"New Account Welcome Bonus" Referral Programme
Double Deal Opportunity! Exclusive Rewards Await!
Ping An Digital Bank individual customers can now earn cash rewards by referring friends to open an account with Ping An Digital Bank. You can receive HKD 200 to HKD 500 cash reward for each successful referral4, based on the applicable tier corresponding to the cumulative number of successful referrals4, as detailed in the table below. The more successful referrals4 you make, the more you can earn — up to HKD 32,800 in rewards!
| Referral Tier | No. of Successful Referrals4 | Cash Reward per Successful Referral4 |
|---|---|---|
| Tier 1 | 1 - 2 | HKD 200 |
| Tier 2 | 3 – 10 | HKD 300 |
| Tier 3 | 11 – 30 | HKD 500 |
Plus, your referred friends will enjoy an 16% p.a. 1‑month HKD time deposit rate1,2! Act now and share the benefits with your friends!
Referrer Rewards
From October 1 to October 31, 2026, refer your friends to open an account with Ping An Digital Bank, you can earn up to HKD 500 reward for each successful referral of an eligible new customer3! The maximum reward you can earn during the campaign period is HKD 12,800 (equivalent to 30 successful referrals4).
Referee Reward
From October 1 to October 31, 2026, eligible referees upon successful account opening, are entitled to 16% p.a. HKD time deposit rate1, 2 when placing a 1‑month HKD time deposit on the first HKD 100,000.
Example: Deposit HKD 100,000 upon account opening and earn up to approximately HKD 1,315* in interest in the first month!
| Deposit Amount | Promotional Interest Rate | Interest in First 30 Days* |
|---|---|---|
| HKD 100,000 Time Deposit | 16% p.a. | Approx. HKD 1,315 |
*The above example is calculated based on 1‑month HKD time deposit (for 30 days) with 16% p.a. interest rate and a 365‑day year.
Time deposit interest is calculated based on the actual number of deposit days.
Additionally, if the referred person deposits HKD 1,000 by October 31, 2026, they will receive an HKD 50 reward!
"New Account Welcome Bonus" Guide
Log in to the Ping An Digital Bank 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
1 After successfully opens Savings Deposit 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).
2 The annual interest rate of HKD Savings is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.
3 Eligible New Customer refers to an individual who has never held any account with the Bank and who successfully opens an Eligible Account using the Referrer’s unique referral code during the Programme Period.
4 A "Successful Referral" shall be recognized only when the Referee, who must never have held any account with the Bank, successfully opens an Eligible Account with the Bank using the referral code during the Programme Period.
^ Terms and conditions apply. Please refer to "New Account Welcome Bonus" Referral Programme (1 October – 31 October 2026) terms and conditions for details.