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SME Internet Banking

Overview

1. SME Internet Banking

Our all-in-one SME banking solutions enable you to manage day-to-day banking with ease. You can apply for an SME business account through our SME Online Onboarding and Loan Application Platform ("Platform") if your company is a Hong Kong registered and operating as a limited company, partnership or sole proprietorship without any corporate directors, corporate shareholders, corporate partners or corporate authorized signatories, and has no more than 4 individual directors, shareholders, authorized signatories or ultimate beneficial owners who have valid identification proof.

Simply apply for a SME business account through our Platform in as fast as 1 working day1. SME Internet Banking is only applicable for those business accounts opened through our Platform.

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Please visit any of our branches for account opening or call our hotline at (852) 2818 0282 for more details.


Remark:

1Subject to eligibility and upon providing all required documents or information.

Use of SME Internet Banking and SME Online Onboarding and Loan Application Platform is subject to relevant Terms and Conditions. Please click the links below and read carefully:

Terms and Conditions (Current)

Terms and Conditions Effective Date (if applicable)
Terms and Conditions for SME Online Onboarding and Loan Application Platform and Services 24 Nov 2024
Circular to Customers and Other Individuals relating to the Collection and Handling of Personal Data 1 Feb 2025
Terms and Conditions for Bank Accounts and General Services 16 Dec 2024
Terms and Conditions for Business Instalment Loan 24 Nov 2024
Terms and Conditions for Interbank Account Data Sharing ("IADS") 24 Nov 2024
Provisions for Electronic Identity Verification (eIDV) and Identification Proof Upload for Account Opening and Important Notes 24 Nov 2024

2. Key Functions

SME Internet Banking offers a comprehensive range of functionalities to simplify your business financial management.

  • Account Dashboard
    Infographics presentation provides a better understanding of the account status

  • Pending Items Notification
    Stay informed of any outstanding action which needs immediate attention
  • Quick Actions
    Shortcuts to routine transfer functions to provide greater convenience
  • Transaction Overview
    Review all current transaction status at a glance
  • Transaction Filtering and Searching
    Filter and search by keywords to find specific transactions for reconciliation with ease
  • Secure Payment
    Make transactions quickly and securely by using Mobile Security Token (Soft Token)
  • Instant SWIFT Code Validation
    By selecting the beneficiary bank, the corresponding SWIFT code will be displayed
  • Recording Transactions
    For easy record and reconciliation, documents and remarks can now be added to individual transactions
  • Security Questions
    Set up security questions and answers for any future password reset request to provide greater convenience
  • Authorization Level Settings
    Single layer or two-layer approval settings enhance the flexibility of approval

3. Business Instalment Loan

To support SMEs in handling the financing needs, we are here to empower your business with Business Instalment Loan which is tailored for SMEs.

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Key Facts Statement

Features & Benefits

  • Loan amount up to HK$ 2,000,000
  • Loan tenor up to 36 months
  • Save the hassles to submit physical documents* by providing IADS consent
    Simply provide IADS consent for sharing deposit account data from other banks during loan application, SMEs are no longer required to submit bank statements and other physical documents*.
  • Account opening and loan approval in as fast as 1 working day^

Remarks:
* Depending on individual application circumstances, the Bank may require customers to provide additional documents for approval.
^ Account opening and loan approval can be completed as soon as the next working day after the customer submits the application. Customers must fulfill the eligibility and have submitted the required documents or information. Account opening and loan services are subject to relevant terms and conditions.
 

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Reminders about Responsible Borrowing

  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should have assessed your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
  • To borrow or not to borrow? Borrow only if you can repay!

In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hotline 2818 0282.

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