest Rate for e-Channel Foreign Currency Time Deposit
Customers who successfully set up a 3-month Foreign Currency Time Deposit for a designated currency and deposit amount (refer to the table below) via the Bank's e-Channels (including Mobile Banking, Online Banking or Smart Teller Machines at designated branches)5, can enjoy an e-Channel Foreign Currency Time Deposit Bonus Interest Rate of 0.1% p.a.!
Time Deposit Currency
(Amount of 10,000 or above in original currency)		 e-Channel 3-month Foreign Currency Time Deposit Bonus Interest Rate (p.a.)6
AUD + 0.1%
NZD
CAD
GBP
Comprehensive Range of FX Products and Services

CCB (Asia) provides you with diversified FX products and services to support your different needs!

Foreign Exchange Service
FX Limit Order
Online Foreign Currency Banknotes Reservation
FX Linked Deposit – Principal Protected Deposit
FX Linked Deposit – High Yield Deposit
Treasury Specialist
Foreign Exchange Service:

We offer a wide selection of major currency choices for foreign exchange made via Online Banking, Mobile Banking, Phone Banking or by visiting our branches.

Learn More

FX Limit Order:

You can set up FX Limit Order through our Online Banking or 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 FX trading opportunity easily.

Learn More

Online Foreign Currency Banknotes Reservation:

You can conduct a foreign exchange in advance via Online Banking or Mobile Banking first and then reserve banknotes online for collection at designated branches. It’s fast and easy.

Learn More

FX Linked Deposit – Principal Protected Deposit:

You can enjoy higher potential return with 100% principal protection and no currency conversion involved. This will help you balance risk and return.

Learn More

FX Linked Deposit – High Yield Deposit:

Depending on your expected and the actual exchange rate performance, you may have the opportunity to enjoy higher potential return upon maturity, or buy the linked currency at the “Initial Exchange Rate” to meet your foreign currency needs.

Learn More

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.

New Customers
Existing Customers

Apply for e-Account Service

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

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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 April 1, 2023 to March 31, 2024.
  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. New customers are defined as customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name nor used any of the Bank’s banking products or services (excluding credit card accounts) in the past 12 months before account opening.
  4. “Preferential Time Deposit Interest Rate” is only applicable to the Bank’s Private Wealth and Private Banking customers. Personal Banking customers who fulfill either one of the following criteria can also enjoy the “Preferential Time Deposit Interest Rate”:
    • Enroll the Value-Added Payroll Service during the Promotion Period; or
    • Maintain Step Up Savings Account during the Promotion Period; or
    • Set or maintain the Bank as the Default Recipient Bank for FPS during the Promotion Period.
  5. “Bonus Interest Rate of 0.1% p.a.” is only applicable to Personal Banking customers. Customers must hold a Time Deposit Account with the Bank in order to set up time deposit via the e-Channels (including Mobile Banking, Online Banking or Smart Teller Machines at designated branches). For customers who do not hold the Time Deposit Account, please contact a Relationship Manager or visit the Bank’s branches for account opening. Offer is not eligible to Foreign Currency Time Deposit renewals, including Renewal (Principal and Interest), Renewal (Renew Principal Only), Renewal (Change Principal Amount) and Renewal (Change Tenor).
  6. The e-Channel Foreign Currency Time Deposit Bonus Interest Rate is included in the foreign currency time deposit interest rate shown in the e-Channels (“e-Channel Foreign Currency Time Deposit Preferential Interest Rate”). The above time deposit bonus interest rates are quoted as of March 28, 2024 which are for reference only and subject to change. The relevant interest rates will be subject to the rates quoted by the Bank in e-Channels from time to time.
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 8343

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 April 1, 2024 to June 30, 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 (“Offer 1”):

  1. Offer 1 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking of the Bank, 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 Offer 1.
  3. Offer 1 is only applicable to the personal customers who have not conducted any FX transactions via any channels of the Bank in sole name or joint name accounts from April 1, 2023 to March 31, 2024 (“Offer 1 Eligible Customer(s)”).
  4. During the Promotion Period, Offer 1 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
    New Customers ^ Other Eligible Customers
    HK$5,000,000 HK$4,500 HK$4,000
    HK$3,000,000 HK$1,800 HK$1,800
    HK$1,000,000 HK$600 HK$600
    HK$500,000 HK$300 HK$300
    HK$300,000 HK$180 HK$180
    HK$60,000 HK$100 -

    ^New customers are defined as customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name nor used any of the Bank’s banking products or services (excluding credit card accounts) in the past 12 months before account opening.

  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 Offer 1 Eligible Customer can only enjoy the cash reward once during the Promotion Period.
  7. The Bank will credit the cash reward to the Offer 1 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 September 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 (“Offer 2”):

  1. Offer 2 is only applicable to the Bank's Personal Banking personal customers, as well as Private Wealth and Private Banking customers (“Eligible Customer(s) for Offer 2”), but not applicable to 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, Offer 2 Eligible Customers who exchange a designated currency (as defined in table below) in the amount ranging from HKD100,000 to HKD50,000,000 (or equivalent) to any time deposit currency (as defined in table below) through the Bank’s branch staff or Relationship Managers via phone call or by visiting our branches (“Designated Channels”) and simultaneously 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. Offer 2 Eligible Customers who fulfill any criteria mentioned in the clause of 2.1 below can enjoy bonus interest rate (p.a.) (the “Preferential Time Deposit Interest Rate”)* (“Time Deposit Interest Rate Offer”):
    2.1Criteria to enjoy the “Preferential Time Deposit Interest Rate” include,
    1. Private Wealth or Private Banking customers of the Bank; or
    2. Set up Value Added Payroll Service during the Promotion Period; or
    3. Maintain Step Up Savings Account during the Promotion Period; or
    4. 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
    Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria Other Customers
    RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD AUD 14.8% 11.8%
    NZD
    CAD
    GBP
    USD 10.8% 8.8%
    RMB

    *The above Time Deposit Interest Rates (p.a.) are for reference only but not guaranteed and it 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 Offer 2 Eligible Customers who conduct the exchange transaction and simultaneously 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 foreign currencies 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 foreign currencies 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. Offer 2 cannot be used in conjunction with other interest rate offers.

D. Terms and Conditions for e-Channel Foreign Currency Time Deposit Promotion (“Offer 3”):

  1. Offer 3 is only applicable to Personal Banking customers of the Bank (“Offer 3 Eligible Customer(s)”), but not applicable to the corporate customers, Commercial Banking customers and Capital Investment Entrant Scheme customers of the Bank.
  2. During the Promotion Period, Offer 3 Eligible Customers who successfully set up a new Eligible Foreign Currency Time Deposit as specified in the table below by single name account through Online Banking, Mobile Banking or Smart Teller Machines (“e-Channels”) of the Bank can enjoy the following bonus interest rate (p.a.) (“e-Channel Foreign Currency Time Deposit Bonus Interest Rate”).
    Time Deposit Currency
    (In original currency of 10,000 or above)    		 e-Channel 3-month Foreign Currency Time Deposit Bonus Interest Rate (p.a.)
    AUD + 0.1%
    NZD
    CAD
    GBP
  3. Offer 3 Eligible Customers must currently hold a Time Deposit Account with the Bank in order to set up time deposit via the e-Channels. For customers who do not hold the Time Deposit Account, please call our Relationship Managers or visit the Bank’s branches for account opening.
  4. The e-Channel Foreign Currency Time Deposit Bonus Interest Rate is included in the foreign currency time deposit interest rate shown in the e-Channels (“e-Channel Foreign Currency Time Deposit Preferential Interest Rate”). The relevant interest rates will be subject to the rates quoted by the Bank in e-Channels from time to time.
  5. For any foreign currency time deposit which is set up through any channel of the Bank other than the e-Channels (e.g. by calling our Relationship Managers, branches or Phone Banking etc.) will not be eligible for the e-Channel Foreign Currency Time Deposit Bonus Interest Rate.
  6. The e-Channel Foreign Currency Time Deposit Preferential Interest Rate is calculated based on the amount of each individual foreign currency time deposit transaction. No aggregation of deposit amounts will be applied.
  7. Offer 3 is not applicable to Foreign Currency Time Deposit renewals, including Renewal (Principal and Interest), Renewal (Renew Principal Only), Renewal (Change Principal Amount) and Renewal (Change Tenor).
  8. Any withdrawal or partial withdrawal of a time deposit prior to maturity of the foreign currencies 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 foreign currencies deposit in whole or in part in such instances.
  9. 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.
Risk Disclosure
FX Linked Deposit
FX Linked 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 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 is not equivalent to nor a substitute for time deposit. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong.

FX Linked Deposit – Principal Protected Deposit 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 it 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 from 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.

FX Linked Deposit – High Yield Deposit is not the same as directly buying the relevant currencies. It also involves derivatives risk. You will be subject to the credit risk of the Bank and it is not collateralized. There is no secondary market for FX Linked Deposit – High Yield Deposit, and early withdrawal is not allowed. The Bank has the right to early terminate the product upon occurrence of certain events. Besides, if the Deposit Currency and/or Linked Currency are not in your home currency, you may suffer a loss due to the currency risk originated from the relevant currency’s exchange rates fluctuations, which may offset or even exceed any gain. FX Linked Deposit – High Yield Deposit is not covered by the Investor Compensation Fund. The potential return is limited. Customer should be aware of the market risk, i.e. it is possible for the Bank to convert your money into the linked currency at the initial exchange rate. If the amount to be received by you is converted back into the original deposit currency at the market exchange rate on the relevant day, such converted amount might be less than the principal amount.

Investment involves risks. 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 is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any investment product in or outside Hong Kong. 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.