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RMB products and solutions

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.
Cross-Border Account Opening Document Witnessing and Verification Service*
  • Standard Chartered Bank (Hong Kong) Limited provides signature witnessing and document verification services for account-opening documents of Standard Chartered Bank (China) Limited#.
  • This service is provided to all Priority Banking customers and is available in all Standard Chartered Bank (Hong Kong) Limited’s Hong Kong Branches.

*Standard Chartered Bank (Hong Kong) Limited only provides customers with signature witnessing and document verification services for account-opening documents of Standard Chartered Bank (China) Limited. This service does not constitute, and should not be construed as constituting, an invitation to members of the public in Hong Kong to (i) make any deposit or (ii) enter into, or offer to enter into, any agreement to make any deposit. Standard Chartered Bank (Hong Kong) Limited is not an agent of Standard Chartered Bank (China) Limited and each application for account opening is subjected to approval by Standard Chartered Bank (China) Limited.

# Standard Chartered Bank (China) Limited is incorporated in Mainland China and is not an authorized institution within the meaning of the Banking Ordinance of Hong Kong nor carrying on banking business in Hong Kong. Any deposit in Standard Chartered Bank (China) Limited will not be protected by the Hong Kong Deposit Protection Scheme.

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. Same-day remittance service* is available in all branches for outward telegraphic transfer to beneficiary accounts with Standard Chartered Bank (China) Limited or Standard Chartered Bank (Taiwan) Limited.
  • The submission cut-off time for Same-day remittance service for the branch listed below is at 2:00pm (Monday to Friday, excluding public holidays), while the branches not in the list below are subject to a submission cut-off time of 11:00am (Monday to Friday, excluding public holidays).

Opening Account

EXISTING CUSTOMER

NEW CUSTOMER

Remittance Service

Branches with Same-Day Remittance Service

Submission Cut-Off Time at 2:00pm
(Mon. to Fri., excluding public holidays)

Hong Kong Island
Kowloon
New Territories
Quarry Bay Branch
Shop G6, G/F & Shop LG1, LG/F Westlands Gardens, 1027 King’s Road, Quarry Bay, Hong Kong
Telephone:25632151
Cityplaza Branch
Shops 42-43, G/F, Cityplaza Phase II, 18 Taikoo Shing Road, Taikoo Shing, Hong Kong
Telephone:25681153
International Banking Centre
1/F, Golden Crown Court, 66-70 Nathan Road, Tsim Sha Tsui, Kowloon
Telephone:39283657
Shatin New Town Plaza Priority Banking Centre
Shop No. 222 & 223, 2/F, New Town Plaza Phase 1, Shatin, New Territories
Telephone:26984223
Admiralty Branch
Shop C, UG/F, Far East Finance Centre, 16 Harcourt Road, Admiralty, Hong Kong
Telephone:25275619
Des Voeux Road Branch
Shop G1, G/F & 1/F, Standard Chartered Bank Building, 4-4A Des Voeux Road Central, Central, Hong Kong
Telephone:28682154
Canton Road Branch
G/F & 1/F, Manley House, 86-98 Canton Road, Tsim Sha Tsui, Kowloon
Telephone:27309616
Shatin Plaza Branch
Shops 8, 13-16A, Level 1, Shatin Plaza, 21-27 Shatin Centre Street, Shatin, New Territories
Telephone:26810982
Exchange Square Branch
The Forum, Exchange Square, 8 Connaught Place, Central, Hong Kong
Telephone:29158380
Queen’s Road East Branch
G/F & 1/F, Pak Fook Building, 208-212 Queen’s Road East, Wanchai, Hong Kong
Telephone:28937131
Telford Gardens Branch
Shops P9-12, Telford Plaza Podium, Telford Gardens, Kowloon Bay, Kowloon
Telephone:27505015
Metroplaza Branch
Shop 473B, Level 4, Metroplaza, 223 Hing Fong Road, Kwai Fong, New Territories
Telephone:24189123
Causeway Bay Branch
G/F to 2/F, Yee Wah Mansion, 38-40A Yee Wo Street, Causeway Bay, Hong Kong
Telephone:25761226
Shek Tong Tsui Branch
Shops 8-12, G/F, Dragonfair Garden, 455-485 Queen’s Road West, Shek Tong Tsui, Hong Kong
Telephone:25172122
Cheung Sha Wan Branch
G/F, 828 Cheung Sha Wan Road, Cheung Sha Wan, Kowloon
Telephone:27444116
Sheung Shui Centre Branch
Shops 1021-1023, Level 1, Sheung Shui Centre, 3 Chi Cheong Road, Sheung Shui, New Territories
Telephone:26397670
Aberdeen Branch
Shop 4A, G/F and Shop 1, 1/F, Site 5 Aberdeen Centre, 6-12 Nam Ning Street, Aberdeen, Hong Kong
Telephone:28140845
188 Des Voeux Road Branch
Shop No. 7 on G/F, whole of 1/F – 3/F Golden Centre, 188 Des Voeux Road Central, Hong Kong
Telephone:25457169
Tsim Sha Tsui East Branch
Shop 1D, G/F & Shop 100 1/F, New Mandarin Plaza, 14 Science Museum Road, Tsim Sha Tsui East, Kowloon
Telephone:23113137
Tai Po Branch
Shops 1 & 2, G/F & 1/F, 21-25 Kwong Fuk Road, Tai Po Market, New Territories
Telephone:26565186
Times Square Priority Banking Centre 
Whole of Third Floor & Sixth Floor, No. 8 Russell Street, Causeway Bay, Hong Kong
Telephone:28810393
Central Branch
G/F, 1/F, 2/F and 27/F, Two Chinachem Central, 26 Des Voeux Road Central, Hong Kong
Telephone:28778638
Tsim Sha Tsui Branch
Shop G30 & B117-23, G/F, Mira Place One, 132 Nathan Road, Tsim Sha Tsui, Kowloon, Hong Kong
Telephone:27218596
Wanchai Southorn Branch
Shop C2, G/F & 1/F to 2/F, Lee Wing Building, 156-162 Hennessy Road, Wanchai, Hong Kong
Telephone:25276626
Wan Chai Great Eagle Branch
Shops 113-120, 1/F, Great Eagle Centre, 23 Harbour Road, Wanchai, Hong Kong
Telephone:28276009
Elements Priority Banking Centre
Shops 2030-2031, 2/F, Elements, 1 Austin Road West, Tsim Sha Tsui
Telephone:23758293
North Point Centre Branch
Shop G2, G/F, North Point Centre, 278-288 King’s Road, North Point, Hong Kong
Telephone:25718210
Hennessy Road Branch
Shop B, Basement & G/F, Eastern Commercial Centre, 393-407 Hennessy Road, Wanchai, Hong Kong
Telephone:25729206
Mongkok Branch
Shop B, G/F, 1/F & 2/F, 617-623 Nathan Road, Mongkok, Kowloon
Telephone:27822322
68 Nathan Road Branch
Basement, Shop B1 on G/F and M/F, Golden Crown Court, 66-70 Nathan Road, Tsim Sha Tsui, Kowloon
Telephone:27390777
Prince Edward Road Branch
G/F & 1/F, Bijou Apartments, 157 Prince Edward Road West, Prince Edward, Kowloon
Telephone:23802308
*Note
  • Customers are recommended to visit branches 1 hour before cut-off time for applying same-day remittance service to ensure the funds will be credited to the beneficiary account(s) on the same day.
  • Same-day remittance service is applicable to currency in HKD / CNY / USD / EUR.

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RMB products FAQs

RMB Products and Solutions

Investment Services

RMB FX Trading

RMB FX trading may help you to capture the potential capital appreciation from foreign currencies fluctuation and diversify portfolio risk.

RMB Premium Deposit

RMB Premium Deposit can provide a potentially higher interest income and the opportunity to buy/sell RMB at the customer’s pre-agreed strike price.

Structured Investment Series

Investment return is linked to currency or interest rate performance, offering several investment tenures with capital protection upon maturity.

Investment Funds

RMB funds include RQFII funds, offshore RMB bond funds and funds denominated in RMB but the underlying investment is not invested into Chinese related asset.

Bonds

RMB bonds include PRC Government bonds and corporate bonds.

Securities Services

Dedicated Securities Hotline for Shanghai – Hong Kong Stock Connect Northbound Trading Service and also trading RMB-denominated instruments listed on the Stock Exchange of Hong Kong Limited.

Life Insurance Plans6

RMB Life Insurance Plans offered on tranche basis from time to time with different tenures.

Terms and Conditions

Risk Disclosure Statement

  • Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including Hong Kong dollars); and
  • RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.
  • Risk Disclosure Statement for Premium Deposit: Principal Loss Risk / Currency Risk – This product is not principal-protected and the return of which will be dependent on movements in some specified currency exchange rates which are affected by a wide range of factors and may rise or fall rapidly.  Liquidity Risk / Early Withdrawal Risk / Cancellation Risk – Any cancellation or withdrawal prior to maturity is subject to the consent of the Bank. With these risks, investors may incur significant costs or losses. Risks relating to 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 a freely convertible currency. Any conversion of Renminbi through banks in Hong Kong may be subject to certain restrictions prevailing at the relevant time.
  • Risk Disclosure Statement (applicable to all investment products): Investment involves risks. The price of investment product may experience upward or downward movements, sometimes fluctuate. The worst case will result in loss of your entire investment. This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.
  • Risk Disclosure Statement for Structured Investment Series: Structured Investment Series carry risks not normally associated with ordinary bank deposits and are generally not the same as and not a suitable substitute for ordinary savings or time deposits. Investor should not invest in Structured Investment Series unless he/she has sufficient funds or liquidity so as to enable him/her to keep the investment until the maturity date. The principal amount of the investment under Structured Investment Series is protected only if held to the agreed maturity date without being cancelled or withdrawn by the investor. Any such cancellation or withdrawal prior to the maturity date is subject to the consent of the Bank, and may incur costs or losses to the investor which may even result in a negative rate of return. Where investor holds the investment until the maturity date, the interest or yield on the investment may also be affected by movements in the relevant reference value of the underlying asset. The total return on the investment may be zero or significantly less than the return which might be obtained on a normal time deposit in the event of an adverse movement in the relevant reference value of the underlying asset. This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit, and is NOT being protected under the Deposit Protection Scheme in Hong Kong.
  • Risk Disclosure Statement for Debt Securities Services: Bond investments are not bank deposits and are not protected under any deposit protection scheme or by any government or regulatory authority. Bond investments involve risks, including the risk of the possible loss of your principal amount invested and any coupon payable. Credit Risk & Risk of Default by the Issuer/Guarantor – Investor assume the full credit risk of the issuer and the guarantor (where applicable). Should the issuer and/or the guarantor become insolvent or default on its/their obligations (including payment obligations) or fail in any other way, investor may not receive any repayment of your principal amount or any other payments due to you under the terms of the Bond. Currency Risk – Where the bond is denominated in a non-local currency, including the Renminbi (the “RMB”), investor face the risk of exchange rate fluctuations and controls (where applicable) that may (i) affect the applicable exchange rate and result in the receipt of reduced coupon(s), cash settlement amounts and/or a loss of principal when converted back into your local currency and (ii) make it impossible or impracticable for the issuer to pay you in the original settlement currency. Liquidity Risk – There is no guarantee that a liquid secondary market will exist for the bonds.
  • Risk Disclosure Statement for Investment Fund Services: RQFII funds are Renminbi denominated product which involve exchange rate and exchange control risks. In addition, they also include risks from uncertainty in RQFII policy and concentration on single market, and risks related to fixed-income investments such as issuer credit, interest rate, liquidity, invest in unrated and/or below investment grade fixed income and the standard of credit ratings assigned by credit rating agencies is not the same etc. Past performance is not an indication of future performance. Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.
  • Risk Disclosure Statement for Insurance: Whether to apply insurance coverage is your own individual decision. For plan policy provision, details and risk disclosure, please refer to relevant plan’s product leaflet/product brochure and specimen policy.