Cross-Border Banking with Bank of China | Generated by AI
Cross-Border Services: Bank of China (Hong Kong) to Bank of China (Mainland China)
Bank of China (Hong Kong) Limited (BOCHK) is part of the Bank of China (BOC) group, enabling smooth cross-border access between HK and Mainland China. You can withdraw cash via ATM or transfer funds electronically from a BOCHK account to a BOC account in China. Both are supported for personal banking, with low or no fees for group-internal transactions. Activate overseas ATM functions in advance via the BOCHK app, phone (+852 2853 8828), or branch, as they’re often preset to zero for security. All info based on 2025 tariffs; confirm via your account for updates.
ATM Withdrawals
Yes, you can withdraw RMB (CNY) at BOC ATMs in Mainland China using your BOCHK ATM/debit card (e.g., BOC Card or UnionPay-linked). Transactions debit your HK account (HKD or RMB equivalent) with conversion at BOCHK’s rate if needed. No foreign transaction fee for BOC Mastercard Debit Cards.
| Aspect | Details | Fees (per transaction) | Notes |
|---|---|---|---|
| Eligibility | BOC Card (HKD/RMB) or dual-currency UnionPay card via CUP network. Limits: RMB 2,500–3,000 per withdrawal; daily up to HKD 20,000 equivalent. | HKD 0 at BOC ATMs (group waiver). | Mainland China is “overseas” for HK cards; use BOC branches to avoid third-party surcharges (RMB 10–15 elsewhere). |
| Activation | Required; set daily limit/period via app/ATM. | N/A | Preset to HKD 0; activate for Flexible Account Management if debiting HKD. |
| Currency | Withdraw RMB; auto-converted from HKD if applicable. | FX markup: 0–1% (BOCHK rate). | Decline DCC at ATM to use home rate. |
For card-specific fees, check BOCHK’s service charge table.
Fund Transfers
Yes, transfers are efficient and often free via group channels like BOC Remittance Plus or BOC Express. Use app, online banking, or branch for near-instant delivery to BOC China accounts. Supports HKD, RMB, or USD; personal accounts qualify.
| Method | Description | Time | Fees | Notes |
|---|---|---|---|---|
| BOC Remittance Plus / BOC Express | Direct to BOC China same-name accounts via app/e-banking. | <5 minutes (24/7). | HKD 0 (waived for personal). | Fastest for RMB/HKD; no telegraph fees; limit up to HKD 1M/day. |
| Telegraphic Transfer (TT/SWIFT) | For HKD/RMB to any BOC branch. | Same-day (cut-off 5 PM HK time). | HKD 65 (online) or HKD 240 (branch); waived via Express. | Use for larger/non-same-name; possible RMB 50 correspondent fee. |
| BoC Pay+ Cross-Border | App-based HKD to RMB conversion. | Instant. | HKD 0. | 365-day availability; auto FX. |
- Two-way: Inward transfers to BOCHK also supported with notifications.
- Limits: Daily up to HKD 1M; higher for VIP/wealth management. SAFE rules in China may need ID for >RMB 50K.
- Alternatives: FPS for HK-local, then remit (free + remittance fee); Alipay/WeChat P2P for small amounts.
Log into BOCHK e-banking or contact support for exact quotes. Regulations can affect large transfers.
References
- BOCHK General Service Charges
- BOCHK Remittance Services
- BOC Remittance Plus
- HK Banks Transfer Summary