The Most Comprehensive & Quality RMB Banking Services
Manage your finances in Hong Kong and in Mainland China more leisurely
   
At Dah Sing Bank, we always take the initiative to provide you with diversified products and professional banking services. To meet customer demand for RMB services, Dah Sing Bank now provides you with the most comprehensive RMB Banking Services in the town. Enjoy a full range of comprehensive and high quality RMB services whether you are in Hong Kong or Mainland China.
  		• With a single card, you may enjoy the exclusive services of withdrawing cash or making purchases in both Hong Kong and in Mainland China.
  		• Customers may simply open a HKD account and apply for a Dah Sing HKD Card to withdraw cash from the HKD Account in Mainland China. Customers with an RMB Account may also apply for a Dah Sing RMB Card to withdraw cash from their RMB Account in Mainland China. By doing so, no price difference for the exchange will be applied.
    Dah Sing HKD Card   Dah Sing RMB Card  
     
  		• Provides you with RMB Savings and Fixed Deposit services1
  		• Preferential interest rate
  		• Customers may manage their deposits and transfer funds flexibly and conveniently through Dah Sing branches in Hong Kong, through online e-banking services or by using phone banking services.
  		• RMB Current Account2 provides you with RMB cheque book free of charge
  		• Integrates benefits of savings interest with a preferential interest rate same as RMB Savings Account.
     
  		• Customers can issue cheques in Guangdong Province (including Shenzhen) for payment of consumer spending.
  		• A monthly statement will be provided to clearly show all your account transaction details.
     
  		• One-stop RMB auto-exchange and RMB fixed deposit auto-placement services with no service fee.
  		• Customers may simply place a single instruction at any Dah Sing branch, and we will automatically transfer the relevant funds from customers' HKD deposit accounts to their RMB savings accounts daily, according to the total targeted RMB amount to be exchanged and the daily exchange amount set by customers.
  		• Customers may also choose RMB fixed deposit auto-placement upon completion of RMB auto-exchange and transfers, to enjoy our exceptionally high RMB fixed deposit interest rate. No extra instruction is necessary.
     
  		• RMB-to-HKD and HKD-to-RMB exchange service.
  		• Preferential exchange rate.
  		• Dah Sing Bank customers may enjoy a waiver on note exchange handling fee.
     
  		• Outward remittance of RMB funds to a Mainland account.
     
  		• For customers needing to remit funds from Mainland banks back to Hong Kong, we also provide the service to receive such funds.
     
  		• Withdraw RMB notes via all Dah Sing ATMs4 with no service fee.
     
  		• Great popularity among merchants who accept a Card with the . Such vast coverage takes care of your daily needs.
  		• Convenient and efficient 24-hour RMB withdrawal service through the ATMs network with the .
  		• For every purchase, earn bonus points to redeem fabulous gifts.
     
       
     
  		• Through our innovative "RMB Markup Bonus", you can enjoy an RMB Savings rate of up to 0.82% p.a.
  		• If customers open an i-Account and subscribe investment funds at the same time, the RMB deposit balance of the i-Account will automatically enjoy an extra RMB interest rate of 0.32% p.a.
     
    Services Selected
    RMB Savings Rate (p.a.)
    i-Account
    Standard RMB Savings Rate, currently at 0.5% p.a.
    i-Account + New Investment Fund Subscription
    RMB Savings Rate + 0.32% p.a. = 0.82% p.a.
     
    Note : The offer is applicable to the RMB deposit balance of Dah Sing i-Account or VIP i-Account or Character Consolidated Account. The above interest rate will not exceed the RMB interest rate offered by the RMB Clearing Bank to the Participating Bank in Hong Kong.
     
     

    To enjoy quality and convenient RMB banking services, please visit any Dah Sing Branch to open an account now.

     
    Enquiry Hotline: 2828 8000
     
    Remark
    1. The initial deposit amount for an RMB savings account is as low as RMB100; the minimum deposit amount for RMB fixed deposits is RMB10,000. RMB Savings Account / RMB Current Account holders who maintain an average monthly balance of HK$5,000 or above will enjoy a waiver on the relevant low-balance account maintenance fee. The calculation for average balance includes the balances of customers' other accounts at Dah Sing Bank. For details, please contact our branches.
    2. The initial deposit amount for an RMB Current Account is as low as RMB1,000, and the account balance must not exceed RMB 80,000. Customers who open an RMB Current Account must hold an RMB Savings Account in our Bank at the same time.
    3. The relevant services are applicable to individual customers only. The daily limit for the exchange of HKD-to-RMB per customer is RMB 20,000.
    4. All Dah Sing ATMs and selected JETCO ATMs provide RMB cash withdrawal services. The services of RMB cash withdrawal via Dah Sing ATMs are applicable to Dah Sing Bank customers only. When using Dah Sing ATMs, customers may choose to debit the amount from their RMB account or HKD account. The maximum withdrawal amount per day is RMB 10,000.
    5. For details and terms and conditions of all of the above services and charges, please contact our Branch staff. Dah Sing Bank reserves the right to amend the above services without prior notice. In the event of a dispute, the decision of the Bank Shall be final.
     
     
  		• RMB account holders must be individual customers who are HK Identity Cardholders aged 18 years or older and Designated Business Customers1 in Hong Kong.
  		• Individual customers are allowed to deposit RMB exchanged from Hong Kong Dollars or in RMB banknotes
  		• Designated Business Customers are allowed to deposit in RMB banknotes only
  		• The interest of RMB Savings Account will be calculated on the daily closing balance and paid monthly. The day basis for interest calculation is 360.
  		• For banknotes deposit, only RMB banknotes in denominations of RMB10, 20, 50 and 100 of Series 4 & Series 5 will be accepted. RMB coins and other denominations will not be accepted.
  		• Overdraft, cashier order, lending services and inter-bank transfer will not be provided in the meantime.
     
  		• The services are only applicable to individual customers who are HK Identity Cardholders aged 18 years or older.
  		• Each customer is only allowed to open one RMB Current Account in our Bank.
  		• The daily aggregate payment amount for each Current Account must not exceed RMB 80,000.
  		• The interest of the Current Account will be calculated on the daily closing balance and will be paid monthly. 
  		• The day basis for interest calculation is 360.
  		• An overdraft is not allowed for a Checking Account.
  		• Cheques are non-transferable.
     
     
    (1) Type of Customers Eligible for Exchange Service

    Hong Kong-designated business customers    1
  		• Only RMB-to-HKD one-way exchange service will be provided

    Individual Customers
  		• RMB & HKD two-way exchange service will be provided.
  		• The maximum exchange amount in cash per transaction is RMB20,000
  		• Only RMB banknotes in denominations of RMB10, 20, 50 and 100 of the Series 4 & Series 5 will be accepted. RMB coins and other denominations will not be accepted.
     
    (2) Exchange through Account by Individual Customers
  		• Only for exchange between HKD & RMB
  		• The maximum exchange amount per person per day is RMB 20,000 and this limit includes the total exchange amount via any channels (including branches, internet banking and phone banking, etc.) E.g. If a customer needs to transfer HK$50,000 into a RMB account, he/she needs 3 banking days to transfer all the funds.
  		• The daily limit for the exchange of HKD-to-RMB and exchange of RMB-to-HKD will be calculated separately. This means, within the same day, customers can exchange HKD into a maximum of RMB 20,000 and at the same time exchange RMB 20,000 into HKD.
     
  		• Outward remittance of RMB funds to a Mainland account will be provided to personal customers .
  		• Remitters must be RMB deposit account-holders.
  		• The remitter and the beneficiary should be in the same name
  		• The maximum amount per person per day is RMB 80,000. If the aggregate remittance amount exceeds such limit, the remittance instruction will be rejected and the reject payment will be returned in full amount.
  		• When applying for the outward remittance, customers need to provide the standard Chinese code of their Chinese names.
  		• Outward remittance service will be provided from Mondays to Fridays. No services will be provided on Saturdays, Mainland Holidays and Hong Kong Holidays. For the service hours, please contact our branches.

    Remark
    1. Hong Kong Designated Business Customers is applicable for :
      - Including Hong Kong commercial establishments that provide retail, catering, accommodation, transportation services, communication services, medical services and educational services.
      - Have had business relationship with the Bank for more than 3 years. Customers with less than 3 years of business relationship will be accepted if there is concrete evidence to certify that they have been engaged in relating services.
      - Excluding money changers, property agents, stockbrokers, financial institutions and gambling establishments.
      - Dah Sing Bank reserves the right to refuse to provide the relevant services.