inMotion - China CITIC Bank International


Risk Disclosure Statements for Foreign Exchange

Foreign exchange is 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. RMB is not freely convertible at present and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the restrictions prevailing at the relevant time. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.

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

Promotion terms and conditions apply.

Remarks

  1. Referee must be New-to-Bank Customer which means the customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) or credit card account or service with the Bank within the 12 months immediately preceding the account opening month. New-to-Bank Private Banking customer are not applicable to the Promotion.
  2. Referrer must activate the unique referral code through inMotion Rewards Go! or enquire own Referral Code through branch.
  3. Referrer can only eligible to enjoy maximum HK$1,300 Cash Reward for same eligible Referee, including HK$100 FX Transaction Reward, HK$100 PAYROLLplus Reward, HK$100 USD MONOPOLY Deposit Reward and up to HK$1,000 Total Balance Growth Reward. Referrer can only eligible to enjoy Total Balance Growth Reward once for same eligible Referee. Terms and conditions apply, please click here for details.
  4. Eligible Fund for MONOPOLY Deposit
    • During the Registration Period: Eligible Fund refers to the day-end New Fund amount placed in the registered account.
    • After the Registration Period: Eligible Fund at the end of the Registration Period will be fixed as the maximum amount entitled for Bonus Interest Rate. If customer withdraw funds from the registered account, the Eligible Fund amount may be decreased.
    • New Fund is calculated based on the net increase of day-end Total Deposit balance^ and the Total Deposit balance of the previous month’s last business day, deducted by the sum of principal amount which has been entitled to new fund Time Deposit offer within the calendar month. (^If that day is not a business day, the Total Deposit balance of the previous business day will be used)
  5. “Total Balance” includes deposits and investments balance of customer’s all sole name accounts and all joint-name accounts (in which the customer is the primary account holder), as well as the accumulated premiums paid for the life insurance plans distributed by the Bank. Deposits must be funds which are newly placed by a customer and not transferred from any account with the Bank (regardless of whether such account is held by the customer or not).
  6. “Total Balance Growth Amount” refers to the net increase when comparing a New-To-Bank Customer’s Total Balance of the designated date stated with the Total Balance on 30 June 2025 (HK$0). If the Total Balance between the designated dates are different, the Bank will use the lowest Total Balance amount as the standard.
  7. Enjoy HK$100 cash rebate upon designated FX transactions for every HK$10,000 (or its equivalent) via inMotion. Each customer can enjoy up to HK$1,000 cash rebate. Designated currency include USD, JPY, EUR, GBP. Transaction entitled with FX Time Deposit Offer is excluded. Please click HERE for details.
  8. Up to HK$1,600 Welcome Reward including up to HK$600 Auto Payroll Reward and HK$1,000 CNCBI Jewel World Mastercard® Card Welcome Offer. For details, please refer to the Promotional Terms and Conditions for PAYROLLplus Account.
  9. Customers should register Monopoly Deposit and meet the respective currency’s minimum Eligible Fund Amount requirement in the Registered Account on at least one business day during the Registration Period to entitle to the applicable Bonus Interest Rates.
  10. The service fee waiver starts from the quarter where customer become CITICfirst customer. Please refer to the promotion terms and conditions for the details of CITICfirst Wealth Management Service Fee Waiver. Please refer to related Promotional Terms and Conditions.
  11. The images of the Referral Steps are for your reference only.