Dual Currency ATM Card

1 Card 2 Currencies 3 Accounts
Enjoy cross-border financial convenience with our Dual Currency ATM Card

To best fit your cross-border financial needs, China CITIC Bank International (CNCBI) Dual Currency ATM Card allows you to link with up to 3 deposit accounts including HKD and RMB in one card, offering easy cash withdrawal and saving you on currency exchange expenses.

Minimize expenses on currency exchange with dual currency settlement

With CNCBI's Dual Currency ATM Card, cash withdrawal via the UnionPay ATM network and purchase via Point of Sales (POS) terminals in Mainland China are settled from your RMB account to save expenses on currency exchange, while those transactions made in Hong Kong, Macau and overseas are settled from your HKD account.

Enjoy the ultra-convenient "Auto Fund Transfer among Accounts" function

In case of insufficient funds in your HKD/RMB account for cash withdrawal via UnionPay ATM network, with "Auto Fund Transfer among Accounts" function activated, the entire transaction amount will be automatically transferred among the accounts linked with your Dual Currency ATM Card according to predefined account prioritization to effect the withdrawal, offering you greater flexibility and convenience.

 

Card features at a glance

 

Remarks

1. When performing cash withdrawal/POS purchase via UnionPay ATM network in Hong Kong or overseas, the Master Account will be the Default Designated Account for withdrawal transaction. When performing cash withdrawal/POS purchase via UnionPay ATM network in Mainland China, the linked RMB account will be the Default Designated Account for withdrawal transaction. If both the Secondary Account and the Third Account are of RMB account, the Secondary Account of RMB will be the Default Designated Account for withdrawal transaction. If there is no RMB account linked with the ATM Card, the Master Account (HKD account) will be the Default Designated Account for withdrawal transaction.
2. "Auto Fund Transfer among Accounts" function is only applicable to Dual Currency ATM Card linked with other HKD account(s) or RMB account(s) (exclude the Master Account). "Auto Fund Transfer among Accounts" refers to cash withdrawal transaction made by customers via UnionPay ATM network, where the whole transaction amount will be automatically transferred to the Default Designated Account from other linked account(s) when there is insufficient fund in the Default Designated Account for withdrawal, provided that there is sufficient fund in the other linked account(s). If there is insufficient fund in all linked account(s) for the whole amount withdrawal, such withdrawal request will be cancelled. For details, please refer to the How does "Auto Fund Transfer among Accounts" function work section.
3. All the above examples are for illustration only and the exchange rates are subject to the market condition at the point of transaction.
4. If you want to use ATM services overseas and/or in Mainland China, please be reminded to activate the “Overseas ATM card cash withdrawal function”, set the activation period and daily overseas withdrawal limit in advance via our iBanking / inMotion / branches / Customer Service Hotline (Tel: 2287 6767) / any JETCO ATMs in Hong Kong. Activation is not required for cash withdrawal transactions performed at those ATMs marked with “JETCO” Logo in Mainland China and Macau.
5. For ATM card service fees and charges, please refer to the latest "Bank Service Fees and Charges" for details.
6. ATM transaction cannot be amended or cancelled after submission. Please verify all information before submission.

* Only applicable to the ATM Card with the "Auto Fund Transfer among Accounts" function activated for fund transfer transaction when the Default Designated Account does not have sufficient funds.

^▲ Account balance of the Default Designated Account will be shown in local currency for reference.

^# If there is no RMB account linked with the ATM Card, the Master Account (HKD account) will be accessed for the transaction.

^{^} Applicable to CNCBI & JETCO ATM only.

^Δ Support HKD to HKD account only for Fund Transfer / Bill Payment / Donation Service.

^† Statement / Cheque Book Request Service is applicable to Current Account only.