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Deposit and Transaction Services

RMB Products & Solutions

Deposit Services & Transaction Services

Savings Account

  • Statement and/or passbook account* for your selection.

  • Simple interest1 is credited monthly (for statement savings) or semi-annually (for passbook savings).

  • Deposit and withdrawal of RMB at any of our branches during office hours.

  • 24-hour enquiry on the account balance, interest rate and exchange rate, and fund transfers via Phone Banking Services and Standard Chartered Online Banking2.

  • Minimum account opening balance only RMB1,000.

*Passbook account refers to RMB My Dream Account which is subject to availability.

Current Account³

  • Each Hong Kong Identity Card holder is eligible to open one RMB current account only.

  • RMB Cheques can be:

    • Used in Hong Kong for any payments and

    • Used for payments on consumer spending in Guangdong Province subject to the maximum amount of RMB 80,000 per day.

  • 24-hour enquiry on the account balance and fund transfers via Phone Banking and Standard Chartered Online2.

Time Deposit

  • A range of deposit tenors for your selection.

  • Minimum account opening balance as low as RMB 10,000.

Exchange Services

  • 2-way currency exchange between RMB and Hong Kong Dollars (HKD) in cash or by fund transfer between accounts* at any of our branches or via Mobile Banking, Phone Banking services and Standard Chartered Online Banking.

Dual Currency ATM Card

  • Combines RMB and HKD accounts in one card.

  • ATM withdrawal and purchases in Mainland China settled in RMB account, no need to spend extra on RMB foreign exchange; transactions everywhere else settled in HKD account.

  • Widely accepted on UnionPay, Jetco and EPS networks.

Cashier’s Order

  • An additional instrument place after Dual Currency Card to satisfy your local RMB payment needs.

Remittance Service⁴
Remittance Service enables you to transmit funds to your same name RMB account in Mainland China (subject to the maximum amount of RMB 80,000 per day) or any RMB account in Hong Kong.

Opening Account



RMB products FAQs

  • RMB Passbook Savings Account such as My Dream Account RMB Savings is offered during the promotion period, please stay tuned for our latest promotion.

  • No overdraft facilities are provided for RMB Current Account and no overdraft is allowed for the RMB Current Account.

  • The minimum account opening balance for RMB Current / Savings Account is CNY 1,000 and for Time Deposit Account is CNY 10,000.

  • According to the requirements of People’s Bank of China (PBoC), at present, only 1 RMB Current Account can be opened for each HK ID holder.

  • According to the requirements of the RMB Clearing House in HK, only crossed and order cheques are allowed for RMB Current Accounts.

  • Customer has to maintain a minimum balance of CNY200 in RMB Savings Account to earn interest.

Terms and Conditions