First Time User / System Upgrade User Reminder

During Internet Banking logon, if I cannot enter my User ID and password, or message "You have not enabled or installed any Java VM. Please refer to our 'Frequently Asked Question' #1", "(2237) Please contact our Customer Service Representatives at (852)2818 0282" or "Current Logon page is still loading, please press OK and try again later..." is shown, what should I do?

You are required to download Java Runtime Environment here.

To avoid conflicts of different Java versions, please click Start -> (Settings) -> Control Panel, -> Add/Remove Programs(Software) to check whether another Java Runtime Environment has already been installed. Please remove, if any, before installation.

Steps of downloading JRE 6 update 7 are as follows:

	Select 'Windows' Platform. Read the 'Software License Agreement', check the box besides 'I agree to the Java SE Runtime Environment 6 License Agreement' and then click 'Continue' at the bottom if you accept; In the table of 'Download Information and Files', click on 'jre-6u7-windows-i586-p.exe' under 'Windows Offline Installation' (Note: Select Save this program to disk on the dialog that appears (if any) and choose an easy-to-remember place, such as Desktop or My Documents folder to save the file); When download is completed, double-click the installer file in the place you saved it and follow the on-screen instructions to install.

Enter the World of Future Banking

What is Internet Banking offered by your bank?

Our Bank's Internet Banking allows you to access your accounts with us and perform various kinds of financial transactions anywhere, anytime and in a convenient and safe manner. Viewing your account balance, performing funds transfer between accounts and obtaining various updated information through our Internet Banking are all controlled by a few clicks of buttons.

What can I do with your Internet Banking?

SCB's Internet Banking offers you the following services:

Banking Services

Enquiry

• Account Summary
• Account Balance
• Latest Transactions
• Transaction History
• Cheque Status Enquiry

Transfer and Payment

• Account Transfer within our Bank
• Our Bank's Credit Card Payment
• Bill Payment (includes ePayment and Jet Payment)
• Outward Transfer (TT, CHATS & ECG)
• Purchase of Bank Draft (Demand Draft & Cashier's Order)

Time Deposit

• Fixed Deposit Placement
• Call Deposit Large Placement
• Change Fixed Deposit Maturity Instruction

Customer Services Request

• Statement Request
• Cheque Book Request
• Withdrawal Slip Request
• Paid Cheque Photocopy Request
• Loan Related Document Request

Investment Services

Balance Enquiry

• Portfolio Summary
• Investment Funds
• Securities
• Bonds
• Currency Linked Deposits
• Equity Linked Deposits

Transaction History

Unit Trust Services

• Unit Trusts Subscription
• Unit Trusts Redemption
• Same Fund House Switching
• Fund Search
• Fund Price Enquiry

Order Status Enquiry

• Order Status Enquiry

Risk Profile Analysis

• Risk Profile enquiry
• Risk Profile update

Credit Card Services

Enquiry

• Account Balance
• Transaction History

Transfer and Payment

• Our Bank's Credit Card Payment
• Bill Payment (including ePayment and Jet Payment)

Customer Services Request

• Statement Request
• Gift Redemption Request

MPF Services

MPF Enquiry

• Fund Balance
• Last Contribution

MPF Contribution

• Master Trust Scheme Contribution
• Industry Scheme Contribution

Insurance Services

Travel Insurance

• Single Trip Travel
• Annual Multi Trip Travels

Personalization

Maintenance

• Print Registration Form
• Change Transfer Limit
• Change Password
• Suspend Internet Banking Service
• Register Digital Certificate

Enquiry

• Internet Banking Activity Log
• Request Status Enquiry

When can I use your Internet Banking service?

Our website is operational 24 hours a day, 7 days a week, 365 days a year. While most of the functions are available to you all the time, we shall carry out your transactions according to certain cut-off time and value date rules. Please refer to Question 11 on Account Operations for details.

The following are the operation hours for different functions in Internet Banking:

Foreign Currency Account Transfer Same Type of Foreign Currency: 24 hours Exchange Involved: Monday -Friday 9:00 a.m. to 7:30 p.m. Saturday 9:00 a.m. to 4:00 p.m. Time Deposit Placement Monday - Friday 9:00 a.m. to 5:30 p.m. HKD Funds Transfer Outward Transfer Purchase of Bank Draft 24 hours Enquiry and request for various types of documents 24 hours

Do I need to pay for using your Internet Banking service?

No, the service is FREE. You can access your SCB accounts anywhere and anytime at no charges.

Internet Banking Application

Do I need to apply if I want to use your Internet Banking service?

You can enjoy our "non-logon" services by using any compatible personal or notebook computer to connect to the Internet with the minimum PC configuration requirements. If you would like to perform logon functions in our Internet Banking, please apply for an Internet Banking account and you'll be able to manage your accounts online.

How can I apply for your Internet Banking service?

All SCB personal account holders (including Credit Card holders) are eligible to apply for our services. You can apply for our Internet Banking in the following ways:

(a) Visit any of our branches for application.
(b) Submit Online Application to us.
(c) Download i-Banking Application Form and return to us by mail.

If you do not hold any accounts with us, you are welcome to open an account in person at any one of our branches.

Can companies apply for your Internet Banking service?

No. However, corporate accounts can apply for our Corporate Internet Banking service. Please refer to the FAQ section of our Corporate Internet Banking service for more information.

Account Operations

Can I view up-to-the-minute account balance?

The balance information for most account types are in real time except for loan account and securities account which are shown up to the previous working day. Credit card available balance information is up-to-the-minute. However, today's credit card payments are not included in the balance calculation. Other information such as last statement summary, last payment details are shown up to the previous working day.

 

Do I need to register the accounts before I operate them in Internet Banking?

Only customer opt for using e-Cert can perform Non-registered account transfer function. For customer opt for not using e-Cert, they need to register all the accounts under your name if you want to operate the accounts in Internet Banking. However, if you would like to make funds transfer to any third party or payment on third party credit card maintained with our bank, or Outward Transfer and Purchase of Bank Draft, the beneficiaries must be registered.

Can I perform funds transfer in Internet Banking?

Yes, you can transfer funds to your own and third party accounts within our Bank. You can also transfer money to other local and overseas bank's accounts, purchase bank draft, and make credit card payment.

What are the different types of funds transfers and payments available?

The following functions under "Transfer and Payment" section:

1. Account Transfer within our Bank
• Transfer funds between your own accounts and to third party accounts kept in our Bank.
2. Our Bank's Credit Card Payment
• Effect card payment to your own credit card accounts and to third party credit card accounts kept in our Bank.
3. Bill Payment (including ePayment and Jet Payment)
4. Outward Transfer
   • Remit funds in HK Dollars or Foreign Currencies from your registered accounts to any pre-registered or non-registered beneficiaries maintaining accounts with banks in Hong Kong or overseas.
5. Purchase of Bank Draft
   • Purchase our Bank's Cashier's Orders or Bank Drafts in various currencies payable to any pre-registered or non-registered beneficiaries.

Can I transfer U.S. Dollars to other banks in Hong Kong using your Internet Banking services?

You can choose USD CHATS or Purchase of USD Cashier's Order from "Transfer and Payment" to transfer U.S. Dollars to other banks in Hong Kong. (CHATS service is not available on Saturday)

How to pre-register my beneficiary details for Outward Transfer and Purchase of Bank Draft in Internet Banking?

You can complete the form for the registration of beneficiary details and submit the form to our branch (you can download the form in Download - Forms and Documents). You can register up to 60 beneficiaries under your Internet Banking account.

How do I transfer money to other bank's account which is not registered in your Bank?

Only customers opt for using e-Cert can perform non-registered account transfer. You can perform Outward Transfer/Purchase of Bank Draft for non-registered beneficiary. A maximum of 60 non-registered beneficiaries' details can be saved in your Internet Banking account.

What is the field "Beneficiary Short Name" used for?

For the registration of beneficiary details, you will assign a unique "Beneficiary Short Name" for each registered beneficiary. Each time when you click the field "Beneficiary Short Name" and choose the unique short name for the beneficiary, the beneficiary details will be shown on the screen.

If you are an e-Cert user and wish to transfer funds to a non-registered beneficiary, you can also save the beneficiary details by assigning a short name during the submission of remittance/bank draft through the Internet Banking system. Next time when you want to transfer funds to the same non-registered beneficiary, you do not need to type the beneficiary details again. Simply select the assigned short name from the name list and the saved information will be shown on the screen. Up to 60 non-registered beneficiaries can be saved in your Internet Banking account.

Can I enter "International Chinese Code" when I submit the request in Outward Transfer and Purchase of Bank Draft?

Functions which you can submit International Chinese Code are as follows:

• Electronic/Telegraphic Transfer
• Same Day Local Bank Fund Transfer (with handling charge through CHATS)

Functions which you cannot submit International Chinese Code are as follows:

• Local Bank Fund Transfer (free of charge through electronic clearing)
• Purchase of Demand Draft
• Purchase of Cashier's Order

What are the transfer limits in Internet Banking?

All Internet Banking users can online enquire and reduce the "Daily Transfer Limit". If you need to increase the limit or to resume the limit after reduction, you have to download the "Instruction and Request Form for i-Banking - Internet Banking Daily Transfer Limit Maintenance", complete and submit the same to any of our branches for further processing.

The maximum limits allowed in Internet Banking are as follows:

	Type of Funds Transfer Maximum Daily Limit per Customer Same Party Account Transfer (account registered) Same Party Credit Card Payment (account registered) 2 functions total: HKD2,000,000 or its equivalent. A maximum of HKD500,000 or its equivalent is allowed for currency exchange Third Party Account Transfer within our Bank (account registered) Third Party Credit Card Payment within our Bank (account registered) Outward Transfer to other banks (beneficiary registered) Purchase of Bank Draft (beneficiary registered) 4 functions total: HKD500,000 or its equivalent Account Transfer within our Bank (account non-registered) Outward Transfer (beneficiary non-registered) Purchase of Bank Draft (beneficiary non-registered) 3 functions in total: HKD15,000 or its equivalent Exchange HKD500,000 or its equivalent - (HKD15,000 for non-registered beneficiary under Outward Transfer and Purchase of Bank Draft) minimum HKD100 for each funds transfer involving foreign currency exchange e-IPO Payment HKD100,000 or its equivalent Government Tax Payment HKD200,000 or its equivalent Bill Payment Master Limit* HKD50,000 or its equivalent Government or Statutory Organisation HKD50,000 or its equivalent Banking and Credit Card Services HKD50,000 or its equivalent Public Utilities HKD50,000 or its equivalent Telecommunication Services HKD50,000 or its equivalent Credit Services HKD50,000 or its equivalent Securities Broker HKD50,000 or its equivalent HK Jockey Club HKD50,000 or its equivalent Education Institutions, Professional Institutions, Charity Organisations, Insurance Companies, Catering Services, Property Management, Travel Agencies and Others HKD50,000 or its equivalent MPF Contribution HKD50,000 or its equivalent

*Payment to same merchants either by ePayment or Jet Payment will be grouped into one Bill Payment Category. The daily transfer limit of each Bill Payment Category cannot exceed the 'Bill Payment Master Limit'. In addition, the aggregate amount of bill payment to all merchants (except Government Tax and e-IPO) in one day cannot exceed the Bill Payment Master Limit.

All Internet Banking transfer limits are independent of the transfer limits of Phonebanking and ATM services. The calculation of daily transfer amount starts at 00:00 a.m.

Accounts which are kept within our Bank and operated in Internet Banking are to be registered. A maximum of 15 same party accounts and 14 third party accounts(within our Bank) can be chosen.

For Outward Transfer/Purchase of Bank Draft to other banks, you can register up to 60 beneficiaries and save up to 60 non-registered beneficiaries under your Internet Banking account. In other words, you can transfer funds in the following ways:

(a) *between your registered own accounts within our Bank;
(b) *from your registered own account to registered third party account within our Bank;
(c) from your registered own account to non-registered account within our Bank;
(d) from your registered own account to registered beneficiary (a maximum of 60 beneficiary details can be registered) outside our Bank; and
(e) from your registered own account to non-registered beneficiary (a maximum of 60 beneficiary details can be saved) outside our Bank.

* A maximum of 15 same party accounts and 14 third party accounts (within our Bank) can be chosen.

What are the cut-off time and value date for the transactions performed in Internet Banking?

Cut-off time and value date for transactions performed in Internet Banking:

For Outward Transfer and Purchase of Bank Draft

• For Electronic/Telegraphic Transfer, Same Day Local bank Fund Transfer (with charge via CHATS), Purchase of Demand Draft
  - 4:00pm (Monday to Friday)
  (Starting from 4th September 2006, there will be no T/T, demand draft service and CHATS service involving fund transfers to other local banks provided on Saturday.)
• For Purchase of Cashier's Order
  - 4:00pm (Monday to Friday)
  - 10:30am (Saturday)
• For Local Bank Fund Transfer (free of charge via Electronic Clearing
  - 7:30pm (Monday to Friday)
  (Starting from 4th September 2006, if customers make funds transfer from our Bank accounts to other local banks through Internet Banking between the cut-off time on Thursday and the cut-off time on Friday, the related credit transaction will be effected on the next clearing day following the Saturday. If funds transfer is made between the cut-off time on Friday and the cut-off time on Monday, the related credit transaction will be effected on the second clearing day following the Saturday.)

For Bill Payment

• ePayment
  5:00pm (Monday to Friday)
• Jet Payment
  7:30pm (Monday to Friday)
  (Starting from 4th September 2006, customers can also continue to use bill payment service through Internet Banking after the cut-off time on Friday. All requests made will be treated as instructions received and processed on the next clearing day following the Saturday.)

For other services available in Internet Banking

• For transactions available 24 hours a day, the cut-off time is 7:30pm from Monday to Friday and 4:30pm on Saturday. After the cut-off time, all transactions will be valued the next working day.
• For transactions involving foreign currency exchange and time deposit placement, the value date is the same date.

The effective time for Daily Transfer Limits in Internet Banking is midnight 00:00 a.m.

Remark: The above cut-off time is used for indication only.

How do I know that my funds transfer request has been successfully processed through Internet Banking?

You will have to confirm a transaction by clicking the "Confirm" button. A confirmation screen will appear with a reference number generated to you. Your payment or transfer is confirmed and completed according to your request. (For Outward Transfer and Purchase of Bank Draft, please refer to the next paragraph.) If you are not sure whether the transaction has taken place, please click "Personalization" -> "Enquiry" -> "Internet Banking Activity Log" for more information.

For Outward Transfer* and Purchase of Bank Draft, please click "Personalization" -> "Enquiry" -> "Request Status Enquiry" for details. The processing status for the transaction will be shown as "Processing", "Completed" or "Fail". For status as "Completed" or "Fail", the latest 7 days' records will be kept in your Internet Banking account.

* Status for "Local Bank Fund Transfer -- free of charge via Electronic Clearing" will be shown in "Personalization" -> "Enquiry" -> "Internet Banking Activity Log".

Can I perform Fixed Deposit placement in Internet Banking? What are the minimum deposit amount for fixed deposit accounts?

Yes, if you are currently maintaining a Fixed Deposit account with us.

	Currency Minimum Fixed Deposit Amount HKD HKD1,000.00 USD USD5,000.00 GBP GBP5,000.00 AUD AUD10,000.00 NZD NZD10,000.00 CAD CAD10,000.00 CHF CHF10,000.00 EUR EUR5,000.00 CNY CNY10,000.00 JPY JPY1,000,000.00

Can I give auto-renewal instruction when I am making a Fixed Deposit placement through Internet Banking?

Sure. The auto-renewal instruction on maturity is available as follows:

(a) Principal + Interest renew for (choice of your deposit term).
(b) Principal renews for (choice of your deposit term) and Interest transfers to (choice of crediting account and currency).
(c) Pending for further instruction.

What is the minimum deposit amount for my Call Deposit "Large" placement?

The minimum deposit amount is HKD500,000.

I am interested in the "Cheque Status Enquiry" function. Can I enquire about all my issued cheques here?

The information of the following cheques under your registered accounts can be available to you.

(a) Cheques paid in the previous 6 months.
(b) If the opening time of your registered account/Internet Banking account is less than 6 months, the cheque status enquiry is limited up to the account opening date.

How can I receive my ordered cheque book/withdrawal slip book?

All cheque books/withdrawal slip books will be delivered to you by registered mail.

Can I order consolidated statement under "Statement Request" function?

Yes, you can order consolidated statement under "previous statement" item.

What is the statement period for No Passbook Savings account?

The period is from the 22nd day of the previous month up to the 21st day of the current month.

Will there be any time that I cannot change the Fixed Deposit renewal instruction in Internet Banking?

This function is available 24 hours a day except the following cases:

(a) It is not applicable ON the due date of the fixed deposit receipt.
(b) It is not applicable if any renewal instruction on the fixed deposit receipt is given through our Bank's front counter on the same day.

When will the new auto-renewal instruction be effective?

The instruction will be effective once it has been successfully processed.

Can I request for paid cheque photocopy over the Internet?

The photocopies of the following paid cheques under your registered accounts can be available to you:

(a) Cheques paid in the previous 6 months.
(b) If the opening time of your registered account/Internet Banking account is less than 6 months, the photocopies of paid cheques are limited up to the account opening date.

How can I receive the requested loan related documents?

We will deliver the documents to you by mail.

Can I view the transactions that have been performed in my Internet Banking account?

Activities processed after customer's logon during the previous 7 days will be listed in ascending order in "Internet Banking Activity Log" under "Enquiry" of "Personalization".

How do I change my password?

You can change it online. After you have accessed our Internet Banking, just click "Personalization", "Maintenance" and then "Change Password". Your new Internet Banking password will be effective once the change is successfully processed.

How can I change my address and phone number stored in your bank's record?

Online 'Change Address/Phone Number' is no longer provided on/after June 26, 2005.

I have suspended my Internet Banking account. How can I re-operate it again?

You can contact any one of our branches for the release of the suspension.

How can I prohibit funds transfer to non-registered accounts and beneficiaries?

Customers opt for not using e-Cert cannot perform non-registered account transfer. Alternatively, you may disable the function upon logon to our internet banking system by setting the "Non-registered fund transfer limit" as zero. Please click "Personalization" -> "Maintenance" -> "Change Transfer Limits" and input "0" in the field next to "Non-registered Fund Transfer".

Can I view the information about my MPF contribution through internet?

If you have joined the Bank Consortium Trust MPF, you can view your MPF balance and the latest 2 contributions by clicking "MPF Services", followed by "MPF Enquiry" on the menu bar.

I have just finished my transactions and logoff the Internet Banking service. I want to logon again but failed. Why?

It is possible that you have closed your browser without closing the Internet Banking application window properly. You can try to logon again after about 10 minutes. It is strongly advisable for you to click the "Logoff" button for proper logoff from the Internet Banking service.

How can I contact you?

Click "Contact Us" shown on the Home Page and send an e-mail to us, or you can call i-Banking Centre at (852) 2818 0282 for more information.

If the Primary Account for my Internet Banking is a joint account, can other joint account holders online enquire, amend or cancel my instructions given via Internet and using my User ID?

No, a joint account holder cannot online enquire, amend or cancel the instructions given by other joint account holder(s) using their own User ID via Internet.

Investment Services Related

What kind of Investment Services does SCB's Internet Banking offer?

Balance Enquiry

• Portfolio Summary
• Investment Funds
• Securities
• Bonds
• Currency Linked Deposits
• Equity Linked Deposits

Transaction History

Unit Trust Services

• Unit Trusts Subscription
• Unit Trusts Redemption
• Same Fund House Switching
• Fund Search
• Fund Price Enquiry

Order Status Enquiry

• Order Status Enquiry

Risk Profile Analysis

• Risk Profile enquiry
• Risk Profile update

 

What are the pre-requisites of enjoying the Investment Services in Internet Banking?

You have to register your securities account and settlement accounts before using the online Investment Services.

Which Unit Trusts can I trade via Internet Banking?

Comprehensive collection of funds managed by renowned fund management group or companies are available for your trading via Internet Banking:

• ABN AMRO Asset Management (Asia) Ltd.
• AllianceBernstein Hong Kong Limited
• Allianz Global Investors Hong Kong Limited
• Barclays Capital Asia Limited
• Baring Asset Management (Asia) Limited
• BNP Paribas Asset Management Asia Ltd.
• Credit Agricole Asset Management (Hong Kong) Limited
• First State Investments (Hong Kong) Limited
• Franklin Templeton Investments (Asia) Limited
• Global Asset Management (Hong Kong) Limited
• HSBC Investments (Hong Kong) Limited
• Invesco Asset Management Asia Limited
• Investec Asset Management Asia Limited
• J.P. Morgan Asset Management
• KBC Asset Management Ltd NV
• Lyxor Asset Management Limited
• Manulife Asset Management (Hong Kong) Limited
• Prudential Asset Management (Hong Kong) Limited
• Schroder Investment Management (Hong Kong) Limited
• SG Asset Management (Hong Kong) Limited
• Standard Chartered Investments (Luxembourg) S.A.

and more ........

What is the Cut-off Time of investment trading via Internet Banking?

Our normal dealing hours are usually 9:00am to 3:00pm (HK time) Monday to Friday except when banks in Hong Kong are closed and when a fund has a significant holding in a market that is closed (e.g. for a local holiday). The cut-off time for dealing through our On-line Investment Trading Services is also 3:00 pm (HK time) on any dealing day of the fund.

Can I submit investment trading requests when a Typhoon No.8 Signal or a Black Rainstorm warning is hoisted?

Yes, you can submit investment trading requests when a Typhoon No.8 Signal or a Black Rainstorm warning is hoisted.

If bank service resumed on that day, your order would be processed after bank service resumed.

However, if our bank service was suspended throughout the day, your order would be processed on the next dealing day.

When will my settlement account be debited for Unit Trust subscription?

If your order is placed within dealing hour (Please refer to Question 4), your settlement account will be debited immediately.

If your order is placed after dealing hour, your settlement account will be debited on next dealing day. Please ensure sufficient fund in the settlement account one working day before. If insufficient balance was held in settlement account, your order will be rejected.

An e-mail notification would be sent to your registered e-mail address only when there is any failure to debit your settlement account. However, if you have not registered an email address, you would not receive such email notification.

If I have not received any email notification, does this represent that the fund subscription has been processed successfully?

No, if you have not received any email notification, it does not represent that the fund subscription has been processed successfully. Please logon Internet Banking and select "Investment Services" > "Order Status Enquiry" to check the status of your order.

What is the daily maximum transfer limit of Investment Trading Services via Internet Banking?

The daily limit of Online Investment Trading Services is HKD20,000,000. You may logon Internet Bank and go to "Personalization" > "Maintenance" > "Change Transfer Limit" to view and reduce your daily limit.

What are the minimum transaction amounts for Investment Trading Services via Internet Banking?

The minimum transaction amounts for Investment Trading Services via Internet Banking is equal to the minimum transaction amount of selected fund or the following minimum Internet transaction amount (whichever is higher):

• Fund Subscription: Minimum subscription amount is HKD20,000/ USD2,000/ AUD2,000/ CAD2,000/ EUR2,000/ GBP2,000/ JPY200,000/ NZD2,000.
  
  
• Fund Redemption: Minimum redemption amount is HKD10,000/ USD1,000/ AUD1,000/ CAD1,000/ EUR1,000/ GBP1,000/ JPY100,000/ NZD1,000.
  
  
• Same Fund House Switching: Equivalent to the minimum subscription amount of the switch-in fund.

Can I use currency other than "Fund currency" to subscribe the Unit Trusts?

You can only debit from the currency same to the Unit Trust denominated currency for Unit Trusts subscription.

Can I redeem my units to currency other than Fund currency?

Yes, you can chose to redeem your fund in Unit Trust denominated currency or HKD.

How can I enquire my order?

You can enquire your order under "Investment Services" >"Order Status Enquiry"

Can I delete my pending order?

Yes, you can delete your pending order under "Investment Services" > "Order Status Enquiry"

What is the purpose of the function "Risk Profile Update"?

"Risk Profile Update" designed to help you consider your attitude towards investment risk. It asks questions which provide some indication of the overall general attitude towards risk for a typical investor displaying your personal investment characteristics. It may not match your actual attitude toward investment risk, but it indicates the profile that you fit into.

If I have never conducted a risk assessment or my latest risk assessment was done over 12 months ago, can I subscribe a fund or perform "Same Fund House Switching" via Internet Banking?

If you have never conducted a risk assessment or your latest risk assessment was done over 12 months ago, you can neither subscribe a fund nor perform "Same Fund House Switching" via Internet Banking.

Please logon Personal Internet Banking and go to "Risk Profile Analysis" > "Risk Profile Update" to conduct a risk assessment.

Can I operate my Renminbi account in Internet Banking?

Yes, you can register any Renminbi accounts and credit cards under your name if you want to operate them in Internet Banking. However, only Hong Kong ID card holder can open Renminbi accounts and perform Renminbi fixed deposit placement and related services.

What are the different types of Renminbi funds transfers and payments available?

The following Renminbi services are available in Internet Banking. However, all internet financial transactions do not support Renminbi Checking Account:

1. Account Transfer within our Bank
   Transfer funds among your own Renminbi/HKD accounts and from your own Renminbi accounts to third party Renminbi accounts within our Bank.
2. Our Bank's Renminbi Credit Card Payment
   Effect card payment from your own Renminbi/HKD accounts to your own Renminbi credit card accounts and to third party Renminbi credit card accounts kept in our Bank.
3. From your own Renminbi/HKD accounts to your own Renminbi Fixed Deposit Placement

Can I perform Renminbi credit card payment in Internet Banking?

You can settle your own or third party Renminbi credit card payment with your registered Renminbi*/HKD accounts by "Our Bank's Credit Card Payment". Please be reminded that you cannot pay your Renminbi credit card by e-Payment or Jet Payment.

Note*: Renminbi Checking Account excluded.

Can I settle my bills with my Renminbi credit card?

Sorry, Renminbi credit card accounts cannot be the withdrawal account in both e-Payment and Jet Payment.

Can I remit funds in Renminbi to other banks in Hong Kong or overseas?

Sorry, remitting funds in Renminbi (including Electronic/Telegraphic Transfer, Same Day Local Bank Fund Transfer, Local Bank Fund Transfer, Purchase of Demand Draft and Cashier's Order) is not allowed in Internet Banking.

Is there a limit for Renminbi exchange through Internet Banking?

Yes, there is a Renminbi 20,000 daily deposit limit and a Renminbi 20,000 daily withdrawal limit of Renminbi exchange for each individual. Both limits are shared among different channels such as Internet Banking, Phone Banking and counter transactions.

When I exchange Renminbi for HKD, the message "[4108] Sorry, 'Transfer From Account' Renminbi amount exceeds Renminbi daily CNY exchange limit. Your request cannot be processed." appears. What can I do?

Your request has been rejected for exceeding your daily withdrawal limit of Renminbi exchange. You have to perform the transaction on the next working day.

When I exchange HKD for Renminbi, the message "[4109] Sorry, 'Transfer To Account' Renminbi amount exceeds Renminbi daily CNY exchange limit. Your request cannot be processed." appears. What can I do?

Your request has been rejected for exceeding your daily deposit limit of Renminbi exchange. You have to perform the transaction on the next working day.

When can I perform Renminbi transactions?

Renminbi transactions for Renminbi deposit accounts and Renminbi credit card payment can only be performed in Office Hours. (Monday - Friday 9:00 a.m. to 5:30 p.m., Saturday 9:00 a.m. to 1:00 p.m.)

Can I adjust my Renminbi exchange limit?

Sorry, the daily deposit and withdrawal limit of Renminbi exchange cannot be adjusted.

Which Internet Banking Services does 'Scheduled Payment' support?

The following Internet Banking Services support 'Scheduled Payment':

• Account Transfer within our Bank
• Our Bank's Credit Card Payment
• Bill Payment (includes ePayment and Jet Payment)
• Outward Transfer (TT, CHATS & ECG)

When can I setup a 'Scheduled Payment' in advance?

You can setup a 'Scheduled Payment' 45 days in advance. However, scheduled transfer date must not be Sunday or Public Holiday. Also, the following transaction cannot be scheduled on Saturday:

• Bill Payment (includes ePayment and Jet Payment)
• Outward Transfer (TT, CHATS & ECG)

If there is insufficient balance in the withdrawal account when the 'Scheduled Payment' is processing, will the 'Scheduled Payment' be executed?

No, the 'Scheduled Payment' will not be executed. Please ensure sufficient fund in the "Transfer From" account one working day before execution date.

If the 'Scheduled Payment' transaction amount exceeds related Internet Banking Daily Transfer Limit, or there is insufficient available Internet Banking Daily Transfer limit because of completed Internet transactions on execution date, will the 'Scheduled Payment' be executed?

No, the 'Scheduled Payment' will not be executed.

Can 'Scheduled Payment' involve foreign exchange?

Yes, 'Scheduled Payment' supports foreign exchange and the exchange rate on execution date would be used. If the transaction amount exceeds account balance or Internet Banking Transfer Limit because of exchange rate fluctuation, the 'Scheduled Payment' will not be executed.

Will the 'Scheduled Payment' be executed if its withdrawal account/beneficiary/bill payee is in abnormal status, or its Internet Banking beneficiary/bill payee registration has been amended or deleted?

No, the 'Scheduled Payment' will not be executed.

If my Internet Banking service has been terminated before execution of the 'Scheduled Payment', will the 'Scheduled Payment' be executed?

No, the 'Scheduled Payment' will not be executed.

If my Internet Banking service has been suspended (excluding password suspension because of invalid logons) before execution of the 'Scheduled Payment', will the 'Scheduled Payment' be executed?

No, the 'Scheduled Payment' will not be executed.

If a Typhoon No.8 Signal or a Black Rainstorm warning is hoisted on execution date, will the 'Scheduled Payment' be executed?

If a Typhoon No.8 Signal or a Black Rainstorm warning is hoisted at 8:15a.m. on execution date, the 'Scheduled Payment' will be executed after bank service resumed on execution date.
If our bank service was suspended throughout the execution date, the 'Scheduled Payment' will be executed on the next working day.

Can I amend or delete my 'Scheduled Payment'?

Yes, you can amend or delete your 'Scheduled Payment' through Internet Banking on or before the day prior to execution date.

When do I receive email notification for 'Scheduled Payment'?

An e-mail notification would be sent to your registered e-mail address only when there is any failure to execute your 'Scheduled Payment'.
However, if you have not registered an email address, you would not receive such email notification.
Please also see Question 13.

How can I enquire / amend my registered email address?

You can enquire your registered email address by logon Internet Banking and selecting 'Personalization' > 'Maintenance' > 'Change e-mail Address'

If you want to register your email address or change your personal information including e-mail address, please click here to download the "Notice for Change of Address / Contact Details". Then, complete and return the form to any of our branches.

If I have not received any email notification, does this represent that my 'Scheduled Payment' has been executed successfully?

No, if you have not received any email notification, it does not represent that the 'Scheduled Payment' has been executed successfully. Please logon Internet Banking and select "Scheduled Payment - Scheduled Payment History" to view the result of your 'Scheduled Payment' on execution date.

What is e-Statement Service?

e-Statement Service allows you to access your statements in electronic format via Personal Internet Banking in a convenient and fast manner.

What types of statements can be viewed via Personal Internet Banking?

You can view the following types of statements via Personal Internet Banking:

• HKD/ FC No Passbook Savings Account statement
• HKD/ USD/ CNY Checking Account statement
• Deposit Accounts Consolidated Statement
• HKD/ RMB Credit Card Account Monthly Statement

* e-Statement Service of Securities accounts will be provided later.

How can I enrol or cancel e-Statement Service?

For sole account, you can logon Personal Internet Banking and go to "e-Statement Service - Enrolment or Cancellation for e-Statement Service" to enrol or cancel e-Statement Service for your accounts registered in i-Banking service.

For joint account, please download and complete the "Instruction and Request Form for i-Banking - Enrolment / Cancellation for e-Statement Service", and return the form to any of our branches.

When will my Enrolment or Cancellation instruction effective?

If you enrol or cancel e-Statement Service via Personal Internet Banking, your instruction will be effective in 3 working days.

If you enrol or cancel e-Statement Service by submitting an "Instruction and Request Form for i-Banking - Enrolment / Cancellation for e-Statement Service", your instruction will be effective in 7 working days.

Will I receive physical statements?

We will not provide physical copies of statements for accounts enrolled for e-statement service. You can logon Personal Internet Banking and view your statements in "e-Statement Mailbox".

How long will the e-Statement be retained in "e-Statement Mailbox"?

For the deposit account or credit card enrolled for e-statement service, its e-statements will be retained for 12 months in "e-Statement Mailbox".

For the deposit account or credit card not enrolled for e-statement service, its e-Statement will be retained for 3 months only.

Your e-Statement will be deleted automatically after the retention period. Please download and save your e-statement if you wish to keep a copy for your record.

Will I receive any notification when new e-Statement is available?

If your account has enrolled e-Statement Service, an email notification will be sent to your registered email address when a new e-Statement is available.

Should there be any changes of your email address or other contact details, please notify us at your earliest convenience.

If you have not registered an email address or your email address is invalid, please download and complete the "Notice for Change of Contact Details", and return the form to any of our branches.

How can I enquire / amend my registered email address?

You can enquire your registered email address by logon Internet Banking and selecting 'Personalization' > 'Maintenance' > 'Change e-mail Address'.

Should there be any changes of your email address or other contact details, please download and complete the "Notice for Change of Contact Details", and return the form to any of our branches.

If I have not received any email notification, does this represent that my account has no new e-Statement?

No, if you have not received any email notification, it does not represent that your account has no new e-Statement. Please logon Internet Banking to view your e-Statement in "e-Statement Mailbox" from time to time.

If my account has been deleted from i-Banking service, or my Personal Internet Banking services has been terminated, or my account has been closed, can I view my e-Statement online?

If your account has been deleted from i-Banking service, or your Personal Internet Banking services has been terminated, or your account has been closed, you will not be able to view your e-Statement of the related account online. You are advised to download and save your e-statement for your record.

You can request for copies of statement at our branches if necessary.

If my account has been deleted from i-Banking service, or my Personal Internet Banking services has been terminated, will the e-Statement Service of the account be cancelled automatically?

If your account has been deleted from i-Banking service, or your Personal Internet Banking services has been terminated, the e-Statement Service of the account will be cancelled automatically. We will resume providing its physical statements.

If I wish to enrol e-Statement Service for my deposit accounts consolidated statement, do I need to register all accounts under the deposit accounts consolidated statement for i-Banking service?

For deposit accounts consolidated statement, you only need to register its primary account for i-Banking service.

If I have amended/ deleted the primary account of my deposit accounts consolidated statement, or my deposit accounts consolidated statement is cancelled, can I view the deposit accounts consolidated statement online?

If you have amended/ deleted the primary account of your deposit accounts consolidated statement, or your deposit accounts consolidated statement is cancelled, you cannot view the deposit accounts consolidated statement online. You are advised to download and save your e-statement for your record.

You can request for copies of statement at our branches if necessary.

If my deposit accounts consolidated statement has been enrolled for e-Statement Service and I have amended/ deleted the primary account of my deposit accounts consolidated statement, do I need to enrol e-Statement service again for the new primary account number?

If you have amended/ deleted the primary account of your deposit accounts consolidated statement, you need to enrol e-Statement service again for the new primary account number (The new primary account must be registered for i-Banking service).

What is Digital Certificate?

Digital Certificate is an electronic file issued and digitally signed by the Certification Authority, for vouching the identity of the certificate holder.

Is it mandatory for me to operate Personal 'Internet Banking' with a Digital Certificate?

No, Digital Certificate is implemented as an option for our personal 'Internet Banking' customers.
However, customers who opt for not using Digital Certificate will be unable to perform non-registered funds transfers. Moreover, prior registration in advance is required for bill payment to the following 4 types of merchants:

• Banking and Credit Card
• Credit Services
• Securities Broker
• HK Jockey Club

How many types of Digital Certificates are accepted by Internet Banking?

Currently we accept the following Digital Certificate.

• Hongkong Post (Personal) e-Cert
• Hongkong Post e-Cert for Smart ID Card
• Hongkong Post Bank-Cert (Shanghai Commercial Bank-Personal)
• Digi-Sign SCB Personal Premium Certificate

What is Hongkong Post e-Cert (Personal) / Hongkong Post e-Cert for Smart ID Card / Digi-Sign SCB Personal Premium Certificate?

The Hongkong Post e-Cert (Personal) is a Digital Certificate that is issued, signed and managed by Hongkong Post Certification Authority (CA).

The Hongkong Post e-Cert for Smart ID Card is a digital certificate that is issued, signed and managed by Hongkong Post Certification authority (CA) embedded into the Smart ID Card issued by the Immigration Department of the Hong Kong Government.

And, the Digi-Sign SCB Personal Premium Certificate is a digital certificate that is issued, signed and managed by Digi-Sign Certification Services Limited.

Which digital certificate should I apply for operating Personal Internet Banking?

If you possess a HKID, you may apply for a Hongkong Post e-Cert (Personal) or Hongkong Post e-Cert for Smart ID Card.

However, if you do not possess a HKID, you are advised to apply for a Digi-Sign SCB Personal Premium Certificate.

How can I apply for Hongkong Post e-Cert (Personal) / Hongkong Post e-Cert for Smart ID Card / Digi-Sign SCB Personal Premium Certificate and how often should I renew my Hongkong Post e-Cert (Personal) / Hongkong Post e-Cert for Smart ID Card / Digi-Sign SCB Personal Premium Certificate?

For Hongkong Post e-Cert (Personal) and Hongkong Post e-Cert for Smart ID Card - Please contact Hong Kong Post.

For Digi-Sign SCB Personal Premium Certificate - You should apply for your Digi-sign SCB Personal Premium Cert at any SCB Branches in person. For Personal Internet Banking Customer, HKD388 would be charged for each Premium Cert. (iKey included)

Your Digi-Sign SCB Personal Premium Certificate will be renewed every three years. For the Hongkong Post e-Cert for Smart ID Card, please contact Hongkong Post.

Can I revoke my Digital Certificate and how?

For Hongkong Post e-Cert, you may submit a request to revoke your e-Cert by fax or by letter, in person at any post office or send a digitally signed e-mail to Hongkong Post. Please refer to http://www.hongkongpost.gov.hk/ for details. You should also inform Shanghai Commercial Bank about your request to revoke your e-Cert.

For Hongkong Post Bank-Cert (Shanghai Commercial Bank)and Digi-Sign SCB Personal Premium Certificate, you may submit a request to revoke your Bank-Cert or Premium Certificate by letter or by calling our Customer Services Hotline at 2818 0282, in person at any SCB branches or send a digitally signed e-mail to SCB RA Centre, e-mail address is ra@shacombank.com.hk.

Which Certificate Storage Devices do Internet Banking support?

• Hong Kong Smart ID Card
• Floppy*
• i-Key
• USB (Hongkong Post "eCert File Drive" or Digi-Sign "USB FLASH DRIVE")*

What do I need to install in order to use Hongkong Post e-Cert (Personal) for Smart ID Card for Internet Banking?

In order to access and use the e-Cert stored in your smart ID card, you should first install a card reader onto your computer. Then, install an e-Cert Control Manager utility program, which is downloadable from Hongkong Post e-Cert website or included in your card reader, onto your computer.

What should be aware of when I use a Digital Certificate for the first time?

There is no special system requirement for using digital certificate However, some of the secure storage medias (as list below) for digital certificate may have to properly install their drivers and utility software beforehand.

Hong Kong Smart ID Card
It requires a HK Smart ID compatible card reader and software (such as Java JRE, driver, ......etc). For details, please contact Hong Kong Post.

iKey Token (USB Interface)
It requires the followings Java JRE, driver and utility software

Step 1 : - Software for iKey Token (Download) (User Manual)
Step 2 : - iKey Auxiliary Driver 2003 (Download) (Installation Manual)
Step 3 : - Java JRE 1.5 or above (Download)

What is i-Key?

i-Key is a key-shaped container for Digital Certificates, which is small in size and easily portable. The capacity for i-Key is 2 digital certificates. After loading the Digital Certificates into the i-Key, users only need to remember one password for all the encompassed Digital Certificates.

Where should I insert my i-Key? How can I know that I have inserted the i-Key properly?

You should insert your i-key in the USB slot of your computer. If you correctly plug in, the green light will be shown.

What transactions require the use of e-Cert ?

If you have opted for using an e-Cert, the following functions will require e-Cert authentication before you can proceed further:

Functions

Banking Services

Transfer and Payment

• Account Transfer within Our Bank
• Our Bank's Credit Card Payment
• Bill Payment (includes ePayment & Jet Payment)
• Outward Transfer (T/T, CHATS, ECG)
• Purchase of Bank Draft (D/D, C/O)

Time Deposit Placement

• Fixed Deposit Placement
• Change Fixed Deposit Renewal Instruction
• Call Deposit "Large" Placement

Customer Services Requests

• Cheque Book Request
• Withdrawal Slip Request

Investment Services

Unit Trust Services

• Unit Trusts Subscription
• Unit Trusts Redemption
• Same Fund House Switching

Risk Profile Analysis

• Risk Profile update

Credit Card Services

Transfer and Payment

• Our Bank's Credit Card Payment
• Bill Payment (includes ePayment & Jet Payment)

MPF Services

MPF contribution

• Master Trust Scheme Contribution
• Industry Scheme Contribution

Insurance Services

Travel Insurance

• Single Trip Travel
• Annual Multi Trip Travels

How does your Internet Banking protect my information?

(a) We provide efficient system and network security which include SSL (Secure Socket Layer) with 128-bit encryption and Firewalls.
(b) Identification of User ID and password with compulsory change of password upon first time logon.
(c) Automatic logoff after the inactivity of your Internet Banking service for some time.
(d) Option to use digital certificate for login and authorize digitally signed transactions.

What can I do to protect my financial information?

(a) Secure your User ID and password in a proper place.
(b) Change your password periodically. Avoid using easy-to-guess password such as your birthday or phone number.
(c) Make sure that no one is watching when you logon.
(d) Logoff properly when you leave your computer.
(e) Take the following procedures:

(A) Clear Cache Procedure
*Please make sure that you clear your browser's cache to prevent someone else from being able to access the information on your computer:

For Microsoft Internet Explorer 5.0 or above:

• Select "Tools" from the Menu bar.
• Select "Internet Options".
• Select "General".
• Click "Delete Files" button and answer "OK".
• Click "OK" to exit the dialog box.

For Netscape Communicator 4.8:

• Select "Edit" from the Menu bar.
• Select "Preferences".
• Expand "Advanced" to show "Cache".
• Select "Cache".
• Click "Clear Disk Cache Now" button and answer "OK".
• Click "Clear Memory Cache Now" button and answer "OK".
• Click "OK" to exit the dialog box.

For Netscape 6.x:

• Select "Edit" from the Menu bar.
• Select "Preferences".
• Expand "Advanced" to show "Cache".
• Select "Cache".
• Click "Clear Memory Cache".
• Click "Clear Disk Cache".
• Click "OK" to exit the dialog box.

For Netscape 7.x:

• Select "Edit" from the Menu bar.
• Select "Preferences".
• Expand "Advanced" to show "Cache".
• Select "Cache".
• Click "Clear Cache".
• Click "OK" to exit the dialog box.

(B) Disable auto-complete function Procedure

For Internet Explorer 5.0 or above:

• Select 'Tools' from the Menu bar.
• Select 'Internet Options'.
• Select 'Content' tab, and the 'auto-complete' button.
• Uncheck the 'User names and passwords on forms'.

For Netscape 6.x:

• Select "Edit" from the Menu bar.
• Select "Preferences".
• Expand "Privacy and Security".
• Select "Forms".
• Uncheck the 'Save form data from web pages when completing forms.'.
• Select "Web Passwords".
• Uncheck the 'Remember passwords for sites that require me to log in.'.

For Netscape 7.x:

• Select "Edit" from the Menu bar.
• Select "Preferences".
• Expand "Privacy and Security".
• Select "Forms".
• Uncheck the 'Save form data from web pages when completing forms.'.
• Select "Passwords".
• Uncheck the 'Remember passwords'.

What is encryption and why do I need it?

Encryption refers to scrambling data so that unauthorized parties cannot decipher it. It is important that your confidential information remain secure as it is passed between your PC and our Bank's server. To ensure that your information is as secure as possible, we require that your browser uses 128-bit encryption. Please refer to our system requirements for the most secure technical environment.

What hardware and software do I need?

To use SCB's Internet Banking, you will need the following:

• Pentium III or higher of IBM-Compatible PC
• 128 MB RAM or more main memory
• SVGA or higher resolution monitor
• Modem of 56kbps or faster
• Windows 98/NT/2000/XP
• Netscape 7.2 or Microsoft Internet Explorer 5.01 or above, supporting 128-bit encryption
• Java and JavaScript enabled
• SSL version 2.0 and 3.0 enabled.
• JRE 1.3.1_10 or above, 1.4.1_06 or above, 1.4.2_03 or above.

How can I enable Java, JavaScript and SSL for my computer?

(A) Enable Java, JavaScript

Steps to enable Java and JavaScript for Netscape Communicator 4.8:

(a) Select "Edit" from the Menu bar.
(b) Select "Preferences".
(c) Select "Advanced" under "Category".
(d) Click "Enable Java" and "Enable JavaScript" check box.
(e) Click "OK" to exit the dialog box.

Steps to enable Java and JavaScript for Netscape 6.x:

(a) Select "Edit" from the Menu bar.
(b) Select "Preferences".
(c) Select "Advanced".
(d) Click "Enable Java" and "Enable JavaScript for Navigator" check box.
(e) Click "OK" to exit the dialog box.

Steps to enable Java and JavaScript for Netscape 7.x:

(a) Select "Edit" from the Menu bar.
(b) Select "Preferences".
(c) Select "Advanced".
(d) Click "Enable Java" check box.
(e) Expand "Advanced".
(f) Select "Scripts & Plugins".
(g) Click "Scripts & Plugins" check box.
(h) Click "OK" to exit the dialog box.

Steps to enable Java and JavaScript for Microsoft Internet Explorer 5.0 or above:

(a) Select "Tools" from the Menu bar.
(b) Select "Internet Options".
(c) Select "Security" Tab.
(d) Select "Internet" as a "Web content zone", also select "Medium" under "Security level for this zone" .
(e) Click "OK" to exit the dialog box.

(B) Enable SSL

Steps to enable SSL for Netscape Communicator 4.8:

(a) Select "Communicator" from the Menu bar.
(b) Select "Tools".
(c) Select "Security Information".
(d) Select "Navigator".
(e) Go to "Advanced Security (SSL) Configuration" section and click "Enable SSL (Secure Sockets Layer) v2" and "Enable SSL (Secure Sockets Layer) v3" check box.
(f) Click "OK" to exit the dialog box.

Steps to enable SSL for Netscape 6.x or 7.x:

(a) Select "Edit" from the Menu bar.
(b) Select "Preferences".
(e) Expand "Privacy and Security".
(f) Select "SSL".
(g) Select "Scripts & Plugins".
(h) Click "Enable SSL version 2" and "Enable SSL version 3" check box.
(i) Click "OK" to exit the dialog box.

Steps to enable SSL for Microsoft Internet Explorer 5.0 or above:

(a) Select "Tools" from the Menu bar.
(b) Select "Internet Options".
(c) Select "Advanced" Tab.
(d) Go to "Security" section and check the box "Use SSL 2.0" and "Use SSL 3.0" ; also un-check the box "TLS1.0".
(e) Click "OK" to exit the dialog box.

Upgrade to 128-bit SSL for Microsoft Internet Explorer 5.0 or above:

(a) Select "Help" from the Menu bar.
(b) Select "About Internet Explorer".
(c) Click on the "Update Information" to download 128-bit SSL from Microsoft
(If your record does not show 128-bit)

If my computer crashes or my Internet connection is cut off after I have confirmed my transaction, how can I know whether the transaction has been processed?

You can logon the Internet Banking again and check the status of the transaction using 'Internet Banking Activity Log' function. Or, if the transaction involves funds transfer, you can check the account balances using 'Account Balance' function. Furthermore, you can call our hotline at (852) 2818 0282 during office hours.

What should I do if I do not get a response after clicking a hyperlink, a button or an icon?

Factors like heavy net traffic hours, speed of modem and telephone lines, and server workload may affect the speed of Internet access and the response may unavoidably become very slow. If you encounter slow response, please wait. Avoid repeatedly clicking a particular hyperlink or button. Or, you can logoff from your current session and try again later.

In addition, certain Anti-virus software may prohibit the use of Java and JavaScript in web browsers. If you get no response when you click the "Internet Banking", "Corporate Internet Banking" and "Card On Net" buttons after installing such software, please confirm the appropriate settings with your software vendor.

How do I know that I am performing transactions using the Internet Banking Service of Shanghai Commercial Bank Ltd.?

On the Logon page, you will see a small lock at the bottom of the screen. If you double-click the lock, a server certificate issued by VeriSign will appear and the details and validity of the certificate will be shown.

I would like to suspend my service / password immediately because my password is lost / known by someone else. What should I do?

You may encounter various password security problems, such as a suspected/actual leakage of password that you may think someone other than you may know the password; or a fraudulent access that you may suffer losses, etc. To prevent any possible losses, it is better to suspend i-Banking service / password immediately. Please call (852) 2818 0282, select language and press " 8 " to contact our Customer Service Representatives.