「活期宝」储蓄存款

「活期寶」儲蓄存款

“Flexi Plus” Savings Deposit

作为我们的尊贵客户,我们一直帮助您增长财富!存入全新资金至「活期宝」账户即可获享层层递增的额外年利率,存款享高息之余,资金犹如软糖般灵活有弹性,人人甜到飞起!

「活期宝」储蓄存款

您只需于工银亚洲手机银行、网上银行、或分行开立「活期宝」账户,并于指定的登记期*内存入全新资金至「活期宝」账户,您的港币储蓄存款可由存入款项的首日起至奖赏期完结前获享储蓄存款年利率^及每个阶段的额外年利率**,您可参考以下年利率计算方法:

例子:


*以上例子只供参考,登记期、奖赏期、年利率及存款要求以本行最新公布为准

** 上述的额外年利率只为示例,仅供参考。

^上述的一般储蓄存款年利率为0.125%,是以本行于当时公布为示例,仅供参考。本行保留随时更改实际年利率之绝对权利。「活期宝」港币储蓄存款优惠先到先得,额满即止。支票存款至结算账户需预留壹个工作天到账,待相关存款到账后才可从结算账户支取资金开立「活期宝」子账户。

最新优惠详情

优惠须受条款及细则约束,详情请参阅有关条款及细则或向分行职员查询。

按此查阅「活期宝」账户手机银行指引。

按此查阅「活期宝」账户网上银行指引。

「活期宝」账户条款及细则:
1.「活期宝」账户(「活期宝账户」)为一个专为享有额外存款利率优惠的储蓄存款账户。
2.活期宝账户只适用于在中国工商银行(亚洲)有限公司(「本行」)以个人单名或以联名 (如账户为联名账户) 名义持有理财金账户/理财e时代账户/综合账户的客户(「合资格客户」)。
3.每位合资格客户只可开立一个活期宝账户。为避免存疑,若同一人以个人单名及联名名义 (如账户为联名账户)持有理财金账户/理财e时代账户/综合账户的客户, 只可开立一个以单名或联名名义的活期宝账户。
4.活期宝账户的指定货币为港币,其它任何外币或货币(包括人民币) 并不适用。
5.活期宝账户(「主账户」) 下分为多个子账户(「子账户」),而主账户只仅用于识别目的并非提存账户。所有活期宝存款只透过其子账户进行存款。
6.在开立活期宝账户时,合资格客户必须选择任何理财金账户/理财e时代账户/综合账户之港元储蓄账户作为存入利息之结算账户(「结算账户」),同时该结算账户将为活期宝账户的支取账户。
7.合资格客户可于开立活期宝账户时存入首项始存金额至活期宝账户下的子账户。同一子账户在存入首项始存金额后便不能再存入任何资金。其后每次于活期宝账户存款时亦将同时启动开立主账户下的一个子账户,并将是次存款保持于此子账户内。为避免存疑,合资格客户在每次参与本行一项额外储蓄存款年利率推广时,将开立一个子账户存入该次存款推广所订定要求的存款,而这要求在推广的条款和条件中有规定。其后,该子账户不可用作其它存款,而所有于子账户的提款必须透过结算账户支取金额。
8.由子账户支取的存款须根据相关额外储蓄存款年利率推广个别条款及细则厘订,一般是容许客户于每次奖赏期完结前进行部份提款,但所有部份提款必须先转入结算账户。若合资格客户持有多于一个子账户,合资格客户需自行选取须提款的子账户。
9.有关部份提款之利息计算将因应相关额外储蓄存款年利率推广个别条款及细则厘订,一般是从存入款项至子账户日起计算至提款前一日止。所有获享的利息(或会于非营业日内执行)将会存入结算账户。
10.若子账户于提款后的余额为”零”,相应的子账户会自动注销,而所有获享的利息将于提款后的下一天存入结算账户。
11.当活期宝账户仍然有效时,合资格客户如须注销结算账户所属的理财金账户/理财e时代账户/综合账户,则须另行选取可替代的港元储蓄账户为结算账户, 
亦即理财金账户/理财e时代账户/综合账户中的港元储蓄账户(除注销账户外) 。如没有可替代的理财金账户/理财e时代账户/综合账户港元储蓄账户为结算账户,客户则须同时一并注销活期宝账户。而所有活期宝账户的尚余存款及可获享的利息将会结清至结算账户,以便客户可于结算账户的注销前支取款项。 12.活期宝账户及子账户的交易纪录将于月结单显示,并可于网上银行及手机银行查看。
13.活期宝账户之印鉴必须与结算账户之印鉴相同。
14.活期宝账户不提供自动柜员机服务。
15.活期宝账户不能用作任何投资产品的结算账户。
16.活期宝账户不能用作自动转账缴款账户或常行指示。
17.若活期宝账户于23个月内没有任何交易纪录及余额为”零”,活期宝账户将会自动注销。
18.所有子账户的存款是符合香港的存款保障计划保障资格的存款。
19.本行保留修订、暂停及/或终止活期宝账户或有关条款及细则而毋须另行通知,如有任何争议,本行保留最终决定权。
20.活期宝账户、子账户及结算账户亦须同时受银行服务的综合条款及条件约束。
21.并非本条款及细则任何一方的任何人士或实体,将不会拥有于合约(第三者权利)条例(第623章)下强制执行本条款及细则任何部分的权利。 22.如有任何争议,本行之决定乃为最终及具约束力。
23.如本条款及细则之中文版本与英文版本在文义上出现歧异,概以英文版本为准。

作為我們的尊貴客戶,我們一直幫助您增長財富!存入全新資金至「活期寶」賬戶即可獲享層層遞增的額外年利率,存款享高息之餘,資金猶如軟糖般靈活有彈性,人人甜到飛起!

「活期寶」儲蓄存款

您只需於工銀亞洲手機銀行、網上銀行、或分行開立「活期寶」賬戶,並於指定的登記期*內存入全新資金至「活期寶」賬戶,您的港幣儲蓄存款可由存入款項的首日起至獎賞期完結前獲享儲蓄存款年利率^及每個階段的額外年利率**,您可參考以下年利率計算方法:


*以上例子只供參考,登記期、獎賞期、年利率及存款要求以本行最新公佈為準

** 上述的額外年利率只為示例,僅供參考。

^上述的一般儲蓄存款年利率為0.125%,是以本行於當時公佈為示例,僅供參考。本行保留隨時更改實際年利率之絕對權利。「活期寶」港幣儲蓄存款優惠先到先得,額滿即止。支票存款至結算賬戶需預留壹個工作天到賬,待相關存款到賬後才可從結算賬戶支取資金開立「活期寶」子賬戶。

最新優惠詳情

優惠須受條款及細則約束,詳情請參閱有關條款及細則或向分行職員查詢。

按此查閱「活期寶」賬戶手機銀行指引。

按此查閱「活期寶」賬戶網上銀行指引。

「活期寶」賬戶條款及細則:
1.「活期寶」賬戶(「活期寶賬戶」)為一個專為享有額外存款利率優惠的儲蓄存款賬戶。
2.活期寶賬戶只適用於在中國工商銀行(亞洲)有限公司(「本行」)以個人單名或以聯名 (如賬戶為聯名賬戶) 名義持有理財金賬戶/理財e時代賬戶/綜合賬戶的客戶(「合資格客戶」)。
3.每位合資格客戶只可開立一個活期寶賬戶。為避免存疑,若同一人以個人單名及聯名名義 (如賬戶為聯名賬戶)持有理財金賬戶/理財e時代賬戶/綜合賬戶的客戶, 只可開立一個以單名或聯名名義的活期寶賬戶。
4.活期寶賬戶的指定貨幣為港幣,其他任何外幣或貨幣(包括人民幣) 並不適用。
5.活期寶賬戶(「主賬戶」) 下分為多個子賬戶(「子賬戶」),而主賬戶只僅用於識別目的並非提存賬戶。所有活期寶存款只透過其子賬戶進行存款。
6.在開立活期寶賬戶時,合資格客戶必須選擇任何理財金賬戶/理財e時代賬戶/綜合賬戶之港元儲蓄賬戶作為存入利息之結算賬戶(「結算賬戶」),同時該結算賬戶將為活期寶賬戶的支取賬戶。
7.合資格客戶可於開立活期寶賬戶時存入首項始存金額至活期寶賬戶下的子賬戶。同一子賬戶在存入首項始存金額後便不能再存入任何資金。其後每次於活期寶賬戶存款時亦將同時啟動開立主賬戶下的一個子賬戶,並將是次存款保持於此子賬戶內。為避免存疑,合資格客戶在每次參與本行一項額外儲蓄存款年利率推廣時,將開立一個子賬戶存入該次存款推廣所訂定要求的存款,而這要求在推廣的條款和條件中有規定。其後,該子賬戶不可用作其他存款,而所有於子賬戶的提款必須透過結算賬戶支取金額。
8.由子賬戶支取的存款須根據相關額外儲蓄存款年利率推廣個別條款及細則釐訂,一般是容許客戶於每次獎賞期完結前進行部份提款,但所有部份提款必須先轉入結算賬戶。若合資格客戶持有多於一個子賬戶,合資格客戶需自行選取須提款的子賬戶。
9.有關部份提款之利息計算將因應相關額外儲蓄存款年利率推廣個別條款及細則釐訂,一般是從存入款項至子賬戶日起計算至提款前一日止。所有獲享的利息(或會於非營業日內執行)將會存入結算賬戶。
10.若子賬戶於提款後的餘額為”零”,相應的子賬戶會自動註銷,而所有獲享的利息將於提款後的下一天存入結算賬戶。
11.當活期寶賬戶仍然有效時,合資格客戶如須註銷結算賬戶所屬的理財金賬戶/理財e時代賬戶/綜合賬戶,則須另行選取可替代的港元儲蓄賬戶為結算賬戶, 
亦即理財金賬戶/理財e時代賬戶/綜合賬戶中的港元儲蓄賬戶(除註銷賬戶外) 。如沒有可替代的理財金賬戶/理財e時代賬戶/綜合賬戶港元儲蓄賬戶為結算賬戶,客戶則須同時一併註銷活期寶賬戶。而所有活期寶賬戶的尚餘存款及可獲享的利息將會結清至結算賬戶,以便客戶可於結算賬戶的註銷前支取款項。 12.活期寶賬戶及子賬戶的交易紀錄將於月結單顯示,並可於網上銀行及手機銀行查看。
13.活期寶賬戶之印鑑必須與結算賬戶之印鑑相同。
14.活期寶賬戶不提供自動櫃員機服務。
15.活期寶賬戶不能用作任何投資產品的結算賬戶。
16.活期寶賬戶不能用作自動轉賬繳款賬戶或常行指示。
17.若活期寶賬戶於23個月內沒有任何交易紀錄及餘額為”零”,活期寶賬戶將會自動註銷。
18.所有子賬戶的存款是符合香港的存款保障計劃保障資格的存款。
19.本行保留修訂、暫停及/或終止活期寶賬戶或有關條款及細則而毋須另行通知,如有任何爭議,本行保留最終決定權。
20.活期寶賬戶、子賬戶及結算賬戶亦須同時受銀行服務的綜合條款及條件約束。
21.並非本條款及細則任何一方的任何人士或實體,將不會擁有於合約(第三者權利)條例(第623章)下強制執行本條款及細則任何部分的權利。 22.如有任何爭議,本行之決定乃為最終及具約束力。
23.如本條款及細則之中文版本與英文版本在文義上出現歧異,概以英文版本為準。

As our privilege customer, we always help you grow your wealth! Depositing new funds into the "Flexi Plus" account will allow you to enjoy step-up bonus interest rate. Enjoy bonus interest rate and high financial flexibility that sweeten your days!

“Flexi Plus” Savings Deposit

All you need is to open a “Flexi Plus” Account through ICBC(Asia) Mobile Banking, Internet Banking or branch(es), and deposit new funds into Flexi Plus Account during the sign up period*. You can enjoy bonus interest rate at each stage** on top of the savings Interest rate^ during the bonus period from the first day of deposit for your HKD savings. You can refer to the following interest rate calculation method:

Example:

*The above example is for reference only. The sign up period, bonus period, interest rates and deposit requirement are subject to the latest announcement of the Bank

**The above bonus interest rate is only an example and is for reference only.

^^The above annual interest rates of Savings Deposit set out is 0.125% p.a. as quoted by the Bank currently and are for reference purposes only. The actual interest rate shall be subject to change from time to time by the Bank at its sole discretion. Flexi Plus HKD Savings Deposit Offer’s quota is limited and on a first-come-first-served basis. For transfer funds from Settlement Account to open Flexi Plus Sub-Accounts, please reserve one extra working day for settlement in case of cheque deposit into Settlement Account.。

Details of the latest promotion

Offers and rewards are subject to the terms and conditions, please refer to the applicable terms and conditions or contact our branches for more details.

To read “Flexi Plus” Account Mobile Banking Guideline, please click here.

To read “Flexi Plus” Account Internet Banking Guideline, please click here.

Flexi Plus Account Terms and Conditions: 
1.Flexi Plus Account is the specified savings deposit account that is qualified to enjoy the bonus interest rate offer.
2.Flexi Plus Account is only applicable to the sole account holder or the joint account holder (if the account is a joint-name account) who holds an Elite Club Account/ e-Age Banking Account/ Integrated Account (the “Eligible Customer”) of Industrial and Commercial Bank of China (Asia) Limited (the “Bank”).
3.Each Eligible Customer is entitled to open one Flexi Plus Account only. For the avoidance of doubt, if the sole account holder and the joint account holder (if the account is a joint-name account) holding the Elite Club Account/ e-Age Banking Account/ Integrated Account is the same person, he/she is entitled to open one Flexi Plus Account in his/her sole name or in joint name only.
4.The currency of Flexi Plus Account is denominated in Hong Kong Dollar only. Other foreign currency including Renminbi is not applicable. 
5.The Flexi Plus Account (the “Primary Account”) contains multiple Flexi Plus Sub-Accounts (the “Sub-Accounts”). The Primary Account is not the account for deposit or withdrawal of funds and is for identification purpose only. All the funds in the Flexi Plus Account are actually maintained in the Sub-Account(s).
6.Upon the opening of the Flexi Plus Account, the Eligible Customer must select the Hong Kong Dollar Savings Account of Elite Club Account/ e-Age Banking Account/ Integrated Account as a settlement account (the “Settlement Account”) for interest disbursement. This Settlement Account will be used as the account for deposit into and withdrawal from the Sub-Account(s).
7.The Eligible Customer can make an initial deposit into a Sub-Account under the Flexi Plus Account. Further deposit into the same Sub-Account is not allowed after the initial deposit. Each transaction of subsequent deposit into the Flexi Plus Account thereafter will trigger the opening of another new Sub-Account which will holds each subsequent deposit. For the avoidance of doubt, the Eligible Customer who participates in a promotion of the Bank’s bonus interest rate offer will open a Sub-Account for depositing the funds that fulfill the specified deposit requirement of each particular promotion, while such requirement is specified in the terms and conditions of the promotion.Each Sub-Account cannot be used for making further deposits. Withdrawal from Sub-Accounts must be credited to the Settlement Account.
8.The withdrawal of funds from the Sub-Account is subject to the relevant promotional terms and conditions of the bonus interest rate offer for deposit. Generally, partial withdrawal is allowed before the end of Bonus Period provided that the withdrawal must be transferred to the Settlement Account. If the Eligible Customer holds more than one Sub-Account, the Eligible Customer is required to select one of the Sub-Accounts for the withdrawal.
9.Interest calculation of a partially withdrawn deposit will be subject to the relevant terms and conditions of the bonus interest rate offer for deposit. Generally, it is calculated from the date of the funds deposited into the Sub-Account until the day before withdrawal. All the entitled interest (which may fall on a non-business day) will be credited to the Settlement Account.
10.If the credit balance of the Sub-Account is “zero” after withdrawal, the relevant Sub-Account will be automatically closed and all the entitled interest will be credited to the Settlement Account on the next day after withdrawal.
11.Another Hong Kong Dollar Savings Account of Elite Club Account/ e-Age Banking Account/ Integrated Account (except the closed account) must be selected as Settlement Account in case the Elite Club Account/ e-Age Banking Account/ Integrated Account which has been assigned as the Settlement Account needs to be closed, provided that the Flexi Plus Account is still valid. If there is no alternative Hong Kong Dollar Savings Account Elite Club Account/ e-Age Banking Account/ Integrated Account to be set as Settlement Account, the Eligible Customer must close the Flexi Plus Account together. The remaining funds and entitled interest will be credited to the Settlement Account, so that the Eligible Customer can withdraw the funds from the Settlement Account before the Settlement Account is closed.
12.The transaction record of Flexi Plus Account and Sub-Accounts will be shown on Monthly Statement, and can be reviewed via Internet Banking and Mobile Banking.
13.The signing authority of Flexi Plus Account must be the same as that of the Settlement Account.
14.ATM function is not offered for the Flexi Plus Account.
15.The Flexi Plus Account cannot be used as the settlement account of any investment products.
16.The Flexi Plus Account cannot be used for Direct Debit Authorization or Standing Instruction.
17.If the Flexi Plus Account does not have any transaction record and with zero balance for 23 months, the Flexi Plus Account will be automatically closed.
18.Funds in the Sub-Accounts are qualified for protection by the Deposit Protection Scheme in Hong Kong.
19.The Bank reserves the right to change, suspend and/or discontinue the Flexi Plus Account or to revise the relevant terms and conditions without prior notice.
20.The Flexi Plus Account, the Sub-Account(s) and the Settlement Account shall be also subject to the Master Terms and Conditions – Banking Services.
21.Any person or entity that is not a party to these Terms and Conditions shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce any part of these Terms and Conditions.
22.If there are any disputes, the decision of the Bank on all matters shall be final binding and conclusive.
23.In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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