Wealth Management Service
Deposit Accounts
Investment Service
Loan Services
Insurance Service
Remittance
Credit Card Service
Safe Deposit Box
e-Banking Services
Self Service Banking
Schedule of Charges
Personal RMB Services
Other Services
Personal RMB Services

The most professional + Comprehensive + Quality services

Deposits

  • A comprehensive range of RMB deposit services including savings, current, time and club deposits are available
  • Multiple banking channels, including Internet Banking, Phone Banking, our branches and ATM service network spanning Hong Kong, Kowloon and the New Territories enable you to flexibly manage your account
  • You may opt to open an RMB savings account at any Mainland subsidiary banking institutions of NCB

Exchange

  • Our extensive service channels facilitate you to do the conversion quickly and conveniently
  • With our experience and expertise, you can always count on us for reliable RMB exchange service

Investment

  • Provide a comprehensive range of RMB investment products, including RMB securities, funds and bonds

Remittance1

  • Remittance points cover all provinces, autonomous regions and municipalities in the Mainland of China and Macau
  • Remittance applications can be processed conveniently through any branch of NCB or Internet Banking
  • Fund transfer can be made within the same day at the earliest2
  • Simply by choosing our RMB Remittance Express3 and setting up forward-dated remittance instruction, you can manage your funds with ease

Bank Cards

  • The ATM Cards with extensive network and dual-currency (HKD/RMB) settlement option, and BOC CUP Dual Currency Credit Cards are the best choices for all your RMB needs
  • Our card offers great convenience to frequent travelers between Hong Kong and the Mainland of China for business, work, travel or consumption
  • You can make purchase globally with the ATM Card at merchants that accept "UnionPay" without handling fees. Also, it provides cash withdrawal worldwide via ATMs marked with "UnionPay" logo. For each cash withdrawal transaction, the handling fee is HKD / RMB 15

Cheques

  • You can settle payments by cheque for consumer spending1 in Guangdong Province without the trouble of carrying a bulk of cash across the border. In Hong Kong, you can use it to settle all kinds of payments
  • Easy-to-read monthly statements listing all the transaction details make your financial management easier

Cashier's Orders and Gift Cheques

  • Cashier's order can be used as a payment instrument for settling payments and transferring fund without the need of carrying a bulk of cash
  • The elegantly designed gift cheques are suitable for all sorts of celebration events as gifts for friends and family

Internet Banking and Phone Banking

  • You can conveniently access our comprehensive range of RMB financial services via Internet Banking or Phone Banking anytime, anywhere
  • Customers can take advantage of our exclusive Internet Banking offers

Customers can enjoy the comprehensive RMB Services at NCB upon opening Multi-currency Savings Accounts (including RMB) or RMB current accounts.

Simply open Multi-currency Savings Account (including RMB) at any branch of NCB or via Internet Banking4! For enquiries, please call our Customer Service Hotline at (852) 2622 2633.

Remarks:

  • This service is only applicable to Hong Kong residents.
  • Remittance should be made in accordance with related regulatory requirements in the Mainland of China. For details, please contact the staff of NCB.
  • To enjoy the service, you should open an RMB savings account at any branch of Nanyang Commercial Bank (China) Limited in the Mainland and meet specific requirements. For details, please contact the staff of NCB .
  • The opening of Multi-currency Savings Account (including RMB) via Internet Banking is only applicable to the Bank's existing Internet Banking customers who do not hold any Multi-Currency Savings Accounts in sole name or joint Multi-currency Savings Accounts (including RMB).

Enquiry

Risk Disclosure:

Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to the fluctuating nature of the markets, the prices of products may rise or fall beyond customers' expectations and investment funds may increase or decrease in value as a result of selling or purchasing investment products. Loss may equal or exceed the amount of the initial investment. Income yields may also fluctuate. Due to market conditions, some investments may not be readily realised. Before making any investment decision, customers should assess their own financial position, investment objectives and experience, willingness and ability to bear risks, and understand the nature and risk of the relevant product. For details of the nature of a particular product and the risks involved, please refer to the relevant offering documents. Customers should seek advice from an independent financial adviser. This promotional material does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. This promotional material is issued by Nanyang Commercial Bank, Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.

RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.

RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

Nanyang Commercial Bank (China) Limited is a bank incorporated in the Mainland of China and is not an authorized institution within the meaning of the Banking Ordinance of Hong Kong nor carrying on banking business in Hong Kong. The deposits in NCB (China) are not protected by the Deposit Protection Scheme in Hong Kong and are not guaranteed by Nanyang Commercial Bank, Limited.

The current requirements allow Hong Kong residents to remit the remaining balance of the RMB funds and the deposit interest thereof (after deducting the relevant interest tax) from the Mainland of China to their accounts in Hong Kong under the same name. However, any subsequent transfer of the RMB funds from the Mainland of China back to Hong Kong shall be subject to the prevailing legal and regulatory requirements of the regulatory authorities in the Mainland of China. Customers shall also bear the risk of foreign exchange restrictions.