“Personal Integrated Banking Service” (“the Service”) is only applicable to personal banking customers.
Certain services are only applicable to customers who meet the age requirement. “Personal Integrated Banking Service” customers aged 11 or above can enjoy the following services through Internet Banking, Mobile Banking and Phone Banking: account balance enquiry and electronic statement enquiry (only applicable to Internet Banking); “Personal Integrated Banking Service” customers aged 16 or above even can enjoy the service of foreign currency exchange, time deposit placement and payment for designated bill (only applicable to Internet Banking) etc. through Internet Banking, Mobile Banking and Phone Banking. “Personal Integrated Banking Service” customers can enjoy the full range of Internet Banking, Mobile Banking and Phone Banking services automatically at the age of 18 or above.
Nanyang Commercial Bank, Limited (“NCB” / “The Bank”) reserves the right to amend, suspend or terminate the products, services and offers, or amend their terms and conditions and this service guide at its sole discretion without prior notice.
Products, service and offers provided by NCB are subject to terms and conditions. The promotion periods of certain offers may vary. For details, please refer to relevant Conditions and Rules of the Service, the Service Information, Guides and Fee Schedule or contact the staff of the Bank.
The material and information contained on this webpage should be read in conjunction with the relevant product document (If any).
This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.
For enquiries relating to NCB’s terms and conditions and those which are not contained on this website, please visit your nearest branch or call our customer service hotline on (852) 2616 6628.

This Service Guide does not constitute any offer, solicitation, recommendation, comment or any guarantee to any person to buy, sell, subscribe or deal in any investment products or services contained herein. Investment products are not principal-protected. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to the rapid changes in the market, the price movement and volatility of investment products may not be the same as expected by customers. Customers' fund may increase or reduce due to the purchase or sale of investment products. The loss incurred from the investment may be the same or greater than the initial investment amount; the proceeds may also change accordingly. Part of the investment may not be able to liquidate immediately under certain market situation. Before making any investment decisions, customers should consider their own financial situation, investment objectives and experience, willingness and ability to bear risks, and understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read the relevant offering documents carefully. Customers should seek professional advice from an independent financial adviser.