Cross-border Banking

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 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 30 September 2024, join CITICdiamond with CNCBI Jewel World Elite Mastercard® Card to enjoy up to HK$15,000 credit card free spending credit and unlimited cash rebate on foreign currency spending.

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From now till 31 July 2024, join CITICfirst with CNCBI Jewel World Mastercard® Card to enjoy up to HK$4,000 credit card free spending credit and unlimited cash rebate on foreign currency spending.

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From now till 30 September 2024, Eligible Customers will be entitled up to 5% Cash Rebate upon real-time or limited-order foreign exchange transactions from any currency to designated currency via inMotion. The maximum transaction rewards that each Eligible Customer can earn during the Promotion Period is the maximum transaction rewards in each designated currency. ²

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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.³

Invest in Eligible Investment Products to enjoy Cash Rewards

From now till 30 September 2024, Eligible Customer who Invest in one or more of the Eligible Investment Products via any channels of the Bank and accumulate Eligible Transaction Amount of designated value will be entitled to up to HK$48,000 cash reward. ¹

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Subscription Fee Rebate up to HK$8,800

From now till 30 September 2024, selected customer can enjoy up to HK$8,800 Subscription Fee Rebate on the first Investment Fund Subscription via online channels during promotion period.⁴

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Up to Lifetime $0 brokerage commission

From 8 July 2024 till 31 December 2024, customers can grab “Lifetime Securities Purchases Fee Waiver” mission at inMotion “Rewards Go!” to enjoy fee waiver on registration month! Starting from the registration month, if you maintain no less than HKD100,000 in your savings account (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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1. The Investment Rewards Offer is applicable to Private Banking customers, CITICdiamond customers, CITICfirst customers (“Eligible Customers”). The Investment Rewards Offer is not applicable to general customers and corporate customers of the Bank. Terms and Conditions apply. Please click here for details.
2. The designated currency and cash rebate will announce in the Bank’s official website. Terms and Conditions apply. Please click here for details.
3. 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。
4. Only applicable to customers, who have not subscribed any Investment Funds during 1 July 2023 to 30 Jun 2024. Terms and Conditions specific to “Investment Fund Subscription Fee Rebate”
5. The offer is not applicable to WMC customers. Terms and Conditions specific to “Up to Lifetime $0 brokerage commission for securities purchases”。

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

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.

Join CITICfirst, CITICdiamond, or Private Banking, and invest in any eligible investment product through any channel of the Bank during the promotion period with cumulative eligible transaction amount (equivalent to Hong Kong dollars) to enjoy up to HK$60,000 cash reward.¹

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1.Up to HK$8,800 Online Subscription Fee Rebate
Selected customers can enjoy up to HK$8,800 Subscription Fee Rebate on the first Investment Fund Subscription via online channels during promotion period. ²

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. ³

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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 savings account (excluding time deposits) at the end of each month, you can extend the fee waiver for every next calendar month! ⁴

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Deposit HK$10,000 or above eligible new funds within registration period and register MONOPOLY Deposit to enjoy SAVINGS INTEREST RATE UP TO 7.28% p.a.! ⁵

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

• Enjoy up to 2.5% cash rebate1 on retail spending all year round. ⁶
• Curated Dining Privileges: Enjoy a refined dining experience at renowned high-end private clubs
• Buy-2-Get-2-Free Buffet Offer at China CITIC Bank International VIP Box at Sha Tin Racecourse
• 24-hour Concierge Service
  From restaurant reservations, ticket booking to gift sourcing, our concierge services give you access to a world of extraordinary experience

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Private Banking Welcome Reward: From now till 30 June 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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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. 

Applicants is required to place HK$ 3 million into a “CIES Investment Portfolio” and is required to invest a minimum of HKD27 million in any of the following permissible investment assets.

• Equities 
• Debt securities 
• Certificate of deposits (subject to a cap of HKD 3 million) 
• Subordinated debt 
• Eligible Collective investment schemes
• Ownership interest in limited partnership funds (subject to a cap of HKD 10 million)
• Non-residential real estate (subject to a cap of HKD 10 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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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. Eligible Investment Products: Funds (Excluding Money Market Fund); Bonds (Excluding Retail Bond IPO). Terms and Conditions specific to “Cash Rewards for Investment Transactions”.
2. Selected customers: Only applicable to customers, who have not subscribed any Investment Funds during 1 April 2023 to 31 March 2024. Offer is valid from now until 30 Jun 2024. Terms and Conditions specific to “Online Subscription Fee Rebate Offer”.
3. 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 30 Jun 2024. Terms and Conditions specific to “Investment Funds Transfer-In Cash Rewards”.
4. Offer is valid from now until 30 Jun 2024. Terms and Conditions specific to “Up to a Lifetime Fee Waiver on Securities Purchases”.
5. 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. Registration period is from now till 30 May 2024. 7.28% deposit rate includes both bonus interest rate and existing interest rate of 1 May 2024, the Bank’s HKD Prevailing Savings Rate is 0.875%. The Bonus Interest Rate and Prevailing Savings Rate quoted above are indicative and for reference only, and may change from time to time at the Bank’s sole and absolute discretion. Terms and Conditions specific to “Monopoly Deposit”.
6. 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".

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.