Fees and Charges
Table of Contents
1. Deposit Service ……………………………………………..………………….……………...…4
1.1 Current Account ……………………………...….…..…………...………...……...……4
1.2 Savings / Statement Savings Account ………….....…….….………….…………......4
1.3 Deposit Cheque ….……………………………...….….…….…………………...….....4
1.4 Deposit / Exchange MOP Banknotes / Coins …...…………………….………....……5
1.5 Deposit / Exchange HKD Banknotes / Coins ………………..………...………......…5
1.6 Deposit / Exchange RMB Banknotes ……………….…..……………......…….......…5
1.7 Deposit USD Banknotes …………………..……...…...………………..………....……5
1.8 General Service ……………………………..………...…..…..………...………....……6
1.9 Safe Deposit Box …………………..…………….…...…..…………………..…....……6
2. Card Service ……………………………………..……………………….…..…………………....6
2.1 Credit Card ……………….…..……...………………...…...………….…….…......…6-7
2.2 MOP VISA Debit Card …………..………..……...……...……..….………….…....……7
2.3 Jet Cash Card …………………..……...………………...…...…….……….…..........…8
2.4 ATM Card / China UnionPay Debit Card …………………………….……..…......……8
3. Loans Service …………………………………………….……………….………………….…..8
3.1 Mortgage Loan Service ……………………..……...………...………………....…...8-9
3.2 Personal Loan Service …………...……….………..…………..………….…….…....…9
4. Insurance Service ………………………………………………………....……………......…..10
5. Remittance Service ………………………………………..……..…………..……...….….….10
5.1 Outward Remittance ….……...…………..….…...………………..……….….......…10
5.2 Inward Remittance …………….…..……...……...……………..………….......……..11
5.3 Hong Kong and Macau Instant Remittance Service ……………...…….……...…....11
2
6.
Scale of Commission and Charges Trade Services ………......……………………..…..…...12
6.1 Import …………………..……...………………….……...…………..…….…....….…12
6.2 Export …………………..……...………………….………...………..…….….....……13
7.
Securities Services ……………………………..……....….…………………………….…….13
7.1 Trade – related services ……..…...…………..……....……………...…..……..…....…13
7.2 Internet Stock Quote Service ………...……....….........…...…………..…….….........14
7.3 Account maintenance ………...…………..………....…...…………..…….…….....…14
7.4 Nominee services and corporate actions …………………………………………14-15
7.5 IPO Subscription ………...…………..……................…………...……………...….…15
7.6 Scrip handling and settlement – related services ……….......…………..…........15-16
7.7 Stock transfer services ………...………………....…….……...……………....….…...16
7.8 Trade-related services (Shanghai / Shenzhen Stock Connect)……..……...…...…....16
Noted: The charges will be levied in HKD / MOP except specify. The Bank reserves the right to vary
the rate of charges.
3
1. Deposit Service
1.1 Current Account
Cheque book
$2.0 per cheque
Stop payment of cheque
$200 per cheque
Returned cheque (Insufficient fund)
$200 per cheque
Returned cheque (Other reasons)
Dormant account
- Account that has been dormant for more
than 3 years and with balance below HKD /
MOP 2,000
$100 per cheque
$100 per half year
(Fee waiver is allowed for customers aged
65 or above)
1.2 Savings / Statement Savings Account
Account closed within 3 months from date of
account opening
Dormant account
- HKD / MOP / Foreign currency account
(Including RMB account) that has been
dormant for more than 3 years and with
balance below HKD / MOP 2,000 or
equivalent
Re-issue of passbook
$200 per account
$100 or HKD equivalent per half year
(Fee waiver is allowed for customers aged
65 or above)
$150 per passbook
1.3 Deposit Cheque
General Customer
Elite Customer
$200 per cheque
$50 per cheque
$200 per cheque
$600 per cheque
$400 per cheque
$100 per cheque
$600 per cheque
$200 per cheque
$200 per cheque
$150 per cheque
Foreign currency cheque deposit
Payable in Macau / Hong Kong
Payable in other countries
•
•
•
USD
AUD
Other foreign currency
Returned cheque
HKD / USD cheque deposit
Payable in Hong Kong
$30 per cheque
(Not included received
bank charge fee)
$10 per cheque
Returned cheque
$200 per cheque
$100 per cheque
Returned local cheque deposit
$50 per cheque
$20 per cheque
−
4
1.4 Deposit / Exchange MOP Banknotes / Coins
$100 or below banknotes
- Over 200 pieces
MOP Coins
- Over 50 pieces
(Under 50 coins would be counted as
50 coins)
0.5% of deposit / exchange amount (Minimum $30)
$5 per 50 coins
1.5 Deposit / Exchange HKD Banknotes / Coins
$1,000 banknotes
Free of charge
Other banknotes
(Under $10,000 would be counted as $10,000)
$50,000 or below
Over $50,000
$100 or below banknotes
- Over 50 pieces
HKD Coins
(Deposit or over 10 coins)
Free of charge
HKD 20 per $10,000 exceed
0.5% of deposit / exchange amount
(Minimum $30)
10% of deposit amount
(Minimum $20)
1.6 Deposit / Exchange RMB Banknotes
Cash
- $20,000 or below
- Over $20,000
(Under $1,000 would be counted
as $1,000)
$50 or below banknotes
- Over 300 pieces
Free of charge
$2 per $1,000 exceed
0.15% of deposit / exchange amount (Minimum $15)
1.7 Deposit USD Banknotes
Cash / Small change banknotes
0.5% of deposit amount (Minimum HKD30)
5
1.8 General Service
Cashier order
-
Issuance
Cancellation
Report loss
General Customer
$70 per cashier order
$70 per cashier order
$300 per cashier order
Counter Cheque
$50 per cheque
Request for statement copy
$60 per month
Request for Banker’s reference letter
$300 per letter
Banker’s endorsement on account
balance confirmation
$300 per letter
Auto payment charge for public utilities
$1 per transaction
Coins exchange
$25 per bag
Handling charge for Inheritance
Handling charge for payroll account
Elite Customer
$30 per cashier order
$30 per cashier order
$200 per cashier
order
$400
$2 per transaction (Minimum $200)
1.9 Safe Deposit Box
：
(A) 2”ｘ5”ｘ22”
(B) 3”ｘ5”ｘ22”
(c) 5”ｘ10”ｘ22”
(D) 10”ｘ10”ｘ22”
Safe Deposit Box
−
−
−
−
：$ 220 Deposit：$ 350
Rent：$ 450 Deposit：$ 650
Rent：$ 1,000 Deposit：$ 1,000
Rent：$ 1,300 Deposit：$ 1,500
Rent
Re-issue key
$300 per key
Break open of box
$800 per box
2. Card Service
2.1 Credit Card
Annual Fee
-
：Platinum
Principal card：Titanium
Principal card：Classic
Supplementary card：Platinum
Supplementary card：Titanium
Supplementary card：Classic
Principal card
Priority Pass membership card
Replacement for Priority Pass
membership card
$1,000
$480
$220
$500
$240
$110
$100
$100 per card
6
Priority Pass Lounge Visit
Late payment charge
Cash advance handling fee
Over Limit Handling fee
Financial charge (Interest rate)
Overseas transaction / conversion fee
(Not applicable to China Unionpay
credit card)
$220 per guest per visit
$110 per time
4.5% on cash advance amount per transaction or
minimum $80
(If the cash withdrawal through JETCO network outside
Macau, an additional fee HKD 20 or equivalent will be
charged)
$100 per time
29.25% per annum
For transaction effected in non-card currency or made
outside Macau , a 1% Visa / MasterCard Cross Border Fee
and a 0.75% Overseas Transaction / Conversion Fee
levied by the Bank shall be debited to the card account.
Returned cheque / rejected autopay
$100 per item
Termination Recurring Transaction
Handling Fee
$50 per time
Lost card replacement
$100 per card
Issuance of cashier order
$70 per cashier order
Sales draft retrieval fee
$50 per copy
Statement copy retrieval fee
$50 per copy
2.2 MOP VISA Debit Card
Annual fee
Lost card replacement
Overseas transaction / conversion fee
$80
$80 per card
For transaction effected in non-card currency or made
outside Macau , a 1% Visa Cross Border Fee and a 0.75%
Overseas Transaction / Conversion Fee levied by the
Bank shall be debited to the card account.
Additional fee for cash withdrawal via
JETCO network outside Macau
HKD 20 or equivalent per transaction
Cash withdrawal via VISA PLUS network
HKD 30 or equivalent per transaction
Handling fee for Insufficient fund
$50 per time
Sales draft retrieval fee
$50 per copy
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2.3 Jet Cash Card
Annual fee
Late payment charge
Cash advance handling fee
Over Limit Handling fee
Financial charge (Interest rate)
$100
$110 per time
3.5% on cash advance amount per transaction or
minimum $80
(If the cash withdrawal through JETCO network outside
Macau, an additional fee HKD 20 or equivalent will be
charged)
$100 per time
18% per annum
Returned cheque / rejected autopay
$100 per item
Lost card replacement
$100 per card
Issuance of cashier order
$70 per cashier order
Sales draft retrieval fee
$50 per copy
Statement copy retrieval fee
$50 per copy
2.4 ATM Card / UnionPay Debit Card
Annual fee
Card replacement
$80
$80 per card
Additional fee for cash withdrawal via
JETCO network outside Macau
HKD 20 or equivalent per transaction
Cash withdrawal via VISA PLUS network
HKD 30 or equivalent per transaction
Sales draft retrieval fee
(For UnionPay Debit card only)
Cash withdrawal via UnionPay network
(For UnionPay Debit card only)
Interbank Transfer via JETCO network
$50 per copy
$30 per transaction
HKD 5 per transaction
3. Loans Service
3.1 Mortgage Loan Service
Re-finance loan handling fee
0.5% of loan amount (Minimum $1,000)
Early repayment
Within 1st year
nd
Within 2 year
rd
Within 3 year
Partial Prepayment
3% on loan amount
2% on loan amount
1% on loan amount
According to the terms and conditions of loan contract
8
Cancellation of Loan application
Late payment charge
Bank mortgage confirmation
Re-issue of payment advice / Photo
copies of repayment history
Switching of repayment method
between monthly and bi-weekly
Change of:
- Repayment tenor
- Repayment amount
- Repayment plan
- Due date
Change of interest rate
Field assignment fee for collecting
cheque
$1,000
$50 for each past due installment unpaid for more than
3 business days
$150 for each past due installment unpaid for more
than 30 calendar days
$200 per letter
$20 per copy
$1,000 per request
$500 per request
$500 per request
$500 per request
$500 per request
$1,000 per request
$2,000 per case
3.2 Personal Loan Service
Car park loan (Without deed)
Early repayment
st
Within 1 year
nd
Within 2 year
rd
Within 3 year
Afterward
Taxi loan
- Application handling fee
- Early repayment full / partial
st
Within 1 year
nd
Within 2 year
rd
Within 3 year
Afterward
0.5% on the initial loan amount (Minimum $300)
-
：
3% on initial loan amount
2% on initial loan amount
1% on initial loan amount
Free of charge
$500
3% on initial loan amount
2% on initial loan amount
1% on initial loan amount
Free of charge
Other loan service
Car loan / home owner decoration
loan/ wedding loan / education
loan / speedy personal loan
Late payment charge
-
Cashier order issued for Car Loan
drawdown
Free of application handling fee
(Early repayment charges according to the terms and
conditions of loan contract)
$100 for each past due installment unpaid for more
than 1 business days
$200 for each past due installment unpaid for more
than 15 calendar days
$60 per piece
9
4. Insurance Service
Late payment for insurance premium
(Reject Auto-direct debit for consecutive
6 times)
$100 (One time charge)
5. Remittance Service
5.1 Outward Remittance
MOP Remittance
HKD Remittance
- General
customer
-
Elite
customer
RMB Remittance
Telegraphic Transfer
Handling fee
Cable charges
$100
(Only applies to
--remittance to Macau)
0.1% (Minimum $50)
$50
0.08% (Minimum $50)
$50
$150
---
---
$150
Demand Draft
N/A
Handling fee 0.08%
(Minimum $50)
(Only applies to
remittance to Hong
Kong)
N/A
FCY Remittance
With
exchange
- Without
exchange
Information amendment,
stop payment, refund
remittance, cancellation
remittance
-
Mail remittance receipt
Handling fee $150
$50
$150
Handling charge $50
(Cable charge will be added if needed)
Handling charge $20
Remark: The above charges do not include any correspondent bank charges.
10
5.2 Inward Remittance
Charge
Settlement method
Location of the Bank that Sends the Inward
Remittance Instruction to our Bank
Currency
Macau
-
-
RMB
Free of charge
HKD/ MOP
Credit to customer’s own
account with our bank
-
Transfer payment to
other local bank account
-
Information
amendment,
refund remittance,
cancellation remittance
Outside Macau
Foreign
currency
- with
exchange
- without
exchange
General customer
Handling fee $30
General customer
Handling fee $100
Elite customer
Free of charge
Elite customer
Free of charge
Handling fee $30
Handling fee $100
Handling fee $150
HKD / MOP
Foreign
currency
Handling fee $100
- with
exchange
- without
exchange
---
Handling fee $100
Handling fee 0.25% (Minimum $100 and
cable charge $150)
$50
$150
Remark: The above charges do not include any correspondent bank charges.
5.3 Hong Kong and Macau Instant Remittance Service
Internet service
Over the Counter
- General customer
- Elite customer or corporate
customer
$80 per transaction
0.08% on transaction amount (Minimum $40)
0.07% on transaction amount (Minimum $40)
11
6. Scale of Commission and Charges Trade Services
6.1 Import
1st USD 50,000
or
HKD 400,000
Opening LC
0.25%
(For each 6 months)
LC Amendment
- Increase amount / Extend
validity
0.25%
(Base on the increase amount)
- Others
(Flat charge for each
amendment)
Comm. in lieu of Exchange (ILE)
Invoice Financing
- Handling Commission
- Repayment in same
Foreign Currency
Inward Bill Collection (DP / DA)
Balance
Minimum
0.125%
$250
0.125%
$250
$250
0.25%
0.125%
$250
0.125%
0.25%
0.125%
0.125%
$250
$250
0.125%
0.125%
$250
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6.2 Export
1st USD 50,000
or
HKD 400,000
Balance
Minimum
0.25%
---
0.125%
---
$250
---
0.25%
0.125%
$250
---
---
$250
Outward Bill Collection
0.125%
0.125%
$250
Comm. In lieu of Exchange (ILE)
0.25%
0.125%
$250
OB (LC / DP / DA) Purchased
- HKD / MOP Bill
- Foreign Currency Bill to HKD
- Foreign Currency Bill in
same Currency
Document Checking Fee
(Drawn under L/C for each 10 sets
of Invoice)
LC / Amendment Advising
- Bills Customer
- Postage
(To be advised thru' other local
bank)
$250
$250
7. Securities Services
7.1 Trade – related services
General Customer
Brokerage Fee
- Telematic Service
- e-Trading Service
Trading Fee
On transaction amount
0.18%
0.18%
0.22% on transaction
0.25% on transaction amount
amount
0.1% for every HKD 1,000 of transaction amount (Or part
thereof, any fraction of HKD 1 in stamp duty payable shall be
rounded upward to the nearest HKD 1 )
0.005% on transaction amount
Transaction levy
Stamp duty on transfer
deed
0.0027% on transaction amount
HKD 5 for each transfer deed
(For selling new issue share)
- Customer Service
Stamp duty
On transaction amount
0.23%
0.23%
Elite Customer
Minimum
Charge
$85.00
$85.00
$125.00
N/A
N/A
N/A
N/A
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7.2 Internet Stock Quote Service
Internet stock quote
300 times FREE real time stock quotes per month,
service
subsequent enquiry will be charged at HKD 0.1 per quote
(Upgraded Plan)
(1,000 times FREE real time stock quotes per month for
Elite customer)
$20.00
7.3 Account maintenance
Safe custody charge
HKD 0.15 per board lot or odd lot
(Collected half - yearly on portfolios as at 1 Jun and 1
December and debited from account on the next
business day)
Maximum : HKD 2,500
$60.00
per half
year
Dual Tranche, Dual
Counter / Inter-counter
Transfer
HKD 70 per event
$70.00
7.4 Nominee services and corporate actions
Scrip fee for shares in
CCASS on Book - Close
Date
HKD 1.5 per board lot or odd lot
(Collected on the net increased quantity of each share
compared with the balance of the previous book-close date)
Collection of cash dividend
0.5% on cash amount, Maximum: HKD 2,500
$30.00
Collection of other cash
entitlements
(including cash offer and
privatization)
0.25% on cash amount, Maximum: HKD 2,500
Plus: handling charge for CCASS, HKD 0.8 per board lot, or
Stamp Duty of 0.1%
$100.00
Receipt of securities from
privatization / Share Offer
Share consolidation /
subdivision
Collection of bonus issues
and scrip dividend
(applicable to unlisted
securities)
Rights subscription
HKD 5 per board lot or odd lot
Maximum: HKD 500
Plus: charge for alloted new issue shares deposits and
handling charge for CCASS,
HKD 0.8 per board lot
HKD 30 per event
HKD 3 per board lot or odd lot
Maximum : HKD 500, Minimum Charge of HKD 30 will be
levied on collection of unlisted securities
Plus : charge for alloted new issue shares deposits and
handling charge for CCASS,
HKD 0.8 per board lot
HKD 3 per board lot or odd lot
Maximum : HKD 500
Plus : handling charge for CCASS, HKD 0.8 per board lot
N/A
$30.00
N/A
$30.00
$30.00
14
Warrant exercise / ELI
redemption via CCASS
Nominee services and
corporate actions
7.5 IPO Subscription
IPO Subscription
( New issue share deposits
on nominee basis)
HKD 3 per board lot on top of the above deposit charges
Maximum : HKD 500
Plus : charge for alloted new issue shares deposits and
handling charge for CCASS,
HKD 0.8 per board lot
0.2% of redemption amount (Maximum: HKD$500 /
RMB500)
Plus : handling charge for CCASS
Via internet channel
Via customer services
Alloted new issue shares deposits
$30.00
$50.00
$100.00
$150.00
$30.00
7.6 Scrip handling and settlement – related services
1. Physical scrip :
HKD 5 per board lot or odd lot
(Maximum : HKD 100)
Plus: Stamp Duty of HKD 5 for each transfer deed
Deposit of securities
2. Through CCASS
Plus: CCASS settlement fee and SI input fee
(- CCASS settlement fee: 0.002% of securities value based
on the previous day’s closing price with minimum of
HK 2 and maximum of HKD 100
- SI input fee: HKD 1 per transaction.
- Waiving the above charge for those shares purchased
through our Bank)
1. Physical scrip withdrawn from CCASS :
HKD 10 per board lot or odd lot
(Charges for CCASS inclusive)
Withdrawal of securities
Money settlement fee
(Through CCASS)
$30.00
N/A
$50.00
2. Through CCASS :
HKD 30 per transaction
Plus: CCASS settlement fee and SI input fee
(- CCASS settlement fee : 0.002% of securities value
based on the previous day’s closing price with
minimum of HKD 2 and maximum of HKD 100
- SI input fee: HKD 1 per transaction.
- Waiving the above charge for those shares
purchased through our Bank)
N/A
Free
N/A
15
Personal registration by
registrar
- Handling charge
-
Scrip fee
Stamp duty on
transfer deed
HKD 10 per board lot or odd lot (Maximum : HKD 500)
$100.00
HKD 2.5 per board lot or odd lot
N/A
HKD 5 for each transfer deed
N/A
7.7 Stock transfer services
Deposit of securities
Withdrawal of securities
Free
Per Stock
Plus: CCASS settlement fee and SI input fee
( - CCASS settlement fee : 0.002% of securities value based
on the previous day’s closing price with minimum of
HKD 2 and maximum of HKD 100
- SI input fee: HKD 1 per transaction.
- Waiving the above charge for those shares
purchased through our Bank)
N/A
$150.00
N/A
7.8 Trade-related services (Shanghai / Shenzhen Stock Connect)
Brokerage fee
Customer Service
Handing fee (Shenzhen Stock
Exchange)
Handing fee (Shanghai Stock
Exchange)
Securities management fee
(China Securities Regulatory
Commission)
0.25% on transaction amount
RMB75
0.00487% on transaction amount
N/A
0.00487% on transaction amount
N/A
0.002% on transaction amount
N/A
Transfer fee (CCASS)
0.002% on stock face value
Transfer fee (CCASS)
0.001% on stock face value
Stamp duty
0.1% on transaction amount
(State Administration of
(applicable to sell only)
Taxation)
Remark: The above charges will be levied in HKD/RMB except specify.
N/A
N/A
N/A
16