Service Philosophy

Adhering to the principle of "Customer First, Professional Service", and leveraging over 8,000 of BOC’s wealth management centers nationwide, BOC’s professional wealth managers and investment research experts provide the clients with "one-on-one, market-wide" wealth management services and product selections. These services are designed to provide clients with expert advice and comprehensive support for the allocation, preservation and growth of their assets.

Target Clients

 (1) Individual clients with monthly/daily average financial assets at BOC reaching the equivalent of RMB 200,000 (inclusive) to less than 1,000,000 yuan ($141.42 thousand);

 (2) Individual clients with an outstanding personal loan balance at BOC reaching the equivalent of 500,000 yuan or more;

 (3) Individual clients whose cumulative credit card spending at BOC in the preceding 12 months reaches the equivalent of 100,000 yuan or more (excluding large one-time transactions of 100,000 yuan or more, such as property, vehicle, or home improvement purchases, and spending at zero-discount-rate merchants).

Note: 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.

3. Products and Services

 (1) Preferred 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.

 (2) Cross-Border Financial Services

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, such as cross-border remittances, foreign exchange settlements and sales, foreign currency cash reservations, certificates of deposit, and agent account opening witness.

 (3) Preferential Fees

The clients will enjoy preferential treatment with fee waivers and reductions on a variety of products and services, including cross-border remittances, certificates of deposit, safe deposit boxes and more.

 (4) Exclusive Channels

① Wealth Management Centers: BOC has established over 8,000 wealth management centers in the Chinese mainland, where the clients can purchase products, consult on business, as well as meet their financial service needs in a comfortable and private environment.

② VIP online banking: The clients can enjoy secure, convenient financial services without leaving home anytime.

 (5) "One-to-one" Consultant Service

A dedicated wealth manager will provide professional financial services to the clients, including asset allocation, after-sales services, professional investment consulting, market dynamics analysis, and financing/loan services.

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