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Banking Fees
 

1Personal Account - New Zealand Dollar

Transaction Account

Savings Account

Term Deposit Account

Staff assisted service in ICBC Branch

Yes

Yes

Yes

Term

N/A

N/A

1M / 3M / 6M / 12M / 24M/ 3Y etc.

Interest Rate*

N/A

Savings Account rate

Based on the term of the investment

Interest payment

N/A

At the end of month

At maturity

Minimum Investment Amount

N/A 

N/A

NZD $5,000.00

* Interest rate information please refer to 'Interest Rates'.

2Personal Account - Foreign Currency

USD

CNY

AUD

HKD

EUR

Transaction Account

Term Deposit Account

Transaction Account

Term Deposit Account

Transaction Account

Transaction Account

Transaction Account

Staff assisted service in ICBC Branch

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Minimum Term

N/A

1M / 3M / 6M / 12M / 24M/ 3Y etc.

N/A

1M / 3M / 6M / 12M / 24M/ 3Y etc.

N/A

N/A

N/A

Interest Rate *

N/A

Based on the term of the investment

N/A

Based on the term of the investment

N/A

N/A

N/A

Interest payment

N/A

At maturity

N/A

At maturity

N/A

N/A

N/A

Minimum Investment Amount

N/A

USD $5,000.00

N/A

CNY 25,000.00

N/A

N/A

N/A

* Interest rate information please refers to 'Interest Rates'.

3Personal Monthly Statement Fee

Monthly General Statement Fee

By Email

No Charge


4Personal Account Monthly Fees

NZD

USD

CNY

AUD

HKD

EUR

Transaction Accounts Monthly Fee

No Charge

NZD $1.00 (or equivalent foreign currency) per month

NZD $1.00 (or equivalent foreign currency) per month

NZD $1.00 (or equivalent foreign currency) per month

NZD $1.00 (or equivalent foreign currency) per month

NZD $1.00 (or equivalent foreign currency) per month

Savings Accounts Monthly Fee

No Charge

N/A

N/A

N/A

N/A

N/A

Term Deposits Accounts Monthly Fee

No Charge

No Charge

No Charge

N/A

N/A

N/A


5Debit Card/Credit Card Fees

Basic Fees

Debit card

Credit card

Standard

Gold

Standard

Gold

Platinum

Card Fee

NZD $12/Year

NZD $12/Year

NZD $30/Year

NZD $50/Year

NZD $120/Year

Reissue/Alteration Card

No Charge

No Charge

NZD $5.00

NZD $5.00

NZD $5.00

Renew Card

No Charge

No Charge

No Charge

No Charge

No Charge

Reset Password

No Charge

No Charge

No Charge

No Charge

No Charge

 

Credit Card Fees

Overdue Repayment Fee

NZD $10 or CNY 50 Each Time

Over Limit Fee

NZD $20 or CNY 100 Each Time

Credit Card Overdue Repayment Rate: 21.9%

 

New Zealand Local Transaction Fees

Debit card

Credit card

Branch service fees

No Charge

No Charge

Local ATM Balance/Enquires*

No Charge

No Charge

Local ATM Cash Withdrawal*

No Charge

No Charge

Local ATM Overdraft Cash Withdrawal *

N/A

Overdraft Rate: 21.9%

UnionPay Pos Transaction

No Charge

No Charge

Visa Credit Card is not supported

EFTPOS Transaction

No Charge

No Charge

UnionPay Credit Card is not supported

*Only Accept ATM with UnionPay Logo (e.g. ANZ, BNZ, Kiwibank, Westpac, Credit Union)

 

China Mainland Transaction Fees

Debit card

Credit card

ICBC ATM Balance Enquires

No Charge

No Charge

Non ICBC ATM Balance Enquires

CNY 5 each transaction

CNY 5 each transaction

ATM Withdrawal

CNY 20 each transaction

CNY 20 each transaction

ATM Overdraft Withdrawal

N/A 

CNY 20 each transaction

Overdraft Rate: 21.9% 

POS Transactions

No Charge

No Charge

 

Non-NZ and China Mainland Transaction Fees

ATM Balance Inquires

NZD $1 each transaction 

NZD $1 each transaction

ATM Cash Withdrawal

NZD $4 each transaction

NZD $4 each transaction

ATM Overdraft Cash Withdrawal

N/A

NZD $4 each transaction

Overdraft Rate: 21.9% 

UnionPay Credit Card Overseas Currency Conversion Fee

N/A

2.0%

VISA Credit Card Overseas Currency Conversion Fee

N/A

2.8%

 

 

6UnionPay Debit Card/Credit Card Transaction Limites

UnionPay Debit Card*

Standard

Gold

ATM

Daily Cash Withdrawal Limits

NZD $2,000

NZD $2,000

CNY 20,000

CNY 20,000

EFTPOS/UnionPay POS

Daily Transaction Limits

Equivalent NZD $20,000

Equivalent NZD $20,000

UnionPay Credit Card*

Standard

Gold

Platinum

ATM

NZD $2,000

NZD $2,000

NZD $2,000

Daily Cash Withdrawal Limits

CNY 10,000

CNY 10,000

CNY 10,000

EFTPOS/POS
Daily Transaction Limit

Customer’s Credit Card Limits 

*Every ATM cash withdrawal limit is controlled by the local banks.

7Accounts Payments Fees

NZD,USD, AUD,HKD, EUR,CNY

Transfer Between ICBC NZ Accounts

Domestic Payments

International Payments

Same Day
Clear Payment

Standard

Sending

Receiving

Staff Assisted

Online and Mobile Banking

Transaction AccountsDebit Card

No Charge

NZD $25.00 Per Transaction

No Charge

NZD $25.00 Per Transaction*

NZD $20.00 Per Transaction*

NZD inward:

NZD $10.00 Per Transaction*

USD inward:

USD $10.00

Per Transaction*

AUD inward:

AUD $10.00

Per Transaction* 

EUR inward:

EUR €10.00

Per Transaction*

CNY inward:

CNY 50.00

Per Transaction*

HKD inward:

HKD $60.00

Per Transaction*

 

*Correspondent bank charges may apply.

 

 

 

 

 

 

 

 

 

 


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