Wise Gold Account - ICBC (Asia)
ICBC (Asia) “Wise Gold” Account provides you with all-rounded personalized wealth management service. Dedicated Relationship Manager will handle your bespoke wealth management plan in line with the all-in-one account management, exclusive privileges and deliver an extraordinary experience to you.
ICBC (Asia) “Wise Gold” Account provides you with all-rounded personalized wealth management service. Dedicated Relationship Manager will handle your bespoke wealth management plan in line with the all-in-one account management, exclusive privileges and deliver an extraordinary experience to you.
Priority Services
“Wise Gold” customers can enjoy exclusive VIP financial services tailored to showcase your superior status, including:
- Dedicated Wealth Management Centres
Our Wealth Management Centres dedicated to “Wise Gold” customers, offer a high level of privacy and comfortable space for managing your banking services with ease. - Dedicated Service Counters
Visit our designated branches and experience priority banking services at our dedicated service counters for “Wise Gold” customers. - Dedicated Service Hotline
Our 24-hour service hotline 2769 5588 is available anytime, anywhere, for Wise Gold customer’s convenience. - Dedicated Relationship Manager
Your dedicated Relationship Manager will handle all your financial needs, from savings to bespoke investment and insurance arrangements. They will work closely with you to address your services requirements and help you make appointments for other financial services.
One-stop Account Management
The integrated “Wise Gold” account is tailor-made to handle all your banking needs, eliminating the need for multiple accounts. It includes HKD savings, HKD current, multi-currency savings, time deposits, USD current, RMB current and savings and investment account. In addition, you will also have access to cheque book, debit card and a monthly consolidated statement, enabling you to easily and clearly manage all your banking services in one place.
Superior Pre-set Services
Enjoy a range of exclusive pre-set services that eliminate unnecessary procedures and fees, including:
- Fund Sweeping Services
Set specific criteria such as exchange rates, balance and transaction frequency for trading of specified currencies or fund transfer between accounts of specified currencies. Once the criteria are met, we will execute your instructions promptly and efficiently. - Automatic Sweeping Services*
Rest easy knowing that if your HKD or USD current account becomes overdrawn or exceeds your credit limit, we’ve got you covered. Our automatic fund transfer service will seamlessly transfer funds from your HKD or USD savings account, under the same integrated account, to your current account** by the next business day. - No-Bounce Cheque/Auto-Pay Protection*
Enjoy peace of mind with our overdraft protection of up to HK$20,000 in case the available balance of your HKD current account is insufficient to meet your drawing. To be eligible, your daily average total liquid assets of the last 3 months must be equal to HK$200,000 or above. This protection applies to cheque payments and autopay transactions, ensuring smooth and hassle-free banking. - Auto Standby Line
Experience greater financial flexibility with our Auto Standby Line service. Opt in to enjoy standby overdraft facilities of up to HK$5,000,000, based on your fixed deposit amount, and benefit from our automatic selection of the lowest standby overdraft interest rate. You can also set your maximum standby limit according to your financial needs, giving you greater control and peace of mind.
Preferential Rates and Service Fees#
We offer you a wide range of superior rewards to help you on reducing the cost of transaction, staying ahead of the curve and maximize your returns, including fee waivers to help you on reducing the cost of transaction and preferential interest rates. These rewards include:
- Preferential interest rates on HK Dollar savings and fixed deposit:
“Wise Gold” customers can enjoy below preferential interest rates on HK Dollar savings
Account Balance Preferential Interest Rate (p.a.) HK$8,000,000 or above Prevailing Savings Interest Rate + 0.155% HK$3,000,000 to less than HK$8,000,000 0.105% HK$800,000 to less than HK$3,000,000 0.070% HK$100,000 to less than HK$800,000 0.020% - Privileged fees for investment services including Securities and Investment Funds
- Annual fee waiver for debit card and designated credit card
- Waiver and discounts on counter service fees
- Privileges on Renminbi and Mainland-related services
Premier Cross-Border Banking Services
Being the Industrial and Commercial Bank of China (“ICBC”)’s flagship in the overseas business, ICBC (Asia)’s wide range of personal financial cross-border services provide one-stop account opening, loan, payment, wealth management and priority services.
- Extensive Network and Dedicated Experts
ICBC offers a wide range sophisticated financial services to individual customers in the Greater Bay Area, with over 1,200 service points and a team of over 30,000 dedicated specialists. At every service point, Cross-border ambassadors are stationed to provide a professional financial services. To ensure convenient access, we have established core branches in areas frequently visited by cross-border customers, such as Queen's Road Central and the China Hong Kong City. - Range of diversified personal financial products and services in the GBA
ICBC (Asia) provides a diversified range of personal financial products and services in the GBA, including “Greater Bay Area Account Opening”, “Cross-boundary Wealth Management Connect”, “Greater Bay Area Premier Banking Services”, “Greater Bay Area Mortgage Loan”, “ICBC Greater Bay Area Credit Cards”, “ICBC Greater Bay Area Debit Card” and “Outward Remittance Service for Payroll” etc, to enable high quality living and meet customers’ need in wealth management, property buying, consumption, remittance in the GBA. - “Greater Bay Area Account Opening” Attestation Service
Through “Greater Bay Area Account Opening” attestation service at ICBC (Asia)’s designated branches, you can open a Chinese mainland bank account – the Industrial and Commercial Bank of China (“ICBC”) type II or type III account. You can link the Chinese mainland account with the Chinese mainland mainstream electronic wallets for your everyday expenses, shopping, transportation, bill payments and more, ensuring smooth and hassle-free transactions during your leisure travel or business trip in the Chinese mainland. - Mobile Banking “e-Account Express”
A digital banking service that provides centralized management of ICBC accounts. You can add your same-name mainland ICBC debit card, credit card and current account via ICBC (Asia) mobile banking app to enjoy account enquiry and registered account transfer service etc, supporting you to manage ICBC account at your fingertips with one app any where.
ICBC Wise Gold World Mastercard Credit Card
ICBC Wise Gold World Mastercard Credit Card is exclusive for “Wise Gold” Account customers. Customers who successfully apply this credit card can enjoy 2% unlimited cash rebate and a wide range of privileges^.
- Spending Reward 2% Unlimited Cash Rebate^^
2% cash rebate (equivalent to 4X bonus point) for local and overseas spending. - Designated Airport / High Speed Rail Lounge Services around the world provided by DragonPass^^^
Cardholders can enjoy Designated Airport / High Speed Rail Lounge Services around the world provided by DragonPass. The service scope covers over 140 countries and regions, including the Chinese mainland, Hong Kong, Macau and western countries.- Cardholder can enjoy unlimited designated airport and high speed rail lounge services.
- Companion of the cardholder can use the lounge at the designated airport up to 10 times or use the high speed rail lounge 20 times for free throughout the year.
Customers can access the relevant information for airport or high speed rail lounge service via website of DragonPass or APP, including service network for the lounge, location direction etc.
Personalised Investment Services
We are dedicated to assist you on grasping the opportunities in this ever changing era in order to achieve your different financial goals. You can experience personalised financial advisory service with our team of investment professionals. They will provide you with professional and personalised financial services, helping you to choose wisely from our comprehensive range of investment products.
- Regular Review of Investment Portfolio
Your Relationship Manager will review your investment portfolio on a regular basis and provide you with the latest market and product information, equipping you with valuable insights and growth opportunities. - Diversified Investment Solutions
We offer a wide range of investment products including securities, equity-linked product, currency-linked contract, bonds, funds, etc., to help you achieve your financial goals.
Enjoy Exclusive Lifestyle Privileges
We will consistently source a series of lifestyle privileges and organizing exclusive customer event for “Wise Gold” customers, for example wealth management seminar, etc, to enrich your life along the journey of achieving the financial goals.

Join Now and Enjoy the Prestige Services!
Join “Wise Gold” now to experience our superior wealth management services. The Monthly service fee (“service fee”)++ is waived for “Wise Gold” customers who can also enjoy all-rounded banking services and different wealth management product privileges if customers maintain daily average total liquid assets+ of HK$3,000,000 or above.
New “Wise Gold” Account customer can enjoy service fee waiver from now until 31 December 2026.
For any enquiry, please welcome to contact customer hotline (852) 2189 5588 or visit any branch of ICBC (Asia).
Reminders:
To borrow or not to borrow? Borrow only if you can repay!
Protect your Personal Digital Keys; Beware of Fraudulent Links!
Don’t lend or sell your account. Don’t risk your future for quick money.
Investment involves risk; The above offers are subject to Terms and Conditions.
*Relevant interest applies.
**Daily maximum amount of automatic fund transfer is HK$10,000 or US$1,000.
#The privileges are subject to the Terms and Conditions. For more details, please refer to the service charges of the Bank.
^Principal card applicant of ICBC Wise Gold World Mastercard Credit Card must be Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) “Wise Gold”. ICBC Wise Gold World Mastercard Credit Card is offered to ICBC (Asia) “Wise Gold” customers only. In case of cancellation of the ICBC (Asia) “Wise Gold” account, ICBC Wise Gold World Mastercard Credit Card will become invalid, and those exclusive offers that can be enjoyed through the card(s) will also be no longer available.
^^The privileges are subject to the Terms and Conditions.
^^^The privileges and services are provided by DragonPass, and are subject to its relevant terms and conditions. For the promotion details, please visit the website of DragonPass (link to registration page: https://institution.dragonpass.com.cn/icbc-intl/index) or APP. ICBC (Asia) is not the provider of this service and will not be responsible for any related liabilities and obligations.
+Average Total Liquid Assets refers to the total of your deposits and the market value of investments in all your single and joint name(s) accounts at our Bank. For details, please contact our staff.
++Monthly service fee will be automatically deducted from your designated settlement account. The Bank reserves the right to terminate your “Wise Gold” banking services if monthly service fee cannot be deducted from the designated settlement account. For more details on the service fee of “Wise Gold”, please refer to the Service Charges of the Bank.
General Terms and Conditions:
All of the above services and offers are subject to the relevant terms and conditions as determined by Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)” or “the Bank”). For any enquiry, please visit the Bank website or call our customer service hotline at 2189 5588.
Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)” or “the Bank”) reserves the right to vary and/or terminate the Promotion at any time and to amend these Terms and Conditions from time to time.
Unless otherwise specified, regarding the offers of ICBC Wise Gold World Mastercard Credit Card, customers must fulfill the spending with ICBC Wise Gold World Mastercard Credit Card in order to enjoy the offers. The Eligible Credit Card account of the cardholders must be still valid when enjoying the offers.
The Bank is not the supplier of the products or food or dining or services, and has no liability for any matters related to any such products or food or dining or services. The respective supplier must be fully liable for any such products or food or dining or services provided. The use of the products or food or dining or services shall be subject to the relevant terms and conditions set by the supplier.
The Bank or the supplier reserve the right to vary and/or amend the Terms and Conditions from time to time.
In case of dispute, the decision of the Bank shall be final and conclusive.
In case of any discrepancy between the English and Chinese versions of the Terms and Conditions, the Chinese version shall apply and prevail.
Any person or entity that is not a party to these Terms and Conditions shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, Laws of Hong Kong) to enforce any part of these Terms and Conditions.
For the details of Fee Schedule, Credit Card Agreement and the relevant Terms and Conditions, please scan below QR code and visit the Bank website. Please refer to 1.Fee Schedule (General HKD Credit Card), 2.Cardholder Agreement (General HKD Credit Card), 3.Reminder on Credit Card Usage. If you would like to get the hard copies of the relevant information, please call the 24-hour customer hotline of the Bank 2189 5588 or visit any branch of the Bank.
Risk Disclosures:
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.
Investment Funds: Investment in investment funds involves risks. The prices of an investment fund may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment funds. When investment 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 is no guide to its future performance. The Bank distributes the fund product for the fund houses and the fund product is a product of fund houses but not that of the Bank.
Securities: The prices of securities products fluctuate. The prices of securities may move up or down, sometimes dramatically, and may become valueless. It is as likely that loss will be incurred rather than profit made as result of buying and selling investment.
Currency-Linked Contract: Currency-Linked Contract is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The returns on currency-linked contract are limited to the predetermined interest amount and will depend on the market condition prevailing on the determination date. Investment in the currency-linked contract involves the risk of exchange rate fluctuation of the linked currency, leading to the possible loss of some or all of the principal and interest amount. This is a structured investment product involving derivatives. The investment decision is yours but you should not invest in this 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.
Structured Deposit: Structured Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The returns on Structured Deposit are limited to the predetermined interest amount and will depend on the market conditions prevailing on the determination date. Your investment in Structured Deposit denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. The Structured Deposit is issued by the Bank. If the Bank becomes bankrupt or default, depositor may lose part or the whole of his/her investment amount.
Equity Linked Note and Equity Linked Investment: Equity Linked Contract and Equity Linked Investment are not a protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong. Investment in equity linked product involves substantial risks including market risk, liquidity risk, and the risk that the issuer(s) who will be unable to satisfy its obligations under the equity linked product. Investors should read the relevant offering documents to ensure that they understand the nature of all of these risks before making a decision to invest in equity linked product. The Products are structured products involving derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary has explained to you that the Product(s) is / are suitable for you having regard to your financial situation, investment experience and investment objectives. The Bank distributes the products of Equity Linked Contract and Equity Linked Investment and the related products are the products of the issuer of the Equity Linked Contract and Equity Linked Investment but not that of the Bank.
Currency conversion: The value of your foreign currency will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to foreign currency, you may suffer loss in principal.
Bonds: Bonds are mainly for medium to long term investment and you should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds prior to maturity. You should bear the credit risk of the issuer. The price of bonds may fluctuate and the factors affecting market price of bonds include, but not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. ICBC (Asia) does not guarantee the existence of secondary market. Bond is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The Bank distributes the bond product for the bond issuer and the related product is a product of bond issuer but not that of the Bank.
Insurance Plans: Insurance product is provided by the insurance company. ICBC (Asia) is acting as an insurance agent for the insurance company and is not responsible for any liability under the policies underwritten by the insurance company. The Bank distributes the products of the insurance company and the related products are the products of the insurance company but not that of ICBC (Asia) .
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 any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited and the contents have not been reviewed by Securities and Futures Commission.
Disclosure for Financial Dispute Resolution Scheme: In respect of 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 the customer.
"ICBC (Asia)" or "The Bank" is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.