Personal Internet Banking

1. Only customers opt for using security device can perform non-registered account transfer. You can perform Outward Transfer/Purchase of Bank Draft for non-registered beneficiary, or non registered bill payment to Banking & Credit Card Services/ Credit Services/ Securities Brokers/ HK Jockey Club. A maximum of 60 non-registered beneficiaries' details can be saved in your Internet Banking account.
2. You will receive a free SMS notification through a designated mobile phone number registered with us after performing the above transactions via Personal Internet Banking. Customers who have not registered a valid mobile phone number with us will no longer be able to perform the above transactions. If you need to register your mobile phone number, please kindly fill in the "Notice for Change of Contact Details" and return it to any of our branches.

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; You can also increase the non-registration account limit or relevant payment limit in the “Change Transaction Limit” in “Personalization” (requires use of security token)

The maximum limits allowed in Internet Banking are as follows:
 

Type of Funds Transfer	Maximum Daily Limit per Customer
Own Account Transfer(account registered) Same Party Credit CardPayment (account registered)	2 functions total: HKD999,999,999 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 (ECG/CHATS/TT) (beneficiary registered) Purchase of Bank Draft (beneficiary registered)	4 functions total: HKD1,000,000 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: HKD50,000 or its equivalent
Exchange	HKD500,000 or its equivalent - (HKD50,000 for non-registered beneficiary under Outward Transfer and Purchase of Bank Draft) minimum HKD100 for each funds transfer involving foreign currency exchange
Investment Services	HKD50,000,000 or its equivalent
Insurance Services (only applicable to our bank's insurance services)	HKD100,000 or its equivalent
e-IPO Payment	HKD100,000 or its equivalent
Government Tax Payment	HKD500,000 or its equivalent
Bill Payment Master Limit*	HKD100,000 or its equivalent
Government or Statutory Organisation	HKD100,000 or its equivalent
Banking and Credit Card Services	HKD100,000 or its equivalent
Public Utilities	HKD100,000 or its equivalent
Telecommunication Services	HKD100,000 or its equivalent
Credit Services	HKD100,000 or its equivalent
Securities Broker	HKD100,000 or its equivalent
HK Jockey Club	HKD100,000 or its equivalent
Education Institutions, Professional Institutions, Charity Organisations, Insurance Companies, Catering Services, Property Management, Travel Agencies and Others	HKD100,000 or its equivalent
MPF Contribution	HKD100,000 or its equivalent

*Payment to same merchants either by bill Payment or e-Bill 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.

For Outward Transfer/Purchase of Bank Draft to other banks, 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 outside our Bank; and
(e) from your registered own account to non-registered beneficiary outside our Bank.

The daily limit for non-registered transactions falling within the categories under (A) and (B) as below will be reset to zero if you have not performed the Non-registered transactions via Personal Internet Banking over the past year. You can raise the limit for transactions under by submitting an "Instruction and Request Form for i-Banking - Internet Banking Daily Transfer Limit Maintenance" to any of our branches or go to“Change Transaction Limit” in “Personalization” (requires use of security token).

(A) Fund Transfer to Non-registered Beneficiary

1. Account Transfer to an account within our Bank
2. T/T - Telegraphic or Electronic Transfer
3. CHATS - Local Bank Same Day Electronic Transfer
4. ECG - Local Electronic Transfer through clearing
5. Purchase of Demand Draft and Cashier's Order

 

(B) Bill Payment to merchants as below

1. Banking & Credit Card Services
2. Credit Services
3. Securities Brokers
4. HK Jockey Club

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
  - 5:00pm (Monday to Friday)
  (There is 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
  - 5:00pm (Monday to Friday)
  - 10:30am (Saturday)
• For Local Bank Fund Transfer (free of charge via Electronic Clearing
  - 7:30pm (Monday to Friday)
  (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)
• e-Bill Payment
  10:00am on next day (Monday to Friday)
  
  (Customers can also continue to use bill payment service through Internet Banking after the cut-off time. All requests made will be treated as instructions received and processed on the next clearing day.)

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.