Service Philosophy

BOC Wealth Management refers to the advisory wealth management services provided by Bank of China to its clients. Leveraging the diversified business strengths and international market operation experience of BOC group, it offers a wide range of products and professional wealth management services across various fields, including funds, stocks, insurance, and bonds. These services are designed to provide clients with expert advice and support for the preservation and growth of their assets.

Target Clients

Individual clients with an average daily financial asset balance over a one-month period equivalent to 1 million yuan ($141.42 thousand) (inclusive) to 6 million yuan (exclusive) at the bank.

Notes: After becoming a BOC Wealth Management VIP client, if the financial assets do not meet the above standard for six consecutive months, the client will no longer be entitled to the service rights and benefits corresponding to that level of BOC Wealth Management.

Products and Services

(1) Preferred Products

Investment and consumption financing products: BOC has curated an open product platform for the entire market, selecting high-quality managers from both within and outside BOC Group. BOC offers a wide variety of investment product options, including public funds, wealth management products, insurance, and precious metals. Additionally, the clients can choose from BOC's comprehensive, secure and convenient consumption financing products according to their needs, including credit cards and related installment services, as well as personal loans.

Cross-border financial products: BOC, as the most internationalized Chinese commercial bank, has been constantly innovating its products and service models. Relying on market-leading professional capabilities and a comprehensive business platform, BOC offers "one-stop, worry-free" cross-border financial services, including a full range of professional products and services, including cross-border remittances, foreign exchange settlement and sales, foreign currency cash reservations, certificates of deposit, and agent account opening witness. 

(2) Exclusive Services

① "One-to-one" consultant service: The client will have a dedicated wealth manager who integrates relevant industry and financial professional information to provide differentiated and valuable professional analysis. The managers tailor personal and family life wealth planning and investment portfolio solutions, monitor fluctuations in portfolio returns, and offer dynamic management and adjustment recommendations for product allocations based on the clients’ needs and market changes.

② Comprehensive investment information: BOC integrates the global research capabilities of BOC Group, positioned to analyze global political and economic hotspots, gain insight into China's economic dynamics, assess major asset class trends, and formulate asset allocation strategies. Through the BOC Investment Strategy series of reports, BOC offers investment strategy information across all time frames — daily, weekly, monthly, quarterly, and annually — and across all asset classes, including stocks, bonds, foreign exchange, and commodities. This service assists the clients in achieving the preservation and appreciation of their entire assets throughout life cycle, offering end-to-end service support and full-process companionship.

③ Exclusive service space: BOC has established over 1,000 wealth management centers across China, where the clients can purchase products, consult on business, as well as meet their financial service needs in a comfortable and private environment.

④ VIP online banking: The clients can enjoy secure, convenient financial services without leaving home anytime.

⑤ Exclusive VIP hotline: Dial the VIP service hotline on 40068-95566. After identity verification, the clients will be directly connected to a customer service representative for various needs, including business enquiries and service appointments.

(3) Exclusive Privileges

① Exclusive VIP benefits: The clients enjoy exclusive benefits, including fee waivers and discounts on various products and services, such as cross-border remittances, certificates of deposit, account opening witness, and safe deposit boxes.

② Exclusive points service: BOC has created an exclusive points-based customer rewards program, with a dedicated points service mall established to meet the clients’ needs for redeeming and utilizing rewards.

For more details, please download and log in to the BOC mobile banking app and go to the "Exclusive Privileges" page to enquire.