1、 Product Introduction

The gold account is a comprehensive investment product launched by China Merchants Bank for individual customers that integrates gold purchase, fixed investment, redemption, exchange and other functions, helping you easily realize family wealth management.

2、 Business Features

1. Extremely low threshold: no account opening fee is required, and gold can be purchased at least 1g.

2. Flexible trading: automatic purchase of fixed investment quota is provided, which is convenient and can reduce the investment cost.

3. Deposit generates gold: when the deposit matures, you can get the income from the weight of gold. The more money you deposit, the more money you deposit.

4. National withdrawal: customers can choose to exchange physical gold products independently, and there are a wide range of physical gold products.

5. Diversified channels: In addition to business outlets, online banking, mobile banking and other channels are also available, so customers can handle business without leaving their homes.

3、 Opening conditions

At least 18 years old (inclusive), if 65 years old (inclusive) or older, it is necessary to sign the risk confirmation letter for aging customers before opening business. For individual customers who have opened "all-in-one card" in our bank, the risk assessment rating is R3 and above.

4、 Handling process

1. Electronic channel: log in to the personal online banking public version/professional version or mobile banking, enter "Investment Management - Gold Account", and complete the account opening operation according to the system prompts to handle the business.

2. Business outlet: go to any business outlet and sign the relevant account opening documents with identity documents and "all-in-one card" card, and then go through the business.

5、 Frequently asked questions

1. What is the opening and closing time of gold account shares?  

Answer: The service period for active purchase or redemption of gold account shares is 9:00-24:00 on the trading day of Shanghai Gold Exchange. No business is handled on Saturdays, Sundays and statutory holidays. If there is any change in the above opening and closing time, please refer to our website The website announcement shall prevail.

2. Do you charge for buying and selling gold account shares?

Answer: There is no service charge for the purchase and sale of gold account shares. The purchase and sale price is subject to the system announcement of our bank and follows the real-time fluctuation of gold spot market price.

3. How long will the entrustment of buying and selling gold shares take effect?

Answer: The entrustment to purchase or redeem gold shares will take effect immediately once the transaction is concluded.

4. When is the price of gold fixed investment?

A: The gold fixed investment transaction is carried out according to the purchase price at 9:30 a.m. on the trading day, and the fixed investment shares are received on the same day.

5. What physical gold can be withdrawn from gold account business?

Answer: At present, the physical gold that can be withdrawn from the gold account includes the brand gold of CMB, and the specific variety is subject to the announcement in the system.

6、 Risk warning

Affected by domestic and foreign political and economic factors as well as various emergencies, the gold price may fluctuate violently. Before opening business, investors should fully understand the risks of gold investment and the business nature of the gold account, and voluntarily assume the responsibility of All risks and losses arising therefrom.