You can enjoy efficient fund transfer services with a China CITIC Bank International (CNCBI) account.

CNCBI X inMotion Remittance Offer - Simpler, Faster, No Handling Fees!

From now till 31 December 2025, customers who successfully conduct CNY remittance transaction^ to beneficiary bank in Mainland China via inMotion can enjoy waiver on relevant remittance service fees*!

^Applicable to charge type which is borne by remitter only
*Fee waiver on (i) HK$100 Telex/SWIFT handling charge and (ii) Correspondent bank charge

You may refer to related fees and charges in remittance page on inMotion for further details.

Wherever you are, we provide you with full support

For more information, please click here.

The "New Capital Investment Entrant Scheme ("CIES")" was launched, allowing applicants to make capital investment in the form of financial assets, in order to obtain qualifications for relocating to Hong Kong.

An eligible applicant must make investment of a minimum of HKD30 million in the permissible investment assets, including investing a minimum of HKD27 million in permissible financial assets and/or non-residential real estate, and placing HKD3 million into a new CIES Investment Portfolio ("CIES IP"), with a view to supporting the development of innovation and technology industries and other strategic industries that are beneficial to the long term development of Hong Kong's economy.

From now till 31 Dec 2024, Eligible Customer¹ who invest in one or more of the Eligible Investment Products² and accumulate your investment transactions to enjoy up to HK$48,000 cash reward.

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1.Up to HK$8,800 Subscription Fee Rebate
From now till 31 Dec 2024, selected customers can enjoy up to HK$8,800 Subscription Fee Rebate on the first Investment Fund Subscription via online channels. ³

2.Up to HK$99,000 Investment Funds Transfer-In Cash Rewards
HK$300 Cash Rewards for every cumulative fund transfer-in of HK$100,000. Maximum cash rewards is up to HK$99,000. ⁴

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Customers can grab “Lifetime Securities Purchases Fee Waiver” mission at inMotion “Rewards Go!” to enjoy fee waiver (Securities purchases of Stocks executed through the One Account via inVest and inMotion) on registration month! Starting from the registration month, if you maintain no less than HKD100,000 in your Eligible HKD Accounts (excluding time deposits) at the end of each month, you can extend the fee waiver for every next calendar month! ⁵

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Private Banking Welcome Reward: From now till 31 December 2024, join Private Banking and apply for CNCBI Jewel World Elite Mastercard^® Card successfully with reached-designated Total Balance Growth Amount to enjoy fabulous rewards up to HK$50,000 free spending credit.

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Deposit HK$10,000 or above eligible new funds within registration period and register MONOPOLY Deposit to enjoy BONUS INTEREST RATE UP TO 5.28% p.a.! ⁶

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Enjoy Top-Notch Lifestyle Benefits with CNCBI Jewel World Elite Mastercard® Card.

• Enjoy up to 2.5% cash rebate on retail spending all year round. ⁷
• Complimentary access priority pass airport lounges⁸
• Complimentary airport limousine service
• Curated Dining Privileges: Enjoy a refined dining experience at renowned high-end private clubs⁸
• Buy-2-Get-2-Free Buffet Offer at China CITIC Bank International VIP Box at Sha Tin Racecourse
• 24-hour Concierge Service⁸
  From restaurant reservations, ticket booking to gift sourcing, our concierge services give you access to a world of extraordinary experience

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An Applicant must fall into one of the following categories covered by the Scheme:

• a foreign national; #
• a Macao Special Administrative Region residents;
• a Chinese national who has obtained permanent resident status in a foreign country; or
• a Chinese resident of Taiwan

# Afghanistan, Cuba and Democratic People’s Republic of Korea are excluded
The above may not constitute the full exhaustive list of eligible persons applicants.

An Applicant who satisfies the following criteria will be eligible for an Entry Application:

• Aged 18 or above;
• Demonstrating that he/she has net assets or net equity to which he/she is absolutely beneficially entitled with a market value of not less than HK$30 million Net (or equivalent in foreign currencies) throughout the two years preceding the date he/she lodged the application for net asset assessment;
• Makes investment of not less than HK$30 million Net (or equivalent in foreign currencies) in the permissible investment assets to which he/ she is absolutely beneficially entitled;
• Have no adverse immigration record;
• Be capable of supporting and accommodating himself/herself and his/her dependants, if any, on his/her own.

The above may not constitute the full exhaustive list of eligible criteria. 

Step 1:
Net Asset Assessment - Approach InvestHK for verifying whether fulfilled the Net Asset Requirement

Step 2:
Entry Application (Approval-in-Principle) - Submit an Entry Application to Immigration Department. 。If Approval-in-Principle is given, Applicant for entering Hong Kong on visitor status for not more than 180 days for making the committed investment. For details on the permissible investment, please speak to us.

Step 3:
Assessment on Investment Requirements - Upon completion of making investment of a minimum of HK$30 million Net (or equivalent in foreign currencies) in the Permissible investment assets, approach InvestHK for verifying whether the Investment Requirements.

Step 4:
Entry Application (Formal Approval) - Submit the certifying proof within its validity period to Immigration Department. After assessment, applicants will be granted Formal Approval of the Entry Application for not more than 24 months. Applicant/Entrant has to continue to satisfy the requirements of the Scheme throughout this period.

Step 5:
Assessment on Portfolio Maintenance Requirements - Not earlier than 3 months before expiry of his limit of stay, approach InvestHK to verify the continuous compliance with the Portfolio Maintenance Requirements. Then, submits an application for extension of stay.

Step 6:
Extension of Stay - Before expiry of limit of stay, submit an application for extension of stay to Immigration Department. Extension of stay for not more than three years will normally be granted to the Entrant and the dependants. Further applications for extension of stay for not more than three years should follow the same application procedures.

Final Step:
Permanent Residence - Upon a period of continuous ordinary residence in Hong Kong of not less than seven years, may apply to Director of Immigration for becoming Hong Kong permanent residents; or
Unconditional Stay - If the Entrant is unable to fulfill the continuous ordinary residence requirement while continuously satisfying the Portfolio Maintenance Requirements under the Scheme for not less than seven years, may apply to Immigration Department for unconditional stay.

The information is for reference only. For details, please visit the New Capital Investment Scheme official website

Applicants is required to place HK$ 3 million into a “CIES Investment Portfolio” and is required to invest a minimum of HKD27 million in including but not limited to the following permissible investment assets:

• Equities
• Investment Funds
• Debt securities
• Certificate of deposits (subject to a cap of HKD 3 million)

The information is for reference only. For details, please visit the New Capital Investment Scheme official website.

We are committed to manage your wealth with utmost professionalism and care, working just as hard to preserve and grow your assets as you have to earn them.

Our Chinese roots are reflected in an investment philosophy that values stability as the foundation of success.

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The Bank also offers 360 Portfolio Review Tool for you to comprehensively understand your current investment portfolio and build a more effective and diversified portfolio.

• At a glance view of your current portfolio’s asset class distribution
• Reference portfolios of risk levels 1 to 5 available
• Expected annualized return and volatility of reference portfolios provided
• Expected cumulative returns under different investment tenors of the reference portfolios available

To learn more about our services, you can speak to us using our hotlines.

• Customer Service and General Banking: (852) 2287 6767
• Private Banking Services: (852) 3603 6088

Our “New Capital Investment Entrant Scheme” Service are offered at our Private Banking Center or Designated Branches.

^ Banking and investment service and offers are not limited to “The New Capital Investment Entrant Scheme” customers, but are applicable to all eligible customers.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

1. Only applicable to Private Banking, CITICdiamond, CITICfirst customer.
2. One of Eligible Product must be an investment product that customer has not subscribed or setup with the Bank during 1 October 2023 to 30 September 2024. Offer is valid from now until 31 December 2024. Terms and Conditions specific to “Cash Rewards for Investment Transactions”.
3. Selected customers: Only applicable to customers, who have not subscribed any Investment Funds during 1 October 2023 to 30 September 2024. Offer is valid from now until 31 December 2024. Terms and Conditions specific to “Investment Fund Subscription Fee Rebate Offer”.
4. Investment Funds Transfer-In Cash Rewards arrangement: Customer may switch and redeem and then subscribe to other Investment Funds during the holding period, however, customer must maintain, at a minimum, the total Investment Funds holdings as recorded on the holding period start date, on the holding period end date. Offer is valid from now until 31 December 2024. Terms and Conditions specific to “Investment Funds Transfer-In Cash Rewards”.
5. Counting the sum of HKD amount in the Eligible HKD Accounts, i.e. the existing personal HKD Current / Savings / One Account Deposit accounts except time deposits. Offer is valid from 8 July to 31 December 2024. Terms and Conditions specific to “Up to a Lifetime Fee Waiver on Securities Purchases”.
6. Eligible New Fund is calculated based on the net increase in the Total Deposit balance of a customer as of previous business day ("Reference Date") from that of the last business day of previous month from Reference Date. Customers should register Monopoly Deposit and the eligible new fund should at least reach the requirement of HK$10,000 once on any business day during the Registration Period to enjoy the bonus interest rate of MONOPOLY Deposit. Terms and Conditions specific to “Monopoly Deposit”.
7. From now to 31 December 2024 (both days inclusive) (the “Promotion Period”), Credit Cardmembers can enjoy 2.5% cash rebate on Eligible Transactions with CNCBI Jewel World Elite Mastercard Card, including 0.5% basic cash rebate and 2% extra cash rebate. The monthly maximum of the 0.5% basic cash rebate amount of the Eligible Accounts (calculated on credit card statement cycle basis) shall be the multiple of the Member's credit limit as approved by the Bank and the applicable cash rebate percentage (currently 0.5%). The monthly maximum of the 2% extra cash rebate amount of the Eligible Accounts shall be HK$3,800.Retail spending must be posted transactions, including retail purchase, cash advance, monthly repayments of Merchant Instalment Plans, autopay, and retail transactions incurred by way of mail/phone order(s). In case of any dispute, the decision of the Bank shall be final and binding on Cardmembers. If a transaction is considered by the Bank to be ineligible, the Bank reserves the right to debit an amount equal to the value of 2.5% Cash Rebate from the Eligible Cardmember’s account.
   The offer is subject to applicable terms and conditions. For details of the 2.5% cash rebate program, please refer to "Terms and Conditions for CNCBI Jewel World Elite Mastercard Card 2.5% Cash Rebate Rewards Program".
8. Provided by Mastercard and subject to related Terms and Conditions

Important Note:
Some of the investment products are structured products involving derivatives. The investment decision is yours but you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. You should not invest in this product based on this website alone.

Risk Disclosure Statements for Investment Funds
(1) Investment Funds are not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. (2) Investors should note that investment involves risk and past performance is not indicative of future performance. The price of the Investment Funds may go down as well as up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of investing in Investment Funds. In the worst case scenario, the value of the Investment Funds may be substantially less than your investment amount. (3) Investors should consider their own investment objectives, financial resources and relevant circumstances, and read the relevant offering document, terms and conditions and risk disclosure statement before making any investment decision. (4) Investors should carefully read the relevant fund's offering documents (including the investment policy and risk factors stated therein) in details before making any investment decision. If needed, investors should seek independent professional advice.

Risk Disclosure Statements for Bonds
(1) Investment involves risk. The prices of bonds can fluctuate, sometimes dramatically. The price of bonds may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling bonds. (2) Investing in this product is not equivalent to time deposit. This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. (3) Default/ Credit risk - There is a risk that the issuer may fail to pay you the interest or principal as scheduled. In the worst case scenario, you may not be able to receive back the interest and principal if the issuer defaults on the bond. (4) Interest rate risk - When the interest rate rises, the price of a fixed rate bond will normally drop. (5) Exchange rate risk - If your bond is denominated in a foreign currency, you may face an exchange rate risk if you choose to convert payments made on bond to your home currency. (6) Liquidity risk - If you need to sell the bonds before maturity for an urgent cash-flow need or use the capital for other investments, you may not be able to do this since the liquidity of the secondary bond market could be low. If you choose to sell your bond before it matures, you may lose part or all of your investment. (7) Reinvestment risk - If you hold a callable bond, when the interest rate goes down, the issuer may redeem the bond before maturity. If this happens and you have to re-invest the proceeds, you may not be able to enjoy the same rates of return. (8) Equity risk - If your bond is "convertible" or "exchangeable", you also face equity risk associated with the stock. A fall in the stock price will usually follow by a fall in the bond price.

Risk Disclosure specific to Securities Trading

• Investment involves risks.
• The price of securities fluctuates, sometimes dramatically. The price of securities may move down or up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of buying or selling securities.
• Investors should seek advice from own professional advisors as to particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products.
• If investors investing in investment products denominated in non-local currency, one should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.
• Before making any investment decision, investors should refer to the terms and conditions of relevant securities trading services and risk disclosure statements and seek professional advice where needed.
• Renminbi (RMB) is subject to exchange rate risk. The Hong Kong dollar value of investment will decrease if the RMB depreciates against Hong Kong dollar. Conversion between RMB and other currencies (including Hong Kong dollar) is subject to policy restrictions relating to Renminbi and consequently the relevant regulatory requirements in Hong Kong. Such requirements may be amended subject to changes in the policy restrictions relating to RMB. RMB is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statements for Foreign Exchange
Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

This webpage does not itself constitute any offer of, or invitation by or on behalf of China CITIC Bank International Limited (the "Bank") to any person to purchase or sell or acquire or invest in any investment products. You should not only base on this webpage alone to make investment decisions.
China CITIC Bank International Limited is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority.
This webpage has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.