Savings Account

Interest Rates

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Easy and convenient day-to-day access to your cash locally

Manage Hong Kong Dollar or RMB
Interest is calculated daily and deposited monthly
Monthly statement listing all banking transactions for your clear overview
Serves as the one-stop settlement account for Payroll Service, Direct Debit Authorization and Currency Exchange
Enquire account balance or transfer funds via ATM, Phone Banking and Internet Banking anywhere, anytime

Manage Hong Kong Dollar, RMB and a variety of foreign currencies conveniently in one consolidated Multi-Currency Savings Account
Interest is calculated daily and deposited monthly
Monthly statement listing all transaction records for your clear overview
Serves as the one-stop settlement account for Payroll Service, Direct Debit Authorization and Currency Exchange
Exchange foreign currencies via any branches, Phone Banking and Internet Banking anywhere, anytime

Remarks:

If no transaction (excluding such as interest and charges initiated by the Bank) has been effected through your savings account(s) for 24 consecutive months, the account(s) will be declared as inactive account(s) and restriction on transferral and/or withdrawal transaction(s) will be imposed. Customers may need to visit any of our branches to activate the account(s). For any enquiries, please call our Customer Service Hotline at (852)2616 6628.
Multi-Currency Savings Account supports the following currencies: HKD, CNH, USD, GBP, JPY, AUD, NZD, CAD, EUR, CHF, DKK, NOK, SEK, SGD, THB.

Disclosure of third parties and intermediaries for account opening:

NCB has not designated any intermediaries to open NCB accounts for customers. While opening your NCB personal account, please don't share your information with third parties, or engage with any intermediaries. please call our Customer Service Hotline at (852)2616 6628.

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.
(Only applicable to Individual Customers) 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.
(Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks 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.

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