Overview

Savings Deposit manages your fund with flexibility and comprehensiveness

Our innovative integrated financial management concept enables you to manage your finances flexibly. With our multi-currency savings account, checking transaction details and balances has never been so easy.

Features

With a multi-currency statement / passbook savings account, you can manage deposits in Hong Kong Dollars, Renminbi and other different foreign currencies
Consolidate transaction records in a single statement
Account card for deposits and withdrawals
Interest is calculated daily and credited to your account every month to give you higher yields on your savings.

e-Cheque Drop Box

For presenting / depositing e-Cheque via HKICL's e-Cheque Drop Box, click here.

(You will enter a third party website by clicking this link and the Bank's privacy policy ceases to apply. This link is provided for your convenience only and shall not be regarded as an endorsement or verification of such linked website or its contents by the Bank. The Bank has no liability nor responsibility for your visit and use of any contents or services provided by the third party website via this link.)

Friendly Reminder: Definitions of Dormant Accounts

Any account with no transaction record for 2 consecutive years.
Please refer to HKAB's publication "Understanding Dormant Accounts" at the HKAB website.

Account Balance Notices

“Current Balance” and “Available Balance” may differ, as “Current Balance” may include uncleared cheques and frozen funds. To protect your interests, please read carefully and fully understand the differences between “Current Balance” and “Available Balance”.

“Current Balance”: Refers to the total balance in the account, including “Available Balance” and “Unsettled Balance”. “Unsettled Balance” means funds deposited but not yet settled into the account (including but not limited to uncleared cheques and frozen funds, etc.).
“Available Balance”: Refers to the amount after deducting “Unsettled Balance” from “Current Balance”, which is the actual funds available for immediate withdrawal or use in the account.

The balances shown in the Bank’s passbooks / statements / account summaries are all “Current Balance”, which may include unsettled or frozen funds that are temporarily unavailable for use. Such funds will generally be processed on the next business day (excluding Saturdays) or the designated settlement date. Please note that cheques return or refund may occur.

Understanding the differences between “Current Balance” and “Available Balance” will help in personal financial management and avoiding potential financial risks. Before making any withdrawal, transfer, or cheque issuance, please always verify the “Available Balance”.

You may check your account’s “Available Balance” by logging in to our Internet Banking /Mobile Banking or visiting any of our branches during office hours.

Useful Links

Customer Service

Customer Service Hotline: 226 99388

Please visit any of our outlets Please visit any of our outlets