Current Account  
      A Current Account enables you to make daily expenditures easily. A minimum balance of $1000 is required to open a current account. You can make withdrawal at any of our branch/sub-branches against cheques. There are Current Accounts in MOP/HKD for your option.  
         
    Savings Account  
      A Savings Account enables you to enjoy the benefits of earning interest as well as withdrawing easily. The minimum balance to open a Savings Account is only $100. The interest is accrued daily and credited to your account semi-annually.  
           
    Fixed/Special Deposits    
      Fixed Deposit  
      Fixed Deposit allows you to deposit certain amount in condition not to withdraw within a set period of time. The interest rate of our fixed deposit is competitive. There are various terms of deposit offered to suit your particular need. Automatic Renewal Service is available as well. We offer preferential interest rate for large amount.  
         
      Optional Deposit  
      Terms of deposit need not be pre-determined; you can withdraw at any time. Therefore, you can enjoy the flexibility and convenience of Savings Account and the higher interest return at the same time.  
         
      Prepaid Interest Deposit  
      The minimum balance for opening an account is MOP/HKD100,000. You may choose to receive interest monthly. There are terms available (12, 24 and 36 months) for your choice.  
           
      Call Deposit    
      You can withdraw the principal and accrued interest with 7 days prior notice. The minimum balance for Call Deposit is MOP/HKD500,000.    
     
   
           
    Foreign Currency Deposit    
      A Foreign Currency Account gives you the opportunity to take advantage of favorable interest rates as well as higher return with fluctuation of exchange rate. You are allowed to handle multiple currencies just in the single account.  
         
      Savings Account  
      The interest of 'Multi-Currency' Savings Account is computed daily and will be credited to your account monthly. There are 9 Foreign Currencies (USD, GBP, AUD, NZD, EUR, CAD, JPY, CHF and RMB) for you to choose.  
         
      Fixed Deposit  
      In order to meet your liquidity and profitability needs, our bank offers various terms of deposit (from 1 week to 12 months) and a choice of 9 Foreign Currencies: USD, GBP, AUD, NZD, EUR, CAD, JPY, CHF and RMB.  
           
      Fixed Deposit's term and minimum amount for opening an account    
     
Deposit currency
Term of deposit
Minimum deposit amount
HKD
MOP
1, 2, 3,6months,1, 1.5, 2 years
HKD/MOP10,000
7DAYS(Saturday not open)
HKD/MOP200,000

USD (T/T)

1,2,3,6 MONTHS, 1 YEAR
USD1,000
7 days(Saturday not open)
Equivalent to HKD500,000
(T/T)
GBP
AUD
NZD
EUR
CAD
JPY
CHF
1, 2, 3, 6 Months
JPY500,000
The following
currency's minimum
depost amount is1,000: USD, GBP, AUD,
NZD, EUR, CAD,
CHF.
GBP, AUD, NZD, EUR,
CAD, JPY, CHF
7 Days
Equivalent to
HKD500,000
RMB
1, 2, 3, 6 Months
RMB5,000
   
     
   
           
    Good Planning Target Deposit    
      To plan a better future, make savings a habit is important. Good Planning deposit account will be an ideal solution for you. The minimum balance to open an account is only MOP/HKD200. You may deposit monthly and withdraw the principal and accrued interest on maturity date. There are various terms of deposit (12,24 and 36 months) and accounts of MOP/HKD for your selection.    
     
   
           
    Premium Deposit    
      Premium Deposit is a product of Fixed Deposit which provides you with higher interest rate and an opportunity to Forex investment. You are required to select HKD or USD and a linked currency as well. The linked currency could be AUD, GBP, JPY, CAD, NZD or EUR. Customer has to make up a strike price of the linked currency with the Bank whenever processes a Premium Deposit. The minimum deposit balance is not less than HKD50,000 or equivalent, and the term of deposit can be 1 week, 2 weeks, 1 month, 3 months and 6 months. In case the spot rate of linked currency is not lower than the strike price on the maturity date, you can withdraw both the principal and accrued interest in deposited currency. On the contrary, if the spot rate of linked currency is lower than the strike price, the principal and accrued interest as a whole should be converted into linked currency by the strike price.