Hong Kong Customer Brunei Customer

Hong Kong Customer
Account Overview
Transaction Record
Consolidated Asset Portfolio

Account Overview

  1. You can enquire both ledger balance and available balance of HKD Savings, HKD Current, Renminbi Savings, Renminbi Current, USD Current and Multi-Currency Accounts.

  2. [Ledger Balance] = [Available Balance] - Available Overdraft Limit - Available Credit Limit + All Float Amount (such as clearing cheque float, electronic clearing float, CCASS float) + Hold Amount
    (For Fixed Deposit, [Ledger Balance] = [Principal Amount])
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Transaction Record

  1. You may enquire your transaction records of the last 45 days. (Private Wealth / Wealth Management / Enrich Banking / i-Free Banking customers can enquire transaction records of the last 90 days.)

  2. In general, transactions completed on Sunday or the public holiday will be counted on the next business day.
  3. For BOC Card dispute transaction and refund mechanism issue, please click here.
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Consolidated Asset Portfolio

(Exclusively available to Private Wealth / Wealth Management / Enrich Banking / i-Free Banking customers)

  1. Definition of "Total Relationship Balance":
    • Includes the monthly value of the following items under the customer's name:
      (i) The average amount of the total day-end balance of the deposit balance in the savings and current accounts, the principal amount of time deposits, contributed amounts of the Club Deposits, value of the investment assets1(including Securities2, Securities Margin, Bonds, Certificate of Deposit, Funds, Structured Notes, Equity Linked Investments, Currency Linked Investment, Structured Investment, Investment Deposit, Precious Metal / FX Margin, Precious Metals), utilised overdraft balance under the current accounts, life insurance plan3, outstanding balance of other loans4 and the vested balance of the Mandatory Provident Funds ("MPFs")5; and
      (ii) Mortgage payments6, outstanding balance and un-post installment balance under the BOC Credit Card7 and the "Total Relationship Balance" of the Master Customer of "Business Integrated Account" 8.
    • The "Total Relationship Balance" under the customer’s name includes the "Total Relationship Balance" of all his/her sole-name and joint-name accounts. Actual monthly calculation period starts from the last business day of the previous month to the day before last business day of the prevailing month.
    • All foreign currency balances are calculated based on exchange rates quoted by the Bank from time to time.
    • The relevant calculation results shall be subject to the Bank’s records.

    1 The Bank calculates the daily market value according to the features of investment products. Unsettled bought quantities of the stock are excluded while securities collateral is included.
    2 Local listed securities (including securities settled in Hong Kong Dollar and non-Hong Kong Dollar), China A shares, US securities, specified Singapore listed securities (The value of the specified Singapore listed securities would be calculated on the basis of the closing price at the end of the previous month).
    3  Only apply to in force life insurance plans distributed by the Bank as an insurance agent with details as follows:
    (i)  By January 2020 or before, life insurance policies are calculated based on the cash value of the policies;
    (ii)  From February 2020 onwards, Investment-linked life insurance plans and "HKMC Annuity Plan" underwritten by HKMC Annuity Limited are calculated based on the Policy Value of the policies ; Other life insurance policies are calculated based on the Policy Value or Accumulated Net Premium Paid for the policies, whichever is higher;
    (iii)  The Bank reserves the right to update the scope of in force life insurance plans from time to time, without prior notice to customers.
    4 Other loans refer to the loan products provided by BOC Credit Card (International) Limited (“Card Company”) or the Bank excluding the overdraft under the current accounts, mortgage loans and the payments and un-post installment balance under the BOC Credit Cards.
    5 Only apply to the MPFs with BOCI-Prudential Trustee Limited as the Trustee.
    6 (i) Excludes any prepayment amount; (ii) For the "All-You-Want" Mortgage Scheme, the next monthly minimum payment will be counted; (iii) For the Reverse Mortgage Scheme, the monthly payout amount is counted, except the first monthly payout amount.
    7 BOC Credit Cards refer to the credit cards issued by Card Company.
    8 Only apply to the sole proprietorships owned by the personal customers (for sole-name account only) who maintain Wealth Management service with the Bank. Such sole proprietorship holds the “Business Integrated Account” with the Bank and the customer has registered with the Bank to add the "Total Relationship Balance" of the Master Customers to his/her individual “Total Relationship Balance”. For the details of “Total Relationship Balance” of “Business Integrated Account”, please refer to the relevant product leaflets and terms for the services.

  2. Total Asset Value
    • "Total Asset Value": the sum of "Deposit" and "Investment".
    • "Total Asset Value of the last month's Statement": the total asset value shown on the last month's statement.

  3. Personal Customer Hotline
      Bank Personal Customer Hotline
      Bank of China (Hong Kong) Limited (852) 3988 2388
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Brunei Customer
Account Overview
Transaction Record
Personal Customer Hotline

Account Overview

  1. You can enquire both ledger balance and available balance of Multi-Currency Accounts, BND Current Account, other Savings Accounts and Current Accounts*.

  2. [Ledger Balance] = [Available Balance] - Available Overdraft Limit - Available Credit Limit + All Float Amount (such as clearing cheque float) + Hold Amount
    (For Fixed Deposit, [Ledger Balance] = [Principal Amount])

*Physical cheque are only applicable to BND current accounts.

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Transaction Record

  1. You may enquire your transaction records of the last 45 days.

  2. In general, transactions completed on Sunday or the public holiday will be counted on the next business day(Subject to Hong Kong Holidays).
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Personal Customer Hotline
  1. Personal Customer Hotline
      Bank Personal Customer Hotline
      Bank of China (Hong Kong) Limited (Brunei Branch) (673) 245 9888
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