投米 vs BOCHK 中銀香港

投米APP是聚焦中高产阶层的数字化服务平台，以用户生命周期为核心，构建「场景化智能服务+数据驱动运营」的双轮引擎。通过多维场景生态矩阵：精准画像系统、场景化服务、智能推荐引擎，实现精准服务再进化。

BOCHK Mobile Banking Live Easy, Control Smartly Bank Account Opening, Wealth Management, Investment and Spending All in One App 【One-stop to Take Care of All Your Financial Needs】 ．Account opening: With just a HKID card and address, you can open an account without visiting a branch. Account opening can be completed in a few minutes. ．Money transfer: Funds can be transferred via FPS instantly. ．Bill payment: Pay bills for over 850 merchants, with the flexibility to choose between paying with your account or credit card. You can also set reminders, schedule regular payments, and authorize direct payments, making bill management more convenient. ．Time deposit: Flexibly choose from a variety of multi-currency time deposit plans to help you save and grow your money for the future. ．Investment: Trade Hong Kong stocks, China A shares, US stocks, funds, foreign exchange, bonds, and apply for IPOs in one app. A series of investment tools, such as Stock and FX widgets, PickAStock, PlanAhead and Smart Invest help you invest more strategically. ．Credit card: Check your credit card points and enjoy privileges on dining, shopping, and entertainment. You can also check your card balance and choose to pay in installments. ．Insurance: Easily purchase travel, savings, life protection, critical illness, and home insurance, and check your policy information at any time. ．Personal loan: "BOC Express Cash" allows for easy application and low-interest loans. You can choose the repayment period according to your preference. ．Cross-border: With "BOC Remittance Plus," cross-border remittances are free and fast. "BOC Cross-boundary Wealth Management Connect" meets your cross-border wealth management needs. ．Online customer service: 7x24 online customer service to answer your personal banking inquiries. 【Go Green with Green Financial Services】 ．BeLeaf: Provide you with green financial tips monthly, adding more fun and green inspiration to your life. ．e-Statements: e-Statements/e-Advice will be retained between 12 months and up to 7 years, with no need to store or organize a large number of paper documents. ．Mobile Token: Use mobile token and biometric authentication instead of physical “securities device” for authentication, making it environmentally friendly and secure. 【Contact Us】 Website：www.bochk.com Instagram Official Account：bankofchinahongkong Address：Bank of China Tower, 1 Garden Road, Hong Kong Reminder: To borrow or not to borrow? Borrow only if you can repay! Investment/foreign exchange involves risk. The above products and services are subject to the relevant terms. For details, please contact the staff of Bank of China (Hong Kong) Limited (“the Bank”). BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the insurance company and the customer. For interest, fees and charges, please refer to Key Facts Statement and Conditions for Services available at our website and our app for details of “BOC Express Cash”. The App, any related materials and other products and services provided through the App are not intended for download, use or access by any person in any jurisdiction where such download or use would be contrary to any applicable law or regulation of that jurisdiction or where we're not licensed or authorized to provide the App or any related materials, or in any jurisdiction that is subject to any sanction regime.