Money / Banks
Bank of China
What Bank of China publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check Bank of China's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Current Account | – | – | – | No bonus |
| Current Account Statement | – | – | – | No bonus |
| Online Saver | – | – | – | No bonus |
| Online Saver Statement | – | 3.25% | 3.25% | The bank's data doesn't say. |
| Overseas Student | – | – | – | No bonus |
| Overseas Student Statement | – | – | – | No bonus |
| PassbookSaving AUD | – | – | – | No bonus |
| PassbookSaving AUD Statement | – | – | – | No bonus |
| PassbookSaving CNY | – | – | – | No bonus |
| PassbookSaving CNY Statement | – | – | – | No bonus |
| PassbookSaving HKD | – | – | – | No bonus |
| PassbookSaving HKD Statement | – | – | – | No bonus |
| PassbookSaving USD | – | – | – | No bonus |
| PassbookSaving USD Statement | – | – | – | No bonus |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Discount Home Loan (With Principal and Interest Repayment) | 6.18% | 6.38% |
| Discount Plus Home Loan (with Principal and Interest Repayment) | 6.18% | 6.56% |
| Fixed Rate Home Loan (With Principal and Interest Repayment) | – | – |
| Standard Variable Rate Home Loan | 8.64% | 8.71% |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| Bank of China Global UnionPay Card | 19.99% | $60 | $460 |
| Bank of China Great Wall International MasterCard Credit Card (Gold Card) | 19.99% | $100 | $500 |
| Bank of China Great Wall International MasterCard Credit Card (Low Fee Card) | 19.99% | $20 | $420 |
| Bank of China Great Wall International MasterCard Credit Card (Low rate Card) | 19.99% | $40 | $440 |
| Bank of China Great Wall International MasterCard Credit Card (Student Card) | 19.99% | $20 | $420 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Basic Transaction Account Savings and transaction accounts
- Discount Home Loan (with Interest Only Repayment) Home loans
- Discount Investment Home Loan (with Interest Only Repayment) Home loans
- Discount Investment Home Loan (With Principal and Interest Repayment) Home loans
- Discount Plus Home Loan (with Interest Only Repayment) Home loans
- Discount Plus Investment Home Loan (with Interest Only Repayment) Home loans
- Discount Plus Investment Home Loan (with Principal and Interest Repayment) Home loans
- Fixed Rate Home Loan (With Interest Only Repayment) Home loans
- Fixed Rate Investment Home Loan (With Interest Only Repayment) Home loans
- Fixed Rate Investment Home Loan (With Principal and Interest Repayment) Home loans
- Home Loan Offset Account Savings and transaction accounts
- Special Term Deposit AUD 12M Term deposits
- Special Term Deposit AUD 3M Term deposits
- Special Term Deposit AUD 6M Term deposits
- Special Term Deposit CNY 12M Term deposits
- Special Term Deposit CNY 3M Term deposits
- Special Term Deposit CNY 6M Term deposits
- Standard Investment Variable Rate Home Loan Home loans
- Term Deposit AUD 10M Term deposits
- Term Deposit AUD 11M Term deposits
- Term Deposit AUD 12M Term deposits
- Term Deposit AUD 15M Term deposits
- Term Deposit AUD 18M Term deposits
- Term Deposit AUD 1M Term deposits
- Term Deposit AUD 2M Term deposits
- Term Deposit AUD 2Y Term deposits
- Term Deposit AUD 3M Term deposits
- Term Deposit AUD 3Y Term deposits
- Term Deposit AUD 4M Term deposits
- Term Deposit AUD 4Y Term deposits
- Term Deposit AUD 5M Term deposits
- Term Deposit AUD 5Y Term deposits
- Term Deposit AUD 6M Term deposits
- Term Deposit AUD 7D Term deposits
- Term Deposit AUD 7M Term deposits
- Term Deposit AUD 8M Term deposits
- Term Deposit AUD 9M Term deposits
- Term Deposit CNY 12M Term deposits
- Term Deposit CNY 3M Term deposits
- Term Deposit CNY 6M Term deposits
- Term Deposit HKD 12M Term deposits
- Term Deposit HKD 1M Term deposits
- Term Deposit HKD 2M Term deposits
- Term Deposit HKD 3M Term deposits
- Term Deposit HKD 6M Term deposits
- Term Deposit HKD 7D Term deposits
- Term Deposit USD 12M Term deposits
- Term Deposit USD 1M Term deposits
- Term Deposit USD 2M Term deposits
- Term Deposit USD 3M Term deposits
- Term Deposit USD 6M Term deposits
- Term Deposit USD 7D Term deposits
- Term Deposit XXX Term deposits
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: Bank of China product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at Bank of China, which has the current details.