Introduction

ChiyuBank provides you with premier personal RMB services including deposits, exchange, investment, remittance, bank cards and cheques, to help you better capture the opportunities generated from the ever-closer economic integration between Hong Kong and the Mainland of China.

Multiple Service Channels in RMB Business
You can conveniently access our RMB services via branches, and ATMs in Hong Kong as well as our Internet Banking, Mobile Banking and Phone Banking.

Strong connections in the Mainland of China
ChiyuBank has a strong China background. We offer you banking convenience through our branches in the Mainland.You can benefit from our long-term business relationships with financial institutions in the Mainland.

Profound experience in RMB businesses
ChiyuBank has profound experience in conducting RMB business in Hong Kong, we are well-equipped with sound systems support and a pool of talented RMB experts, ensuring you professional and reliable RMB services.

Well diverse range of RMB services
With our solid foundation, broad customer base and strong business connections, ChiyuBank is committed to providing you with a diverse range of RMB services.

Simply visit any of our branches for account opening details*. For enquiries, please call our Customer Services Hotline at (852) 2232 3625.

Deposits

• A comprehensive range of RMB savings, current, time deposits and club deposits services are available to suit your diverse financial needs.
• Multiple banking channels covering Internet Banking, Mobile Banking, Phone Banking, our branches and ATM service network spanning Hong Kong, Kowloon and the New Territories enable you to flexibly manage your account.

Exchange

• Our extensive network of branches and ATMs of Chiyu Banking Corporation Ltd. in Hong Kong are always at your service.
• You may choose to take up Exchange Express service (standing instruction for RMB exchange and transfer) to conveniently meet your financial needs.
• With our experience and expertise, you can always count on us for reliable RMB exchange service.
• All handling charges are waived.

Investment

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

Remittance¹

• Remittance points cover all major provinces, autonomous regions and municipalities in the Mainland and Macau.
• Remittance applications can be processed conveniently through any branch of Chiyu Banking Corporation Ltd. or Internet Banking.
• Fund transfer can be made within the same day at the earliest.²

ATM Cards

• The ATM Cards with dual-currency (HKD/RMB) settlement option, both are the best choices for all your needs.
• Our cards offer great convenience to frequent travelers between Hong Kong and the Mainland of China for business, work, travel or spending.
• UnionPay with extensive network, which is covering over 6 million merchant outlets and 1.4 million ATMs over the world.

Cheques

• You can settle payments by cheque for consumer spending¹ in Guangdong Province without the trouble of carrying a large amount 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 for settling payments and transferring fund without the need of carrying a large amount of cash.
• The elegantly designed gift cheques are suitable for all sorts of celebration events as gifts for friends and family.

Internet Banking, Mobile Banking and Phone Banking

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

Remarks：
This service is only applicable to Hong Kong residents. Please refer to the Service Regulations for more details.
Remittance should be made in accordance with related regulatory requirements in the Mainland of China. For details, please contact the staff of the Bank.

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 Chiyu Banking Corporation 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 Hong Kong dollars 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.
• 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.

Service Regulations

The upper limits on RMB deposits / exchange / remittance / cheque for Hong Kong residents:

The upper limits on RMB deposits / exchange / remittance / cheque for non-Hong Kong residents: