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Your friend can enjoy up to HK$3,300 Cash Reward3 when you1 successfully open a bank account with your friend’s unique referral code2 via inMotion and fulfill designated requirements. You can manage your daily spending, savings, investments and earn rewards on inMotion mobile app after successfully open a bank account through inMotion with your friend’s unique referral code2.

Foreign Exchange

  • Up to HK$1,000 cash rebates for designated FX transactions via inMotion4
  • Enjoy up to 4.8% p.a. for 1-month deposit rate upon completing designated foreign currency time deposit offer via inMotion5
  • CITICdiamond & CITICfirst customer can enjoy preferential pricing on FX transaction conducted via inMotion

PAYROLLplus

  • Up to HK$2,000 Welcome Reward6
  • Enter PAYROLLplus Bonus Lucky Draw to get a chance to win up to HK$60,0007

Learn More

Multi-Currency Debit Card

  • Apply brand new CNCBI Multi-Currency Debit Card now and register the lucky draw to win up to $500 in cash reward8
  • Gain unlimited 0.2% cash rebate on all eligible purchases9
  • Enjoy additional 0.2% cash rebate on all eligible purchase within promotional period10

Investment Products

  • Enjoy 4.80%p.a. extra coupon upon accumulated designated amount for Currency-Linked Deposit, capped at HK$20,00011
  • Register mission and fulfil designated requirement to enjoy HK$0 brokerage commission for unlimited BUY trades of Hong Kong and U.S. stocks as well as China A-shares12

Learn More

CITICfirst

  • Enjoy First 2-Quarter CITICfirst Wealth Management Service Fee Wavier13
  • Set up Time Deposit to enjoy preferential interest rate

Learn More

CITICdiamond

  • Enjoy up to First 2-Year CITICdiamond Wealth Management Service Fee Wavier14
  • Set up Time Deposit to enjoy preferential interest rate
  • 0.88% Subscription Fee Offer for Investment Fund via Online Channels (Internet Banking and inMotion)

Learn More

New customer can activate the unique referral codes via inMotion “Refer Friends” page upon successfully account opening to become a referrer!

Refer friends and share the rewards together!

 

 

 

Opening an Account via inMotion

 

  • 1Copy Referral Code
  • 2Search and download "inMotion by CNCBI” from Apple App Store/ Google Play Store/ HUAWEI AppGallery, then Tap “New Customer Account Opening”
  • 3Paste Referral Code
  • 4Remember to select all account types to enjoy the best offers

 

 

 

Using "Add Money" Function via inMotion

  • 1Log in to inMotion and tap “Add Money”
  • 2Choose and input the other bank account number and choose the CNCBI account you want to link with
  • 3Input one-time password
  • 4Input the amount

 

 

Important Note for Investment Products

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.
Besides the risk factors set out below, you should read and understand all the risk factors set out in the offering document(s) before entering into any transactions.

Risk Disclosure Statements for Securities Trading

(1) Investment involves risks. (2) 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. (3) 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. (4) 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. (5) 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. (6) 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 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 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.

Risk Disclosure Statements for Structured Deposit

The following risk disclosure statements cannot disclose all the risks involved.

(1) Not a time deposit – This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

(2) Principal protection at maturity ONLY – This product is principal protected ONLY IF this product is held to maturity. If this product is early terminated, you may suffer from a substantial loss due to the devaluation of the embedded derivative(s).

(3) Derivatives risk – This product is embedded with a currency swap with Spot Rate and Forward Rate as prescribed in the Product Term Sheet. Generally, when buying this product, you may be subject to market risk, credit risk, liquidity risk, legal risk and settlement risk.

(4) Credit risk of the Bank – This product is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.

(5) Maximum potential loss – This product is principal protected at Maturity ONLY. You may lose your entire deposit amount if the Bank defaults in performing its obligations or there has been a tremendous devaluation of the Settlement Currency you receive at maturity.

(6) Limited potential gain – The maximum potential gain is limited to the interest payment to be determined by reference to the Interest Rate.

(7) No secondary market – This product is not a listed security. There is no secondary market for you to sell this product prior to its maturity.

(8) Not the same as buying the Underlying currency – Investing in this product is not the same as buying the Linked Currency directly. Changes in the market price of the Linked Currency may not lead to corresponding changes to the market value and/or the performance of this product.

(9) Liquidity risk – This product is designed to be held till maturity. You do not have a right to request early termination of this product before maturity.

(10) Currency risk – If the Settlement Currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations.

(11) Risks relating to Renminbi – Where the Settlement Currency is in Renminbi, you should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statements for Currency Linked Deposit ("CLD")

(1) CLD is NOT equivalent to time deposit. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) Investing in CLD is not the same as buying the Linked Currency directly. During the Deposit Period, you have no rights in the Linked Currency, and movements in the exchange rate of the Linked Currency may not lead to any corresponding change in your return on CLD. (3) CLD involves risks, including but not limited to derivatives risk, market risk, liquidity risk, credit risk of the Bank, currency risk, risks relating to Renminbi and risks of early termination by the Bank. (4) The maximum potential gain is limited. (5) CLD is NOT principal protected and you could lose all of your deposit amount. (6) Currency-Linked Deposit is not covered by the Hong Kong Investor Compensation Fund.

Investment involves risks.
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$3,300 Cash Reward for same eligible Referee, including HK$100 FX Transaction Reward, HK$100 PAYROLLplus Reward, HK$100 Multi-Currency Debit Card Reward, HK$500 Designated Investment Product Balance Growth Reward and up to HK$2,500 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. “Up to HK$1,000 Cash Rebates for Designated FX Transactions” is a personalized mission in inMotion’s “Rewards Go!”, thus, each selected customer might receive different personal trade targets and cash rebates. Cash rebates of up to HK$1,000 are only applicable to selected customers who did not trade FX via inMotion during 1 February – 31 October 2025, and are subject to quota limitation and on a first-come, first-served basis. Other customers are also eligible for personalized cash rebates. Terms and Conditions Apply. Please click HERE for details
  5. Designated Currencies include CNY, USD, AUD, GBP, EUR and JPY .The exchange rates may fluctuate at any time. The final exchange rate will be determined at the time the transaction is actually effected by the Bank. Please click HERE for details.
  6. Up to HK$2,000 Welcome Reward including up to HK$1,000 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.
  7. Each customer is entitled to receive the Prize during the Promotion Period once only.
  8. Please refer to Limited offer of Multi-Currency Debit Card Lucky Draw Terms and Conditions for details.
  9. Please refer to Multi-Currency Debit Card Cash Rebate Rewards Program Terms and Conditions for details.
  10. Please refer to Multi-Currency Debit Card Additional Cash Rebate Rewards Program Terms and Conditions for details.
  11. Promotion period is valid from 1 October 2025 to 31 December 2025. Offer is applicable to CITICdiamond and CITICfirst customers who have not subscribed any Designated Structured Products with the Bank during 1 October 2024 to 30 September 2025. Subscribe via inMotion and minimum transaction amount is HK$500,000 for Currency-Linked Deposit, can be accumulated. Please refer to related Promotional Terms and Conditions.
  12. The Offer is valid from 1 July 2025 to 31 December 2025 (Hong Kong Time), both dates inclusive. This Offer is only applicable to customers who meet ALL the requirements below during above promotion period (the “Eligible Customer”): (a) Received the “Lifetime Stock Purchase Fee Waiver” mission (the “Mission”) via “Rewards Go!” on inMotion, and (b) Maintained a valid One Account whether in sole name or joint account. Eligible Customer can enjoy lifetime $0 brokerage commission for securities purchases of Hong Kong Stocks, U.S. Stocks and China A-shares executed via inVest and inMotion (the “Purchases Fee Waiver”) if the below requirements are fulfilled: (a) login to inMotion, click “Rewards Go!”, find above mission and click “Register Now” button to register for the Mission during the Promotion Period, (b) Starting from the registration month, the Purchases Fee Waiver will continue if Eligible Customer maintains at least HKD100,000 at each calendar month end in sum of his/her existing personal HKD current/savings/One Account Deposit accounts except time deposits (the “Eligible HKD Accounts”) thereafter. If Eligible Customer does not maintain at least HKD100,000 at any calendar month end in sum of Eligible HKD Accounts, the Purchases Fee Waiver will be temporarily suspended in the following calendar month. Eligible Customer is required to maintain at least HKD100,000 at the month end again in sum of Eligible HKD Accounts to resume the Purchases Fee Waiver for next calendar month, (c) If Eligible Customer does not maintain at least HKD100,000 at month end in sum of Eligible HKD Accounts for 3 consecutive months, the Purchases Fee Waiver will be terminated starting from the following month and cannot be resumed.
  13. 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.
  14. Please refer to the promotion terms and conditions for the details of CITICdiamond Wealth Management Service Fee Waiver.
  15. The above promotion is not applicable to staff of the Bank or staff of the companies under CITIC Group Corporation Limited.
  16. The images of the Steps are for your reference only.

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.

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若閣下日後不欲收取本行發出的任何宣傳或推廣資料，閣下可隨時致電（852）2287 6767或於 wwwcncbinternationalcom/contact-us/tc/ 提出有關要求，並毋須繳付任何費用。如經網上提出有關要求，本行職員將致電閣下確認以作安排。
If you do not wish to receive any marketing or promotional materials from the Bank in the future, you may at any time make the request without charge by calling (852) 2287 6767 or using the form at wwwcncbinternationalcom/contact-us/en/ The Bank’s staff will call you to confirm the arrangement if you submit such request online.