Retail Banking Services   

 

  

 

              



 

  • Make day-to-day local payments either in HKD or US dollars by cheque
  • Receive an at-a-glance statement showing full details of the transaction


Available currencies include: 


Hong Kong Dollars


US Dollars
 
 

w-IN Current Account (Interest-Bearing Current Account)

Individual or Corporate Customer – Enjoy Flexibility with Interest

-    Combined Features of Current & Savings Account – Flexibility with Interest

-    Tiered Interest - The More You Save, The More You Earn

-    Deposit Protection Cover up to HK$100,000

-    Waiver of Low Balance Monthly Service Fee
 
Individual Customer
Deposit Amount Tier (HKD)
Interest Rate (p.a.) ^
over 10,000 to 100,000
0.10%
over 100,000
0.25%
(The rates are effective 20 March 2008)
Corporate Customer
Deposit Amount Tier (HKD)
Interest Rate (p.a.) ^
over 100,000 to 500,000
0.05%
over 500,000
0.10%
(The rates are effective 20 March 2008)
 
Remarks :

^    There is no interest for deposit amount of HK$10,000 or below and HK$100,000 or below for Individual Customer and Corporate Customer respectively. w-IN Current Account (“Account”) is a HKD interest-bearing current account. Its minimum initial deposit requirement is only HK$2,000.

Daily interest of Account will be awarded and calculated at such rate as determined by the daily closing balance as indicated in the table attached or at such rate as Public Bank (Hong Kong) Limited (“the Bank”) may from time to time determine.  Daily interest accrued shall be accumulated to the end of each month and credited into the Account on the first business day of each subsequent month.

The above-mentioned interest entitlement does not apply to Prestige Account.

The Bank is a member of the Deposit Protection Scheme. Eligible deposits taken by the Bank are protected by the Scheme up to a limit of HK$100,000 per depositor. Relevant information can be located at website of Hong Kong Deposit Protection Board (www.dps.org.hk).

For enquiry, please contact the Bank’s staff. The Bank reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. Should any dispute arise, the decision of the Bank shall be final. The Chinese translation is for reference only. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.

 

 





  •  

Get interest paid on account balance in every month
  •  

Monitor the account either with a passbook or by receiving an at-a-glance statement


Available currencies include:


Hong Kong Dollars


US Dollars


Canadian Dollars


British Pounds


Swiss Francs


Euro

 


Japanese Yen


Australian Dollars


New Zealand Dollars


Thai Baht



  • Flexible deposit periods (from 24-hour call to 12-month fixed term)
  • Pay interest monthly*
  • Overdraft facilities at competitive interest rates

* Deposit amount must not be less than HKD200,000 and deposit tenor must be within 3 - 12 months

Available currencies include:


Hong Kong Dollars


US Dollars


Canadian Dollars


British Pounds


Swiss Francs


Euro

 


Japanese Yen


Australian Dollars


New Zealand Dollars


Thai Baht



  • Interest rates fixed on the first instalment date
  • Choice of monthly deposit amount with a minimum of HKD1,000 or USD200
  • Flexible instalment terms, including 12, 18, 24 and 36 months
  • Premature uplift funds after the first 3 months will still gain interest*

 

* Interest will be based on the lowest prevailing savings interest rate during the deposit period

Available currencies include:


Hong Kong
Dollars


US
Dollars

 

Maxi-Wealth Savings Account

Maximizing Your Wealth For You
HKD Deposit Rate for Maxi-Wealth Savings Account
HK$100,000 or below
  0.75% 1
Over HK$100,000 to HK$250,000
0.85%
Over HK$250,000
1.00%
(The rates are effective 20 March 2008)

 

- Permanent Waiver of Low Balance Monthly Service Fee 2

- Deposit Protection Cover up to HK$100,000 3

- Free Premium upon Successful Account Opening 4
 

Remarks :

1

 

 

 

  

Daily interest will be awarded and calculated at such rate as determined by the daily closing balance asindicated in the above table or at such rate as Public Bank (Hong Kong) Limited (“the Bank”) may from time to time determine.  No interest shall be awarded and/or accrued to the Maxi-Wealth Savings Account in the event that the daily closing balance falls below HK$3,000 or such other amount being the interest bearing threshold as from time to time the Bank may adjust. Daily interest accrued shall be accumulated to the end of each month and credited into the account on the first business day of each subsequent month.

2  

Low Balance Monthly Service Fee will be waived in any event for Maxi-Wealth Savings Account.

3

  

The Bank is a member of the Deposit Protection Scheme. Eligible deposits taken by the Bank are protected by the Scheme up to a limit of HK$100,000 per depositor. For details, please contact our branch staff or visit Hong Kong Deposit Protection Board website at www.dps.org.hk.

4

 

 

A red telephone booth money box (size: 7cmW X 7cmL X 15cmH) (“the welcome gift”) will be given to every successful applicant of Maxi-Wealth Savings Account. The welcome gift will be granted on first-come-first-served basis. The Bank’s decision on giving out the welcome gift shall be final.

The Bank reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. Should any dispute arise, the decision of the Bank and / or the participating merchant shall be final. The Chinese translation is for reference only. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.

 

Wealthy Kid Savings Account

Be Your Company      Plan Ahead with You
 
Public Bank (Hong Kong) presents you and your children with the most fascinating Wealthy Kid Savings Account ("Wealthy Kid").  With Wealthy Kid, you can help your children to develop a good saving habit, plan ahead with them and start turning your beloved children into the real wealthy kids. Upon successful application, you will get the following benefits : 
 
•  A series of "Wealthy Kid in Space Odyssey" passbook1,
   account directory card and ATM card2
•  4 types of fabulous Wealthy Kid Welcome Premiums3
•  High Savings Interest Rate & A Full Range of Account Services4
•  Deposit Protection Cover up to HK$100,000 5
 
Come join us, open a Wealthy Kid Savings Account at any of our branches:
Account Opening Documents
  child of age 11 to below 18    child below the age of 11 (application must be
  made by the parent / legal guardian)  
  The child’s

  i. HKID Card ; and

  ii. Address proof issued within the latest 3 months

  if document ii. cannot be submitted, the parent’s /
  legal guardian’s address proof issued within the
  latest 3 months and one of the following documents
  should be submitted:

  -   child’s birth certificate
  -   proof of relationship of the child and his/her legal
      guardian
  -   child’s school handbook
 		   Parent’s / legal guardian’s

  i.   HKID Card ; and

  ii.   Address proof issued within the latest 3         months ; and

  iii.  child’s birth certificate  
 
Remarks :

1.

Wealthy Kid Savings Account ("Wealthy Kid") is a HKD savings account. Wealthy Kid account will be provided a passbook as the only means for recording its relevant account transactions. Each account holder or each combination of account holders will be entitled to open one Wealthy Kid account.

2.

ATM card (hereafter called "PB card") and all services relating to PB card are not applicable to individual account holder under the age of 16.

3.

i.   Wealthy Kid Coloring Book (size: 18cm W X 25cm L; 8 pages in total)
ii.  Wealthy Kid Coloring Pen includes 9 wooden coloring pens of different colors and each of 3.5 inches long.
    This item has passed the relevant test of Safety of Toys.
iii. Wealthy Kid Plastic Folder (size: 33.2cm W X 23.5cm L)
iv. Wealthy Kid Sticker (size: 21cm W X 29.7cm L)
Items i to iv above ("the welcome premiums") will be given to successful applicant of Wealthy Kid account on a first-come-first-served basis. The decision of Public Bank (Hong Kong) Limited ("the Bank") on giving out the welcome premiums should be final. Related adults should give sufficient guidance to their children on how to use the welcome premiums in the most appropriate manners. The Bank will not be responsible for any dispute or claim arising from using the welcome premiums.

4.

Full range of account services (including but not limited to the following services: net banking, phone banking, cheque deposit and clearing) is only applicable to those Wealthy Kid accounts which are held by parents / legal guardians.

5.

The Bank is a member of the Deposit Protection Scheme. Eligible deposits taken by the Bank are protected by the Scheme up to a limit of HK$100,000 per depositor. For details, please contact the Bank’s staff or visit Hong Kong Deposit Protection Board’s website at www.dps.org.hk.

For enquiry on all promotional offers, service charges, account services, terms and conditions relating to Wealthy Kid account, please contact the Bank’s staff. The Bank reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. Should any dispute arise, the decision of the Bank shall be final. The Chinese translation is for reference only. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.

 

 

Please drop by at any of our Branches to open a deposit account. For enquiry , please contact our branch staff or call 2921 6666. We look forward to providing you our best services at all times.

  • As low as P-3% for whole tenor

  • Cash rebate up to 0.5%

  • Repayment tenor up to 30 years 

  • Loan amount up to 95% of the appraised property value*

  • Free valuation fees

  • Free fire insurance premium for the first year

    •
  • Credit Card with perpetual annual fee waiver 
-> Learn More
-> Online Appointment

 

* For mortgage loan amount exceeding 70% of the property value or the appraised property value (whichever is

lower), application with HKMC's Mortgage Insurance Program is required.

Customer Service Hotline
:
 8107 0818, 2525 7863 or 2393 3988

 

For additional information, please call or visit any of our branches.

 

 

  • Loan amount < HK$3,000K

H+1% (upper limit P-2.5%)

Plus cash rebate up to 0.3%

  • Loan amount ≥ HK3,000K

H+0.75% (upper limit P-2.75%)

Plus cash rebate up to 0.3%

 

We can also tailor-make other mortgage financing services to meet your individual financial and investment needs, such as:

  • Mortgage Insurance Program
  • Refinancing
  • Mortgage overdraft
  • Car park loan
Customer Service Hotline
:
 8107 0818, 2525 7863 or 2393 3988

For additional information, please call or visit any of our branches.

  • Loan advance up to 95% of the appraised property value*

  • Repayment tenor up to 25 years

  • Preferential interest rate

  • No handling fee

  • Comprehensive home insurance plans 

* For mortgage loan amount exceeding 70% of the property value or the appraised property value (whichever is

lower), application with HKMC's Mortgage Insurance Program is required.

Customer Service Hotline
:
 8107 0818, 2525 7863 or 2393 3988

For additional information, please call or visit any of our branches.

 

Hong Kong Mortgage Corporation

  • Mortgage Insurance Program (MIP)

Hong Kong Housing Authority

  • Tenants Purchase Scheme
  • Home Purchase Loan Scheme (for refinancing)
  • Home Starter Loan Scheme (for refinancing)
  • Sandwich Class Housing Loan Scheme (for refinancing)
  • Home Assistant Loan Scheme (for refinancing)

 
Customer Service Hotline
:
 8107 0818, 2525 7863 or 2393 3988

 

For additional information, please call or visit any of our branches.

 


Buying a home is a long-term investment and there are a lot of things to be considered. Walk through the following steps with us when buying your home:

Financial Assessment

Calculate the down payment and monthly repayment that you can afford

Property Choice

Look for a desired property that falls within your budget

Property Valuation

Call Public Bank (Hong Kong) Ltd. for free verbal valuation

Deposit

Pay the deposit for the property and sign the Provisional Sales and Purchase Agreement

Mortgage Application

Apply for Public Bank (Hong Kong) Ltd's mortgage loan

Solicitors

Arrange for legal services (1) Sale and Purchase Agreement, (2) Assignment and (3) Mortgage Deed

Down Payment Settlement

Settle the down payment in full, sign the Sale and Purchase Agreement and subsequently pay the stamp duty.

Agreement

Solicitor is to advise you to sign the Assignment and Mortgage Deed. Also, you should settle the outstanding balance of the property price through Public Bank (Hong Kong) Ltd. as advised by your solicitor.

Get Your Key

Take possession of your dream home





 

Public Bank (Hong Kong) "Flexible Cash" Personal Loan

Let us present you a flexible personal installment loan, which maximizes your financial flexibility and makes your life much easier!

  • Fixed Installment Loan
    Choose and fix your monthly installment for better financial planning.

  • Speedy Approval and Loan Disbursement 1
    The loan amount will be credited to your designated account once the loan is approved; the whole process is easy and simple.

  • Preferential Interest Rate
    Our extraordinary low-interest personal installment loan enables you to enjoy substantial interest cost saving.

  • High Loan Amount 2
    Personalized loan amount that suits your financial needs.

  • Flexible Repayment Tenor
    Flexible repayment tenor to suit your repayment capability.

  • How to Apply
    Please download, complete and return the application form, together with the required documents to any of our branches, by fax or by post.
 
Offer Details
Online Appointment 
Personal Data (Privacy) Ordinance
Customer Service Hotline : 8107 0818
Fax Hotline : 2545 8158
Request Application Form by Fax : 2921 6666
For additional information, please call or visit any of our branches.



Remarks :

1.
If a customer has submitted a duly signed personal loan application form, together with all of the required documents on or before 2pm of any business day (for submission after 2pm or on Saturdays or on public holidays, the "submission date" shall be deemed to be the next business day), once the loan is approved, Public Bank (Hong Kong) Limited ("the Bank") will credit the approved loan amount into the designated bank account of the customer by 4pm of the next business day of the submission date. The time when the customer can use / withdraw the approved loan amount depends on the actual time when the payee bank has credited the amount into the designated account bank of the customer.

2.

The final approved loan amount of a customer is subject to his/her credit status and the Bank’s final approval.

For details, please contact the Bank’s staff. The Bank reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions of "Flexible Cash" Personal Loan from time to time. Should any dispute arise, the decision of the Bank shall be final. In case of discrepancy between the English and Chinese versions, the English version shall always prevail.


  • Preferential interest rate
  • Revolving overdraft facility up to HK$500,000




 

  • Preferential interest rate at Prime + 3% p.a.
  • Stand-by cash up to HK$100,000 or 2 times your monthly salary (whichever is lower)
  • No handling fee for the first year
Safe Deposit Boxes of various sizes are available in Main Branch, Shek Tong Tsui Branch and Tsuen Wan Branch for renting. For additional information, please call or visit any of the above branches mentioned.

Public Bank (Hong Kong) reserves the right to amend the terms and conditions. In case of disputes, the decision of the Bank shall be final and binding.

Notice of Amendment of Terms and Conditions with respect to the implementation of the Revenue (Abolition of Estate Duty) Ordinance 2005
For details of our attractive interest rates, please visit or call any of our branches.