PAObank is thrilled to present an exciting referral opportunity for all individual customers. Refer your friends to open an account with PAObank and placing a designated HKD time deposit, and you could earn HKD 500 reward per successful referral, up to HKD 8,000 in rewards! Plus, your referred friends will enjoy an exclusive 18% p.a. interest rate* on their time deposit. Act now and share the benefits with your friends!

From now until November 30, 2025, refer your friends to open an account with PAObank and placing a HKD time deposit HKD 50,000 or above, you could earn a HKD 500 reward per successful referral! The maximum reward you can earn during the campaign period is HKD 5,000 (equivalent to 10 successful referrals).

The top three Referrers with the highest cumulative number of Successful Referrals during the Programme Period will receive the following additional rewards:

From now until November 30, 2025, eligible referees upon successful account opening, are entitled to purchase a "1-Month HKD Time Deposit" product at a preferential interest rate of 18% p.a* for amounts up to HKD 50,000.

After successfully opens a savings account with the Bank, the Offer will be displayed on the Bank’s Retail Banking APP (time deposit section) within 3 working days (excluding Saturdays, Sundays and public holidays).

Log in to the PAObank App, click on the " New Account Welcome Bonus" page to get your exclusive referral code.

Share your exclusive referral code with friends.

Referee enters the referral code during account opening