香港存款保障額提升至HKD 80萬，眾安銀行持續守護您的資產安全!
香港存款保障委員會提升存款保障額至80萬的措施於2024年10月1日起生效。眾安銀行作為存款保障計劃成員(存保計劃)，從2024年10月1日起自動提升存款保障額度至80萬。這將對你的存款有什麼影響?我們整理了大家最關注的問題，一文讀懂!
1.什麼是存款保障計劃?
存款保障計劃為香港銀行存款提供法定保障，你不需申請或支付任何費用。無論HKD、CNY或其他貨幣的銀行存款，同樣獲保障。眾安銀行有限公司是存款保障計劃的成員。本行接受的合資格存款受存保計劃保障，最高保障金額為每位存款人HKD 800,000。
2.存保計劃只限港幣存款嗎?
你存放於眾安銀行的各類存款，無論是HKD、CNY或其他外幣的存款，均受到保障。這包括往來户口、儲蓄户口、用作抵押的存款，以及年期不超過5年的定期存款。
3.如我是海外居民，我在眾安銀行的存款也受保障嗎?
根據存保會準則，個人和企業在香港的持有存款，不論港幣或外幣，每位户口持有人都受到保障。這意味着無論你是否香港居民，只要你的存款在眾安銀行中，都能得到保障。
4.不受存保計劃保障的金融產品有哪些?
不受存保計劃保障的金融產品包括：結構性存款(如外幣掛鈎及股票掛鈎存款)、年期超過5年的定期存款、不記名票據(如不記名存款證)以及非存款類產品(如債券、股票、認股權證、互惠基金、單位信托基金、保險產品及儲值支付工具)。
5.公司客户是否受存保計劃保障?
是。個人及公司客户均受存保計劃保障。
6.如果我的存款金額超過HKD 800,000，我是否受存保計劃保障?
是。你仍受存保計劃保障，但你只可獲得最多HKD800,000的補償。
7.聯名賬户是否受存保計劃保障?
聯名賬户持有人一般會被當作在有關存款中佔有相等分額。每人可獲最多HKD 800,000的補償。
8.如何查詢我在眾安銀行的存款是否受存保計劃保障?
只需向眾安銀行的客服查詢，就可以確認你的存款是否受存保計劃保障。
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