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.

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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.

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 - Submit an application with a Fulfillment document issued by a Certified Public Accountant (CPA) (Practising) to demonstrate the applicant's fulfillment of Net Asset Requirement

Step 2:
Approval-in-Principle - Submit an entry application with the certifying proof for Fulfillment of Net Asset Requirement. A visa/entry permit will be granted if Approval-in-Principle is given for entering Hong Kong on visitor status for not more than 180 days for making the committed investment within the specified timeframe. For details on the permissible investment, please speak to us.

Step 3:
Assessment on Investment Requirements - Submit an application with a Fulfillment document issued by a CPA (Practising) to demonstrate the applicant's fulfillment of Investment Requirements.

Step 4:
Formal Approval - Submit the certifying proof for Fulfillment of Investment Requirements to continue the entry application. Upon Formal Approval, permission to stay will normally be granted for not more than 24 months.

Step 5:
Fulfillment of Portfolio Maintenance Requirements - Submit a Fulfillment document issued by a CPA (Practising) after the first anniversary of the grant of Formal Approval, and after each subsequent anniversary to demonstrate the entrant's fulfillment of Portfolio Maintenance Requirements.

Step 6:
Continuous Compliance with Portfolio Maintenance Requirements - Submit an application for verification of continuous compliance with the Portfolio Maintenance Requirements.
Extension of Stay - Submit an application for extension of stay for not more than 3 years. Further applications for extension of stay should follow the same procedures.

Final Step:
Permanent Residence in Hong Kong - Upon a period of continuous ordinary residence in Hong Kong of not less than 7 years and subject to any other relevant requirements under the Immigration Ordinance (Cap. 115), may apply to become Hong Kong permanent residents; or
Unconditional Stay in Hong Kong - while continuously satisfying the Portfolio Maintenance Requirements under New CIES for not less than 7 years but not able to fulfill the continuous ordinary residence requirement, may apply for unconditional stay in Hong Kong following the end of the 7th year.

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.

Important Note:

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/ Certificate of Deposit (CDs)
(1) The product is not deposit. It is not a protected deposit and NOT protected under the Deposit Protection Scheme in Hong Kong. (2) Investment involves risk. The prices of Bonds / CDs can fluctuate, sometimes dramatically. The price of Bonds / CDs 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 / CDs. (3) Default and Credit risk - It is the obligation of issuer or Guarantor to meet their payment obligations on the interest and principal. If the issuer and/or the Guarantor become insolvent or default on their obligation, you may not receive any repayment of your principal amount or any other payments due to you under the terms of the product. (4) Credit rating related risk - The credit ratings assigned by credit rating agencies are heavily weighted by past performances and do not Guarantee the creditworthiness of the product, the Issuer and/or the Guarantor. Downgrades in credit rating may adversely affect Issuer’s ability for refinancing and the market price of the product. (5) Interest rate risk - The product is subject to interest rate fluctuations. The price of the product will normally fall when interest rate rises. Longer-term bonds / certificate of deposits are generally more sensitive to interest rate changes. (6) Exchange rate risk - The product may be subject to exchange rate risk. There may be a loss when convert payments made on the product into your local currency. (7) Liquidity risk - The liquidity of the product in the secondary market could be low and you may not be able to sell before maturity. Even if you can sell, the price will be based on the prevailing market and may result in substantial loss to the investment. (8) Market risk - Depending on the respective nature of business, the Issuer and/or Guarantor are subject to business, operational, legal, regulatory and political risks to varying extent. These risks may have adverse impact on the Issuer’s and/or Guarantor’s result of operations, financial condition and viability, and thus affect the Issuer’s and/or Guarantor’s ability to fulfill its obligations under this product. The value of your investment may fall and you even may lose your entire investment due to the adverse impact that local, regional and global political, social and economic developments may have on ratings and markets, including ratings and markets that directly concern your investment. Such developments may disrupt markets for long periods and may cause abnormal or volatile fluctuations in different economic measures including currency exchange rates, bond / certificate of deposits values and yields, interest rates, equity values and commodity values. (9) Event risk - A corporate event such as a merger or takeover may lower the credit rating of the product or issuer. In case the corporate restructurings are financed by the issuance of a large amount of new debt-burden, the company's ability to pay off existing bonds / certificate of deposits will be weakened. (10) Tax risk - You should carefully consider the tax consequences of investing in the product and consult your own independent professional advisor. (11) Products with callable feature - The product may be allowed to early redeem by issuer before maturity. You may not be able to enjoy the same rates of return when investing in other products with similar risk parameters. At the worst case, you may be suffer a loss for your investment transaction.

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.