Cross Border Long Card

Hassle-free financial management across the border

Open the cross-border account with CCB (Asia) and CCB, and you will be backed by the financial strength and extensive network of CCB Group. All it takes is the Cross Border Long Card to manage your finances more easily and flexibly anywhere in Mainland China or Hong Kong.

Leverage a remarkable saving rate

  • One Card Access to Several Accounts:

    Offers CCB Reminbi ("RMB") Account, HKD Cash Account, HKD Remittance Account,and RMB Time Deposit (if any) and CCB (Asia) HKD Savings, Checking, or RMB Savings Account.

  • Auto-transfer Between Accounts in Two Regions:

    One Cross Border Long Card can link up customers' CCB(Asia) and CCB accounts. With the advantage of auto-transfer between accounts in two regions, you can enjoy the convenience of cross-border financial management with just one card. Whenever you perform a transaction at an ATM and / or POS terminal, and if the preset account has insufficient funds, the entire sum will be automatically debited from other designated accounts^.

    Example

    Example for Auto-transfer Between Accounts in Two Regions

    When you perform a transaction at an ATM and/or POS terminal in Mainland China, the transaction amount will be first debited from RMB Account with CCB. In case of insufficient funds, the entire transaction amount will be debited in sequence from RMB to HKD Account with CCB (Asia).

    When you perform a transaction at an ATM and/or POS terminal in Hong Kong, Macau and/or overseas, the transaction amount will first be debited from your HKD Account with CCB (Asia). In case of insufficient funds, the entire transaction amount will be automatically debited from your CCB account in this order: (i) HKD Cash Account with CCB, (ii) HKD Remittance Account with CCB and then (iii) RMB Account with CCB.


Comprehensive services at your fingertips

  • Comprehensive Channels for CCB RMB Time Deposit Account:
    You can check your CCB RMB Time Deposit Account# details through consolidated monthly statement, ATMs, Online Banking service of CCB (Asia) upon successful account opening.

  • Online Banking:

    To enjoy the convenience of cross border financial management, you can check your CCB (Asia) and CCB account balance round-the-clock anywhere - simply sign in to CCB (Asia) and CCB Online Banking.

  • Wide ATM/ POS Network:

    In Mainland China, Hong Kong, Macau and overseas, you may withdraw cash and perform transactions via CCB, CCB (Asia), CCB (Macau), CUP, JETCO and EPS ATMs and/or POS payment to manage your finances more conveniently than ever.

  • Instant HKD Remittance Service:

    With the exclusive instant HKD remittance service, funds can be immediately transferred between your CCB account and your CCB (Asia) account.

  • Consolidated Monthly Statement:

    A CCB (Asia) consolidated monthly statement allows you to review CCB (Asia) and CCB account information at a glance.


ATM withdrawal fee waiver

ATM cash withdrawal fees will be waived if you withdraw cash at CCB (Asia), CCB (Macau) or CCB* ATM network^^


Overseas ATM Transactions

You need not to activate the Overseas ATM Transactions for any cash withdrawal transaction via ATMs of CCB and UnionPay in mainland China, if CCB Account is the debit account. You can activate / change your Overseas ATM Transactions setting through ATMs, Online Banking, and Customer Service Hotline or visit any branch of CCB (Asia) for any auto-transfer cash withdrawal to CCB (Asia) account.


Comprehensive customer services

  • Mainland China Concierge Service:

    Enjoy exclusive Mainland China Concierge Service arranged by CCB (Asia). Simply present your Cross Border Long Card to over 10,000 branches in the Mainland China and you would enjoy a nationwide travel concierge and emergency support service wherever you are in Mainland China.

  • Extensive Branch Network:

    • Approximately 32,000 branches in Mainland China
    • Over 37 branches in Hong Kong
    • 8 branches in Macau

For more details of CCB Phone Banking call flow, please click here. For enquiry of CCB RMB Time Deposit Rate *, please click here.


* Checking and/or savings account with CCB (Asia) are a deposit qualified for protection by the "Deposit Protection Scheme” in Hong Kong. Deposits in any currency placed with the designated branch of CCB in Mainland China are not protected under the "Deposit Protection Scheme" Ordinance in Hong Kong.
^ The auto-transfer function in the transactions would generate charges. The auto-transfer function is entitled to convert account funds into HKD or RMB according to the foreign exchange rate as announced by CCB on the day which funds are debited and to levy handling charges as announced from time to time. For details, please refer to CCB (Asia) "Schedule of Service Fees" related fees (English version prevails).
# Information of CCB RMB Time Deposit Account will update once a month. You can call CCB Bank By Phone Service at 86 + (District Code) +9 5533 for latest details of the account.
^^ Any charges generated in the transactions by the auto-transfer function are not included.
The auto-transfer function is entitled to convert account funds into HKD or RMB according to the foreign exchange rate as announced by CCB on the day which funds are debited and to levy handling charges as announced from time to time. For details, please refer to CCB (Asia) "Schedule of Service Fees" related fees (English version prevails).

Hotline +852 2779 5533(HK)
4001 995533 (Mainland)
Visit Our Branches

RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

Functions at a Glance

ATM
Service
Mainland China Hong Kong/ Macau Overseas
CCB UnionPay CCB (Asia) Jetco UnionPay UnionPay
Balance Enquiry blue dotRMB Account with CCB
blue dotHKD Account with CCB (Asia)1
blue dotRMB Account with CCB blue dotHKD Checking Account with CCB (Asia)
blue dotHKD Savings Account with CCB (Asia)
blue dotRMB Savings Account with CCB(Asia)
blue dotHKD Cash Account with CCB
blue dotHKD Remittance Account with CCB
blue dotRMB Account with CCB
blue dotRMB Time Deposit Account with CCB2(if any)
blue dotHKD Checking Account with CCB (Asia)
blue dotHKD Savings Account with CCB (Asia)
blue dotRMB Savings Account with CCB(Asia)
blue dotHKD Account with CCB (Asia)1
blue dotHKD Account with CCB (Asia)1
Cash Withdrawal blue dotRMB Account with CCB
blue dotRMB Account with CCB (Asia)3 blue dotHKD Account with CCB (Asia)1,3
blue dotHKD Checking Account with CCB (Asia)
blue dotHKD Savings Account with CCB (Asia)
blue dotRMB Savings Account with CCB (Asia)
blue dotHKD Cash Account with CCB3
blue dotHKD Remittance Account with CCB3
blue dotRMB Account with CCB3
Password Change blue tick - blue tick blue tick - -
Bill Payment - - blue tick blue tick - -
Mini-statement - - blue dotHKD Account with CCB (Asia)1
blue dotRMB Savings Account with CCB (Asia)
- - -
Check book Request - - HK$ Checking Account with CCB (Asia) - -
Statement Request - - CCBA (Asia) Statement - -
POS Terminals Mainland China Hong Kong/ Macau Overseas
UnionPay EPS/ UnionPay UnionPay
Spending At Merchant POS blue dotRMB Account with CCB
blue dotHKD Account with CCB (Asia)3
blue dotHKD Account with CCB (Asia)
blue dotHKD Cash Account with CCB3
blue dotHKD Remittance Account with CCB3
blue dotRMB Account with CCB3

  1. If customer holds a HK$ Checking Account and a Savings Account or holds only a HK$ to Checking Account. If customer holds a HK$ Savings Account with CCB (Asia) only, the mentioned HK$ Account with CCB (Asia) refers to Saving Account.
  2. Information of CCB RMB Time Deposit Account will update once a month. You can call CCB Bank By Phone Service at 86 + (District Code)+9 5533 for latest details of the account.
  3. Account to be debited under the auto-transfer function.

Note:

  • - When performing transaction, the spending amount of a single transaction may be limited by merchants. Please contact respective merchant for details.
  • - If the currency of the cash withdrawal or POS is different from that of the limit, the transaction limit is the above equivalent amount.
  • - When customer withdraws RMB notes from HKD account at the Bank’s ATMs, the exchange rate will be the ATM RMB notes selling rate provided by the Bank.

Hotline +852 2779 5533(HK)
4001 995533 (Mainland)
Visit Our Branches

RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

Daily Transaction Limits

CCB (Asia) Cross Border Long Card
Cash Withdrawal/POS/Auto-transfer Limit
Mainland China Transaction Limit (daily) Hong Kong, Macau and Overseas Transaction Limit (daily)
Maximum Limit for ATM Cash
Withdrawal
RMB20,000 HK$20,000
Maximum Limit for ATM Cash
Withdrawal (Auto-transfer)
HK$20,000 †∇※ USD1,000 †‡*
Maximum Limit for POS Maximum equivalent to the deposit amount in CCB account HK$50,000 Λ
Maximum Limit for POS (Auto-transfer) HK$50,000 Λ∇ HK$50,000 ‡Λ

† Shared limit for ATM cash withdrawal.
※ The transaction limit for ATM cash withdrawal performed in Mainland China with auto-transfer to CCB (Asia) account is RMB3,000.
‡ Upper limit for Auto-transfer per day is 15.
Λ Shared limit for UnionPay POS.

*The monthly accumulated cash withdrawal limit per card cannot exceed USD5,000 equivalent; 6-month accumulated cash withdrawal limit per card cannot exceed USD10,000 equivalent; yearly accumulated cash withdrawal limit per card cannot exceed USD 20,000 equivalent.

∇ For any ATM cash withdrawal and POS transactions with Cross Border Long Card in Mainland China, it will utilize the daily limit of RMB exchange in Hong Kong (exchange channel including but not limited to branches, Online Banking, Bank by Phone and ATM; and the existing exchange limit are unlimited from 9am-6pm, Monday to Friday (excluded public holiday) (“Trading Hours”) and RMB100,000 or the amount set by the Bank from time to time during non-Trading Hours).

The minimum cash withdrawal amount is HK$100 and HK$500 when using China Construction Bank (Asia) ATMs and other JETCO ATMs.

Hotline +852 2779 5533(HK)
4001 995533 (Mainland)
Visit Our Branches

RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

General account service

Cross border long card service

Electronic Banking application & maintenance *

* Only applicable to Cross Border Long Card customers who will submit the form to China Construction Bank designated branch in Mainland

Branch location

Hotline +852 2779 5533(HK)
4001 995533 (Mainland)
Visit Our Branches

RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.