Integrated Account
- Current Account
- Savings Account
- Fixed Deposit Account
Through the Integrated Account, you can manage your HKD, RMB and foreign currencies statement savings account1, fixed deposit account and current account under one account. Once the Integrated Account is opened, funds from different accounts can be allocated easily. With the 24-hour e-Banking service, you may enjoy banking services anytime anywhere; experiencing the efficient account management.
What account type included
- Manage your payment and transfer at ease by paper cheque or e-cheque for Hong Kong Dollar, US Dollar and Renminbi
- Provide you with Easy Transfer Service in Hong Kong Dollar Current Account to protect against bounced cheques
- Cheque books are available for free
- Have a minimum initial deposit
- Manage Hong Kong Dollars, US Dollars, Renminbi and 12 other foreign currencies in your Integrated Account
- Offer you daily accrued interest posted semi-annually
- Fixed deposit account allows you to enjoy higher interest rate by depositing fund for a set period of time.
- The tenors of the deposits may vary from 7 days to 12 months subject to currency.
- Preferential rates will be provided for deposits of HK$500,000 or above or equivalent.
- You can preset the account for fund transfer upon its maturity or select to roll over automatically through internet, phone and mobile banking.
- Minimum deposit amount is required which is HK$50,000 for Hong Kong Dollar.
Features
Detailed account activities of the Integrated Account will be listed on the monthly
consolidated statement. In addition to statement savings, fixed deposit and current
accounts of the Integrated Account, you may also review the balances of your investment
account, credit card and gold account etc. through the consolidated statement; enabling
you to review all the accounts portfolio at a glance.
With an Integrated Account, interest on statement savings will be paid on monthly basis,
maximizing your return.
With Personal eBanking Service, you can manage all accounts in your Integrated Account
anytime anywhere by using phone, internet, ATM or mobile handset. You can also view,
print and download6 the past 7 years'
eStatement and the recent 3 months' eAdvice through eBanking
service.
Easy Transfer Service
Auto Fund Transfer for Cheque Issuance
With the assistance of "Easy Transfer", you don't need to worry about
having insufficient fund in your current account to settle the payment of issued cheques or
other direct debit transactions. We will transfer fund from your designated
savings account to your current account7 covering related payment automatically.
Besides saving your time for fund transfer arrangement, your financial management also becomes a
cushy job from now on.
Cheque Return & Direct Debit Protection
"Easy Transfer" not only saves your time, but also offers you cheque
return and direct debit protection. It helps saving the service charges for cheque return or
direct debit rejection due to insufficient fund in your current account.
Meanwhile, your personal reputation is being protected as well.
Immediate Effective
"Easy Transfer" activates immediately upon the approval of your
application. Simply pay HK$1008 per half year to enjoy the meticulous service of
"Easy Transfer" which is your best choice for financial management.
Ways to Apply
Apply via Digital Account Opening Now
Open an Account Now
Download the latest mobile app!
Account Opening Steps
Follow the steps for a faster account opening process.
Submit your application 7X24 anytime, anywhere
- No need to visit a branch.
- Open an account in approximately 8 minutes.
- Quick approval. Enjoy a wide range of banking services in as fast as 2 working days.
Note: Once your account is successfully opened, you will need to make the first deposit to remove your account restrictions, for details please refer to the FAQ No. 13 & 14
- Aged 18 or above
- Holding a Hong Kong Permanent Identity Card (support 2003 and 2018 versions)
- Not holding any deposit account with the Bank on or before the date of account opening application
- Non-US resident, non-US citizen and not other US Person for US tax purposes
For a faster account opening experience
- Fill out your personal details in advance.
- Make an appointment online to visit our branch.
We will contact you shortly to confirm the appointment date and location.
⠀
- Aged 18 or above
- Holding a Non-permanent HKID Card, China Resident ID Card with valid Exit-Entry Permit for Travelling to and from HK and Macau or China Passport, Macau Resident ID Card or Foreign passport
- Not holding any deposit account with the Bank on or before the date of account opening application
Remarks
- Exclude Multi-Currency Statement Account.
- Account can be operated through JETCO ATMs.
- Account can be operated through OCBC Bank Mobile Banking, Telematic and Internet Banking Service.
- Recipients of Comprehensive Social Security Assistance, recipients of Government Disability Allowance (customer should provide supporting documents to the Bank) and low income earners (customers are required to sign a declaration of low income earns) are exempted from the minimum initial deposit.
- For customers applied for Personal eBanking Service, you may open statement savings accounts and time deposit accounts via Internet Banking services.
- Customers are required to install Acrobat Reader and Chinese Traditional Font Pack on personal computers to view, print and download the eStatement & eAdvice in PDF format.
- When insufficient fund occurred in current account, "Easy Transfer" will transfer fund from
designated savings account to the particular current account. However, the amount of
transferred fund should not be exceeded the available
balance of the designated savings account. The transfer unit per case is at HK$1,000 or its
multiple. If the balance of savings account is less than one transfer unit, all the
available balance would be transferred to the particular
current account. (Please refer to the table below for details.)
If customer's current account is facilitated with an overdraft facility, "Easy Transfer" will first transfer required fund from the designated savings account. However, if the balance in the designated savings account is insufficient to settle related payment (i.e., example 1 & 2 of the above table), overdraft facility will be utilized.
Easy Transfer Example Example Savings Account Available Balance Amount to be Transferred Actual Transferred Amount 1 HK$800 HK$1,200 HK$800 2 HK$1,000 HK$1,200 HK$1,000 3 HK$1,500 HK$1,200 HK$1,500 4 HK$2,000 HK$1,200 HK$2,000 - Service charge of HK$100 per half year will be levied upon application and to be charged every half yearly thereafter. All charges will be debited from current account.
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