Bank of China Macau branch retail credit review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Bank of China Macau branch retail credit provides direct personal and student borrowing in Macau for customers with stable income. It links purchase and remortgage purposes with home improvement use through phone guidance for straightforward household borrowing decisions in one place.
Key facts
- Best for
- Borrowers in Macau with steady income
- Term
- 60 months↗
- Lender type
- Direct lender↗
- Eligibility
- Customers with stable income in Macau↗
- Loan types
- Personal, Student↗
- Use cases
- Home-improvement↗
- Legal entity
- Bank of China (Macau) Limited↗
- Headquarters
- Macao↗
- Founded
- 1950↗
- Support channels
- Phone↗
- Official website
- bankofchina.com
Pros
Pros
- Direct lender covering personal borrowing and student borrowing
- Focus on Macau customers with stable income backgrounds
- Purposes spanning purchase, remortgage and home improvement needs
Ready to try Bank of China Macau branch retail credit?
Who it suits
- People in Macau with stable income
- Borrowers planning purchase or home improvement
How Bank of China Macau branch retail credit compares
Where Bank of China Macau branch retail credit is available
- Available
- Macao
- Licence in Macao
- Monetary Authority of Macao (AMCM), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for borrowing through this brand?+
This borrowing serves customers with stable income in Macau. It sets stable income in Macau as the eligibility focus. Direct phone guidance supports questions about individual circumstances and next steps.
Which types of borrowing are included?+
The range covers personal borrowing and student borrowing. Personal borrowing addresses general purchase needs while student borrowing addresses study related needs. Phone guidance helps clarify which category aligns with planned use.
What purposes and uses are identified?+
Purchase and remortgage stand as stated purposes alongside home improvement as a use case. Those labels help place household plans within the borrowing range. Phone guidance supports discussion of how a proposed plan relates to those purposes.
Which company operates Bank of China Macau branch retail credit?+
Bank of China Macau branch retail credit is operated by Bank of China (Macau) Limited. (Source, checked September 26, 2026)
Where is Bank of China Macau branch retail credit based?+
Bank of China Macau branch retail credit is based in Macao. (Source, checked September 26, 2026)
When was Bank of China Macau branch retail credit founded?+
Bank of China Macau branch retail credit was founded in 1950. (Source, checked September 26, 2026)
How can I contact Bank of China Macau branch retail credit support?+
Bank of China Macau branch retail credit offers support through Phone. (Source, checked September 26, 2026)
Sources
- amcm.gov.mo/en checked September 26, 2026
Backs: Licences
- bankofchina.com/mo/en checked September 26, 2026
Backs: Support channels
“Hotline : 00853-88895566”
- bankofchina.com/mo/en/aboutus/ab1/200912/t20091210_935787... checked September 26, 2026
Backs: Founded, Headquarters
“The predecessor of BOC Macau was "Nam Tung Bank (Macao)", established by the patriotic businessman Mr. Zhuang Shiping on June 21, 1950”
- bankofchina.com/mo/en/pbservice/pb4 checked September 26, 2026
Backs: Loan types, Use cases
“BOC "Easy Money" Personal Loan; BOC Student Loan Scheme”
- bankofchina.com/mo/en/pbservice/pb4/200912/t20091231_9338... checked September 26, 2026
Backs: Legal entity, Lender type
“BOC "Quick Funds" (Personal Loan) services for personal customers are provided by Bank Of China (Macau) Limited”
- bankofchina.com/mo/en/pbservice/pb4/201210/t20121019_2018... checked September 26, 2026
Backs: Eligibility, Term
“Eligible Customers: Customers with stable income in Macau.”
- bankofchina.com/mo/en/pbservice/pb8/202108/t20210818_1991... checked September 26, 2026
Backs: Product fee, Purpose
“Local Mortgage Plan services for personal customers are provided by Bank of China (Macau) Limited... We offer competitive terms including preferential interest rate and property valuation fee waiver”
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Arrangement fee, Credit check, Funding time, Representative example.
Bank of China Macau branch retail credit
Borrowers in Macau with steady income