Step Up Savings Account

Open an account and enroll now for an offer of up to 6.5% (HKD / USD) / up to 3% (RMB) Savings Interest Rate (p.a.)

From September 21, 2023 to October 12, 2023, customers can enjoy up to 6.5% (HKD / USD) / up to 3% (RMB) preferential savings interest rates (p.a.)2 by opening a Step Up Savings Account, enrolling for the Step Up Offer and depositing funds within Deposit Open Period1. Act now and nurture your wealth with growing interests!
Without having to visit our branches, you can simply open a Step Up Savings Account and enroll for the Step Up Offer anytime via the Bank's Online Banking or Mobile Banking to earn high interests at your fingertips!

Preferential Interest Rates (p.a.)2

Currency3 Offer Period 1st Month 2nd Month 3rd Month 4th Month
HKD (minimum deposit amount HKD50,000) 2.00% 3.50% 4.00% 6.50%
USD (minimum deposit amount USD10,000) 3.50% 4.50% 5.50% 6.50%
RMB (minimum deposit amount RMB50,000) 1.00% 2.00% 2.50% 3.00%

Demo of Opening Step Up Savings Account and Enrolling for Promotion Offer via e-Channel

Customers can open a Step Up Savings Account and enroll for the Step Up Offer anytime via the Bank's Online Banking / Mobile Banking / Smart Teller Machines with just a few clicks!
Online Banking
Mobile Banking
Smart Teller Machines
Act now to enjoy monthly interest growth!
New Customers
Apply for e-Account Service
Just a few steps to open account and enjoy hassle-free experience at your fingertips
Existing Customers
Open Step Up Savings Account and Enroll for the Promotion Offer Now
If you have not yet registered for Online Banking and Mobile Banking, please click “Register now”

Remarks:

  1. Eligible Customer can only deposit to the Step Up Savings Account within 6 calendar days after Step Up Offer enrollment. The Deposit Open Period is up to the cut-off time of the Bank’s system.
  2. The Preferential Interest Rate is quoted as of September 18, 2023 and is for reference only and subject to change from time to time. Please visit the Bank’s website www.asia.ccb.com/hk/stepup/en or contact our staff for details.
  3. Step Up Offer is only available for Step Up Savings Accounts in HKD, USD or RMB. Upon enrolling Step Up Offer during the Promotion Period (i.e. September 21, 2023 to October 12, 2023 ), Eligible Customer is entitled to Step Up Offer in each of above-mentioned “Step Up Savings Account” once only during the Offer Period comprising 4 phases (see clause 6 for details).

The above offers and services are bound by related terms and conditions, please refer to the following terms and conditions or contact our staff for details.

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Terms & Conditions
Terms and Conditions for Step Up Savings Account Offer (“Step Up Offer”):
  1. The promotion period is from September 21, 2023 to October 12, 2023 (both dates inclusive) (the “Promotion Period”).
  2. The Step Up Offer is only applicable to customer who holds a Step Up Savings Account with China Construction Bank (Asia) Corporation Limited (“Bank”) (“Eligible Customer”) (“Eligible Step Up Account”), and enrolls Step Up Offer during the Promotion Period.
  3. Once enrolled Step Up Offer (see clause 6 below), Eligible Customer can only deposit to the Step Up Savings Account within 6 calendar days after Step Up Offer enrollment (“Deposit Open Period”), any subsequent deposit to the Step Up Savings Account by any means (including but not limited to cash/cheque/cashier’s order or other transfer payment) are not allowed until the end of Offer Period as specified in clause 6. After the Offer Period, deposit to the Step Up Savings Account is allowed again. At any point of time, withdrawal, transfer out or bill payment from the Step Up Savings Account is available on any channels of the Bank.
    Example: Eligible Customer enrolls Step Up Offer on September 21, 2023.
    Date Transaction Transaction Result
    September 22, 2023 Deposit HKD50,000 Allowed
    October 6, 2023 Deposit HKD80,000 Not allowed
    Reason: deposit made beyond the Deposit Open Period
    October 11, 2023 Withdraw HKD5,000 Allowed
  4. Multiple Step Up Savings Account opening in the same currency is not allowed. Step Up Offer is only available for Step Up Savings Account in HKD, USD or RMB and Eligible Customer is entitled to Step Up Offer in each of above-mentioned “Step Up Savings Account” once only. If the Step Up Savings Account has more than one account holders, only the primary account holder will be entitled to Step Up Offer and qualified as Eligible Customer.
  5. Step Up Savings Account cannot be used to register as any type of settlement account (including but not limited to the Packaged Banking services, investment services, default recipient account of FPS etc.)
  6. Eligible Customer who (i) successfully enrolls Step Up Offer during the Promotion Period, and (ii) deposits Funds of not less than HKD 50,000 / USD 10,000 / RMB 50,000 during the Deposit Open Period, can enjoy the preferential savings interest rate (“Preferential Interest Rate”) during the offer period comprising 4 phases (the “Offer Period”). Preferential Interest Rate only applies to Funds up to the maximum amount at HKD 50,000,000 /USD 2,500,000 / RMB 50,000,000 (see clause 8).
    Preferential Interest Rate (per annum)
    CurrencyOffer Period First month after enrollment
    (“Phase 1”)    		 Second month after enrollment
    (“Phase 2”)    		 Third month after enrollment
    (“Phase 3”)    		 Fourth month after enrollment
    (“Phase 4”)
    HKD 2.00% 3.50% 4.00% 6.50%
    USD 3.50% 4.50% 5.50% 6.50%
    RMB 1.00% 2.00% 2.50% 3.00%
    Example: Eligible Customer enrolls Step Up Offer with Funds of HKD1,000,000 and maintains same amount till the end of the Offer Period.

    Step Up Offer Enrollment Date

    Preferential Interest Rate (per annum)

    Account Balance

    HKD 1,000,000

    September 22, 2023

    Phase 1*:
    September 22, 2023 to
    October 21, 2023

    Phase 2*:
    October 22, 2023 to
    November 21, 2023

    Phase 3*:
    November 22, 2023 to
    December 21, 2023

    Phase 4*:
    December 22, 2023 to
    January 21, 2024

    Preferential Interest Rate

    2.00%

    3.50%

    4.00%

    6.50%

    Interest Amount

    HKD 1,643.83

    HKD 2,972.60

    HKD 3,287.67

    HKD 5,520.54
    The above example is calculated based on the above assumptions (exclude monthly interest payment) and for reference only.
    *Remarks: Offer Period depends on Step Up Offer enrollment date and varies with different customers.
  7. The interest during the Offer Period is credited to the Step Up Savings Account at month end on a monthly basis. It is calculated as simple interest: on a 365 day (for HKD) or 360 day (for USD and RMB) basis.
  8. Balance exceeding the maximum amount of Funds (see clause 6) maintained in Step Up Savings Account during the Offer Period will be entitled to the prevailing savings interest rate applicable to an ordinary Statement Savings account.
  9. After the Offer Period, the Step Up Savings Account will be entitled to the prevailing savings interest rate applicable to an ordinary Statement Savings account. If the daily deposit balance in the Step Up Savings Account is below HKD5,000 / USD500 / RMB1,000 (or the minimum amount specified by the Bank from time to time), no interest will be offered.
  10. The Preferential Interest Rate is quoted as of September 18, 2023 and is for reference only and subject to change from time to time. Please visit the Bank’s website www.asia.ccb.com/hk/stepup/en or contact our staff for details.
  11. In order to avoid the account being dormant, please perform transaction on your account in last 12 months. Enrolling the offer is not considered as valid transaction.
  12. The Bank reserves the right to suspend, modify or terminate any of the Offers and change these Terms and Conditions at its discretion from time to time.
  13. In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.
  14. In case of dispute, the decision of the Bank shall be final and binding.
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.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including but not limited to 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.