Cash Management

Our innovative products and service channels allow customers to effectively and efficiently manage its accounts and cash flows.

• Savings and Current Account
• Time Deposit
• Remittance Service
• Foreign Exchange
• Account Transfer
• Outward and Inward Cheque Collection
• Payroll and Autopay Service
• Wide Variety of Payment Methods (ATM and Remittance Service)
• Innovative Electronic Channels (TeleBCM and BCM eCorp)
• Being a member of Dah Sing Banking Group, BCM bank can assist and refer you to open an account at Dah Sing Bank in Hong Kong to enable easy management of your funding in and out of the territory. This can help you efficiently settle payment of or receive money from your partners and customers in between Hong Kong and Macau.

To meet the financial goal of your company, you have to use savings products and services that may improve your cash flow, simplify your financial management and save your money.

“All-in-One” Business Account
BCM bank is always the best partner in your business. Our "All-in-One" Business Account provides your business lots of multiple unique services and facilities that concern your needs.

• Overdraft Facilities
• Automatic overnight deposit interest
• Advance notice on returned cheques
• Multiple autopay services
• Business total protection

Current Account
Our current account offers you one of the most convenient means of payment. In this account, no interest is provided but you can enjoy our cheque service for your daily payment to save your time.

• Currencies including MOP, HKD, RMB and USD.
• Monthly statement for overview of all up-dated transactions.
• Other services provided: such as personalized cheque book, ATM card, free autopay services,
• TeleBCM phone banking service and intrabank funds transfer service.
• No minimum repayment amount required for overdraft facility.
• Reasonable interest rate on overdraft.

Time Deposit
Interest bearing accounts that offer you higher interest rate. We offer the time deposit period from 7 days to 9 months.

• You can choose different kinds of currencies MOP, HKD, RMB, USD, EURO, GBP, PTE, DEM, AUD, etc.
• Other services provided such as automatic renewal service, intrabank funds transfer.
• Full details of all your time deposits from the monthly summary statement.

With BCM’s Payroll Service, you can save your precious time in handling large amount of cheque or cash whilst your employees can conveniently withdraw the money on the date of payroll.

BCM bank is pleased to provide full range of Renminbi services including deposit, exchange, transfer and remittance to support the needs of companies in growing the business in Mainland China, aiming to graph every golden opportunity generated by the increasingly important business connections between Mainland China and the Macau S.A.R.

BCM Bank has correspondent bank relationships in major countries and regions around the world. With its rich experience accumulated over the years, it provides you with global remittance services and professional consulting, so that your remittances are unimpeded around the world.

For remittance, you need to provide: the recipient's account number, name, address, reason and purpose of remittance; the recipient's bank name, address, and the recipient's bank SWIFT address.

Tips:

Swift is the English abbreviation for “society for worldwide interbank financial telecommunication”. Every bank member of the association has its own specific code, which is SWIFT code.

Bank information:

Bank name：Banco Comercial de Macau, S. A.

Address：Avenida da Praia Grande 572, Macau

SWIFT Code： CMACMOMX