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.

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

Remarks

1. The Referee must be a Hong Kong resident, holding a valid Hong Kong Permanent Identity Card and must be a new customer who has not maintained any bank account or credit card account or service with the Bank within the preceding 12 months.
2. Referrer and Referee are eligible for HK$200 Deposit Reward respectively upon the referee has made deposit(s) of HK$10,000 or above in total to his/her account within 30 calendar days after his/her banking account opening. The deposit has to be in Hong Kong Dollar.
3. Referrer is eligible for HK$500 or HK$1,500 Premium Reward upon the referee has fulfilled the designated Total Balance Growth and Total Balance requirement.
4. Terms and Conditions apply for inMotion MONOPOLY Referral Reward Programme and 2025 Q1 CITICdiamond / CITICfirst Customer Referral Reward Programme, please click HERE for details.
5. Up to HK$1,500 rewards include (i) inMotion Account Opening Reward up to HK$800: This promotion is for new customers only, which refer to the customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the “Bank” within the preceding 12 months. CITICfirst , CITICdiamond, Private Banking and customer who have registered the new customer deposit offers campaign are not applicable to the offer. New customers are required to complete the relevant requirements during the designated date. Designated Credit Card includes CNCBI Motion Credit Card, CNCBI Motion Credit Card (virtual), CNCBI Jewel World Mastercard^® Card, CNCBI Jewel World Elite Mastercard® Card, CNCBI DCH Living Mastercard^® Card, and CNCBI GBA Dual Currency Credit Card. Terms and conditions apply, please click Terms and conditions apply, please click HERE for details. (ii) inMotion Exclusive 2% Cash Rebate for Designated FX Transaction. Complete designated foreign currency exchange to enjoy CNY 200 / EUR 25 / GBP 20 / JPY 4,000 (Maximum cash rebate for each customer); The above example is based on the assumption of CNY/HKD 1:1, EUR/HKD 1:6.8, GBP/HKD 1:7.5, JPY100/HKD 1:4.5 exchange rate. Eligible customers can enjoy a total of up to HK$700. The exchange rate is for reference only. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency. The actual exchange rate is based on the transaction execution date. Terms and conditions apply, please click HERE for details.
6. Terms and Conditions apply for the Welcome Reward of CITICdiamond/ CITICfirst, please click HERE for CITICdiamond Welcome Reward Terms and Conditions; please click HERE for CITICfirst Welcome Reward Terms and Conditions.
7. The images of the Referral Steps are for your reference only.
8. The above promotion is not applicable to staff of the Bank or staff of the companies under CITIC Group Corporation Limited.