Terms and Conditions

Retail Banking Service

Effective from 20/09/2025 unless otherwise stated

SME Services

Effective from 09/2025 unless otherwise stated

Trade-Connect Loan Service

Effective from 09/2025 unless otherwise stated

Business Instalment Loan Service

Effective from 10/2024 unless otherwise stated

5-Day Service Pledge

Effective from 05/2024 unless otherwise stated

Business Short-term Loan Service

Effective from 05/2024 unless otherwise stated

eFast Loan

Effective from 05/2024 unless otherwise stated

Business Revolving Loan

Effective from 05/2024 unless otherwise stated

Business Secured Loan

Effective from 07/2024 unless otherwise stated

Business Revolving Loan Handling Fee Waiver Offer

Effective from 05/2024 unless otherwise stated

Information Relating to Credit Reference Agencies

Effective from 05/2024 unless otherwise stated

Declaration of U.S. Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS)

Effective from 05/2024 unless otherwise stated

Declaration of U.S. Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS)

Effective from 05/2024 unless otherwise stated

Account Opening Mandate

Effective from 06/2025 unless otherwise stated

Cross-border e-Commerce Revolving Loan

Effective from 12/2024 unless otherwise stated

Business Secured Loan - Taxi License Terms and Conditions

Effective from 12/2024 unless otherwise stated

New Customer Time Deposit High Interest Offer (Second Wave) Programme

Effective from 09/2025 unless otherwise stated

New Customer Time Deposit High Interest Offer (Third Wave) Programme

Effective from 10/2025 unless otherwise stated

5^th Anniversary New Customer Time Deposit High Interest Offer for CPAI Referral Programme

Effective from 10/2025 unless otherwise stated

PAObank X Tradelink 5^th Anniversary Exclusive FIVE Reward Programme

Effective from 06/2025 unless otherwise stated

5^th Anniversary Limited Time 101 Offer

Effective from 09/2025 unless otherwise stated

5^th Anniversary Half-price Discount Offer

Effective from 09/2025 unless otherwise stated

5^th Anniversary Limited Time 5K Rewards

Effective from 09/2025 unless otherwise stated

5^th Anniversary Treasure Reward UNLOCK

Effective from 09/2025 unless otherwise stated

Cross-border Outward Remittance Transaction Fee Waiver Offer

Effective from 09/2025 unless otherwise stated