e-Account Service

Just a few steps to open account and enjoy up to HK$1,200 Reward and other fabulous offers!

Apply for an account through e-Account Service in just a few steps, simple and easy! No branch visit is needed, experience hassle-free account opening anytime, anywhere at your fingertips. From now until September 30, 2022, new customer1 who successfully opens a Savings Account via e-Account Service can enjoy up to HK$1,200 Reward! Moreover, you can also enjoy up to 4% HKD/RMB Preferential Savings Interest Rate (p.a.)2 by opening a Step Up Savings Account. Simply open an account to start banking from home and enjoy the preferential savings interest rates!

Open account to enjoy up to total HK$1,200 Reward

Icon - Deposit Offer
Deposit Offer
Deposit HK$30,0003 HK$300
Deposit HK$50,0004 HK$600
Icon - Direct Debit Authorisation Offer
Direct Debit
Authorisation Offer
Set up a Direct Debit Authorisation5 HK$300
Icon - FPS Offer
FPS Offer
Addressing and transaction6 HK$100
Securities Account Opening Offer
Securities Account
Opening Offer
Open a Securities Trading Account7 HK$200

For more details on the features, demonstration, User Guide and FAQ of e-Account Service, please click here.

More Fabulous Offers

Step Up Savings Account
Step Up Savings Account
Enjoy up to 4% HKD/RMB Preferential Savings Interest Rate (p.a.)2
Learn More >
Packaged Banking Services
Packaged Banking Services
Enjoy up to HK$47,300 Welcome Privileges8
Learn More >
Customer Referral Program
Customer Referral Program
Enjoy up to
HK$1,5009
for Each Successful Referral
No Cap for the Referral Reward
Learn More >

Apply for e-Account Service

App Store
Search "CCB Asia" or "CCB HK&MO" at App Store

Google Play
Search "CCB Asia" or "CCB HK&MO" at Google Play
Download CCB (HK&MO) Mobile App10 to apply for e-Account Service!
To use e-Account Service, please ensure your mobile device operation system meets the minimum requirements, for further details, please visit Requirements of Mobile Operating System; and is equipped with front and back cameras for identity verification.
Remarks:
  1. New customers must not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account) with the Bank in the past 12 months from the date of opening Savings Account. And e-Account Service only applicable to eligible customers, please refer to “e-Account Service” website (www.asia.ccb.com/hk/eaccountservice/en) for the eligibility.
  2. For more details and terms and conditions, please refer to “Step Up Savings Account Offer” website( www.asia.ccb.com/hk/stepup/en).
  3. During the Promotion Period, new customers who successfully open Savings Account via e-Account Service and receive the notification of satisfactory verification from the Bank, and maintain a minimum of HK$30,000 Daily Average Deposit Balance in their account within the first two calendar months subsequent to Savings Account opening date and activation, can enjoy HK$300 cash reward.
  4. During the Promotion Period, new customers who successfully open Savings Account via e-Account Service and receive the notification of satisfactory verification from the Bank, and maintain a minimum of HK$50,000 Daily Average Deposit Balance in their account within the first two calendar months subsequent to Savings Account opening date and activation, can enjoy HK$600 cash reward.
  5. Eligible customer who has fulfilled the requirements of Deposit Offer and successfully set up new Direct Debit Authorization Payment Service ("DDA") for recurring bill payment through the Savings Account opened via e-Account Service and conduct DDA bill payment transaction successfully on or before November 30, 2022, can enjoy HKD300 cash reward.
  6. New customers who successfully complete first-time Addressing Service and set the Bank as Default Recipient Bank under FPS Settings through the Bank's Online Banking or Mobile Banking on or before October 31, 2022 can enjoy HK$50 cash reward. After first-time successful registration to Addressing and Default Bank Service, customers can enjoy HK$50 cash reward upon 3 successful FPS transfers of HKD/RMB100 or above by using mobile number, email address, FPS ID or QR code through our Online Banking or Mobile Banking during the designated transaction period.
  7. Eligible customer who has fulfilled the requirements of Deposit Offer and successfully open a Securities Cash Trading account with the Bank on or before October 31, 2022, can enjoy HK$200 cash reward.
  8. For more details and related terms and conditions, please refer to "New Customer Promotion" website (www.asia.ccb.com/newcif/en).
  9. For more details and related terms and conditions, please refer to "Customer Referral Program" website (www.asia.ccb.com/cgc/en).
  10. In order to minimize the risk when banking on-line, the Mobile App will not run on any devices which are "jailbroken" (iOS) or "rooted" (Android). The Bank shall not be responsible for any problems or loss suffered by you if you attempt to use the Mobile App on such devices.

Warm reminders

  1. The Bank takes all reasonably practicable means to protect the data. Encryption technology is employed for sensitive data transmission. For more details about our privacy policy on personal data handling, please read our Notice to Customers relating to the Personal Data (Privacy) Ordinance.
  2. Customer should read the Bank's Security Tips for Online Security to improve your security from time to time to understand more about the measures you can take to enhance the security when using Online Banking Services. And it is recommended to take safeguard measures for your own protection when using the Online Banking, Mobile Banking Service and CCB (HK&MO) Mobile App.
  3. Besides, some mobile services might request you to scan your HKID via their mobile apps. Please be aware and don’t store your HKID copy on your mobile device or share it with people that you don't trust, also, don’t scan your HKID with any untrusted apps.

Risk Disclosure
Investment involves risks. The price of securities fluctuates, sometimes dramatically and may become valueless. Before making any investment decision, customers should consult their own independent financial advisors and read the relevant offering documents in order to ensure that they fully understand the risks associated with the investment products.

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.

Currency switching
Currency exchange rates are affected by a wide range of factors, including, among others, 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.

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

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

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Terms & Conditions

Promotion Terms and Conditions for e-Account Service Promotion Offer ("the Program")

A. General Terms and Conditions:

  1. The promotion period is from July 1, 2022 - September 30, 2022, both dates inclusive ("Promotion Period").
  2. Unless otherwise indicated, the Program is only applicable to new customer who has not maintained any accounts in sole name or joint name (excluding credit card account) or used any banking products or services of China Construction Bank (Asia) Corporation Limited ("the Bank") in the past 12 months before opening the HKD Statement Savings account and/or Multi-Currency Statement Savings account ("Savings Account") through the e-Account Service on the CCB (HK&MO) Mobile App ("e-Account Service") with the Bank within the Promotion Period ("Eligible Customer").
  3. An Eligible Customer will be entitled to each of the offers as specified under Section B ("Offers") for once only during the Promotion Period.
  4. If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer.
  5. If an Eligible Customer terminates any of the Online Personal Banking Service in respect of which offers would be awarded or no longer holds any Savings account with the Bank before or at the time of receiving relevant rewards, he/ she will be disqualified for the offers.
  6. The Bank reserves the right to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
  7. Eligible 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.
  8. Eligible Customers are also bound by the Terms and Conditions for Bank Services relating to Faster Payment System.
  9. 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. Deposit Offer ("Deposit Offer")

    10.1An Eligible Customer must fulfill all the following requirements during the Promotion Period in order to be entitled to the Deposit Offer:

    1. Successfully submitted application of e-Account Service; and
    2. Successfully opened Savings Account via e-Account Service ("Account Opening Date") and received the notification of satisfactory verification from the Bank; and;
    3. Maintain the Daily Average Deposit Balance as set out in the table below in Savings Account for the first 2 calendar months subsequent to the Account Opening Date and activation:
      Requirement of Daily Average Deposit Balance in Savings Account Deposit Offer
      HK$30,000 equivalent or above HK$300 Cash Reward
      HK$50,000 equivalent or above HK$600 Cash Reward

      Example:

      Account Opening Date Month for maintaining the Daily Average Deposit Balance
      July 5, 2022 August and September 2022
    10.2Cash Reward will be credited directly to Eligible Customer’s Savings Account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the below schedule. Such account must be valid at the time of receipt of cash reward; otherwise, the cash reward will be forfeited.
    Account Opening Date Date of Crediting the Cash Reward
    July 1 - September 30, 2022 On or before January 31, 2023
  2. Direct Debit Authorization Offer ("DDA Offer")

    11.1Each Eligible Customer must fulfill the DDA Offer requirements as stated below during the Promotion Period to enjoy up to a maximum amount of HK$300 cash reward:

    1. DDA Offer is applicable to Eligible customer who has fulfilled the requirements of Deposit Offer listed in Clause 10; and
    2. Successfully set up at least 1 new Direct Debit Authorization Payment instruction (only applicable to the DDA in HKD) (“DDA”) for recurring bill payment from his/her HKD Savings account with the Bank on or before November 30, 2022; and
    3. Successfully conduct at least 1 DDA bill payment transaction (including but not limited to payment for utility bills, payment for credit cards or other merchant bills.) (“Eligible DDA Transaction”) on or before November 30, 2022.

    11.2Transactions of one-time bill, non-merchant bills and/or individual transfer/top-up are not regarded as Eligible DDA Transaction.

    11.3All Eligible DDA Transaction records are determined according to the bank’s record. In case of dispute, the decision of the Bank shall be final and conclusive.

    11.4The Eligible Customer’s relevant DDA must remain valid at the time of receipt of DDA Offer. Otherwise, the cash reward under the DDA Offer will be forfeited and will not be provided to the Eligible Customer.

    11.5Cash reward will be credited to the Eligible Customer’s valid HKD Savings account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule stated in Clause 10.2. Such account must be valid at the time of receipt of cash reward; otherwise, the cash reward will be forfeited.

    11.6The DDA Offer of “e-Account Promotion” listed in Clause 11 of this Terms and Conditions cannot be used in conjunction with the DDA Offer of “New Customer Promotion” listed in Clause 14 of the “Promotion Terms and Conditions for New Customer Promotion”.

  3. FPS Offer (“FPS Offer”)

    12.1Addressing Service and Default Reward

    1. Eligible Customers must fulfill the requirements as stated below during the Promotion Period to enjoy HK$50 cash reward (“Addressing Service and Default Reward”). Each Eligible Customer will be entitled to the Addressing Service and Default Reward in the Program once only.
      1. First-time complete Addressing Service successfully and set the Bank as Default Recipient Bank under FPS Settings through the Bank’s Online Banking or Mobile Banking on or before October 31, 2022; and
      2. Eligible Customers must maintain the Addressing Service and the setting of the Bank as Default Recipient Bank at the time of receiving the Addressing Service and Default Reward.
    2. Addressing Service and Default Reward will be credited directly to Eligible Customer’s valid HKD Savings account (excluding “Step Up Savings Account”) opened most recently according to the below time schedule. Otherwise, the reward will be forfeited and will not be provided to the Eligible Customer through any other means. Below is the reward fulfillment time schedule:
      Date of completing Addressing Service and Default Bank Registration Date of crediting the Addressing Service and Default Reward
      July 1, 2022 - October 31, 2022 On or before January 31, 2023

    12.2Usage Reward

    1. Eligible Customer must fulfill the requirements as stated below during the Designated Transaction Period to enjoy HK$50 cash reward (“Usage Reward”). Each Eligible Customer will be entitled to the Usage Reward in the Program once only.
      1. Fulfill the requirements as stated in Clause 12.1i (a) and 12.1i (b) above; and
      2. Successfully completes at least 3 fund transfers of HKD100 or above or RMB100 or above by using mobile number, email address, FPS ID or QR code through the Bank’s Online Banking or Mobile Banking, both receiving or making payment will be counted (“Designated FPS Transactions”). If an Eligible Customer completes a fund transfer to the same account or another account in the same name of the Eligible Customer held under the Bank, such transaction will not be considered as a Designated FPS Transaction.
    2. Usage Reward will be credited directly to Eligible Customers’ valid HKD Savings account (excluding “Step Up Savings Account”) opened most recently according to the below time schedule. Otherwise, the reward will be forfeited and will not be provided to the Eligible Customer through any other means. Below is the reward fulfillment time schedule:
      Designated Transaction Period Date of crediting the Usage Reward
      July 1, 2022 - October 31, 2022 On or before January 31, 2023

    12.3The FPS Offer of “e-Account Promotion” listed in Clause 12 of this Terms and Conditions cannot be used in conjunction with the FPS Offer of “New Customer Promotion” listed in Clause 16 of the “Promotion Terms and Conditions for New Customer Promotion”.

  4. Securities Account Opening Offer (“Securities Account Opening Offer”)

    13.1Eligible Customers must fulfill the requirements as stated below during the Promotion Period to enjoy HK$200 cash reward (“Securities Account Opening Offer Reward”). Each Eligible Customer will be entitled to the Securities Offer Reward in the Program once only.

    1. Securities Account Opening Offer is applicable to Eligible customer who has fulfilled the requirements of Deposit Offer listed in Clause 10; and
    2. Successfully open a Securities Cash Trading account with the Bank on or before October 31, 2022 ("New Securities Account").

    13.2Securities Account Opening Offer Reward will be credited directly to Eligible Customer’s Savings Account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule stated in Clause 10.2. Such Savings account, New Securities Account and settlement account must be valid at the time of receipt of cash reward; otherwise, the cash reward will be forfeited.