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Money Safe is a deposit protective measure that aims to strengthen the prevention of financial losses caused by fraud and scam. Money Safe allows customers to lock part of or whole of the deposits in their bank accounts according to their needs. The protected funds cannot be withdrawn or transferred to anyone. If customers wish to release the protected funds, they have to visit our branches in person and complete verification procedures for releasing the funds.
Money Safe has been fully implemented and expanded to include additional application channels beyond branches. Customers can now apply through Personal Internet Banking/ Mobile Banking, and our hotline. Furthermore, the coverage of account types for retail customers has been extended to Fixed Deposit accounts, in addition to Current Savings and Checking accounts.
Key Features
Individual and Joint account holders can segregate an amount to be protected under Money Safe according to your personal requirements. Additionally, you may choose to setup Money Safe at the time of fixed deposit placement.
Once you have segregated an amount to be protected under Money Safe in your account, you are required to visit our branches in person and complete verification procedure to access, reduce or release the protected funds. For Fixed Deposits, if the maturity instruction is renewal, the renewed funds will remain locked upon renewal; if the maturity instruction is to uplift principal and/or interest, the uplifted funds will be automatically released from Money Safe protection on the maturity date and will be deposited into the customer's designated account.
Note: The protected funds under Money Safe cannot be used for any fund outflow through any channel whether online or offline, including withdrawal, fund transfer, autopay, direct debit authorization, standing instruction, loan or card repayment or payment of bank fees or charges.
Customer and Account types available for Money Safe
Money Safe is applicable to personal customers who are holding the following accounts (included individual and joint customers).
HKD Current Savings Account
HKD No Passbook Savings Account
HKD Checking Account
U.S. Notes Current Savings Account
Foreign Currency No Passbook Savings Account
Foreign Currency Checking Account
Student/Children Savings Account
Hong Kong Dollar Fixed Deposits Account
Foreign Currency Fixed Deposits Account
Current Savings & Checking Accounts
Currencies
Minimum Locked Amount by Money Safe (in original currency)
HKD
10,000
USD
1,500
CNY
10,000
GBP
1,000
AUD
2,000
NZD
3,000
CAD
2,000
CHF
1,000
JPY
200,000
EUR
1,000
SGD
2,000
Fixed Deposits Accounts
Currencies
Minimum Locked Amount by Money Safe (in original currency)
HKD
10,000
USD
5,000
GBP
5,000
AUD
10,000
NZD
10,000
CAD
10,000
CHF
10,000
JPY
1,000,000
EUR
5,000
CNY
10,000
SGD
10,000
Terms and Conditions
Terms and conditions apply. Please click the following and read carefully:
From 6 May 2025 to 30 June 2026, eligible customers who successfully set up protected funds in the designated HKD savings accounts under "Money Safe" can enjoy extra 1% HKD savings interest rate for such protected funds until 30 June 2027.
Terms of the promotion:
The Promotion period is from 6 May 2025 to 30 June 2026, both dates inclusive ("Promotion Period").
Eligible Customers can enjoy an extra 1% p.a. HKD savings interest rate until 30 June 2027 for maintaining such protected funds with balance of HKD10,000 or above in the designated HKD savings accounts.
Designated HKD savings accounts include "No Passbook Savings Accounts", "Current Savings Accounts" and "Student/Children Savings Accounts".
Extra interests shall be calculated on daily basis based on the balance of protected funds according to the extra HKD savings interest rate. Extra interests are settled once a month and credited into the designated account before the end of the following month. All account deposit balance shall be based on the record of the Bank. If the designated account is closed before the extra interests are credited to the account, the extra interests will be cancelled without prior notice.
The above interest rate is based on the interest rate of "Money Safe Extra 1% Savings Interest Rate Offer" quoted on 6 May 2025 by the Bank and is for illustration and reference purpose only. The actual interest rate shall be subject to the quotes of the Bank from time to time. The Bank reserves the right to amend the above interest rate offer at any time.
Offers are limited and available on first-come-first-served basis.
If Eligible Customers are entitled to the offer(s) in conjunction with other promotional offers, the Bank reserves the right to grant the Eligible Customers one of or part of the entitled offers only.
Remarks: Offers are subject to the applicable Terms and Conditions . For details, please refer to the Terms and Conditions or contact our staff.
