DreamCash Balance Transfer 

Consolidate your outstanding credit card and personal loan balances to a single account for better financial management.  

Loan Features

# The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.

Promotion Offers

Customers have successfully applied DreamCash Balance Transfer during the promotion period¹ and drawdown by using the account in the Bank  for disbursement and repayment on or before 30 April 2024 can enjoy up to HK$200 Spending Reward³ for loan drawdown*

Terms and Conditions for Promotion Offers

Interest Saving Tips

Assuming your credit card outstanding balance is HK$200,000, you can save up to 90%^ total interest expense by using DreamCash Balance Transfer. 

^This example is calculated based on loan amount or credit card outstanding of HK$200,000. Assuming the monthly repayment amount is 4% of statement balance or HK$50 (whichever is higher), the first 60-month average monthly repayment amount with a monthly interest rate of 2.50% is HK$5,431.98, and the total interest expense is HK$345,319.34, with the total repayment instalments of 378 months and APR 34.49%. If DreamCash Balance Transfer is used to repay such statement balance, with 60 months repayment tenor, 0.185% monthly flat rate and 1% handling fee of loan amount per annum, the APR is 6.53% and the total interest expense (including handling fee) is HK$32,200.00, the interest is saved up to 90%. Example is for reference only, actual total interest saved is subject to credit condition of different customers.

 To Borrow or not to borrow? Borrow only if you can repay!

Click Here to Download Application Form

Credit Reference Matters: 1.The Bank subscribes “TransUnion” credit reference services. Enquiry please contact “TransUnion” at (852)2577 1816. 2.The Bank will share the relevant consumer credit data of customer with “Multiple Credit Reference Agencies”. Selected Credit Reference Agencies (Include TransUnion, Nova Credit Limited and PingAn One　Connect Credit Reference Services Agency(HK)) would share the information held by “Multiple Credit Reference Agencies ”. 3.Customer is entitled to request for a Credit Report from each selected Credit Reference Agency without charge every 12 months respective to each Selected Credit Reference Agency.

DreamCash Personal Loan Terms & Conditions and the Bank's "Notice to Customers relating to the Personal Data (Privacy) Ordinance”

Key Facts Statement (KFS) for Instalment Loan

The Apportionment of Principal and Interest and Early Repayment Charge

Required application documents