Welcome to the China CITIC Bank International.

Additional text has been added to aid users who may be using screen readers to view this site. If you are reading this text on your screen then either, the style sheet (CSS) file has failed to load, in which case you should refresh your screen or, your browser may not support style sheets. Find out more about which browsers support style sheets on the World Wide Web Consortium website.

What follows is a few links to some of the important pages. If you wish to skip this you can

Cross-border Banking

Hong Kong is an international financial centre. As the overseas financial platform of China CITIC Bank, China CITIC Bank International (CNCBI) offers comprehensive and excellent offshore financial services.

Simply have your account opening documents ready and we will walk you through the rest. You can easily open an account at China CITIC Bank International (CNCBI).

Open an account in Hong Kong

Customers can now open a Multi-currencies Statement Savings Account with CNCBI through inMotion app anytime when you are in Hong Kong.

Documents required for account opening

  • 2nd generation People’s Republic of China resident identity card
  • Exit-Entry Permit for Travelling to and from Hong Kong and Macau and the endorsement for visiting Hong Kong

Procedure for account opening

Customer downloads and starts using inMotion app

Customer submits an account opening application via inMotion

Once the application is submitted, customer will receive an email notification to confirm submission. Customer will then receive another email notification about the application progress

Upon successful application, customer can log on to inMotion or i-banking for banking services anytime

Click here for more details on Remote Account Opening Service via inMotion.

Simply bring along the account opening documents and visit any of CNCBI branches to open an account. You can make an appointment to open an account via our website.

Documents required for account opening

  • People's Republic of China resident identity card or passport; and
  • Residential address proof: Letters or statements issued by government authorities or public utilities companies in the last 3 months stating the customer's name and address.

Procedure for account opening

Customer books an appointment for account opening via the CNCBI website

Customers brings the required account opening documents to the designed CNCBI branch for account opening on the appointment date

China CITIC Bank Account Opening Witness Service – Physical / Electronic Form

Existing customers of China CITIC Bank can apply for a Multi-Currencies Statement Savings Account, ATM card, i-banking service and wealth management service with CNCBI by submitting a physical or electronic account opening form with required documents at designated branches of China CITIC Bank.

Eligibility

You must be:

  • Aged 18 or above
  • a VIP customer of China CITIC Bank
  • Possessing an Exit-Entry Permit for travelling to and from Hong Kong and Macau (EEP) which allows an extension of stay in Hong Kong for 3 months or above
  • Application must be done in person. In addition, you are required to sign the account opening documents at a designated branch of China CITIC Bank.

Documents required

  • Personal identity document: i) People's Republic of China resident identity card and ii) Exit-entry Permit for Travelling to and from Hong Kong and Macao or passport; and
  • Residential address proof: Letters or statements issued by government authorities or public utilities companies in the last 3 months stating the customer's name and address.
  • Applicants are required to provide an Exit-entry Permit for Travelling to and from Hong Kong and Macao with limit of stay of more than 3 months to China CITIC Bank

Procedure for account opening

Customer brings the required document to a designated branch of China CITIC Bank and fills in the relevant forms

China CITIC Bank provides Account Opening Witness Service

CNCBI verifies the documents and proceeds with account opening for the customer

CNCBI mails account Welcome Pack to the customer after the account is successfully opened

Charges for Account Opening

Customers will be responsible for the costs of China CITIC Bank (if any).

Branches of China CITIC Bank with Account Opening Witness Service

Beijing Shanghai Fuzhou Hohhot
Guangzhou Chengdu Xiamen Dongguan
Suzhou Jinan Qingdao Urumqi
Shenzhen Tianjin Wuhan Lanzhou
Dalian Xian Changsha Nanning
Hangzhou Shijiazhuang Chongqing Harbin
Nanjing Shenyang Kunming Zhengzhou
Ningbo Taiyuan Guiyang Changchun
Hefei Nanchang    

Learn more about the branch network of China CITIC Bank

Existing customers of CITIC group companies can appoint a PRC lawyer# on CNCBI's approved list to apply for a banking account with CNCBI through account opening witness service.

CITICdiamond Wealth Management Service customers are required to maintain daily average relationship balance of HK$4,000,000 or above.

Please call Cross-border toll-free hotline at 400-842-5558 for on-list PRC lawyers

Documents required for account opening

  • Personal identity document: i) People's Republic of China resident identity card and ii) Exit-entry Permit for Travelling to and from Hong Kong and Macao or passport; and
  • Residential address proof: Letters or statements issued by government authorities or public utilities companies in the last 3 months stating the customer's name and address.

Account Opening Witness Service Requirement

  • You must be an existing customer of CITIC Group Companies
  • Application for account opening witness service must be done in person. In addition, your signing on the account opening documents must be witnessed by a PRC lawyer approved by CNCBI.
  • Only applicable to customers applying for CITICdiamond Wealth Management Service at the same time. CITICdiamond Wealth Management Service customers are required to maintain daily average relationship balance of HK$4,000,000 or above.

Procedure for account opening

Customer brings the required account opening document to a on-list PRC lawyer and fills in the relevant forms

On-list PRC lawyer provides Account Opening Witness Service. Full set of account opening documents will be sent back to CNCBI by customer through courier

CNCBI verifies the documents and proceeds with account opening for the customer

CNCBI mails account Welcome Pack to the customer after the account is successfully opened

Charges for Account Opening

For account opening witness via on-list PRC lawyers, customers will be responsible for the costs of the lawyers (if any)#.

# The costs of the lawyers are not charged by CNCBI, customers should settle the costs directly with the lawyers. CNCBI does not charge any extra account opening fee. CNCBI also does not engage any third-party intermediaries or channels for On-list PRC Lawyer Account Opening Witness Service, please do not pay referral fees or channel fees to any third parties.

Account opening witness service through PRC lawyer is only applicable to customers applying for CITICdiamond Wealth Management Service at the same time. CITICdiamond Wealth Management Service customers are required to maintain daily average relationship balance of HK$4,000,000 or above. If customers do not wish to apply for CITICdiamond Wealth Management Service, they can choose to open an account with CNCBI by visiting any of the CNCBI branches in Hong Kong.

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

General Information
If you intend to transfer money by wire transfer to your CNCBI account, you will need to provide the following account information to the sender:
Your CNCBI account name and number;
Beneficiary bank details:

• Bank name: China CITIC Bank International Ltd.
• Main address: 61-65 Des Voeux Road Central, Hong Kong
• SWIFT code: KWHKHKHH / KWHKHKHHXXX
• Bank code: 018

Fees and Charges
Charges may be applied. For details, please refer to our Bank Service Fees and Charges.

Inward Remittance - SMS Notification
If you have registered for our SMS notification service, you will receive an SMS notification after the Inward Remittance funds have been credited to your account. This SMS notification service is free of charge. Haven’t yet registered? Simply visit any of branches for registration.

Notes:
1. Under normal circumstances, if the remittance is received from the remitter bank before the following cut-off time, the funds will be credited to your account on the same business day (i.e. Monday to Friday, Hong Kong time).
- Inward remittance via Clearing House Automated Transfer System (CHATS) (HKD / RMB / EUR / USD): Before 6:00pm
- Inward remittance by wire transfer (all currencies): 5:15pm
2. The above information is for reference only and subject to change without prior notice.
For enquiries, please visit our branches or contact your Relationship Manager.

Same-day Remittance Service

Simply submit your remittance instructions before the cut-off time via our branches (no pre-registration required) or i-banking (pre-registration required) on any business day to have your funds remitted to China CITIC Bank on the same day.

Online Remittance

Set up fund transfer / outward remittance templates via i-banking.

Template set-up channel Template effective time Maximum daily transaction limit (HKD equivalent)
Fund Transfer Outward Remittance
Set up template during account opening Immediately after account set-up 200,000 500,000
Set up via i-banking/ inMotion and use CNCBI Token for identity verification Will be effective in 24 hours 50,000 50,000

Cut-off Time

Please refer to the remittance cut-off timetable. Remittance instructions submitted before cut-off time on Monday to Friday on business days will be processed on the same day. Instructions received after cut-off time will be processed on the next business day. “Business day” means a day other than Saturday, Sunday and public holidays in Hong Kong. Please refer to the cut-off times below:

Remittance Type Currency Cut-Off Time
(HKT)
Telegraphic Transfer CNY (Renminbi)* 2:30 PM*
HKD, AUD, CAD, CHF, EUR, GBP, JPY, NOK, NZD, SGD, USD 4:30 PM
CHATS HKD to Shenzhen beneficiary bank account 2:30 PM
HKD / CNY / USD / EUR 4:30 PM

* For CNY (Renminbi) remittance, if the submission date is a holiday in both Hong Kong or Mainland China, the remittance instruction will be processed on the business day in both Hong Kong and Mainland China.

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

From now till 31 December 2024, 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.

We offer all-round banking services to facilitate your cross-border financial management.

Personal Banking CITICfirst CITICdiamond
We provide an array of products to suit your needs Combines the advantages of fine private banking with the convenience of premium retail banking services to provide tailored solutions as well as a suite of exceptional privileges. A team of global experts is constantly monitoring global markets to bring you the best investment and wealth managing strategies and plans. The team will always look after your personal needs to ensure your peace of mind.

From now till 31 December 2024, join CITICdiamond with CNCBI Jewel World Elite Mastercard® Card to enjoy up to HK$15,000 credit card free spending credit.

Learn more>

From now till 31 December 2024, join CITICfirst with CNCBI Jewel World Mastercard® Card to enjoy up to HK$4,000 credit card free spending credit.

Learn more>

From now till 31 December 2024, download inMotion to open account and trade FX to enjoy up to HK$1,000 cash reward1

Learn more>

More Rewards

Related remittance services are free of charge

From now till 31 December 2024, customers who successfully conduct CNY remittance transaction to beneficiary bank in Mainland China via inMotion can enjoy waiver on relevant remittance service fee.2

Invest in Eligible Investment Products to enjoy up to HK$48,000 Cash Rewards

From now till 31 December 2024, Eligible Customer3 who invest in one or more of the Eligible Investment Products and accumulate your investment transactions to enjoy up to HK$48,000 cash rewards.4

Learn more>

Subscription Fee Rebate up to HK$8,800

From now till 31 December 2024, selected customers can enjoy up to HK$8,800 Subscription Fee Rebate on the first Investment Fund Subscription via online channels.5

Learn more>

  1. Relevant Terms and Conditions apply. For more details, please click here.
  2. 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. About Bank service fees and charges.
  3. Only applicable to Private Banking, CITICdiamond, CITICfirst customer.
  4. 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”.
  5. 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”.

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

Investment and Foreign Exchange involves risks. Promotion terms and conditions apply. Promotion period of each offer might vary, for details, please refer to above promotion terms and conditions or contact our branch staff.

This material does not itself constitute any offer of or invitation to any person to purchase or sell or acquire or invest in any investment products. You should not only base on this material 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 material has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.

Wherever you are, we provide you with full support

Through our round-the-clock Live Chat service, our chatbot and professional customer service officers will reply to your general banking and product enquiries.

Click “Start Chat” to connect with us now.

Notes: Your Live Chat conversations will be recorded for the purpose of training, quality monitoring, disputes handling, etc. By clicking “Start chat”, you confirm that you have read, understood and agreed to be bound by the Bank’s Terms and Conditions for Live Chat.

Starting 1 Dec 2024, 7x24 toll-free voicebot hotlines will change to support by our customer service officer from Monday to Friday 9am to 6pm; Saturday 9am to 1pm (except public holidays).

If you have any account related enquiries, please call our customer service hotline.

If you are in mainland China, for enquiries in relation to Hong Kong accounts with China CITIC Bank International:

Private Banking / CITICdiamond / CITICfirst customers, please call the following 7x24 toll-free hotline:
(86-21) 6146 9017 or 400-613-7975

Other customers, please call the following 7x24 cross-border toll-free voicebot hotline:
400-842-5558

If you are in Hong Kong, you are welcome to call the following 7x24 toll-free voicebot hotline:
3413 3058

Branch network : We have an extensive branch network in Hong Kong that covers Kowloon, New Territories and Hong Kong Island.

Putonghua ambassador : Professional Putonghua ambassador available in each branch to serve you

Designated relationship manager : Every customer referred by China CITIC Bank will be served by a designated relationship manager, who provides personalized services and comprehensive financial services

Prestigious service : A prestigious China CITIC Bank VIP Customer Centre dedicated to all valuable China CITIC Bank customers is located in our Des Vouex Road Central Branch. Conveniently located and elegantly designed, the Centre outstandingly provides customers with tailored banking solutions in high privacy and extraordinary prestige.

Service hours: 9:00am to 5:00pm, Monday to Friday; 9:00am to 1:00pm, Saturday

i-banking

You can manage most financial transactions and meet your banking needs via i-banking, such as fund transfers between accounts, account opening, investment and bill payment, in addition to setting up remittance templates and receiving electronic statements.

Device Binding and Security Code

Device Binding and Security Code are our bank’s security functions for identity verification, your device will be recognized as a trusted device after binding and setting up Security Code. It will be used as the 2nd factor authentication on inMotion/Personal i-Banking/inVest. To improve transaction security, you are required to input Security Code when placing designated high-risk instructions.

e-banking Service Demo

CNCBI WeChat Banking Platform

Our CNCBI WeChat Banking Platform combines personal banking with mobile social application! Simply follow our official account (ID: cncbintl) and bind your China CITIC Bank International (CNCBI) account to WeChat to receive alerts of account activities as well as promotional messages from CNCBI via WeChat at any time, any place, giving you total control of your account status.
Act now for account binding to experience an all new level of convenient banking services!

QR code for CNCBI WeChat Official Account  Follow CNCBI WeChat Official Account

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.

Learn more>

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

Learn more>

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

Learn more>


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.

Learn more>


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

Learn more>


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

Learn more>




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.

Learn more>


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.

Download CNCBI APP

  • inMotion
    Visit inMotion page
    Download via App Store, Google Play, or click here to download Android APK
       
     
    Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.

China CITIC Bank International is:

Footer links and disclaimer messages: