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Personal Internet Banking(C)
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Personal Internet Banking(P)
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Assets Management with Orient Card
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Assets Management with Orient Card refers to a series of special services SPDB provides for Orient Card holders.
| |  Agreed Business | | |
An Orient Card holder may apply to transfer the remaining balance of his/her orient card (current reserve account) to the agreed term deposits account (Lump-sum Deposit & Lump-sum Withdrawal service) on the agreed date. When the current reserve account balance is not enough to pay the card holder's withdrawals or consumption settlement, the bank will automatically transfer the money from the agreed term deposits account to the current reserve account.
- Agreed Term Deposits Tenor
At present, two types are available: 3 months or 1 year). It's up to the client to choose.
- Processing of Agreed Term Deposits Business
(1) Agreed Term Deposits could be automatically processed on the 25th every month.
(2) The principal and interest after tax of the term deposits will be both automatically transferred on the due date into the succeeding term deposits account.
(3) When the current reserve account balance is not enough to pay off the card holder's withdrawal or consumption settlement, the bank will automatically transfer the needed sum of money from the agreed term deposits account to the current reserve account. The needed sum of money will be the principal and the interest after tax and be transferred according to "last in, first out" principle. Designated business | | |
Cash withdrawals can be made according to the card holder's order.
- Following businesses can be made with Orient Card:
(1) Lump-sum Deposit & Lump-sum Withdrawal both in RMB and FX
(2) FX Current Savings
(3) Monthly Small-Sums Deposit & Lump-sum Withdrawal
(4) Education Savings
(5) Lump-sum Deposit & Monthly Interest Withdrawals
- FX Current Savings Currencies
SPDB offers current savings in 9 currencies: GBP, HKD, USD, CHF, SGD, JPY, CAD, AUD, EUR (the exact currencies acceptable are subject to the specific branch's stipulations).
FX accounts may be further classified into two types, namely, the foreign exchange type and the foreign currency bank note account.
- Pledge loan with Orient Card
Pledge loan with Orient Card is a loan facility pledged with the RMB and FX term deposits outstanding balance in your Orient Card (including Lump-sum Deposit & Lump-sum Withdrawal and Lump-sum Deposit & Monthly Interest Withdrawals). A pledge loan may be granted against the balance of the Agreed Term Deposits Account and the Designated Term Deposits Account. | | | | | | | |
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