ICBC (Asia) | “e-Age Banking” Account
“e-Age Banking” Account
“e-Age Banking” offers a simple one-stop solution for all your financial needs, enabling you effortlessly manage your finances easily anytime and anywhere. We provide a range of exclusive services and privileges designed to empower you in effectively managing your finances and achieving your goals.
Simple integrated account services
“e-Age Banking” Account combines savings, current, time deposits and investments into a single platform, providing a consolidated statement that offers a comprehensive view of your personal financial situation. It allows you manage your daily financial needs with ease with the following services:
- HKD/RMB/foreign currencies savings
- HKD/RMB/USD current deposits
- Time deposits
- Investments
Convenient and versatile management channels
- No matter where you are, our Internet Banking and Phone Banking can provide you with round-the-clock services, including:
- Application for various general banking services, e.g. set up time deposits, foreign currencies trading, fund transfer, purchase of Cashier's Order or Demand Draft, etc.
- Bill payment
- Enquiry for account status, interest rate, exchange rate, etc.
- With our complimentary “Roaming Service”, ICBC (Asia) customers can manage account with ICBC (Asia) and ICBC with ease, no matter you are in Hong Kong or the Chinese mainland.
- For assistance in the Chinese mainland, dial 95588 and then press 8
- For assistance in Hong Kong, dial 218 95588 and then press 8
- Benefit from extensive ATMs coverage of the Bank and JETCO, ensuring convenient access to 24-hour ATM services using your ICBC debit card. Enjoy the added advantage of fee-free cash withdrawals at ICBC ATM machine in the Chinese mainland.
Exclusive service privileges
- Fund Sweeping Services – Based on the pre-set criteria of fund sweeping, we will execute your instructions once the criteria are met to save your time.
- Automatic Sweeping Services – If your HKD or USD Current Account is overdrawn or the line of credit is exceeded, we will automatically transfer the required funds^ from the HKD/ USD Savings Account under the same integrated account to the Current Account on the next business day. The daily maximum amount for automatic sweeping services is set at HK$10,000 or US$1,000.
- No-Bounce Cheque / Auto-pay Protection – If you maintain daily average total liquid assets (TLA) of HK$100,000 or above for the last 3 months, you will enjoy an overdraft protection of up to HK$5,000 to prevent bounced cheque and bounced auto-pay transaction.
An array of fabulous offers*
| Investment transaction or other general banking services through automated channels | |
| Securities | Securities subscription fee: 0.1% securities commission rate for transaction amount equal to HK$1 million or above; 0.138% securities commission rate for transaction amount below HK$1 million (minimum fee is only HK$88) |
| 400 complimentary real time quotes per month | |
| Lump-sum or monthly savings plan for unit trusts | Subscription fee as low as 1% |
| Issuance of demand draft | Exclusive handling fee of HK$64 per transaction |
| General Banking Services | |
| HKD savings | HKD Saving Account will be entitled to a bonus rate of 0.01% p.a. if account balance reaches HK$100,000 or above |
^Relevant interest applies.
*Enjoy the following fabulous offers for “e-Age Banking” Account by maintaining daily average TLA+ of HK$100,000 or above for the last 3 months. The offers are subject to the Terms and Conditions below.
+TLA refers to the total of your deposits and the market value of investments in all your single and joint names(s) accounts at our Bank.
The offers are subject to the Terms and Conditions
General Terms and Conditions:
ICBC (Asia) reserves the right to vary the offers and/or these Terms and Conditions, or to cancel the offers at its absolute discretion at any time without prior notice.
ICBC (Asia) reserves the right to vary the offers and/or these Terms and Conditions, or to cancel the offers at its absolute discretion.
In case of dispute, the decision of ICBC (Asia) shall be final and conclusive.
In case of discrepancy between the English and Chinese versions, the English version shall apply and prevail.
Any person or entity that is not a party to these Terms and Condition shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any part of these Terms and Conditions.
Deposits in Current Account and Savings Account and Time Deposits NOT exceeding a term of five years of “Elite Club Account” / “e-Age Banking” Account / “Integrated Account” are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.
Risk Disclosure:
RMB Products
The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese Renminbi received into other freely convertible currencies.
Securities and Funds
Investment in securities and funds involves risk and the prices may move up or down and may become valueless. It is as likely that loss will be incurred rather than profit made as result of buying and selling securities and funds. When invest in investment funds denominated in non-local currencies, please be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Past performance of any investment fund is no guide to its future performance. Investors should understand that subscription of non-local registered funds, its administrative and benefits may not be subject to local jurisdiction and you should bear the respective risks.
Important Notice
The above risk disclosure statements cannot disclose all the risks involved. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before trading or investment. This website does not constitute and offer for the purchase or sales of any investment products. The above information is issued by Industrial and Commercial Bank of China (Asia) Limited. The contents of this website have not been reviewed by the Securities and Futures Commission of Hong Kong.
Disclosure for Financial Dispute Resolution Scheme
In respect an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with customer, however, any dispute over the contractual terms of the product should be resolved between directly the third party service provider and the customer.
