Personal Account



Individual/Joint Account


• Completed Account Opening Form

• Account Mandate (Personal/Joint)

• 2 Sets of specimen signature cards

• Authority and indemnity in respect of telephone, telex, fax and email instruction (optional)

• General terms and conditions

• ID/Passport Copy

• Reference Letter

• Initial Deposit

• Proof of billing address

• Information related to Foreign Account Tax Compliance Act (FATCA) Documents

• Common Reporting Standard Self-Certification Forms
















View Forms







  HKD Savings HKD Current USD Savings USD Current
Initial Deposit 2,000.00 2,000.00 200.00 200.00
Required ADB 2,000.00 2,000.00 200.00 200.00
Minimum ADB to Earn Interest 5,000.00   500.00  
Fee below ADB 50.00 50.00 5.00 5.00
Documentation Passbook Checkbook Passbook Checkbook
Interest Feature Savings Rate - Savings Rate -

* Minimum of HKD 1,000.00 for HKD Time Deposit
* Minimum of USD 1,000.00 for USD Time Deposit

*Minimum of EUR 10,000.00 for EUR Time Deposit

*Minimum of AUD 10,000.00 for AUD Time Deposit

*Minimum of JPY 10,000,000.00 for JPY Time Deposit


Account Opening Procedure for Non-Hong Kong Resident Client Referral


  • HK branch account opening booklet - delivered to address of referral HO unit or Branch for attention of designated officer.
  • Client completes the HK branch account opening booklet referral HO unit of Branch and the relevant document is authenticated by referral account officer.
  • Together with the bank reference letter issued by the referral unit of HO or Branch regarding:
    • credibility
    • background
    • account history and relationship with our bank, including but not limited to background, years of account relation, ADB, overall relations, etc.
  • Provide all required documents listed at the booklet wth certified true copy by the BDO officer and proof of resident address (e.g. government utility or bank letter with address and name of account applicant)
  • Courier to HK branch by the referral unit or Branch

Click to view Documents Required for Opening Personal Accounts