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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 The protected funds cannot be withdrawn or transferred to anyone.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 will be implemented in phases, and will initially be piloted in branches and cover the designated customers.
Key Features
Visit our branches in person to request to protect fund(s) by Money Safe.
Once you have segregated an amount to be protected under Money Safe, you are required to visit our branches in person and complete verification procedures to release your funds under Money Safe.
Note: The protected funds under Money Safe cannot be used for any transactions including withdrawals, bill payment, autopay, pay and transfer, scheduled or recurring payments and all account fees, except customers visit branches in person to release the funds. Please ensure to maintain sufficient available funds to avoid any late fees and overdue interest.
Eligible Customer
In the initial phase, Money Safe is piloted to cover following designated customers:
Seniors (account holders aged 65 or above) or
Account holders under the age of 18 or
Persons with intellectual disabilities and dementia patients or
Account holders of Student/children savings accounts
Account types available for Money Safe
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 accounts
Terms and Conditions
Terms and conditions apply. Please click the following and read carefully:
From 6 May 2025 to 31 July 2025, 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 31 July 2025, 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 general interest payable will be settled before the account is closed. 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.
