New Customer Referral Program
Enjoy HK$200 Reward for each
Successful Referral
Refer your Friends and Get Unlimited Rewards
Refer your Friends and Get Unlimited Rewards
Get
HK$200
Reward upon each successful referral of a new customer.
HK$200
Referee can also Enjoy Fabulous Offer
Referee can also Enjoy Fabulous Offer
Eligible new customers can enjoy Preferential HKD Time Deposit Interest Rate4 of up to 6.68% p.a. upon successfully opens a new account and completed designated simple tasks.
Tips to Earn Referral Reward
Tips to Earn Referral Reward
Invite your friends to complete a “New Customer Referral Form" to register Referee
Remarks:
- Eligible Customers (“Eligible Customer”) is referring to new customers who do not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account and Wealth Management Connect “Southbound Scheme” Account) with China Construction Bank (Asia) Corporation Limited (the “Bank”) in the past 12 months from the date of opening the Designated Account and / or joining the Packaged Banking Service. The referee of the program is not applicable to Private Banking, “PRIVATE WEALTH”, “PREMIER BANKING” personal banking customers of the Bank, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, and is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank. The Bank reserves the right to determine the eligibility of the Referrer for the Program.
- Eligible Customer must open a HKD Checking / Savings Account (“Designated Account”) and / or join WISE BANKING SERVICE (“Packaged Banking Service”) (“Referee”) with the bank within the Promotion Period and successfully fulfill all of the following designated requirements (“Designated Requirement”) within Promotion Period: (i) Sign up Online Banking or Mobile Banking (ii) Deposit HK$1,000 or above into the newly opened HKD Statement Savings Account. (iii) Open a Securities Trading Account.
- The Referrers of the first 2,000 successful referrals can enjoy the Referral Reward. The Referral Reward is granted on a first-come-first-served basis based on the personal banking service sign up date of the Referee.
- The offer is bound by terms and conditions. For details, please click here.
- Referee with HKID can open account via e-Account service. For details please click here.
The above offers and services are bound by related terms and conditions. For more details, please refer to the following terms and conditions or contact our staff.
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Enquiry Hotline : 2903 8303
Terms & Conditions
New Customer Referral Program (“Program”) Terms and Conditions
A. General Terms and Conditions
- The promotion period of the Program is from now until June 30, 2025 (both dates inclusive) ("Promotion Period").
- If Referrer successfully refers a new customer to open a HKD Checking / Savings Account (“Designated Account”) and / or join WISE BANKING SERVICE (“Packaged Banking Service”) (“Referee”) with China Construction Bank (Asia) Corporation Limited (the “Bank”) during the Promotion Period, Referrer may enjoy the Referral Reward as specified under Section B below. The Referral Reward is granted on a first-come-first-served basis and is based on the sign up date of the Referee for opening the Designated Account and / or joining the Packaged Banking Service.
- The Referrer must not be the staff of the Bank and the staff of the subsidiary companies of China Construction Bank. The Bank reserves the right to determine the eligibility of the Referrer for the Program.
- The Referee must not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account and Wealth Management Connect “Southbound Scheme” Account) with the Bank in the past 12 months from the date of opening the Designated Account and / or joining the Packaged Banking Service.
- The Referee of the Program is not applicable to Private Banking, “PRIVATE WEALTH”, “PREMIER BANKING” personal banking customers of the Bank, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, and is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
- The Referee must become a new personal banking customer of the Bank within the Promotion Period and successfully fulfill all of the following designated requirements (“Designated Requirement”) within Promotion Period: (i) Sign up Online Banking or Mobile Banking. (ii) Deposit HKD $1,000 or above into the newly opened HKD Statement Savings Account. (iii) Open a Securities Trading Account.
- The Customer-Get-Customer Referral Form (“Customer Referral Form”) must be filled-in by the Referee and successfully submitted via the website of the Bank prior to or on the same day of opening Designated Account and / or joining Packaged Banking Service by the Referee (as determined in accordance with the Bank’s record).
- Referrer to be eligible to the Referral Reward, Referrer and Referee must provide accurate name (must be the same as the identification document) and mobile phone number (must be same as the Bank’s record (if applicable)) on the Customer Referral Form. By providing relevant information to the Bank, the Referrer and the Referee agree to be bound by the relevant terms and conditions.
- Referrer and Referee cannot refer each other. The Referrer and the Referee cannot be the same person. If the Referee opens Designated Account and / or joins Packaged Banking Service under joint name with the Bank, the Referrer is eligible for Referral Reward once only. If the Referrer is one of the account holders of the newly opened Designated Account and / or joins Packaged Banking Service under joint name, he / she is not eligible to the Referral Reward.
- The Referrer must maintain a valid HKD Checking / Savings account or principal credit card account with the Bank, and the Referee must maintain the Designated Account and / or the Packaged Banking Service (if applicable). Otherwise, the Referral Reward will be forfeited and will not be provided to the Referrer through any other means.
- The Program cannot be used in conjunction with other referral promotion offers of the Bank, the Bank reserves the right to grant partial or all of offers entitled by the Customer.
- The Bank reserves the right to contact the Referrer to verify the Referrer information. The information is only used for confirming the registration and the eligibility of reward entitlement.
- Customer is also bound by relevant terms and conditions for the banking products and services under the Program, please refer to the relevant promotional materials or visit the official website of the Bank or contact our staff for details. In the event of any inconsistency between these Terms and Conditions and the relevant terms and conditions for the banking products and service, these Terms and Conditions of the Program shall prevail.
- The Bank reserves the right to revise these Terms and Conditions, withdraw or vary the offers anytime.
- In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the Chinese version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.
B. Offer details
- Referral Reward (“Referral Reward”)
The Referrer who successfully refers Referee to open Designated Account or join Packaged Banking Service during the Promotion Period can enjoy HK$200 Referral Reward for each successful referral. Referrers of the first 2,000 successful referrals can enjoy the Referral Reward. The Referral Reward is granted on a first-come-first-served basis based on the personal banking service sign up date of the Referee. - Each Referee can only be referred once. If the Referee is referred by more than one Referrer, the Referral Reward will be given to the Referrer as specified in the latest Customer Referral Form submitted according to the Bank's record.
- Referral Reward will be credited directly to the Referrer’s valid HKD bank account (excluding Step Up Savings Account and Time Deposit Account) or principal credit card account held with the Bank (if applicable and in the priority of HKD Savings Account, HKD Checking Account or principal credit card account) according to below schedule. The Referrer and Referee must also fulfill the conditions stated under Clause 10 at the time of crediting Referral Reward. Below is the schedule for crediting the Referral Reward:
Date of Designated Account Opening and / or enrollment of Packaged Banking Service by the Referee Referral Reward Credit Date From now until June 30, 2025 On or before Aug 31, 2025
Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment 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 investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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.
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.
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.
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 or insurance products in or outside Hong Kong. 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.
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment 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 investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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.
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.
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.
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 or insurance products in or outside Hong Kong. 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.