Internet Banking - Frequently Asked Questions Frequently Asked Questions General Information Service Application Via Branch Via Internet Account Operation Banking Services Account Enquiry Account Balance Account Activities Time Deposit/Planned Savings Details Cheque Status Account Services Transfer Fund Within Our Bank Transfer Fund To Other Bank Buy/Sell Currency Set Up Time Deposit Renew/Uplift Time Deposit/Place Maturity Instruction Stop Cheque Payment Request Cheque Book Request Account Statement Cashier's Order Demand Draft Standing Instruction ATM Card Application e-Statement Online Account Opening Upgrade A/C segment ICBC(Asia) Messaging Service About ICBC(Asia) Messaging Service Application for Service Service Charges Alert Delivery Modify Service settings Suspend and Terminate Service Payment Investment Securities RMB Denominated Stock Services Investment Funds IPO IPO Financing Bonds(IPO) Certificate of Deposit Credit Card Application Payment Enquiry Credit Limits ICBC Remittance Insurance General Information Travel Insurance Policy Enquiry Claim Form Elite Club Fund Sweeping Limit Reduction ICBC A/C EasyAccess Account Maintenance Scheduled Transactions Transfer Limit Deduction Two Factor Authentication Registration ICBC (Asia) USB-Shield Second Password Applications Mortgage Instalment Loan Trade Finance Interest Rate/Exchange Rate Message Box Change Password   System Security Contact Us   General Information TOP Q1. What is the Internet Banking Service offered by your Bank? A: Our Bank's Internet Banking Service allows you to access your accounts with us and perform various kinds of transactions anywhere, anytime, and in a convenient and safe manner. You can view your account balances, perform funds transfer between ICBC(Asia) accounts as well as to other bank accounts, and make bill payments. Besides, you can preset instructions for your transfers and bill payments. What's more, you can apply for various kind of banking service and obtain various updated information through our Internet Banking Service.     Q2. What are the services available from your Internet Banking Service? A: Internet Banking Service offers you the following services     Account Enquiry Account Services Payment Account Maintenance Applications Rates Enquiry Message Box     Q3. Are the services available 24 hours? A: Yes, the services are available 24 hours a day, seven days a week. However, transactions made after cut-off time will be valued on the next working day, and the cut-off time will be differentiated in accordance to the related services.     Q4. Can I access the services when I'm overseas? A: Yes, as long as you have access to the Internet with the recommended browser, you will be able to access our Internet Banking Service anywhere around the world.     Q5. Do I need to pay for using your Internet Banking Service? A: No, the service is free. However, some specialized transactions are subject to normal handling charges and fees. Examples of these fees are: stop cheque payment charges, handling charges for issuance of cashier's order and demand draft, charges for telegraphic transfer and CHATS and postage for registered mail of cheque book, cashier's order and demand draft.     Q6. Can I get any discount on the normal handling charges by using your Internet Banking Service? A: Our Bank gives 20 - 30% discount off the standard charges for processing the specialized transaction via Internet Banking Service. Please refer to the 'Service Charges Table' * for details.     Q7. Should I pay any additional charge for the bill payment services? A: No, it is free.     Q8. What language can be chosen in your Internet Banking Service? A: You can choose either English or Chinese version to view our Internet Banking Service. However, you can input English only during application for various kind of banking services.     Q9. How many accounts can be pre-registered in the Internet Banking Package? A: You can register the account registration function upon application. After the approval of your application, all accounts under same account title will be auto registered to your e-Banking Account for your transaction processing. Also, you can register transferee accounts under the e-Banking Account for funds transafer.     * To view and print the information, please download Adobe Acrobat Reader first.   Service Application Via Branch TOP Q1. What do I need to do before using your Internet Banking Service? A: All ICBC(Asia) account holders are eligible to apply for our Internet Banking Service. Simply fill out the Banking Services & Accounts Application Form (for personal account) or the Commercial Internet Banking Service Application Form (for business account) and submit it in person to any of our branches. A Password will be given to you at branch once the application has been approved.     Q2. Do I need to register the accounts before I can operate them in your Internet Banking Service? A: You may register your accounts if you want to operate the accounts in our Internet Banking Service. Also, if you like to make funds transfer to any third party account, you may register these third party accounts too.     Q3. Can I change my User ID? A: Yes, you can change your user ID; however, this function is only applicable for Personal Internet Banking Customers.     Q4. Are authorized users of business account given separate User ID and Password for your Internet Banking Service? A: Yes, each authorized user of business account is given a separate User ID and Password upon application at branch. Some of the functions can be performed singly while some required confirmation from account holders jointly according to the signing instruction filed with the Bank. Via Internet TOP Q1. Who can apply the Internet Banking Service via Internet? A: The personal customer is applicable for the service. Joint Account customer and Company Account customer are not accepted to perform on-line registration of lnternet Banking Services, they are required to approach any of our branches for application of the service.     Q2. How do I register Personal Internet Banking services? A: You can simply click on the button of "Register Now" on the Personal Internet Banking login page and follow the instruction through the registration process. You can make use of any one of the following accounts' password to register for the Personal Internet Banking services : - ATM Card - Phone Banking - Credit Card Account During the process, you are required to provide the account number, ATM/Phone Banking password, HKID Card/Passport/Travel Permit/Chinese ID Card number and date of birth for the registration.     Q3. What should I do if I have inputted invalid information during the registration process? A: If you input invalid information such as account number, password or date of birth, we will prompt you to re-enter the information again. Please be reminded if you input invalid information many times, the system will terminate the on-line registration.     Q4. When should I use the Personal Internet Banking Services after registration? A: After completion of the registration, you can login to our Personal Internet Banking Services immediately by inputting your selected "User Name" and "password".     Q5. What kind of accounts can I access in Personal Internet Banking Services? A: Using ATM or Phone Banking account for registration, you can access all the accounts in your name via Personal Internet Banking Services, including deposit accounts, investment accounts, credit card accounts and loan accounts. Using ATM or Phone Banking password of Credit Card account for registration, you can only access the Credit Card account which used in registration for enquiry.     Q6. Can I change my user name and password? A: The user name cannot be changed after registration. However, you may change the password by selecting "Admin." > " Service Maintenance" > "Change PIN".     Q7. Can supplementary Credit Card account holder on-line register Personal Internet Banking Services? A: Supplementary Credit Card account holder is not accepted for Personal Banking Services on-line registration, which should be applied by the primary Credit Card account holder. Account Operation TOP Q1. What are the transaction limits in your Internet Banking Service? A: The daily maximum limit of funds transfer, are as follows:   Transaction Type Personal Account Business Account   Same Party Pre-registered Account Transfer (Including purchase of Cashier's Order and Demand Draft to be collected by account holder at designated branch) Unlimited Unlimited   Pre-registered Third Party Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) Total daily limit: HKD500,000 * Customer can further define the individual transfer limit per Pre-registered account upon application -          For CNY Telegraphic transfer, the maximum total daily limit is CNY80,000 per customer which is only applicable for Personal Account at the moment -          For CNY funds transfer, the maximum total daily limit is CNY20,000 per customer   Total daily limit: HKD10,000,000 for Two Factor Authentication Registration user** HKD2,500,000 for Non Two Factor Authentication Registration user ** Customer can further define the individual transfer Pre-registered account upon application   Non-registered Third Party Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) HKD100,000 for Two-Factor Authentication user Zero amount for Non Two-Factor Authentication user HKD500,000 for Two-Factor Authentication user Zero amount for Non Two-Factor Authentication user   General Bill Payment (Including all bill payments, credit card payments and donations) HKD50,000 * HKD50,000 *   Tax Payment HKD200,000* HKD200,000 *   White Form eIPO Online Payment HKD4,000,000 * N/A   Currency Exchange Between HKD and USD   HKD200,000,000 or its equivalent   HKD200,000,000 or its equivalent   Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD HKD25,000,000 or its equivalent HKD25,000,000 or its equivalent   Between HKD and SGD HKD10,000,000 and its equivalent HKD10,000,000 and its equivalent   Between HKD and RMB RMB20,000 and its equivalent Not applicable at the moment   * Customer can define the transfer limit upon application, and the customer can also reduce the transfer limit via Internet (the reduction transfer limit function is not applicable for company customer). ** Customer can further define the individual transfer limit per Pre-registered account upon application.   Q2. What are the cut-off time and value dates for the transactions performed in your Internet Banking Service? A: For transferring funds within the Bank, the cut-off time is 7:30p.m. from Monday to Friday and 5:30 p.m. on Saturday. For bill payment, the cut-off time is 7:30 from Monday to Friday. After the cut-off time, all transactions will be valued the next working day and the daily transaction limit will be re-calculated. You can place instruction for currency trading any time. If you place the instruction from Monday 8:00a.m. to Saturday 1:00p.m (Except Dec 25 and Jan 1), the Bank will process your instruction immediately. If you place the instruction beyond the time period, the instruction could only be executed on next business day.   For time deposit, the service hour is available from 9:00a.m. to 6:00p.m., Monday to Friday, and 9:00a.m. to 1:00p.m. on Saturday.     Q3. When should I re-input my PIN or e-Cert Password for confirmation of the transactions performed through your Internet Banking Service? A: Re-input of PIN or e-Cert Password according to the account's signing instruction filed with the Bank is required for the confirmation or authorization of the following transactions:       Transaction Type Personal Account (Confirmation) Business Account (Authorization)   Transfer Fund Within Our Bank (Pre-registered account) PIN PIN   Transfer Fund Within Our Bank (Non-registered account) e-Cert/SMS Password Digi Cert password *   Transfer Fund To Other Bank (Pre-registered account) PIN PIN   Transfer Fund To Other Bank (Non-registered account) e-Cert/SMS Password Digi Cert password *   Buy/Sell Currency PIN PIN   Set Up Time Deposit, Renew/Uplift Time Deposit, Place Maturity Instruction PIN PIN   Renew/Uplift Time Deposit, Place Maturity Instruction related to Non-registered account e-Cert/SMS Password Digi Cert password *   Cashier's Order (by mail or collected by Account holder / authorized signer) PIN PIN   Cashier's Order (collected by authorized person) e-Cert/SMS Password Digi Cert password *   Demand Draft (by mail or collected by Account holder / authorized signer) PIN PIN   Demand Draft (collected by authorized person) e-Cert/SMS Password Digi Cert password *   Bill Payment (Other Credit Card and Finance Payment) e-Cert/SMS Password N/A   Bill Payment (Our Bank Credit Card Payment) PIN N/A   Standing Instruction Application e-Cert/SMS Password Digi Cert password *   ATM Card Application e-Cert/SMS Password N/A   Trade Finance Services N/A PIN   * Including the e-Certificate issued by Hongkong Post and the Digi-Sign / ICBC (Asia) USB–Shield issued by Digi-sign Certification Services Limited.     Q4. How do I know my transaction is completed? A: Except for enquiry and application transactions, a confirmation screen will appear with a reference number generated to you. You can also use Account Activities Enquiry to view the transaction.     Q5. How do I know whether my instructions have been accepted or not, in case there is communication interruption? A: You can check your account balances and account activities ensuring that the transactions has been accepted.     Q6. How to reissue or reset the password if I forget my password? A: If you would like to reissue the Internet Banking password, please visit our branch for processing or fill in the following form :- Personal Internet Banking/Phone Banking Services Application / Amendment Form Commercial Internet Banking Service Special Instruction Form Please send the filled form to the ICBC(Asia) branch where your account was opened.     Q7. How can I suspend my Internet Banking Service? A: You can contact any of our branches or call Customer Service Hotline on 218 95588 for suspension of Internet Banking Service.     Q8. I have suspended my Internet Banking Service. How can I resume operation of the service? A: You can visit any of our branches and fill out the Internet Banking Service Information Amendment Form (for personal account) or the Commercial Internet Banking Service Special Instruction Form (for business account) for release of the suspension. Banking Services Account Enquiry Account Balance TOP Q1. Can I enquire the balances of all my ICBC(Asia) accounts through your Internet Banking Service? A. Yes, you can check the balances on your Primary Account or Sub Accounts registered in the Internet Banking Package, except Time Deposit Account and Planned Savings Account, which can only be checked through the function of Time Deposit/Planned Savings Details Enquiry.     Q2. Are all the balances shown being up-to-date? A. The balances are real-time update except those transactions performed after cut-off time or on a public holiday will be shown on the next working day's account activities. Account Activities TOP Q1. Can I enquire my account activities through your Internet Banking Service? A. Yes, you can enquire transaction activities of your accounts registered in the Internet Banking Package except Time Deposit Account & Planned Savings Account. The period available for enquiry is up to the last two months. Time Deposit / Planned Savings Details TOP Q1. Can I enquire the balances of all my Time Deposit/Planned Savings Deposit through your Internet Banking Service? A. Yes, you can enquire all the deposit balances of your Time Deposit Account/Planned Savings Account which you have pre-registered in the Internet Banking Package. Cheque Status TOP Q1. Can I enquire about the status of my issued cheques through your Internet Banking Service? A. Yes, you can enquire the status of cheques under your registered accounts in our Internet Banking Service. The period available for enquiry is upto the last six months. Account Services Transfer Fund Within Our Bank TOP Q1. What are the different types of funds transfer available? A. Two types of funds transfer are available to you through our Internet Banking Service:   Same Party Account Transfer Pre-registered Third Party Account Transfer     Q2. What are the transaction limits in your Internet Banking Service? A. Maximum daily transaction limits are as follows:   Transaction Type Personal Account Business Account   Same Party Pre-registered Account Transfer (Including purchase of Cashier's Order and Demand Draft to be collected by account holder at designated branch) Unlimited Unlimited   Pre-registered Third Party Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts)               Total daily limit: HKD500,000 * Customer can further define the individual transfer limit per Pre-registered account upon application -          For CNY Telegraphic transfer, the maximum total daily limit is CNY80,000 per customer which is only applicable for Personal Account at the moment -          For CNY funds transfer, the maximum total daily limit is CNY20,000 per customer Total daily limit: HKD10,000,000 for Two-Factor Authentication user** HKD2,500,000 for Non Two-factor Authentication user ** Customer can further define the individual transfer Pre-registered account upon application   Non-registered Third Party Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) HKD100,000 for Two-Factor Authentication user   Zero amount for Non Two-Factor Authentication user HKD500,000 for Two-Factor Authentication user Zero amount for Non Two-Factor Authentication user   General Bill Payment (Including all bill payments, credit card payments and donations) HKD50,000 * HKD50,000 *   Tax Payment HKD200,000 * HKD200,000 *   White Form eIPO Online Payment HKD4,000,000 * N/A   Currency Exchange Between HKD and USD   HKD200,000,000 or its equivalent   HKD200,000,000 or its equivalent   Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD HKD25,000,000 or its equivalent HKD25,000,000 or its equivalent     Between HKD and SGD   HKD10,000,000 and its equivalent   HKD10,000,000 and its equivalent     Between HKD and RMB   RMB20,000 and its equivalent    Not applicable at the moment   * Customer can define the transfer limit upon application, and the customer can also reduce the transfer limit via Internet (the reduction transfer limit function is not applicable for company customer). ** Customer can further define the individual transfer limit per Pre-registered account upon application.   Q3. What are the service hours for the function of fund transfer? A. The service is available for 24 hours. However, the transaction performed after cut-off time (i.e. 7:30p.m. from Monday to Friday and 5:30p.m. on Saturday) will be valued on the next working day. Post-dated fund transfer can be placed any time.     Q4. Can I preset a scheduled transfer? A. Yes, you can make your scheduled transfer 30 calendar days ahead of time and the effective date must be a bank business day.     Q5. Can I delete a scheduled transfer? A. Yes, you can delete your scheduled transfer anytime online before the effective date.     Q6. Can I make any amendments to the scheduled transfer? A. This is not available at the moment. You can delete your scheduled transfer anytime online before the effective date.     Q7. Do I need to have sufficient fund in my account when I make a scheduled transfer? A. Yes, it is necessary to have sufficient fund in your account when you make a scheduled transfer. Moreover, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.     Q8. How do I know the result of my scheduled transfer? A. You can check the result of your scheduled transfer under the Message Box Section on the effective date after 10:00a.m.. Meanwhile, a pop up box will be shown to alert you of any new messages when you login to our Internet Banking Service.   Transfer Fund To Other Bank TOP Telegraphic Transfer Q1. Can I transfer funds overseas through your Internet Banking Service? A. Yes, you can transfer funds overseas by Telegraphic Transfer through our Internet Banking Service.     Q2 Can I transfer Renminbi to other bank accounts in Mainland China via your Internet Banking Service?   Yes, you can make the CNY Telegraphic Transfer to other banks' account in Mainland China through our Internet Banking Service; however, this service is only applicable for personal CNY account holders at the moment.     Q3. Do I need to pre-register the beneficiary accounts for fund transfer to other banks overseas? A. Yes, you need to register the beneficiary accounts if you want to perform fund transfer to other banks overseas through our Internet Banking service. However, if you have registered two-factor authentication for the authorization method, you need not to pre-register the beneficiary accounts for transferring funds to other banks overseas.     Q4. Do I need to pre-register the beneficiary accounts for transferring Renminbi to other banking accounts in China?     A. Yes, you need to pre-register the beneficiary accounts at branch and the beneficiaries' name must be registered in Chinese Telex Code unless the beneficiary has no Chinese name. Meanwhile, the remitter's name must be same as the beneficiary.     Q5. How many beneficiary accounts can be pre-registered for fund transfer to other banks overseas through your Internet Banking Service? A. You can pre-register a maximum of ninety-nine beneficiary accounts in the Internet Banking Package for transfer funds overseas.     Q6. What is the maximum amount that I can transfer by Telegraphic Transfer? A. The daily maximum amount for each beneficiary is HKD500,000 and HKD2,500,000 or its equivalent for personal account and business account holders respectively. Meanwhile, the total daily limit for registered third party account is HKD500,000 and HKD2,500,000 or its equivalent for personal account and business account holders respectively. However, the transfer limit shares with the combined daily limit for transfer funds to pre-registered third party accounts within our bank and other bank, including the CNY Telegraphic Transfer and the maximum daily telegraphic transfer limit is CNY80,000. Besides, the maximum daily transfer limit for non-registered third party account for personal account is HKD100,000 or its equivalent and business account is HKD500,000 or its equivalent.     Q7. Is there any service charge or corresponding fee involved in Telegraphic Transfer through your Internet Banking Service? A. Yes, corresponding fee and charges are levied on your designated payment account by system automatically.     Q8. What are the service hours for the function of Telegraphic Transfer? A. For telegraphic transfer for all currencies other than CAD, the service is available from 9:30a.m. to 3:00p.m., Monday to Friday. For telegraphic transfer in CAD, the service is available from 9:30a.m. to 2:00p.m., Monday to Friday. Transactions not involving foreign exchange made after the cut-off time will be valued on the next working day. Post-dated Telegraphic transfer can be placed any time.     Q9. When will the beneficiary receive the money if I perform a Telegraphic Transfer today? A. The remittance amount, corresponding fees and charges will be debited from your account immediately. However, the time of the beneficiary receives the money will depend on the processing time of the corresponding bank concerned.     Q10. Do I need to open a multi currencies account beforehand? A. No, it is not necessary. After you have selected the remitting currency, the exchange rate and the HKD equivalent amount will be provided in the next screen for your confirmation before proceeding.     Q11 Do I need to open a Renminbi account beforehand for performing CNY Telephic Transfer via Personal Internet Banking Services? A. Yes, you need to open a CNY Account beforehand. It is because the remittance amount must be debited from the remitter's CNY Account.     Q12. Can I preset a scheduled Telegraphic Transfer? A. Yes, you can preset your scheduled Telegraphic Transfer in same currency 30 calendar days ahead of time and the effective date must be a bank business day exclusive of Saturday.     Q13. Can I delete a scheduled Telegraphic Transfer? A. Yes, you can delete your scheduled Telegraphic Transfer anytime online before the effective date.     Q14. Can I make any amendments to the scheduled Telegraphic Transfer? A. This is not available at the moment. You can delete your scheduled Telegraphic Transfer anytime online before the effective date.     Q15. Do I need to have sufficient fund in my account when I make a scheduled Telegraphic Transfer? A. Yes, it is necessary to have sufficient fund in your account when you make a scheduled Telegraphic transfer. Moreover, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.     Q16. How do I know the result of my scheduled Telegraphic Transfer? A. You can check the result of your scheduled transfer under the Message Box Section on the effective date after 10:00a.m.. CHATS Q1. Can I transfer funds to other banks in Hong Kong through your Internet Banking Service? A. Yes, you can transfer funds to other banks in Hong Kong by CHATS in HK dollar or US dollar through our Internet Banking Service. Besides, you can transfer funds to other local banks by Electronic Clearing in Hong Kong dollar through our Internet Banking Service.     Q2. Do I need to pre-register the beneficiary accounts for fund transfer by CHATS through your Internet Banking Service? A. Yes, you need to register the beneficiary accounts for fund transfer by CHATS through our Internet Banking Service at branch.     Q3. How many beneficiary accounts can be pre-registered for fund transfer to other banks in Hong Kong through your Internet Banking Service? A. You can pre-register a maximum of ninety-nine beneficiary accounts in the Internet Banking Package for transfer funds to other banks in Hong Kong (including transfer by CHATS and Electronic Clearing).     Q4. What is the maximum amount that I can transfer by CHATS? A. Transaction Type Personal Account Business Account   Pre-registered Beneficiary Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) HKD500,000 per registered account ** Total daily limit: HKD500,000 or its equivalent HKD2,500,000 per registered account ** Total daily limit: HKD2,500,000 or its equivalent   **Customer can set the daily transfer limit for pre-registered beneficiary account below HKD500,000 and HKD2,500,000 for personal account and business account respectively.     Q5. Is there any service charge involved in transfer by CHATS through your Internet Banking Service? A. Yes, charges are levied on your designated payment account by system automatically.     Q6. What are the service hours for the function of CHATS? A. For HKD & USD CHATS transfer, the service is available from 9:30a.m. to 5:00p.m., Monday to Friday. For Euro CHATS transfer, the service is available from 9:30a.m. to 4:00p.m.; Monday to Friday. Transactions not involving foreign exchange made after the cut-off time will be valued on the next working day. Post-dated CHATS transaction can be placed any time.     Q7. When will the beneficiary receive the money if I perform a CHATS transfer today? A. The remittance amount and fees will be debited from your account immediately and the beneficiary will receive the money on the same day.     Q8. Can I preset a scheduled transfer for CHATS? A. Yes, you can preset your scheduled transfer through CHATS 30 calendar days ahead of time and the effective date must be a bank business day exclusive of Saturday for USD/EUR transfer.     Q9. Can I delete a scheduled transfer for CHATS? A. Yes, you can delete your scheduled transfer for CHATS anytime online before the effective date.     Q10. Can I make any amendments to the scheduled transfer for CHATS? A. This is not available at the moment. You can delete your scheduled transfer for CHATS anytime online before the effective date.     Q11. Do I need to have sufficient fund in my account when I make a scheduled transfer for CHATS? A. Yes, it is necessary to have sufficient fund in your account when you make a scheduled transfer for CHATS. Moreover, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.     Q12. How do I know the result of my scheduled transfer for CHATS?     A. You can check the result of your scheduled transfer under the Message Box Section on the effective date after 10:00a.m.. Electronic Clearing Q1. Can I transfer funds to other banks in Hong Kong through your Internet Banking Service? A. Yes, you can transfer funds to other banks in Hong Kong by CHATS in HK dollar or US dollar through our Internet Banking Service. Besides, you can transfer funds to other banks in Hong Kong by Electronic Clearing in Hong Kong dollar through our Internet Banking Service.     Q2. Do I need to pre-register the beneficiary accounts for fund transfer by Electronic Clearing through your Internet Banking Service? A. Yes, you need to register the beneficiary accounts for fund transfer by Electronic Clearing through our Internet Banking Service at branch.     Q3. How many beneficiary accounts can be pre-registered for fund transfer to other banks in Hong Kong through your Internet Banking Service? A. You can pre-register a maximum of ninety-nine beneficiary accounts in the Internet Banking Package for transfer funds to other banks in Hong Kong (including transfer by CHATS and Electronic Clearing).     Q4. What is the maximum amount that I can transfer by Electronic Clearing? A. Transaction Type Personal Account Business Account   Pre-registered Beneficiary Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) HKD500,000 per registered account ** Total daily limit: HKD500,000 or its equivalent HKD2,500,000 per registered account ** Total daily limit: HKD2,500,000 or its equivalent   **Customer can set the daily transfer limit for pre-registered beneficiary account below HKD500,000 and HKD2,500,000 for personal account and business account respectively.     Q5. Is there any service charge involved in transfer by Electronic Clearing through your Internet Banking Service? A. No, this service is free of charge.     Q6. What are the service hours for the function of Electronic Clearing? A. The service is Mon - Fri 9:00a.m. - 10:00p.m. Transactions made after cut-off time (i.e. 7:30p.m. from Monday to Friday and 5:30p.m. on Saturday) will be valued on the next working day.Post-dated transaction can be placed any time.     Q7. When will the beneficiary receive the money if I perform an Electronic Clearing Instruction today? A. The payment amount will be debited from your account immediately and the beneficiary will receive the money within 3 working days.     Q8. Can I preset a scheduled Electronic Clearing Instruction? A. Yes, you can preset your scheduled Electronic Clearing Instruction 30 calendar days ahead of time and the effective date must be a bank business day.     Q9. Can I delete a scheduled instruction? A. Yes, you can delete your scheduled instruction anytime online before the effective date.     Q10. Can I make any amendments to the scheduled Electronic Clearing Instruction? A. This is not available at the moment. You can delete your scheduled instruction anytime online before the effective date.     Q11. Do I need to have sufficient fund in my account when I make a scheduled Electronic Clearing Instruction? A. Yes, it is necessary to have sufficient fund in your account when you make a scheduled instruction. Moreover, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.     Q12. How do I know the result of my scheduled Electronic Clearing Instruction? A. You can check the result of your scheduled transfer under the Message Box Section on the effective date after 10:00a.m.. Buy/Sell Currency TOP Q1. What are the transaction limit in your Internet Banking Service? A. The daily maximum limits are as follows:   a.      between Hong Kong Dollar and United States Dollar under one package is HKD200,000,000 or its equivalent b.      between Hong Kong Dollar and Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD is HKD25,000,000 or its equivalent c.     between Hong Kong Dollar and SGD is HKD10,000,000 or its equivalent d.      between Hong Kong Dollar and Renminbi (RMB) -         For Individual customer Under one package is RMB20,000 or its equivalent -         For designated business customer** Only one way exchange from RMB to HKD is allowed. There is no exchange limit but the transaction amount is in line with the business nature of the customer.   The minimum transaction limit is as follows:   a.      HKD100 or its equivalent   **The designated business customers include those engage in retail, catering, accommodation, transportation services, communication services, medical services and education services.     Q2. What are the service hours for the functions of buy/sell Currency? A. You can place transaction for currency trading any time. If you place the instruction from Monday 8:00a.m. to Saturday 1:00p.m (Except Dec 25 and Jan 1), the Bank will process your instruction immediately. If you place the instruction beyond the time period, the instruction could only be executed on next business day.     Set Up Time Deposit TOP Q1. Is it necessary to open a time-deposit account before making a time deposit with the Bank through Internet Banking Service? A. Yes, you should have opened a Time Deposit Account before making a time deposit with the Bank through Internet Banking Service.     Q2. What are the different types of Time Deposits that I can process through your Internet Banking Service? A. You can set up Regular Hong Kong Dollar, Renminbi and Foreign Currency Time Deposit through our Internet Banking Service.     Q3. What are the minimum deposit amounts of setting up Time Deposit? A. Minimum deposit amounts of setting up Time Deposit are: HKD, CNY 5,000、AUD 1,000、CAD 1,000、JPY 100,000、GBP 1,000、EUR 1,000、CHF 1,000、USD 1,000、NZD 1,000.     Q4. What are the service hours for setting up Time Deposit? A. You can place transaction for currency trading any time. However, instruction could only be executed on next business day after service hours. The service hours are from 9:00a.m. to 6:00p.m., Monday to Friday, and, 9:00a.m. to 1:00 p.m. on Saturday (except public holidays).     Renew/Uplift Time Deposit/Place Maturity Instruction TOP Q1. What are the different types of Time Deposits that I can process through your Internet Banking Service? A. You can renew/uplift/place maturity instruction for Regular Hong Kong Dollar and Foreign Currency Time Deposit through our Internet Banking Service.     Q2. Can I give my auto-renewal instruction for Time Deposit placed with your Bank through Internet Banking Service? A. Yes, you can give your auto-renewal instruction when setting up / renewing your Time Deposit at anytime within the service hours. The following types of auto-renewal instruction are available:   Principal and Interest Renewal Principal Renew and Interest Credit to ICBC(Asia) Account Principal and interest Redemption Pending for Further Instruction     Q3. If I select to renew my deposit, how many times will the deposit be renewed? A. Once a renewal instruction has been selected, the Bank will continue to act on your renewal instruction until further notice is received from you. If you wish to amend your maturity instruction, you may amend it within the service hours on or before the deposit matures through the Internet Banking Service.     Q4. Can I place the maturity instruction for transferring funds to another foreign currency amount through your Internet Banking Service? A. No, maturity instruction involving transfer of funds to another foreign currency amount is not accepted.     Q5. Can I amend the maturity instruction when the deposit has been made? A. Yes, you can amend the maturity instruction within the service hours on or before the deposit maturity date.     Q6. If I have made a time deposit at branch, can I change the maturity instruction through your Internet Banking Service? A. Yes, you can amend the maturity instruction of your regular Time Deposit within the service hours on or before the deposit maturity date as long as the time deposit account can be operated through our Internet Banking Service.     Q7. What are the service hours for the function of renew/uplift time deposit and place maturity instruction? A. The service is available from 9:00a.m. to 6:00p.m., Monday to Friday, and 9:00a.m. to 1:00 p.m. on Saturday (except public holidays). Stop Cheque Payment Q1. Can I place stop payment instruction for my Current Account through your Internet Banking Service? A. Yes, you can place stop payment instruction for Current Account registered as Primary or Sub Account in the Internet Banking Package.     Q2. Is there any service charge involved in the stop payment instruction through Internet Banking Service? A. Yes, a service charge for stop payment is levied on your current account by system automatically.     Q3. What are the service hours for the function of stop cheque payment? A. The service is available up to the cut-off time (Monday to Friday: 7:00p.m.) of business day and 24 hours for Sat, Sun and Public holidays.   Request Cheque Book Q1. Is there any limitation for requesting cheque book? A. Yes, one request per day with maximum of nine cheque books is allowed through the Internet Banking Service.     Q2. How can I receive my ordered cheque book? A. You can choose to have the cheque book delivered to you by registered mail or you can collect it at your designated branch. If you select registered mail, the mailing charges will be debited from your current account by system automatically. Request Account Statement TOP Q1. Can I request a consolidated statement through your Internet Banking Service? A. Yes, you can request a consolidated statement for the current month under Request Account Statement function. The statement will be delivered to you by mail.     Q2. Is there any limitation for requesting account statement? A. Yes, one request is allowed per day and the account statement will be mailed to you on next working day. Cashier's Order TOP Q1. Can I raise an application for Cashier's Order through your Internet Banking Service? A. Yes, you can raise an application for Cashier's Order anytime online and the payment amount and fees will be debited from your payment account immediately.     Q2. Is there any service charge involved in purchase of Cashier's Order through your Internet Banking Service? A. Yes, the handling charge will be debited from your designated payment account automatically.     Q3. What are the service hours for the functions of application of Cashier's Order? A. The service is available for 24 hours. However, the transaction performed after cut-off time (i.e. 7:30p.m. from Monday to Friday and 5:30p.m. on Saturday) will be valued on the next working day.     Q4. How can I receive the issued Cashier's Order? A. You may collect the issued Cashier's Order at your designated branch in person or by registered mail to your correspondence address.     Q5. When do I know the Cashier's Order is ready for designated branch for collection? A. The Cashier's Order will be available for collection one hour after the application. After that, you can visit your designated branch and pick up the Cashier's Order during the office hours. Demand Draft TOP Q1. Can I raise an application for Demand Draft through your Internet Banking Service? A. Yes, you can raise an application for demand draft anytime online and the payment amount and fees will be debited from your account immediately.     Q2. What are the service hours for the functions of application of Demand Draft? A. The service is available for 24 hours. However, the transactions not involving foreign exchange performed after cut-off time (i.e. 7:30p.m. from Monday to Friday and 5:30p.m. on Saturday) will be valued on the next working day.     Q3. Is there any service charge involved in purchase of Demand Draft through your Internet Banking Service? A. Yes, the handling charge will be debited from your designated payment account automatically.     Q4. How can I receive the issued Demand Draft? A. You may collect the issued Demand Draft at your designated branch in person or by registered mail to your correspondence address.     Q5. When do I know the Demand Draft is ready for designated branch for collection? A. The demand draft will be available for collection one hour after the application. After that, you can visit your designated branch and pick up the Demand Draft during the office hour. Application/Cancellation of Standing Instruction TOP Q1 Can I place the 'Standing Instruction' through your Internet Banking Service? A. Yes, you can place the standing instruction through our Internet Banking Service; however, the set-up of standing instruction takes 2 business days before the instructions become effective.     Q2 Is there any service charge involved in placing the 'Standing Instruction' through your Internet Banking Service? A. Yes, a service fee will be debited from your payment account automatically.     Q3. Can I cancel the 'Standing Instruction' through your Internet Banking Service? A. This function is only applicable for Commercial Internet Banking customers. You can place the cancellation instruction via our Commercial Internet Banking Service. Application of ATM Cards TOP Q1 Can I apply for the ATM card through your Internet Banking Service? A. This function is only applicable for Personal Internet Banking customers. You can submit your application of ATM card service via our Internet Banking Service anytime.     Q2 Is there any service charge involved in the application of ATM card service through your Internet Banking Service? A. It is fee for 349 Super Card and Family Club Card. For Easylink Card, an Annual Fee will be debited from the Primary Account automatically.     Q3 How can I collect my ATM Card? A. You can choose to send by mail or collect at designated branch upon application online. e-Statement TOP   e-Statement Application Q1. What is e-Statement service? A: We provide e-Statement service as one of the ways to protect our environment. After registration, our bank will provide the electronic copy of statement via "Personal Internet Banking" customer can directly view or download the e-Statement, and will no longer receive the statement in printed copy. Customers can enjoy a more environmental friendly and convenient way of financial management.     Q2. What types of statements can be viewed online? A. You can receive e-Statement for bank consolidated statement, which include integrated accounts, current and saving accounts, etc. Investment Consolidated Account can also apply the service. Personal Account and Joint Account Holders can also apply for this service.     Q3. If I apply the e-Statement service, will all my accounts statement change to e-Statement? A. Yes. All the accounts under the same consolidated accounts will change to e-Statement. Any new accounts opened in the future will also be included in the e-Statement.     Q4. How to apply e-Statement service? A: You can logon to our Personal Internet Banking or visit any of our branches to apply e-Statement service.     Q5. What is the service hour for applying e-Statement service via Personal Internet Banking? A: Service hour for online application: Bank Account: Mon - Fri - 9:00am - 8:00pm; Sat - 9:00am - 4:00pm. Investment Account: 24 Hours.     Q6. Is there any charge to applying and using e-Statement service? A: No. This service is free of charge.     Q7. Will I still receive printed copy of the statement? A: After complete the registration of e-Statement service, you will only receive electronic copy of the statement, we will not send any printed copy of statement to you.     Q8. When will I receive e-Statement after registration? A: After complete the registration of e-Statement service, you will receive the statement via Personal Internet Banking from next statement generation date. Please read the generation date printed in the account statement.     Q9. How long will the e-Statement be kept online? A: For consolidated bank statement, consolidated investment monthly statement and Credit Card statement, system will keep a maximum of the latest 12 months of the e-Statements, while will keep a maximum of 1 month for consolidated investment daily statement, and will be automatically deleted afterward. You are advised to print out or download your e-Statements if you wish to keep records.      Read e-Statement Q10. What is the format of my e-Statements? A: e-Statements are in Portable Data Format (PDF), your computer should have installed with an Acrobat Reader (version 7.0 or above) to view the statements. If your computer have not installed with Acrobat Reader, You can download a free version of Acrobat Reader from the Adobe website.     Q11. If I cannot read the Chinese characters inside the e-Statement, what should I do? A: If you cannot view Chinese fonts in the PDF file, please download and install the free Chinese Traditional Font Pack files from Adobe website.     Q12. Can I request the Bank for a hardcopy of the account statement after retention period? A: Yes, you can visit any our branches to request for a copy of statement, but you have to pay the service charge.     e-Statement Email Alert Q13. What is e-Statement Email Alert? Is there any charge for the Email Alert service? A: When you apply for the e-Statement service, we will an additional service to provide e-Statement Email Alert. When you have new e-Statement, we will send an alert email to your registered email address, that you can check and download the new e-statement. This service is free of charge.     Q14. I did not register any email address, can I apply the e-Statement service? A: No. If you have not registered email address, please visit any of our branches to apply or update via "Change Email Address" function under "e-Statement".     Q15. How to setup whether receiving the e-Statement Email Alert or not? A: You can logon to Internet Banking, go to "Edit e-Statement Setting" under "e-Statement", then you can setup whether receive the e-Statement Email Alert. However, if you would like to update the email address record, please visit any of our branches to apply.      Cancel e-Statement Q16. Can I cancel e-Statement service? A: Yes. You can cancel e-Statement service via Internet Banking or visit any of our branches in person. After cancel the e-Statement service, our bank will resume delivery of the printed copy of the consolidated statement to your registered mail address.     Q17. How does system process multiple Apply/cancel instructions from the same account on the same day? A: If you have made several Apply/Cancel instructions (Apply or cancel the service) on the same day, we will proceed according to the last instruction we received. Your instruction will be processed from next statement generation date. Online Account Opening TOP Q1. What is "Online Account Opening"? A: You can open the following accounts via Internet Banking. The new account will be effective immediately or on next business day, depends on whether the application was submitted within service hours. - Consolidated Investment Account - Securities (Cash) - Consolidated Investment Account - Investment Funds, Bonds and other Structured Product - Time Deposit Account - HKD Statement Savings Account - Renminbi Statement Savings Account (Only applicable to Hong Kong Identity Card Holders) - Multi-Currency Statement Savings Account - HKD Current - USD Current - CNY Current (Only applicable to Hong Kong Identity Card Holders)     Q2. Is "Online Account Opening" applicable to any customers? A. Online Account Opening is only applicable to personal customers with single name account. For Joint account holders, please visit any of our branches to apply. Besides, Renminbi Statement Savings Account and Renminbi Current Account can only offer to Hong King Identity Card holders to apply.     Q3. What are the service hours for "Online Account Opening"? A. You can apply the accounts via Internet Banking anytime, your account will be immediately effective if you apply within service hours (Except "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product". On the other hand, Application after service hour will be processed in next business day, please check application result in "Message" box under "My Portfolio" menu. Service hour for Online Account Opening 9:00am - 6:00 p.m. from Monday to Friday and 1:00 p.m. on Saturday. "Consolidated Investment Account" Investment Funds, Bonds and other Structured Product" will be effective in Internet Banking one business day after successfully opened.     Q4. Which Investment products are under Investment Account? A: You can trade Investment Funds, Bond and Structured Product with the Investment Account. However, Internet Banking only provides Investment Funds service at the moment.     Q5. What procedures do I need to follow after opening the account online? A: None. But please be aware that the account signature will follow the existing account which you selected as reference account.     Q6. Will the new account(s) be linked into my existing ATM Card automatically? A: The new account(s) will not be linked to your ATM Card automatically. If you would like to link the new account(s) into your ATM card (we only allow demand deposit account which is not multi-currency), you can visit any of our branches to apply the service. Alternatively, if you are using two-factor authentication in Internet banking, you can logon and access the menu "Others > Banking Services > ATM Card Application" to apply for a new ATM card.     Q7. Can I apply more than one account for the same account type? A: No.     Q8. When I apply for a new account online, can I change my personal details such as corresponding address and telephone number? A: Currently, our Bank does not allow changing personal details via Internet Banking. If you would like to change your personal details, please visit any of our branches to apply.     Q9. Must I activate Phone Banking Services when applying "Consolidated Investment Account - Securities (Cash)" via Internet Banking? A: Yes. The purpose is to provide another service channel to ensure high quality service. If you haven't applied phone banking services: You will be required to activate phone banking services at the same time, and setup a new 8-digit phone banking service pin. After account being successfully applied, you can use phone banking services for enquiry and transactions for the securities and other accounts. If you have already applied Phone banking services: The new "Consolidated Investment Account - Securities (Cash)" can also be accessed via phone banking services, the pin will remain the same.     Q10. Must I activate Phone Banking Services when applying Investment account via Internet Banking? A: No. Our Phone Banking Services do not provide Investment Funds Services at the moment.     Q11. Must I activate Phone Banking Services when applying Statement Savings accounts and Time Deposit Accounts via Internet Banking? A: If you have already applied Phone Banking Services, the new opened Statement Savings and Time Deposit Accounts could be operated in Phone banking after 2-3 business days¡CIf you haven't applied Phone Banking services, please visit any of our branches to apply the service. Upgrade A/C segment TOP Q1. What is "Upgrade Account Segment"? A: You can upgrade your existing account segment to upper account segment, the upgrade will not affect your account number and all existing banking instructions (e.g. Autopay service and Direct Debit Authorisation) set up under your original account will remain unchanged.     Q2. Does all accounts suitable for "Upgrade Account Segment"? A. No. It is only suitable for "349 Super Account". If your account is a joint name account, please approach any of our branches to upgrade the account segment.     Q3. Which level of the account segment can be upgraded? A. The account segment can be upgraded to "e-Age Banking Account". The online Account Upgrade application applies to "349 Super Account" customers only. For other types of deposit accounts and integrated account holders, please open "e-Age Banking" account at any of our branches.     Q4. After upgrade to "e-Age Banking Account", is it necessary to replace the ATM card? A: Yes.     Q5. How do I replace the ATM card? A: For "e-Age Banking" ATM card replacement, please visit any of our branches for arrangement. Once you receive "e-Age Banking" ATM card, you have to activate your "e-Age Banking" ATM card at ATM machine by changing the PIN and destroy your existing "349 Super Account" ATM card.     Q6. Does the account segment upgrading to "e-Age banking Account" effect immediately? A: The processing time for the account upgrading will take around two working days. ICBC(Asia) Messaging Service TOP Q1. What is "ICBC(Asia) Messaging" Service? A: "ICBC(Asia) Messaging" Service is an information alert service that allows you to grasp your account's status more efficiently and more comprehensively.. You can flexibly set up SMS and Email Alerts for your account information. The SMS and Email will be sent immediately when there is movement in your account, including inward/outward payment, cheque deposit/return, due repayment and changes in loan interest rates.     Q2. What types of alerts I can choose? A: You can choose from a wide range of alert types listed below: Type Name Alert Type Account Info Above Target Balance Notification When account balance exceeds the pre-set amount Account Overdrawn Notification When account is below zero Below Target Balance Notification When account balance falls below the pre-set amount Cheque Deposit Clear/Return Notification When a deposited cheque has been cleared or returned Inward Payment Notification Pre-set amount or any amount credited to your account (Including Remittance/ATM/Internet Banking transaction etc) Outward Payment Notification Pre-set amount or any amount debited from your account (Including Remittance/ATM/Internet Banking /Autopay/Bill Payment transaction etc) Repayment Due Date Reminder The most recent repayment due date of the following account: - Personal Loan - Mortgage Loan - Credit Card Time Deposit Maturity Reminder When time deposits mature Important Notice Update address and Telephone Notification When your correspondence address and/or telephone number has been updated   Wrong Password Notification When input incorrect password for 3 times in ATM channel   Application for Service TOP Q3. Who can apply for the Service? A: Any Personal customer can apply for this service by filling up your application details or the application form through our Personal Internet Banking or branch network     Q4. How do I setup the Service? A: To setup the Service, please logon to the Personal Internet Banking Services: Select "ICBC(Asia) Messaging" -->"Service Introduction " Select alert details (including settlement account and language) Input mobile phone number and / or Email address for receiving alert Select suitable alert items and setup related details (e.g. Account, Account Alias, Alert Method etc.) Read and Accept the Service's Terms & Conditions     Q5. When will the Service become effective after application? A: The Service will be effective immediately.     Q6. What is the "Account Alias" for the Service? A. To protect your account information , you can setup the "Account Alias" to be shown in the SMS or Email Alert to replace your account number, "Account Alias" can be 8 alphanumeric characters at maximum.     Q7. Do I need to provide both Email address and mobile phone number to apply for the Service? A. Yes. To protect your right and the security of your personal information, the email address and Mobile phone number you provide for "ICBC(Asia) Messaging" service will not affect your record in the Bank.     Q8. When I setup the alert items, why does the pull down menu only show some but not all of my accounts? A. Some of the "ICBC(Asia) Messaging" items only apply to particular account types. If you do not have the related account, you cannot setup those alert types.     Q9. If my mobile phone service provider is not based in Hong Kong, can I register for the Service? A: Yes. But please note that the service charge for overseas SMS is different, please read the "Service Charges" section for details. Besides, to receive the SMS Alerts using an overseas mobile phone number, you should also provide the area code when you apply for the service, for example you should provide a Mainland China mobile phone number with thearea code of 86,   Please make sure you provide a valid mobile phone number and area code, otherwise the Bank will still charge you on the SMS which sent to invalid mobile phone number .   Alternatively, you can select to receive the Email Alerts only.     Service Charges TOP Q10. What are the charges of the Service? A: The Bank will impose different monthly charging scheme by customer segmenets as follow:   Elite Club/Private Banking Customers e-Age Banking Customers Other Customers SMS - 50 free SMS per month with charge at SMS exceeding the quota - Local SMS $0.8 each - Overseas SMS $1.5 each -30 free SMS per month with charge at SMS exceeding the quota -Local SMS $0.8 each -Overseas SMS $1.5 each -15 free SMS per month with charge at SMS exceeding the quota -Local SMS $1 each -Overseas SMS $1.5 each Email Free-of-charge (System will calculate the monthly charge based on the customer segment at the end of the month)     Q11. How does the Bank calculate the service charge? A: We offer different free SMS quota according to customer segment (Email Alerts will be free of charge). The Bank will count the SMS Alerts sent from 1st calendar day of the month, and customer will not pay any fee if the number of SMS Alerts sent within the month do not exceed the free quota.   Please be aware that the system will calculate the charges based on the customer segment you belong to at the month end.   However, if the number of SMS Alert sent within the month exceeds the free quota, customer will need to pay the fee of every extra SMS Alert we sent based on the service charge table..   Example: If you are a general customer, you will enjoy 15 free SMS Alerts per month, HK$1 for any extra local SMS Alert and HK$1.5 for any extra overseas SMS Alert will be charged. If you have received 15 SMS Alerts within a month, you do not have to pay any charge. If you have received 20 SMS Alerts within a month, you will be charged for the 5 extra SMS Alerts which are equal to HK$5 (5 SMS Alerts x $1 (local) = HK $5) if you are using local mobile phone number or you will be charged for HK$7.5 (5 SMS Alerts x HK $1.5 (overseas) = HK 7.5) if you are using overseas mobile phone number.   If you do not suspend this service when you are outside Hong Kong, the alerts will be sent to you continually, and all related fees, charges and expenses will be borne by you (including those of your service provider).       Q12. When will the "ICBC(Asia) Messaging" service charge be debited from my settlement account? A: We will debit the service charge on the 5th day of each month. If it is a public holiday, the charge will be debited on the next working day.     Q13. If I do not register for the Service on the first day of the month, when will I start to pay the service charge? A: No matter which day you start using the Service, we will count the total number of SMS Alerts sent out within the month at each month-end to calculate the extra charges..     Q14. If I send an lert via both Email and SMS, will I be charged separately for each of the alerts? A Email Alerts will not incur any charge, only the number of SMS Alerts which exceed the free quota will be charged.     Q15. Will I be charged for any SMS Alerts that I did not actually receive? A: Yes. We will count all chargeable SMS Alerts sent from us to calculate the service fee. Therefore, please ensure that your mobile phone number and Email address are correct and keep updating us so that you can successfully receive the alerts.     Q16. If I suspend or terminate the Services before month-end, do I still have to pay for the Service charge? A: We will count the total number of SMS Alerts sent out within the month at each month-end to calculate for any extra charges. On the other hand, Email Alert does not incur any service charge.     Q17. If my account does not have sufficient amount to pay the service charge of "ICBC(Asia) Messaging" Services, will I still receive the alerts? A: Yes. However, if customer fails to pay for the service charge, we may suspend or terminate the use of this service without prior notice.   Alert Delivery TOP Q18. When will I receive "ICBC(Asia) Messaging"? A: Each type of alert will be sent at the following time frame: Type Name Delivery Time Account Info Above Target Balance Notification Real time under normal condition, however, if the alert is triggered by some transaction type (e.g. Autopay), it will only be sent in the morning on next working day Account Overdrawn Notification Real time under normal condition, however, if the alert is triggered by some transaction type (e.g. Autopay), it will only be sent in the morning on next working day Below Target Balance Notification Real time under normal condition, however, if the alert is triggered by some transaction type (e.g. Autopay), it will only be sent in the morning on next working day Cheque Deposit/Return Notification After the cheque has been cleared or returned Inward Payment Notification Real time under normal condition, however, if the alert is triggered by some transaction type (e.g. Autopay), it will only be sent in the morning on next working day Outward Payment Notification Real time under normal condition, however, if the alert is triggered by some transaction type (e.g. Autopay), it will only be sent in the morning on next working day Repayment Due Date Reminder 3 working days (except Saturday) before the repayment due date. Time Deposit Maturity Reminder 3 working days (except Saturday) before the maturity date of the time deposit. Important Notice Update address and Telephone Notification After the data have been updated   Wrong Password Notification When input incorrect password for 3 times in ATM channel     Q19. In what circumstances I will not receive the alerts? A: You will not receive Email or SMS Alerts when: 1. Your Email address is invalid or your Email box is full 2. Your mobile phone number is invalid (you must include area code in the overseas mobile phone number) 3. Settlement account for the service charge is closed or has insufficient fund for the payment (The Bank may suspend or terminate the use of this service without prior notice.) 4. Suspend or terminate the Service at your request.       Modify Service settings TOP Q20. How to change the settlement account? A: Please logon to the Personal Internet Banking Services and select "ICBC(Asia) Messaging" --> "Service Maintainance". You may select another HKD account from the pull down list of "Service Charge Settlement Ac". The change will be effective immediately.     Q21. How to change the Email address or mobile phone number for receiving the alerts? A: To protect your right and the security of your personal information, please visit any of our branches to change the related Email address or mobile phone number.     Q22. How can I amend or delete the pre-set alert items? A. You can logon to the Personal Internet Banking Services and select "ICBC(Asia) Messaging Service" --> "Service Maintainance" to review the pre-set alert items. Then, you may click "Amend" or "Delete" to make changes accordingly.       Suspend and Terminate Service TOP Q23. How do I suspend or terminate my "ICBC(Asia) Messaging" Service? A: Simply logon to the Personal Internet Banking Services and select "ICBC(Asia) Messaging Service" --> "Service Maintainance", you can select "Suspend" or "Delete". The change will be effective immediately.       Q24. How can I reactivate after I suspended my "ICBC(Asia) Messaging" Service? A: You can logon to the Personal Internet Banking Services and select "ICBC(Asia) Messaging Service" --> "Service Maintainance". Then, you can choose to "Re-activate" the alert service. The instruction will be effective immediately.     Q25. If I want to reactive the Services after termination, what should I do? A: You must re-apply the Service by logon to the Personal Internet Banking Services and filling in all the details again.     Q26. Can I setup different suspension periods for different alert channels? A: No.   Payment TOP Q1. What merchants can I pay for through your Internet Banking Service? A. You can pay to any of the merchants listed on JET PAYMENT. Apart from public utilities, you can also find Government departments like Rates, telecommunication companies, insurance companies, and charity such as Community Chest of HK on the list.     Q2. Can I settle my credit card bills through your Internet Banking Service? A. Yes, you can pay to any of the credit card merchants listed on JET PAYMENT; however, registration for designated Credit Card Account at branch is required.     Q3. What are the transaction limit in your Internet Banking Service? A. The daily maximum transaction limit for general payment (including bill payment, credit card payment and donation) and tax payment is HKD50,000 and HKD200,000 respectively per package. However, you can set the daily transfer limit for general and tax payment below HKD50,000 and HKD200,000 respectively. .     Q4. Do I need to pre-register my bill account with your Bank before paying bills online? A. Pre-registration of bill payments with our Bank is not necessary except for credit card and finance payments.     Q5. What are the service hours for the function of Bill Payment? A. The service is available for 24 hours. However, transactions performed after cut-off time (i.e. 7:30p.m. from Monday to Friday) will be valued on the next working day.     Q6. Can I save my bill details as template for future use? A. Yes, you can save your bill details as template to facilitate future payment.     Q7. Can I preset a scheduled payment? A. Yes, you can preset your scheduled payment 30 calendar days ahead of time and the effective date must be a bank business date.     Q8. Can I delete a scheduled payment? A. Yes, you can delete your scheduled payment anytime online before the effective date.     Q9. Can I make any amendments to a scheduled payment? A. This is not available at the moment. You can delete your scheduled payment anytime online before the effective date.     Q10. Do I need to have sufficient fund in my account when I make a scheduled payment? A. Yes, it is not necessary to have sufficient fund in your account when you make a scheduled instruction. Moreover, your instruction will be rejected if there is insufficient fund in your account on the effective date of the payment.     Q11. How do I know the result of my scheduled payment? A. You can check the result of your scheduled payment under the Message Box Section on the effective date after 10:00a.m..   Investment Securities TOP Q1. How can I apply for the Internet Securities Services? A. You may apply new "Consolidated Investment Account - Securities (Cash)" via Internet Banking (for Personal Customers only) or visit any of our branches to apply for a "Consolidated Investment Account - Securities (Cash)" and complete the Internet Securities Services application. Before you open a "Consolidated Investment Account - Securities (Cash)" with us, it is a prerequisite for you to maintain a HKD current or statement account, which will be used for the trade settlements arising from securities trading.     Q2. If I already have a "Consolidated Investment Account - Securities (Cash)" with ICBC(Asia), can I use the Internet Securities Services immediately? A. Persona Customers: Yes Company Customers: No, you need to complete and return the Internet Securities Services application form to the Bank before you can enjoy the services.     Q3. Do I need to pay for using the Internet Securities Services? A. No service fee is charged for the Internet Securities Services which allow you to trade anytime anywhere through Internet Securities Services. For real time stock quote, you will get a fixed number of FREE realtime quote at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free realtime quotes. Usage in excess of your free quote entitlement for the month will be charged at HKD0.10 per quote for the relevant month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE realtime quote will be forfeited automatically upon expiry of the month.     Q4. What are the service hours of Internet Securities Services? A. Our Internet Securities Services offered through internet is available during the following hours: Service Service Hours Enquiry Services 24 hours per day Securities Trading 24 hours per day • At-Auction Limit Order Anytime (except 9:15 a.m to 4:00 p.m. on trading dates); Input New Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day. • Enhanced Limit Order Anytime Input New Order during trading period will be effective on the same trading date; after trading session, you can input order for next trading day. • Odd-Lot Sell Input same day order from 8:00am - 4:00pm on trading dates. Note: If the HKEx's trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons, the order(s) you have placed may not be successfully accepted.   Q5. What are the trading sessions and the trading mechanism? A. From 9:00 a.m. to 9:30 a.m. - Pre-opening Session   - Only At-auction Limit Order will be placed to the market for matching. - If you have placed your At-auction Limit Order, you are advised to check your order between 9:00 a.m. to 9:15 a.m. whether it has been successfully accepted and, if not, you may re-input your order before 9:15 a.m. If your At-auction Limit Order price deviates twice or more from the market price, or is half or less of that price, your order might be rejected by HKEX. - At-auction Limit Order(s) cannot be modified or cancelled after 9:15 a.m. - After order matching in the Pre-opening Session, unfilled At-auction Limit Order will be converted to Limit Order and carried forward into the Continuous Trading Session after 9:30 a.m. on the same day.   From 9:30a.m. to 04:00p.m. - Continuous Trading Session   "Enhanced Limit Order (ELO)" - Enhanced Limit Order will be placed to market for execution. - Enhanced Limit Order will allow matching of up to ten price queues at a time. Unfilled quantity after matching will be stored in the system as a normal limit order at the input order price. - Enhanced Limit Order may not be successfully accepted by "HKEX" if the order price is better than the tenth price queue. Q6. What channels available to place Securities order? A. Customers can place the order via Internet Banking (for Personal Customers only) with Internet Securities Services, Automated Phone Securities Services (218 95588) and designated branches.         Q7. How does the Bank handle the orders when typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued ?   If typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued, the Bank will handle the orders as described below : a. Before pre-opening session starts When pre-opening session starts, the auction limit orders placed via the Bank will be sent to HKEX as usual. Other orders will be handled in Continuous trading session and sent out to HKEX' once they fall within the conditions as defined by the Bank from time to time. b. When trading in the pre-opening session is suspended but resumes either in the morning session or afternoon session If the HKEx's trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons, At-Auction Limit orders you have placed may not be successfully accepted. When the trading operation is resumed in the morning / afternoon session, the Bank will monitor the orders, orders will be transmitted to HKEx's AMS/3 once they fall within the conditions as defined by the Bank from time to time. The Bank reserves the right to amend the above operation from time to time.     Q.8. What are the features of Internet Securities Services? A. Internet Securities Services provide the following key functions: Securities trading in the Hong Kong Stock Exchange via AMS/3 system. Comprehensive portfolio overview of both settlement account and securities account. Realtime/Delayed stock quote. Comprehensive market information including market news, trading tactics, intraday chart and market rankings. Stock watch to alert you when target price is reached. User friendly tools including trading transaction cost calculator.     Q9. What kind of securities can be trading through Internet Securities Services? A. At present, all stocks and warrants listed on the Stock Exchange of Hong Kong can be traded through the Internet Securities Services. "At-auction Limit Order" and "Enhanced Limit Order" can be applicable on our Internet Securities Services.     Q10. What is a "At-auction Limit Order" and "Enhanced Limit Order"? A. "At-auction Limit Order" is a limit order with a specified price which should not deviate twice or more from the market price, or is half or less of that price. After order matching in the pre-opening session, unfilled at-auction limit orders will be converted to limit orders at the input price and carried forward to the continuous trading session.   "Enhanced Limit Order" is similar to a limit order. An Investor should give clear instructions about the highest price or lowest price he is willing to pay or dispose. It will allow matching of up to five price queues at the same time. The input order price of an Enhanced Limit Order can be matched up to four spreads better than the best price on the other side of the market. Any unfilled quantity of an Enhanced Limit Order after matching will be converted into a Limit Order at the input order price. The Bank accepts order price within 200 spreads of the market price. The Enhanced Limit Order will be passed to the HKEX for processing once it falls within the 15 spread range of the market prices. Any subsequent amended order price that deviate more than 24 spreads of the market price might be rejected by HKEX.     Q11. What is the difference for placing order via Internet banking and other channels? A.   Internet Securities Services Designated Branch and Manned Phone Investment Services Securities Trading Hotline Enhanced Limit Order System accepts order price within 200 spreads of the market price. The Enhanced Limit Order will be passed to the HKEX for processing once it falls within the 15 spread range of the market prices. System will not monitor the order price. If the order price you place deviates more than 24 spreads of the market price, your order might be rejected System will not monitor the order price. If the order price you input deviates more than 24 spreads of the market price, your order might be rejected Order Input Period Can Input anytime (Except 9:15 a.m to 4:00 p.m. on trading dates for ALO) Input New Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.   Can place order from 8:00am to 4:00pm on trading dates Can place order from 8:00am to 4:00pm on trading dates Sell Odd-Lot Yes Yes No Note: At-Auction Limit order has the same processing logics for all channels. If your At-auction Limit Order price deviates twice or more from the market price, or is half or less of that price, your order might be rejected by HKEX. Every order cannot involve more than 3,000 lot of shares.     Q12. What is HKEX's spread table? A. Prices of Securities (HKD) Minimum Spread (HKD) 0.01 - 0.25 0.001 0.25 - 0.5 0.005 0.5 - 10 0.01 10 - 20 0.02 20 - 100 0.05 100 - 200 0.10 200 - 500 0.20 500 - 1,000 0.50 1,000 - 2,000 1.00 2,000 - 5,000 2.00 5,000 - 9,995 5.00     Q13. How does the system process order for next trading day? A. For order placed after trading session, please note: 1.       System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed. 2.       Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again. 3.       Order can only be cancelled, but not modified, after placed. 4.       You can amend the order after 8:00 am on the trading day. Alternatively, you can cancel and then re-submit the order.     Q14. How to place an order? A. To place an order, you simply go to the Place an Order page, select Buy/Sell order type, enter your order at specific price, quantity, and stock code and then send your instruction. You are also required to input your Internet Securities Service PIN or e-Cert password to confirm each order.     Q15. Do I have to input the order quantity in the board lot size? A. Yes. Odd lot size orders will not be accepted.     Q16. How will the odd lots be sold? A The odd-lot order will be executed manually, which may take longer processing time. The odd lot orders will be traded at the prevailing odd lot market prices. The odd lot market price will usually be lower than the prevailing board lot market price and the transaction amount may not be able to cover the transaction fee. The Bank reserves the right to reject such order. If you sell a stock more than once a day, your transactions would be combined into one sell order (including odd lot shares), so as to save more for you.     Q17. Can I amend odd-lot order? A. Odd-lot sell order can only be cancelled, but not modified, after placed.     Q18. How long does the order last? A. Please read the expiry date when you input an order. In normal case, input new Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.     Q19. How long will previous orders be kept on my order status?   The order status will show orders placed in the past 10 days.     Q20. How can I know my order has been received or executed by the Bank? A. After you place an order via Internet Securities Services channel, an order acknowledgement will be promptly issued with a unique reference number, which ensures that the order has been received by the Bank. After the order has been executed, subsequent e-mail or mobile short message will also be delivered to you indicating the current order status. You may also check the real-time status of specific orders using the Order Status option of Internet Securities Services. Please note that duplicated orders will be treated and processed separately.     Q21. How can I amend or cancel my order? A. You may amend or cancel any outstanding order by going to the Amend an Order or Cancel an Order page. Our system will then pass your instruction to Stock Exchange of Hong Kong upon receiving your request. Please note: Orders for next trading day only be cancelled, but not modified, after placed. You may amend the order after 8:00am on the trading date. Alternatively, you can cancel and then re-submit the order.     Q22. How will I be notified of the execution results? A. No personal phone calls will be given for orders placed via Internet Securities Services, you can read "Order Status" for the result. If you have selected to receive notification by email and/or SMS, you will receive the notification when the order is "Fully Executed" or "Rejected". "Partially Executed" Order status will also be sent out after trading period     Q23. How do I know the status of my trade order? A. Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:   Status Message Description Waiting Placed The order has not been executed and is waiting for the response of the stock exchange. Placed The order has been placed at the market and is queued for execution. Fully Executed All quantities of the order have been successfully traded in the market. Partially Executed Only part of the order quantities have been successfully traded in the market. Waiting Modified The modification instruction has not been executed and is waiting for the response of the Stock Exchange. Modified The order has been successfully modified according to your specification. Waiting Cancelled The cancellation instruction has not been executed and is waiting for the response of the Stock Exchange. Cancelled The order has been successfully cancelled. Partial Cancelled Only part of the order quantities have been successfully cancelled. Placement Rejected Sorry, your Buy/Sell order is rejected with the following details: Cancellation Rejected Sorry, your cancellation instruction is rejected with the following details: Modification Rejected Sorry, your modification instruction is rejected with following details: Waiting Process Order is waiting for processing. Please make sure the settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed. Price Monitoring Order is monitored by system. It will be passed to the HKEX for processing once it falls within the 15 spread range of the market price.     Q24. If I have placed an order through Internet Securities Services, can I amend or cancel that order via Securities Trading hotline? A. For security reasons, please use the original channel where you have placed your order to amend or cancel the order. In case of system failure, you can also amend or cancel that order via the Enquiry Hotline.     Q25. Whether the execution of transaction will affect my account portfolio? A. Yes, once an order is executed, your account position will be updated immediately.     Q26. Can I use the pending stock or fund from recent buy/sell order before its settlement? A. Yes.     Q27. How can I check my portfolio balance and securities on hand? A. You may go to Account Portfolio page to check your account balance, settlement details and securities held by you at a quick glance.     Q28. How can I review my recent transaction history? A. You may go to Trade Summary screen and check the trade transactions performed within the last thirty trading days (excluding the current trading day).     Q29. Can I trace the records of order amendment or cancellation? A. Yes, you may click on the Change Order Summary button to view the orders which have been amended or cancelled by you.     Q30. How can I contact the Bank for assistance on Internet Securities Services? A. You may call our 24-hour hotline at (852) 218 95588, our Customer Service Officers will assist you regarding Internet Securities Services queries. Should you encounter any difficulty in placing orders via the internet channels, you may dial our Securities Trading Hotline at (852) 3471 8688 to perform trades directly through our agents.     Q31. How can I check stock prices or index? A. You can check the realtime or one-hour delayed stock quote in the quick quote bar on the bottom of the webpages. You may also click the button of "Realtime Quote" on the Buy/Sell page or Market Information icon located at the left for the latest market news, stock quotes and index. The service is provided by QuotePower International Limited.     Q32. What is Quote Meter? A. The Quote Meter shows your monthly realtime quote entitlement and usage. You will get a fixed number of FREE realtime quote at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free realtime quotes. Realtime quotes used in excess of your free entitlement for the month will be charged at HKD0.10 per quote for that month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE realtime quote will be forfeited automatically upon expiry of the month.     Q33. Can the Bank alert me when a specific stock reaches my target price? A. Yes, we offer a Stock Watch Alert function to remind customers when the interested stock reaches target price criteria, by sending an e-mail or mobile short message to customer (Detail of charges please refer to the information under Section 'Investment > Securities > Market Information > Quote Meter'). For the selection of having the stock alert by email and or SMS, please set up the instruction under Section 'Investment > e-Tools > Notification Instruction'.     Q34. How to use Stock & Index Watch Alert? A. First, select the stock of your choice by entering the correct securities code into the Stock Code box. Then, choose the alert criteria such as target price are equal to or greater than $100. Next, specify the date when the above alert criteria remain valid. You may add any further Alert criteria anytime (max. 5 alerts), or delete any Alert item listed at the top which is still valid or already outdated.     Q35. How to calculate transaction costs of various orders? A. You may have a brief idea of the transaction cost by going to Cost Calculator page, then indicate Buy/Sell action, order price and quantity, the system will instantly provide you with the total cost in different cost components for your reference.     Q36. What is Market Ranking? A. In addition to specific stock price enquiry, we offer the following Market Ranking function for you to keep track of the market trend and fluctuation: Top 10 Market Gainers: The 10 securities with the largest percentage increase in price will be listed. Top 10 Market Losers: The 10 securities with the largest percentage decrease in price will be shown. Top 10 Turnover: The 10 securities with the greatest turnover in absolute terms will be ranked in list. Top 10 Volume: The 10 securities with the greatest volume in absolute terms will be ranked in list.     Q37. What is the Streaming Quote? A. Our bank offers stock quote service based on clicks. This means system will retrieve and display real-time stock price based on every click by customers. However, stock quote, profit/loss and buy/sell order will not be updated automatically. Besides, our Streaming Quote Service includes company profiles stock market information, Hang Seng Index, financial news and commentaries. Our streaming quote service is provided by QPI. For details please visit any of our branches.     Q38. What is the L/P Simulator? A. To facilitate customers in evaluating their own investment portfolio, our Bank provides a portfolio simulator, which allows customers to simulate their investment outcomes. Moreover, we provide five simulation modules to suit customers' different needs and choice, customers can conveniently setup portfolio and view all the details afterwards.     Q39. What is the Securities Monthly Savings Plan? A. Securities Monthly Savings Plan targets at providing convenient and preferential investment choice to suit the needs of customers who would like to invest regularly and continuously. Every month customers invest for a pre-fixed amount on local stocks (the minimum investment amount is HKD1,000 for every plan), and every plan can include at most 3 stocks, which is suitable for long-term savings and investment. Applying Securities Monthly Savings Plan via Internet Banking, you can enjoy special offer on the handling fee. The handling fee for each plan setup will be 0.25% of the Transaction Amount (Min.HKD50 inclusive of stamp duty, transaction levy and settlement fee).   RMB Denominated Stock Services TOP Q1. How to trade RMB denominated stock via Internet Banking services? A. Please be aware that you must fulfill the following criteria before trading RMB denominated stock via Internet Banking services.   You have applied Consolidated Investment account (Securities) with Internet banking services. You have applied RMB account and registered it as the Securities settlement account (Only available to Hong Kong Identity Card holders). Personal Customers: You can apply via "Investment-->Securities-->Register CNY settlement account" on Internet Banking. If you do not have any RMB account, please apply a new account via Internet Banking or branches. Joint Name or Company Customers: Please visit any branch to apply RMB account and register the RMB settlement account. Please ensure your RMB account has sufficient balance. For personal customers, the maximum total daily exchange limit is CNY20,000 per customer. Q2. Can I apply consolidated investment account (securities) and/or RMB account via Internet Banking? A: Yes, kindly note that application for account opening via Internet Banking is only available to sole name personal account holder. For joint name and company customers, they have to visit any of our branches to make application. Further, please note that RMB savings and current accounts are only available to Hong Kong Identity Card holders. Q3. Can I exchange from other currency to RMB via Internet Banking? Any limit for transaction amount and service hour? A: You can go to "Deposit-->Funds Transfer and Currency Trading" to exchange the currency or setup post-dated transaction. For personal customers, the maximum total daily exchange limit is CNY20,000 per customer.   We accept instruction for currency trading for 24 hours. If you place the instruction from Monday 8:00 a.m. to Saturday 1:00 p.m. (except Dec 25 and Jan 1), the Bank will process your instruction immediately. If you place the instruction beyond the above time period, the instruction could only be executed on next business day. Q4. Can I select HKD account for trading RMB denominated stock? Or select RMB account for trading HKD denominated stock? A: No. The securities and settlement account must have the same currency denomination, please ensure your relevant account has sufficient balance. Moreover, the account balance, pending settlement amount and investable amount for the HKD and RMB settlement accounts are calculated separately. Q5. Does Internet Banking provide IPO subscription service for RMB denominated securities? A: We do not offer IPO subscription for RMB denominated securities via Internet Banking at the moment. Please visit any of our branches to apply. Q6 Is there any difference between trading securities in HKD and RMB via Internet Banking? A: The trading hours and service functionality are basically the same between securities in HKD and RMB. However, RMB denominated securities transaction will be settled in RMB (including but not limited to, subscription/share price, brokerage commission, stamp duty, Securities and Future Commission ("SFC") levy, SEHK trading fee, and other fees and charges). For any fees and charges that involve exchange of RMB against HKD, it will be calculated based on the exchange rate published by the Stock Exchange of Hong Kong Limited ("SEHK") on the same trading day.   Read the service charge Q7. How to calculate stamp duty for non-HKD listed products? A: The stamp duty rate is 0.1% of the transaction amount for securities. For stamp duty purposes, if the transaction amount is in a currency other than HKD, it should be converted into HKD by using the exchange rate determined by the HKEx. For example, Purchase of 10,000 XYZ shares @RMB 12.52 on T day Exchange rate: 1.176 for T day Step 1: Transaction Amount in HK$ equivalent: 10,000 x RMB12.52 x 1.176 = HK$147,235.20 Step 2: Stamp duty in HK$: HK$147,235.20 x 0.1% = HK$148 (round up to the nearest $) The exchange rates for each trading day are made available on the HKEx website by 11:00 am or earlier on that day. You may check the exchange rates at: http://www.hkex.com.hk/eng/market/sec_tradinfo/stampfx/2011stampfx.htm Q8. What are the risks for trading RMB denominated securities ? A: Investment involves risk. The prices of the securities may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. Investors should carefully consider all of the information in the offering documents including the risks and uncertainties prior to making an investment in the RMB denominated securities. RMB is not freely convertible. Conversion between RMB and foreign currencies (including Hong Kong dollar) is subject to PRC regulatory restrictions which may affect the liquidity of the RMB denominated securities. As RMB denominated securities are new types of product, there may not be regular trading or active market. Therefore you may not be able to sell your investment on a timely basis, or you may have to sell the product at a deep discount to its value. Exchange rate risk - the Hong Kong dollar value of your investment will go down if the RMB depreciates against the Hong Kong dollar. Q9. Does the bank provide margin service for trading RMB denominated securities? A: No.   Investment Funds TOP Q1. Besides online enquiry on Funds information, what can I do via Internet Banking? A. Our Personal Internet Banking not only allows you to enquire about the funds details, but also allows you to subscribe, redeem and switch funds.     Q2. How can I trade funds online¡H A. If you have activated our Personal Internet Banking Service with account auto-registration function enabled, then all accounts (including investment accounts) opened before or thereafter will be automatically included in the account lists of your Personal Internet Banking for your usage. You can then login to Internet Banking to make funds transactions. If you have not subscribed the account auto-registration service, please visit any of our branches to register your investment accounts. After registration, you can make any funds transactions online.     Q3. I have already registered "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product", but why I cannot subscribe funds online? A. According to the requirement of supervisory authorities, all investment fund customers should complete assessment on investment risk tolerance every year. If you have completed the risk assessment more than one year before, you can update the risk assessment via Personal Internet Banking or visit any of our branches to complete risk assessment. Please note that if you online apply for the "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product", you can only use it one working after successfully opened.     Q4. I have not completed the new investment risk assessment for more than one year. Does this mean that I cannot make any funds trading transaction? A. If you have completed the risk assessment more than one year before, you can update the risk assessment via Personal Internet Banking or visit any of our branches to complete risk assessment.     Q5. Can I amend / cancel my instruction online? A. Once we have accepted your instruction, you cannot make any amendment / cancellation online.     Q6. How long can I make enquiries on my transaction history? A. You can access "Investment-->Investment Funds-->Transaction history" to search for transaction history up to 1 year.     Q7. What is the minimum investment amount? A. Funds have different minimum investment amount, please read the details during transaction.     Q8. When will my Funds instruction be processed? A. Personal Internet Banking accepts Funds Trading instruction 24 hours. If you place the instruction from Monday to Friday 8:00 a.m. to 3:00 p.m (Except Public holiday), the instruction will be executed on the same day. If you place the instruction beyond the time period, the instruction could only be executed on next working day.     Q9. How do I know if the Bank has accepted my instruction? A. You can access "Investment-->Investment Funds-->Transaction history" to search for transaction history up to 1 year, including executed and pending transaction. Settled funds transaction are also reflected in the "Investment-->Investment Funds-->Summary". The actual time required for completing the subscription and redemption processes varies from fund to fund.     Q10. When do I need to settle the amount for subscription? A. We will deduct the subscription amount from your chosen fund settlement account immediately after you submit the order. Therefore, please ensure that you have a sufficient balance in your account for settlement.     Q11. Which currency can I use to make subscription? A. You can select the funds settlement account and currency for subscription, please ensure that you have a sufficient balance in your account for settlement, or your instruction will be rejected. Besides, settlement Currency must be the same as the Funds Currency.     Q12. How I could setup Funds Monthly Saving Plan? A. If you would like to setup a Funds Monthly Saving Plan, you can go to "Investment--> Funds-->Setup Funds Monthly Saving Plan", and search by Mutual Funds which suit your need, you can choose up to 5 types of Mutual Funds in one saving plan. Please input monthly contribution amount, dividend options, read the offering document, make customer declaration, and setup the monthly contribution day, the Bank will process your application accordingly.     Q13. What is first contribution day and monthly contribution day? A. You can choose First Contribution Day on any business days within 1 month, then the system will default this business day of each month as the Monthly Contribution Day. On each Monthly Contribution Day, system will debit monthly saving amount according to your selected settlement Account. e.g. you select May 5 as the First Contribution Day, then system will debit the monthly saving amount from your settlement amount on May 5 and 5th of each month.If you select 29th, 30th 31st as the monthly contribution day, the actual contribution day may also be postponed to next working day if that day does not exist in the current month.If the monthly contribution day is on Sat, Sun or Public Holiday, contribution day will be postponed to the next working day. The Bank will subscribe the funds 4 days after the contribution day. (The actual allocation time may differ from funds to funds)     Q14. How long does it take to set up the Funds Monthly Saving Plan? A. The Bank can process your instruction to setup Funds Monthly Saving Plan on next business day(except Saturday), please ensure your settlement account has sufficient amount for contribution     Q15. What is the minimum investment amount for the Funds Monthly Saving Plan? A. This is the monthly investment contribution for the selected fund. The minimum investment amount for every mutual funds is HKD$1,000     Q16. Can I modify or suspend the Investment Saving Plan via Internet Banking? A. No. If you want to suspend or modify the Investment Saving Plan, please visit any of our branches for application.     Q17. Can I terminate the Investment Saving Plan via Internet Banking? A. If you would like to terminate a Funds Monthly Saving Plan, please go to "Investment-->Funds-->Funds Monthly Saving Plan" and click "Terminate Plan", the earliest effective day can be next business day (except Saturday) after you confirm the instruction.     IPO TOP Q1. What is an IPO? A. IPO stands for Initial Public Offering. It is the first time a company issues securities to investors. The newly issued securities will be listed on a stock exchange.     Q2. What are the risks associated with IPOs? A. Over-subscription of an IPO: In some cases, IPO may be oversubscribed. The company may go through an allocation process to determine whether an investor will receive any securities and, if so, in what quantity. In view of potential not receiving the full amount of securities in case of over-subscription, an investor may be tempted to subscribe for more quantity than he intends to. The investor will receive all the quantity applied for and incur the full cost, if the IPO is not oversubscribed. Market risk: There is a risk that the company's share price will drop below its initial IPO price, once the company's securities commence trading (on the stock market or otherwise). Securities prices will fluctuate over time. Business risk: Before your application for IPO shares, it is vital to understand the nature of business you are investing in. Thoroughly study the offering documents, prospectus, financial reports and even seek professional advice before making any decision to invest. Customers can apply for IPO shares and other securities online by accessing our website www.icbcasia.com to read the offering documents then fill in the IPO application form and settle the payment online.     Q3. What are eIPO services? A. eIPO refers to the IPO application services that are available in our Internet Securities Services website. The services available include offering particulars, application submission online and enquiry services.     Q4. Are all IPOs available in eIPO services? A. No. Only selected IPOs will be made available in our eIPO services. The current IPO available for eIPO application can be found in the 'InvestmentaIPOaApply e-IPO' page.     Q5. Do I need to register for eIPO services? A. No. eIPO services are available to all Internet Securities Services users. If you have registered for our Internet Securities Services, you can use the service in the website.     Q6. What are the service hours of eIPO services? A. eIPO services are available 24 Hours (System will not debit the investable amount immediately after Securities Trading session, please ensure the Securities/settlement account has sufficient amount to cover the subscription application before 8:00 a.m. on next business day) You can submit your eIPO application for a specific IPO once the official lodging time starts. The application deadline for eIPO application will be 4:00 p.m. on the day before the official closing date of that IPO.     Q7. How do I know whether my eIPO application has been successfully submitted for allotment? A. You can refer to the 'InvestmentaIPOaApplication Record' page for the details of your eIPO application.     Q8. Can I amend or cancel my application? A. No, once you confirm the eIPO application, we will start processing and you cannot amend or cancel your application.     Q9. When will the application amount be debited from my account? A. The application amount (including any charges, if applicable) will be held from your account upon your confirmation of your eIPO application. Such amount will then be debited from the account on the official IPO closing date.     Q10. How do I know if any shares have been allotted or not? A. If your application is successful, we will notify you by an advice. You can also check the 'InvestmentaIPOaApplication Record' page for the allotment result. Besides, the Bank will also send the allotment result to the email address and/or mobile phone number provided by you in your application.     Q11. If my eIPO application is unsuccessful, when will I receive the refund? A. Refund amount will be credited to your account after our receipt of the refund from the Issuer.     Q12. How can I eligible to apply for eIPO? A. You must be 18 years of age or older and be a permanent resident of Hong Kong.     Q13. Can I have multiple application? A. Where multiple applications are not permitted, multiple and suspected multiple applications will not be accepted and the bank is authorised but not obliged to act on the last instruction given or purported to be given by you where the bank receives more than one instruction whether through eIPO Services or otherwise from you.     Q14. Can I apply for any number of shares? A. Applications must be in one of the numbers set out in the offering documents and indicated in the eIPO Application screen.     Q15. Any charges would be included in the Application amount¡H A. Application amount would include 1% brokerage, 0.003% SFC transaction levy and 0.005% Hong Kong Stock Exchange Trading Fee.     Q16. What are the charges involved if I apply the IPO through ICBC(Asia) Nominee (Yellow Form)? A. Handling fee for application via electronic channel is HKD50.00.     Q17. I have read the IPO details and related document before; do I have to review the document every time? A. There may be variations on offering details for individual IPOs; and thus you need to read and understand the "IPO Details" page and respective offering documents, prospectus every time before application.     Q18. When is the most suitable time to submit IPO application? A. As IPO submissions usually peak on the last few days of the offering period, we advise you to submit your application as soon as you have made your investment decision. This allows you to avoid any unnecessary delay or hindrance in the submission of IPO application.     Q19. Can I apply IPO via Joint Account? A Yes, but other account holders cannot apply the same IPO via own or other joint accounts.     IPO Financing TOP Q1. What is IPO Financing? A. The Bank offers e-IPO Financing services to Personal Customers only. You can submit your IPO application together with an application for IPO loan, which can increase your investment capital. The Bank may consider offer loan up to 90% of the value of shares subscribed, therefore your deposit can be as low as 10% of the total application subscription amount     Q2. Is this financing applicable to all the IPO? A. No, IPO Financing will be subject to the Bank's absolute discretion on case by case scenario.     Q3. What account do I need to open for application of IPO financing? A. Personal customers can apply IPO together with the financing services via Personal Internet Banking Services and "Consolidated Investment Account - Securities (Cash)". Allotted shares will be held in the name of the Bank nominee company (ICBC(Asia) Nominee Limited and/or ICBC(Asia) Securities Limited) on your behalf     Q4. What are the service hours of eIPO Financing services? A. eIPO services are available 24 Hours no matter you apply IPO with or without IPO financing services (System will not debit the investable amount immediately after Securities Trading session, please ensure the Securities/settlement account has sufficient amount to cover the subscription application before 8:00 a.m. on next business day) You can submit your eIPO application for a specific IPO once the official lodging time commences. The application deadline for eIPO application will be 4:00 p.m. on the day before the official closing date of that IPO. We consider IPO financing application on First-come-First serve basis.     Q5. What are the procedures to apply for IPO financing online? A. Application1.     Q6. What is One-Stop Price? A. One-Stop Price is the loan interests for application quantity as defined by the Bank. The default loan amount is 90% of the application amount, you have to deposit 10% of the application amountIt is subject to the Bank's decision for every IPO to provide the One-Stop Price.     Q7. How to calculate the interest payment for the loan? A. Interest Payment = Application Amount X Loan Tenor/365 Days X Interest Rate.Loan Tenor is from date of advance up to full repayment. Interest rate on financing will be subject to current market environment and varies among securities.     Q8. Is there any maximum financing limit applicable? A. Yes. The Bank maintains a maximum financing limit for each IPO, if applicable, apply via Internet Banking, while there is overall limit for applying several IPOs concurrently. We consider IPO financing application on First-come-First serve basis.On the other hand, you have to make sure the account has sufficient amount as security deposit or the Bank shall have sole discretion to reject your application.     Q9. Is there any minimum requirement for the loan amount? A. Yes. The Bank has minimum loan amount for each IPO, if applicable, please read the details in the application page.     Q10. When I apply IPO financing via Internet Banking, system rejects and display "the maximum financing limit via Internet Banking is exceeded", can I still apply this IPO? A. You can change the loan ratio or apply without financing services. Besides, you can apply the IPO financing services via the branch, but there is a maximum loan amount for the application via branch.Please be aware no matter which application channels, you can apply the same IPO once only. Multiple and suspected multiple applications will not be considered.     Bonds(IPO) TOP Q1. What is an initial public offer (the "IPO") for bond? A. During IPO period, investors may subscribe the newly issued bond at the pre-determined price setup by issuer. The price of some bond is normally fixed when the prospectus is published. In general, the price of bond will be fixed according to a pricing formula and the actual subscription amount will only be confirmed at a later date.     Q2. What are the risks associated with Bond? A. All Investment involves risks; the Bond investment would not be an exception. Issuer risk: The receipt of any coupon or principal amount at maturity is subject to the credit worthiness of the Issuer and the Guarantor. In the worst case scenario, bond holder may not able to recover the principal and any coupon. Credit Risk: Any downgrading of the credit ratings of the Guarantor of the bond or its parent or affiliates by rating agencies could result in a reduction in the value of the bond. Interest Rate Risk: The price of bond is subject to interest rate fluctuation. You may incur a loss if you want to sell the bond before maturity. Exchange Rate Risk (applicable to bond denominated in a foreign currency): Any fall in the exchange rate of foreign currency will reduce the amount you receive after conversion of interest or principal into local currency. Liquidity Risk: If you wish to sell the bond before maturity, there may be no ready secondary market. You should consider your need for cash during the investment period. Event Risk: Events including but not limited to bond issuer undertakes a leverage buyout, debt restructuring, merger or recapitalization may cause the price of bond to drop. Reinvestment Risk (for bond with early redemption feature): If the issuer redeems the bond before maturity, you may only be able to invest in a similar product at a lower interest rate than previously available.     Q3. Who should buy Bonds? Are they suitable for everyone? A. The Bonds provide periodic fixed interest payments and principal repayment at maturity. The Bonds are suitable for investors looking for long term hold product who do not need to sell their Bonds before maturity for liquidity needs as there may not be an active secondary market.     Q4. Is there any subscription fee or handling fee involved? A. In general, the Issuer will charge handling fee in Bonds IPO subscription. Save for the handling fee charged by the Issuer,, the bank will charge the custodian fees.     Q5. Can the handling fee be waived? Is the handling fee the same charged by each distributor? A. No. The handling fee is charged by Issuer and it is the same for each distributor. The Bank has the right to waive the custodian fee.     Q6. How to calculate the settlement amount of bond? A. Settlement Amount is the sum of the subscription amount and handling fee excluding the bank commission, if any. Renminbi Bond must be settled by Renminbi.     Q7. Do I need to open the consolidated investment account for the Bond IPO? A. Yes, customers need to open and maintain a consolidated investment account with the Bank.     Q8. What if the Bonds over subscribed? A. The Issuer will allot the successful units by ballot and the result of ballot will be notified to each distributor by email. For partially successful and wholly unsuccessful applications, the principal amount or part thereof and the handling fee (without interest) will be credited to applicants' designated settlement account.     Q9. When will the Bank debit my account for the application? A. The subscription funding should be withheld immediately upon order taking and the funding will be debited on the last business day of the Initial Public Offering Period.     Q10. During Bonds Subscription, system displays "Sorry, selected account currency and product currency should be the same." What should I do? A. Subscribe Bonds via Internet Banking must use the same currency, you can go to "Deposit-->Funds Transfer and Currency Trading" to exchange the currency before subscription.     Q11. During Bonds Subscription, system displays "You have not submitted a W8 Form to the Bank. Please submit the form to any of our branches." What should I do? A. If you have not submitted a W8-Ben Form to the Bank or the form has expired, please submit the form to any of our branches or mail to Branch Support Department, 12/F, 122-126 Queen's Road, Central, Hong Kong. Purchase of US bonds must be accompanied by a duly completed W8-Ben Form (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding). Click here to download W8-Ben Form     Q12. The subscription amount for bonds has been deducted from my settlement account, when will the bonds be allotted? A. Bonds Issuers have different arrangement for the allotment, please read the Result Announcement date before your subscription of bonds.     Certificate of Deposit TOP Q1. What are the risks associated with CD? A. All Investment involves risks; the CD investment would not be an exception. 1. Deposit Protection Scheme Certificate of Deposit is not the same as time deposit. It is not a protected deposit and neither protected by the Deposit Protection Scheme nor guaranteed by the Hong Kong SAR Government's Exchange Fund.   2. Issuer risk The CD is issued by ICBC(Asia). If ICBC(Asia) becomes bankrupt or default, you may lose part or the whole of your investment amount. In the worst case scenario, depositor may lose the entire investment with no coupon received.   3. Foreign Currency Risk As the CD is denominated in RMB, depositor might expose to the risks of RMB exchange rate fluctuation and RMB currency control which may be changed from time to time. RMB is not a freely convertible currency. Since there is restriction in RMB conversion, depositor may have to allow time for conversion of RMB from/to another currency of an amount exceeding the daily limit. All payments in respect of the CD will be made solely by transfer to a RMB bank account maintained in Hong Kong in accordance with prevailing rules and regulations.   4. Interest Rate Risk The return on the CDs may decrease with changes in relevant interest rates during the term of the Deposit. 5. Liquidity Risk As the CD has its specific maturity date, if depositor wishes to sell or transfer the CDs before maturity, there may be no ready secondary market. The selling value of the CD (if any) may be affected by market factors and may be lower than the principal amount. In the event of early withdrawal, depositor may incur a significant loss of principal where the proceeds may be substantially lower than the invested amount. Therefore depositor should consider your need for cash during the deposit period and be prepared to hold the CD till maturity.     Q2. Who should buy CD? Are they suitable for everyone? A. The CD is designed for investors who wish to invest in instruments which providing periodic fixed interest payments and principal repayment at maturity. The CD is designed for investors looking for a buy-and hold, medium to longer term, type of product and who do not need to sell their CD before maturity for liquidity needs as there may not be an active secondary market for CD.     Q3. Is there any subscription fee or handling fee involved? A. In general, the Issuer may will charge handling fee and custodian fee for CD subscription.     Q4. Do I need to open the consolidated investment account in subscribing the CD? A. Yes, customers need to maintain a consolidated investment account with the Bank.     Q5. What if the CD over subscribed? A. It is the issuer who decides how to handle over subscription. If the particular issue is employing "First Come First Serve" basis until the subscription upper limit be reached. If the successful units will be alloted by ballot, for partially successful and wholly unsuccessful applications, the principal amount or part thereof and the handling fee (without interest) will be credited to applicants' designated settlement account.     Q6. When will the Bank debit my account for the application? A. The subscription funding should be withheld immediately upon order taking and the funding will be debited on the "Deposit Day".     Q7. During CD Subscription, system displays "Sorry, selected account currency and product currency should be the same." What should I do? A. Subscribe CD via Internet Banking must use the same currency, you can go to "Deposit-->Funds Transfer and Currency Trading" to exchange the currency before subscription.     Q8. The subscription amount for CDs has been deducted from my settlement account, when will the CD be allotted? A. Issuers have different arrangement for the allotment, please read the Result Announcement date before your subscription of CD.     Credit Card Application TOP Q1. Can I apply your bank's Credit Card instantly via Internet Banking Services? A. No. Nevertheless, you can login to our bank's Personal Internet Banking services, select "Card Application" under "Card" main menu, and then choose the card application form to download and fill-in necessary details with your signature. You may mail the form together with the required document or submit the application via any of our branches.     Q2. Can I request for Credit Card monthly statement via Internet Banking? A. Yes. You can login to our Bank's Personal Internet Banking system, select "Statement" under "Card" main menu, and then accordingly input the required details and confirm the application. After system received your instruction, we will mail the statement to your registered address on next working day.     Q3. Can I request for the ATM Pin of my Credit Card via Internet Banking? A. Yes. You can login to our Bank's Internet Banking system, select "ATM Pin" under "Card" main menu, accordingly input the required details and confirm the application. After received your instruction, the PIN will be sent to your registered address on next working day by mail.       Credt Card e-Statement Application Q4¡G How to apply and use the Credit Card e-Statement service? A. You can logon to our Personal Internet Banking or visit any of our branches to apply Credit Card e-Statement service. The instruction will be processed within 7 working days. After the instruction has been completed, the bank will not send the monthly statement of your Credit Card account by post. To view the e-Statement, you can logon to our Internet Banking services, go to "Other Servicesae-StatementaView e-Statement" to printout or download the monthly statement.     Q5. Is there any charge to applying and using Credit Carde-Statement service? A: No. This service is free of charge.     Q6. When will I receive Credit Card e-Statement after registration? A: Apply Credit Card e-Statement will be processed within 7 working days. After the instruction has been completed, you can logon to receive the Credit Card e-Statement from next statement date onwards. For the statement date, please refer to the Credit Card printed statement.     Q7. What is the service hour for applying Credit Card e-Statement service via Personal Internet Banking? A: The Bank accept application anytime, the application will be processed within 7 working days.     Q8. Will I still receive printed copy of the statement? A: After Credit Card e-Statement service has been effective, the Bank will send you a customer notification letter and you will only receive electronic copy of the statement, the Bank will not send out any printed copy of statement.     Q9. How long will the Credit Card e-Statement be kept online? A: Credit Card e-Statement will be retained for 6 months from the statement date. Please print out or download the statement to keep a copy of record.       Cancel Credit Card e-Statement Q10. Can I cancel e-Statement service? A: Yes. You can cancel e-Statement service via Internet Banking or visit any of our branches in person. After the instruction has been completed, the Bank will send the monthly statement of your Credit Card account by post.     Q11. How does system process multiple Apply/cancel instructions of Credit Card e-Statement from the same account on the same day? A: If you have made several Apply/Cancel instructions (Apply or cancel the service) on the same day for the same account, we will execute your last instruction only.       Credit Card e-Statement Email Alert Q12. What is Credit Card e-Statement Email Alert? Is there any charge for the Email Alert service? A: When you apply for the e-Statement service, we will an additional service to provide e-Statement Email Alert. When you have new e-Statement, we will send an alert email to your registered email address(This is applicable to customer with registered email address). This service is free of charge.     Q13. I did not register any email address, can I apply the e-Statement service? A: Yes. Email Alert is only an additional service, which alerts your statement is ready for you to check and download. If you have not registered email address, you can still apply and check out the e-Statement regularly. If you would like to update the email address record, please visit any of our branches to apply.       For questions related to viewing e-Statement, please read "e-Statement" under "Account Services". Payment TOP Q1. Can I repay the outstanding credit balance of my credit card? A. Yes.     Q2. Can I settle payment to third party Credit Card accounts within the Bank? Or even Credit Card issued by other local banks? A. Yes. If you would like to settle payment to credit card of our bank or other "JETCO" bank, you must visit any of our branches to pre-register the credit card account for online payment. On the other hand, if you are using Two Factor Authentication with either digital Certificate or SMS, you can directly register the credit card account via Internet Banking. After successfully registered, you can pay bills to these credit card accounts online. Enquiry TOP Q1. Can I enquire the outstanding balances of my credit card though Internet? A. Yes.     Q2. Can I enquire about the bonus point of my credit card? A. Yes. Credit Limits TOP Q1. Can I re-allocate the credit limit of my credit card via Internet? A. Yes. The accepted adjustment on credit limit will be effective after 3 working days.     Q2. Can I apply for the adjustment of credit limit with my credit card? A. Yes. If you would like to increase your credit limit, you have to provide income proof for the past 3 months for approval reference. The accepted adjustment on credit limit will be effective after 3 working days. ICBC Remittance TOP Q1 What is "ICBC Remittance" Service? A: "ICBC Remittance" service is designed according to the usual practice of ICBC customer in mainland China. Apart from remitting funds to ICBC Account in mainland China("ICBC Account"), you can also transfer funds within our bank, to other local and overseas banks. Below is the function list: CNY Remittance to ICBC Non-CNY Remittance to ICBC Other Overseas Remittance Same/Local bank Transfer Transfer within our bank and currency trading Free Transfer - Electronic Clearing Express Transfer - Chats     Q2. Could you provide the service details of the transfer/remittance servcies, including transaction limit, service hour and service charge, etc? A: Below is the comparison table of the various transfer/remittance services   CNY Remittance to ICBC Non-CNY Remittance to ICBC Other Overseas Remittance Same/Local bank Transfer Transfer within our bank and currency trading Free Transfer - Electronic Clearing Express Transfer - Chats Beneficiary Account Must be pre-registered ICBC CNY same-name Accounts ICBC Accounts China or Overseas Accounts ICBC(Asia) Accounts HK Local Bank Accounts Service Charge Promotion HKD 100 HKD 100 HKD 100 - 140 Free Free HKD 100 Remittance CCY CNY Non-CNY* Non-CNY* CNY and Non-CNY* HKD HKD, USD, EUR, CNY Processing Time 1 Day at the earliest Depends on beneficiary banks Instant 3 Days Can be same Day Remittance Limit CNY80,000 or your preset limit, depends on which is lower Pre-registered account, the daily transaction limit is HKD500,000 Non-registered account, the daily transaction limit is HKD100,000 and requires two factor authentication (or your preset limit, depends on which is lower) Service Hour Accept instruction 24 hours Except instruction submitted within below time period and Public holidays, the bank will process the instruction on next business day: Monday to Friday 9:30am to 3:00pm (2:00pm for CNY and CAD) Accept instruction 24 hours Monday to Friday 9:00am to 10:00pm Accept instruction 24 hours Except instruction submitted within below time period and Public holidays, the bank will process the instruction on next business day: Monday to Friday 9:30am to 5:00pm (4:00pm for CNY and EUR) * Non-CNY Currencies include: HKD, AUD, CAD, GBP, EUR, SGD, CHF, NZD, JPY, USD     Q3. Do I need to pre-register the beneficiary accounts for transferring Renminbi to ICBC bank accounts in China? A: Yes, you need to pre-register the beneficiary accounts at branch and the beneficiaries' name must be registered in Chinese Telex Code unless the beneficiary has no Chinese name. Meanwhile, the remitter's name must be same as the beneficiary. On the other hand, you must have a CNY bank account. Please go to "Administration > A/C Opening" to open a CNY account (only applicable for Hong Kong Identity Card Holder)     Q4. Why I cannot find any registered account in "CNY Remittance to ICBC" and "Non-CNY Remittance to ICBC" services? A: In "CNY Remittance to ICBC", you can only see ICBC same name account in mainland China. System will reject the instruction if the name of the beneficiary CNY account does not match the payee's.     Q5. What is "CNY Instant Exchange"? A: This function only applies to "CNY Remittance to ICBC" Service, while only CNY bank account be selected as the remittance debit account, if your CNY bank account does not have sufficient amount, you can click "CNY Instant Exchange" on the same page to exchange HKD for CNY. Please notice that they daily maximum exchange limit is CNY20,000.     Q6. I do not pre-register any ICBC account in mainland China as beneficiary account, can I still use the remittance service? A: Yes, but you must have registered two-factor authentication service. Through the "Non-CNY Remittance to ICBC" service, you can provide ICBC beneficiary account details, including bank account number, beneficiary name and city, etc, then you can submit the non-CNY remittance instruction. Please notice that non-registered account has to daily maximum remittance limit of HKD100,000 and requires two-factor authentication.     Q7. Does ICBC in mainland China have extra service charge for processing the inward remittance? A: No extra service charge.     Insurance General Information TOP Q1. Can I enroll in any insurance plan through your Internet Banking Service? A. Yes, you can enroll in the Travel Insurance anytime through Internet Banking Service.     Q2. Do I need to read the plan details before submitting the application? Where can I get the plan details? A. Yes, you should understand the content of the policy before submitting an application. You can access the plan details at the Insurance Section of our Internet Banking Service.     Q3. Do I need to submit the enrolment form again after successful online enrolment? A. No, it is not necessary to submit the enrolment form again.     Q4. How do I know my application has been accepted? A. Once we have accepted your enrolment, a confirmation screen will appear with a reference number and policy number generated to you. You can print out the plan details by pressing Certificate button.   Travel Insurance TOP Q1. What are the different types of travel insurance that I can enroll through your Internet Banking Service? A. You can enroll in the Supreme Plan/Super Plan/Excellent Plan (China Taiping Insurance (HK) Company Limited), and the VIP Plan/Classic Plan (AXA General Insurance Hong Kong Limited) through our Internet Banking Service.     Q2. What is the longest period of insurance? A. The longest cover period of insurance for round-trip is up to180 days.     Q3. Is there any age limit for the insured? A. The age of the insured persons must not greater than 65 and one of the insured persons must be greater than 17.     Q4. Can I apply for the Travel Insurance for persons going in the same trip? A. Yes, you can apply for the Travel Insurance for your family (i.e. your spouse and family children) going in the same trip.     Q5. What can I do if emergency assistance is required during the journey? A. You can call the Emergency Assistance Hotline on (852) 218 95588. Domestic Helper Q1. Is there any discount for online application? A. You can enjoy 10% discount off for online enrolment..     Q2. How do I know the coverage of the policy? A. You may login to our Personal Internet Banking Services, select " Product Features & Application" under the Section "Insurance", and then click on the interested product to read the product features and coverage.     Q3. When is the earliest policy effective date for online enrolment? A. The earliest effective date is the day after the enrolment.     Q4. May I select the insured period? A. You may choose the insured period for one year or two years.     Q5. Is there any age limit for insured domestic helper? A. Yes. Insured domestic helper must be between the ages of 18 to 65.     Q6. Are there any other restrictions for insured domestic helper? A. Yes. The place of origin of Insured domestic helper must not be in 'China', 'Hong Kong' and 'Macau'.     Q7. Is the premium debit from my bank account directly? A. Yes. The premium will be debit from your designated account immediately upon online enrolment.     Part-time Domestic Helper Q1. Is there any discount for online application? A. You can enjoy 10% discount off for online enrolment.     Q2. How do I know the coverage of the policy? A. You may login to our Personal Internet Banking Services, select " Product Features & Application" under the Section "Insurance", and then click on the interested product to read the product features and coverage.     Q3. When is the earliest policy effective date for online enrolment? A. The earliest effective date is the day after the enrolment.     Q4. May I select the insured period? A. You may choose the insured period for one year or two years.     Q5. Is there any age limit for insured domestic helper? A. Yes. Insured domestic helper must be between the ages of 18 to 65.     Q6. Are there any other restrictions for insured domestic helper? A. Yes. The place of origin of Insured domestic helper must be in Hong Kong, and the annual salary should not exceed HKD50,000.00.     Q7. Is the premium debit from my bank account directly? A. Yes. The premium will be debit from your designated account immediately upon online enrolment.     Golfer's Insurance Q1. Is there any discount for online application? A. You can enjoy 10% discount off for online enrolment..     Q2. How do I know the coverage of the policy? A. You may login to our Personal Internet Banking Services, select " Product Features & Application" under the Section "Insurance", and then click on the interested product to read the product features and coverage.     Q3. When is the earliest policy effective date for online enrolment? A. The earliest effective date is the day after the enrolment.     Q4. May I select the insured period? A. No. The insured period is one year.     Q5. Is there any age limit for insured domestic helper? A. Yes. Insured domestic helper must be between the ages of 18 to 65, and the resident of Hong Kong.     Q6. Is the premium debit from my bank account directly? A. Yes. The premium will be debit from your designated account immediately upon online enrolment.     Policy Enquiry TOP Q1. Can I enquire for the policy through your Internet Banking Service? A. Yes, you can enquire the policy which you have successfully enrolled through our Internet Banking Service in the past six months.     Q2. Can I enquiry the policy which doesn't apply through your Internet Banking? A. Yes, you can enquiry the simplified information of the policy which was applied through other channel. The policy information may not be updated due to the operation procedure arrangement. If you have any queries, please contact our branch at your convenience for more details. Claim Form TOP Q1. Can I submit the claim form through your Internet Banking Service? A. No, it is not available at the moment. You can print out the Insurance Claim Form at the Insurance Section by pressing print button or download the related claim form from our website. Whilst, the completed Claim Form should be sent to the related Insurance Company respectively. Elite Club Fund Sweeping TOP Q1. Is fund Sweeping executed regularly or for once only? A. It will not be only executed for one-time only. The system will automatically and regularly check if the pre-set criteria are met and execute the instruction accordingly.     Q2. Which are the pre-set criteria in setting the Fund Sweeping instruction? A. Pre-set criteria in setting the Fund Sweeping instruction can be based on the Exchange Rate, Fixed Transfer Amount, Remaining Account Balance, Execution Frequency and Maximum Number of Transaction. For details, please contact our Customer Services Managers or our Customer Services Hotline (852) 218 95588.     Q3. Is there any channel to apply for the Fund Sweeping service besides Internet Banking? A. Our Elite Club Account's customer can also apply for the Fund Sweeping Service at Branches besides applying the service in our Personal Internet Banking.     Q4. Can I setup more than one Fund Sweeping Instruction? If yes, how does the system determine the execution order of the instruction? A. You can set up the Fund Sweeping Instruction open-ended. All instructions, including those set up in Branches, will be executed according to the set up date by ascending order.     Q5. Is there any charge to be levied for Fund Sweeping Service? A. It is free of charge.     Q6. Can I transfer money to other accounts through Fund Sweeping Service? A. We allow fund transfer between the sub accounts of Elite Club account only.     Limit Reduction TOP Q1. What kind of transaction limits is allowed for reduction via our Internet Banking Service? A. "Elite Club" Account customer can apply for: (1) the Daily Transfer Limit Deduction for third party accounts, (2) No Bounced Cheque / Auto-pay Protection Credit Limit Deduction, and (3) Auto-pledged Secured Credit Limit Deduction via our Personal Internet Banking. For details, please contact our Customer Services Managers or our Customer Services Hotline at (852) 218 95588.     ICBC A/C EasyAccess TOP Service Introduction Q1. What kind of services provided after the registration of ICBC Account to ICBC (Asia) or vice versa? A. You can make account balance enquiry and historical transactions enquiry of the registered accounts of ICBC or ICBC (Asia) through respective personal internet banking. If you are a customer of ICBC, you can also make a request to remit funds from ICBC (Asia) account to ICBC account through ICBC Internet Banking.     Q2. To apply this service, should the account holder of ICBC Account and ICBC (Asia) account be the same person? A. Yes, the account holder of ICBC Account and ICBC (Asia) should be the same person.             Application   Q1. How do I apply the account registration into respective Personal Internet Banking? A. The application should be initiated in ICBC Personal Internet Banking. Then the customer should come to any one of our branches to confirm the application within 60 days from the date of application submitted, otherwise, the application will be automatically cancelled and new application is required.     Q2. During the confirmation of the application in our branch, can customer amend the application details such as the transaction limit or amount? A. Sorry, ICBS (Asia) customer can only accept or reject the application, the application details cannot be amended.     Q3. What kinds of information are required in applying account registration in ICBC Personal Internet Banking? A. Register ICBC (Asia) account to ICBC Internet Banking: Required information including ICBC (Asia) account number, English name of account holder, type of Identity Document and number, Operation Privilege (enquiry/enquiry + remittance), if operation privilege selected is enquiry + remittance, Daily Limit of Transfer (Remittance) are required to enter. Register ICBC account to ICBC (Asia) Internet Banking: Required information including ICBC Card number, ICBC (Asia) Personal E-Banking account number, English name of ICBC (Asia) Account Holder and type of Identity Document and number are required to enter.     Q4. What kind of information should be provided for confirmation of the application in ICBC (Asia) branch? A. Customer should provide the identity document for account opening in ICBC and ICBC (Asia), and fill in the relevant form providing the ICBC account/card Number, Card holder name and identity document type and number.     Q5. What is the daily transfer (remittance) limit for the ICBC (Asia) account registered to ICBC Personal Internet Banking? A. Customer can assign the daily transfer (remittance) limit for ICBC (Asia) account registered to ICBC Personal Internet Banking. The maximum daily limit for each registered account is HKD250,000.00. But if the a customer has more than one account registered to ICBC Personal Internet Banking, the total daily maximum limit for those accounts is HKD500,000.00 only. (This amount is aggregated to the registered third party daily transfer limit in ICBC (Asia) Personal Internet Banking).         ICBC (Asia) Account Register to ICBC Personal Internet Banking Q1. Which ICBC (Asia) accounts can be registered to ICBC Personal Internet Banking? A. Savings Account, Current Account, Multi-Currency Savings Account, Time Deposit Account, 349 Super Account, Elite Club Account, Private Banking Account and Credit Card Account can be registered to ICBC Personal Internet Banking.     Q2. Does sub-Account of integrated accounts (349 Super Account, Elite Club Account or Private Banking Account) register independently to ICBC Personal Internet Banking? A. No. The sub-accounts of integrated accounts (349 Super Account, Elite Club Account or Private Banking Account) are automatically registered once the master account of the Integrated is registered.     Q3. What kind of services can be used when the ICBC (Asia) account is registered in ICBC Personal Internet Banking? A. Through the ICBC Personal Internet Banking, customer can make following transactions: Account balance and historical transactions enquiry of the registered ICBC (Asia) accounts. - Issue a remittance instruction to remit funds from the registered ICBC (Asia) account to ICBC account.     Q4. After the confirmation of the account registration, how to make the status? enquiry of ICBC (Asia) account in ICBC Personal Internet Banking? A. Login ICBC Personal Internet Banking, select "Registered Account List" then you can view the status of the registered ICBC (Asia) account and make account balance and historical transaction enquiry.     Q5. How to remit funds from the registered ICBC (Asia) account to ICBC account? A. Login ICBC Personal Internet Banking, select "Remit funds from registered ICBC (Asia) account to ICBC account" under "Transfer" folder and follow the instruction to fill in data like receiver's name, receiver's account number, funds amount and currency, etc.     Q6. Does it have a services hour for issuing remittance instruction from ICBC Personal Internet Banking? A. The services hour for issuing remittance instruction from ICBC Personal Internet Banking to remit fund from the registered ICBC (Asia) account is as below: For all currency other than CAD:- Monday to Friday : 9:30a.m. to 3:00p.m. For currency in CAD: Monday to Friday : 9:30a.m. to 2:00p.m.     Q7. Is there any restriction in currency remitted from ICBC (Asia) account to ICBC Account? A. Except RMB, the following currencies are accepted : HKD, AUD, CAD, CHF, EUR, USD, GBP, JPY, NZD and SGD.     Q8. If remittance amount is involved exchange, which party to determine the exchange rate? A. The exchange rate is determined by ICBC (Asia).     Q9. How does ICBC (Asia) handle the remittance instruction received from ICBC after the service hour? A. ICBC (Asia) will reject the remittance instruction immediately.     Q10. Can ICBC (Asia) Credit Card account register to ICBC Personal Internet Banking for remittance purpose? A. No. The Credit Card account registered to ICBC Personal Internet Banking is only for account enquiry.              ICBC Account Register to ICBC (Asia) Personal Internet Banking Q1. What kind of ICBC accounts can register in ICBC (Asia) Personal Internet Banking? A. The following accounts/cards can register to ICBC (Asia) Personal Internet Banking:- Elite Club Account Card Debit Card Credit Card Money Link Card Money Link Card .E-Age Each account card has its basic account, only the basic account is registered.   Q2. Can ICBC account card register to ICBC (Asia) Joint Name Internet Banking? A. No.     Q3. What kind of services of ICBC account registered in ICBC (Asia) Personal Internet Banking? A. In ICBC (Asia) Personal Internet Banking, you can make account enquiry and transaction historical of the basic account of respective registered ICBC account card.     Q4. How to make account enquiry of the registered ICBC account in ICBC (Asia) Personal Internet Banking? A. Login ICBC (Asia) Personal Internet Banking and select "ICBC Express", there are three enquiry functions including Account Balance, Today's Details and Historical Details.     Q5. Where can I check my ICBC account is successfully registered in ICBC (Asia) Personal Internet Banking? A. Since the application of account registration is through ICBC Personal Internet Banking, you can only check it from your ICBC Personal Internet Banking.     Others Q1. If there is malfunctioning of communication or failure of system either in ICBC or ICBC (Asia), does ICBC (Asia) liable for any consequence due to service suspended? A. ICBC (Asia) is not liable for the service suspended, due to malfunctioning of communication or failure of system either in ICBC or ICBC (Asia). Q2. Why the content of the same account presented in Personal Internet Banking of ICBC and ICBC (Asia) is different? A. Due to the banking system of ICBC and ICBC (Asia) is different, there may be slightly different in the presentation format of the account information in Personal Internet Banking, but the account information will finally base on the Bank record of ICBC or ICBC (Asia).     Q3. If I terminate the authorization for ICBC customer in operating my account, or cancel the authority in handling ICBC Account, does ICBC or ICBC (Asia) cancel all pending transaction instruction immediately? A. ICBC or ICBC (Asia) will try to cancel all pending transaction instruction as early as possible upon receive the cancellation request from customer, but ICBC and ICBC (Asia) are not liable for any consequence due to the pending transaction instruction not yet cancelled. Account Maintenance Scheduled Transactions TOP Q1. Can I enquire for the details of my scheduled transactions? A. Yes, you can view your outstanding scheduled transactions anytime through our Internet Banking Service.     Q2. Can I delete a scheduled transaction? A. Yes, you can delete your scheduled transaction anytime online before the effective date.     Q3. Can I make any amendments to a scheduled transaction? A. This is not available at the moment. You can delete your scheduled transaction anytime online before the effective date.     Q4. How do I know the result of my scheduled transaction? A. You can check the result of your scheduled transaction under the Message Box Section on the effective date after 10:00a.m.. Transfer Limit Deduction TOP Q1. Can I apply for the addition or deduction of my Internet Banking daily transfer limit via your Internet Banking Service? A. We only offer the function of daily transfer limit deduction for Personal Internet Banking customers. You can input the new transfer limit anytime online, and the change will be real-time updated.     Q2. How can I increase the daily transfer limit? A. You are required to visit any of our branches to fill out the Internet Banking Services - Personal Amendment Form for the change of transfer limit. Two Factor Authentication Registration (including e-Cert and SMS password authorization) TOP Q1. What is Two Factor Authentication? A. To increase security for online banking transactions and fulfill the requirement of supervisory authorities, our bank adopt digital certificate and SMS as means of two-factor authentication for our Internet Banking Customers. (SMS authentication is only available in Personal Internet Banking). Customer can choose any means of two-factor authentication when transfer funds to non-registered 3rd party accounts via Internet Banking Services.     Q2. Can I use my e-Cert or SMS password to confirm the transactions performed via Internet Banking Service? A. Yes, you can authorize the "High Risk Transaction", such as non-registered third party account funds transfer; register other bank credit card for bill payment, etc., by using e-Cert or SMS password. Meanwhile, no e-cert or SMS password are required for the confirmation of non high-risk transactions. With effect from Nov 1st,2011, even you enabled "SMS Forwarding" service by local telecommunication company in Hong Kong, transaction SMS for Internet Banking services (including but not limited to SMS-based one-time password) will be sent to your registered phone number only. For more information, please call 218 95588. Below is a list of concerned transaction SMS One-Time Password (Two-Factor Authentication) Transaction Confirmation SMS (sent after confirmed the transaction) Securities Transaction Notification Stock Watch Alert ICBC (Asia) Messaging     Q3. What is "High Risk Transaction"? A. The "High Risk Transaction" include in our Internet Banking are as follows: Fund Transfers /Remittances to non-registered account Registration of JETCO member bank's credit card bill payment Application for Credit Card's ATM PIN Cashier's Order / Demand Draft Request (Collected at branches by authorized person or by registered mail to the customer's correspondence address) Request for Autopay Standing Instruction e-Cert / SMS Registration On-line ATM Card Application Modify Mobile Phone Number (Only applicable for users using e-Cert as two-factor authentication) 銀證轉賬 - 登記證券公司     Q4. What kind of transaction is required to use the two-factor authentication for confirmation? A. For those Internet Banking Customers who have registered two factor authentication, e-Cert pin or SMS password is requested for two factor authentication (depends on whether users have registered e-Cert or SMS as two factor authentication) when customers try to make high-risks transaction, such as transfer to non-registered 3rd party accounts, register 3rd party credit card account, etc. For other types of transactions, system will base on the transaction nature that customers might confirm and complete the transaction with their login pin or even without any pin. For those Internet Banking Customers who have NOT registered any means of two-factor authentication, system will not allow them to perform any high-risk transactions.     Q5. How can I authorize the transactions by my e-Cert? A. You need to select the e-Cert after clicking on the "Select Certificate" button, and then input the Secure Token password for authorization of high-risk transactions.     Q6. What kinds of e-Certificate are accepted? A. Our bank accepts "e-Cert" issued by Hong Kong Post (or its agency) for Personal Internet Banking and Commercial Internet Banking. Besides, we also accept digital certificate issued by Digi-sign Certification Services Limited for Commercial Internet Banking. In the meantime, our bank only accept non-duplicable private key stored in a secure media.     Q7. Which area of mobile number will be accepted as the SMS on time password authorization by the bank? A. We accept mobile number registered in Hong Kong, the Mainland and overseas for SMS authentication in Personal Internet Banking.     Q8. Do I need to pre-register or inform the Bank for using my e-Cert as the authorization authentication? A. For Personal Internet Banking customers, you can online register your e-Cert. For Commercial Internet Banking customers, you are required to define the authentication method as well as the registration of e-Cert number upon application of our Internet Banking Services.     Q9. How can I register my e-Cert via Personal Internet Banking Services? A. You are required to insert your eKey /USB Secure Token into your computer before login to our Personal Internet Banking Services. Then, select "e-Cert Registration", input personal information, clicks on the "Select Certificate" button to choose the designated e-Cert. Input the Token password and the Internet Banking Services PIN for confirmation.     Q10. If I find difficulties in importing my e-Cert to the secure device, what should I do? A. You may contact the hotline number of the related vendor for assistance. For Hong Kong Post e-Cert: "ECERTS Products and Services Limited": (852) 2121-2121 For Digi-Sign e-Cert: "Digi-Sign": (852) 2917-8833 For ICBC (Asia) USB–Shield: Call our 24-hour customer service hotline (852)218 95588     ICBC (Asia) USB–Shield TOP Q1. What is the ICBC (Asia) USB–Shield? A. ICBC (Asia) USB-Shield is a Digital Certificate issued by Digi-sign Certification Services Limited and launched by our bank which provides the two-factor authentication for our Commercial Internet Banking Customers (for singer use only).     Q2. How to apply for the ICBC (Asia) USB–Shield? A. Please submit the <Commercial Internet Banking Service Application Form> or <Commercial Internet Banking Service Amendment Form>(only applicable to existing CIB Customer) and <Certified Copy of the Extracts of the Resolutions> to any of our branches for applying the ICBC (Asia) USB–Shield.     Q3. How long is the valid period of the ICBC (Asia) USB–Shield? A. The valid period of the ICBC (Asia) USB-Shield is three years.     Q4. How many types of Digital Certificates can be accepted by CIB? A. Currently we can accept both the Hong Kong Post (Organizational) e-Cert issued by the Hong Kong Post and ICBC (Asia) USB–Shield.     Q5. What will happen if I forget the password of ICBC (Asia) USB-Shield? A. If you enter the incorrect password over 10 times, the ICBC (Asia) USB-Shield will be blocked. Please submit the <CIB Service Special Instruction Form> to any of our branches to apply a new ICBC (Asia) USB-Shield.     Q6. For security enhancement, what areas should I pay attention to the ICBC (Asia) USB–Shield? A. If the ICBC (Asia) USB–Shield is not properly sealed upon receipt , please do not use it and call our 24-hour customer service hotline (852)218 95588 immediately. You are recommended to change your ICBC (Asia) USB–Shield PIN before the first logon to our Internet Banking System and the old ICBC (Asia) USB–Shield PIN should be destroyed after then (for details please contact Digi-sign Certification Services Limited by (852) 2917 8833 or visit their website: www.dg-sign.com) Please always keep ICBC (Asia) USB–Shield in a secured place and separately from your ICBC (Asia) USB–Shield PIN. Under no circumstances should you allow others to use your ICBC (Asia) USB–Shield and disclose your ICBC (Asia) USB–Shield PIN to anyone. For security reason, please change your ICBC (Asia) USB–Shield PIN via the related change password program regularly. Avoid letting anyone see you key in your ICBC (Asia) USB–Shield PIN when you are using Internet Banking Service. Always remember to remove your ICBC (Asia) USB–Shield after completing your transaction. In case of loss, theft or misuse of digital certificate, please submit the <CIB Service Special Instruction Form> to any of our branches.     Second Password TOP Q1. What is Second Password? A. Second Password is a security measure to further enhance our online banking security in performing high-risk Internet Banking transactions. You will be required to enter your valid SMS one-time password or the e-Cert password as the two-factor authentication, followed by the “Second Password” to complete the high-risk transaction.     Q2. How to register a second password? A. During 1 November 2011 to 30 November 2011, customer who has registered SMS one-time password or e-Cert password as the two-factor authentication, can log in to the Internet Banking. Then select “ Administration” > “Authentication”> “Second Password Registration” to set up the password which will be activated immediately. Customer can also apply for the registration at branches, however, the Second Password will not be activated immediately After 30 November 2011, you can only register the Second Password at branches, but it will not be activated immediately.     Q3. What are the online services that require the Second Password? A. After the commencement of Second Passsword related services, the following online services will require your valid SMS one-time password (or the e-Cert password) and the Second Password for validation:- Fund Transfers /Remittances to non-registered account Registration of JETCO member bank's credit card bill payment Application for Credit Card's ATM PIN Cashier's Order / Demand Draft Request (Collected at branches by authorized person or by registered mail to the customer's correspondence address) Request for Autopay Standing Instruction e-Cert / SMS Registration On-line ATM Card Application Modify Mobile Phone Number (Only applicable for users using e-Cert as two-factor authentication) 銀證轉賬 - 登記證券公司     Q4. What do you need to know about setting up the Second Password? A. The Second Password cannot be identical to the Online Banking login password.     Q5. How do you change the Second Password? A. You can change your Second Password anytime, simply go to ICBC (Asia) Personal Internet Banking to change the second password, select “Administration> Authentication > Change Second Password”.     Q6. How can you obtain the new Second Password? A. If you have lost the Second Password or have entered the Second Password wrongly more than four times, you should visit our branches in person or download the form from our Internet Banking Website and apply for the reissue of the Second Password by post.     Trade Finance (For Commercial Internet Banking Only)   Applications Mortgage Instalment Loan TOP Q1. Can I apply for the Mortgage Instalment Loan through your Internet Banking Service? A. Yes, you have to fill out the Mortgage Instalment Loan Application Form in English under the Application Section of Mortgage Instalment Loan and submit the application form through our Internet Banking Service. Our staff will notify you of the application result as soon as possible. Trade Finance (For Commercial Internet Banking Only) TOP Q1. Can I online apply for the Irrevocable Documentary Credit and Amendment to Documentary Credit through your Internet Banking Service? A. Yes, if have you registered the Client Trade Service, you can access the Service via our Commercial Internet Banking. You can open the Letter of Irrevocable Documentary Credit/Amendment under the Section of Client Trade after login to the system.     Q2. Can I enquire the inward or outward trade finance limits information through your Internet Banking? A. Yes.     Q3. Can I obtain the import and export documents and forms via your Internet Banking Service? A. Yes. If you have registered the "Trade Service" under your Commercial Internet Banking Account, you can then obtain the import and export forms via Internet. Interest Rate/Exchange Rate TOP Q1. Are the interest rate/exchange rate updated? A. From Monday 8:00 to Saturday 1:00 p.m.(except Dec 25 and Jan 1), the interest rate/exchange rate will be updated in every 5 minutes (outside this period, the latest data will be displayed). However, the interest rate/exchange rate is for reference only. You will be notified of the actual interest rate/exchange rate prior to your confirmation of every transaction requested. Message Box TOP Q1. How many messages can be stored in the Message Box? A. The message box can store messages for the past two months.     Q2. What kind of message can I see inside the Message Box? A. You can view the result of your scheduled transactions and the message from our Bank. Change Password TOP Q1. Is it a must to change my password? A. Yes, you are required to change your Password at the first time you login to the Internet Banking Service by using the new Password you received.     Q2. How do I change my Password? A. You can login to our Internet Banking Service, select 'Change of PIN', input your existing PIN, and new PIN, and then re-input the new PIN for confirmation. Your new PIN will be effective once the change is successfully processed.     Q3. Can I use special characters or symbols for my password? A. No, you can only use any combination of 8-12 alphanumeric characters for your password and the alphabets used are case sensitive. System TOP Q1. How can I use your Internet Banking Service? A: Switch on your PC. Connect to the Internet through the modem of your PC. Start your Internet Explorer, at the address field, type the following address, http://www.icbcasia.com, press ENTER to start connection. From the ICBC(Asia) homepage, click on the ICBC(Asia) Internet Banking icon to start using our Internet Banking Service. Wait for the browser to complete downloading our programs which includes our security modules. You see the word "Done" on the lower-left of the browser after the completion. Input your primary account number, user ID (for joint or business account user only) and password to login our Internet Banking Service.     Q2. What would be your recommended system set-up? A: A computer with Internet connection   PC with Pentium 166MHz or higher 64MB RAM or above Modem of 56 kbps or faster or broadband connections SVGA Monitor (minimum resolution 800 x 600 and 256 colour) Microsoft Windows 98/ME/2000/XP Operating System Microsoft Internet Explorer Version 5.5 or above is recommended Please ensure the browser supports Java, Java Script, SSL and Cookies enabled To set up Sun Java, please follow the Installation Guide.     Q3. How do I exit your Internet Banking Service? A: Click the 'Logout' on the navigation bar, on the left of the page, to exit our Internet Banking Service. Clear the cache and close all the instances of the browser. It is important to logout properly after you finish all your transactions.     Q4. What are "Cookies"? A: Cookies are pieces of information the web site store to your browser. It cannot retrieve any other data from your machine, pass on computer viruses, or capture your E-mail address.     Q5. I get the message "the page contain unsecured Active X control", "document contain no data"? What can I do? A: Try to enable the Cookies in your browser.     Q6. My browser does not response when I press the "confirm" button on the login page. What is it caused by? A: Your browser might not be JavaScript enable. Try to enable it.     Q7. When I use your Internet Banking Service, I get an error message stating that "Java are not enable", "JavaScript are not enable". What should I do? A: Your browser might not be JavaScript enable. Try to enable it.     Q8. How do I make my browser Java and JavaScript enable? A: Steps for Microsoft Internet Explorer 5.5 users. To enable "Java" and "JavaScript" for:   1.      Select "Tools" from the Menu bar 2.      Select "Internet Options" 3.      Click "Security" Tab 4.      Select "Internet" as a "Web content zone", 5.      Go to "Security level for this zone" section and select "Medium" 6.      Click "OK"     Q9. How do I enable Cookies in my browser? A: Steps for Microsoft Internet Explorer 5.5 users. To enable "Cookies":   1.      Select "Tools" from the Menu bar 2.      Select "Internet Options" 3.      Click "Security" tab 4.      Click "Custom Level" 5.      Choose "Enable" under Cookies. 6.      Click "OK"     Q10. How do I clear my browser's cache? A: For Microsoft Internet Explorer 5.5 users.   1.      Select "Tools" from the Menu bar 2.      Select "Internet Options" 3.      Click on the "General" tab. 4.      Click on the "Delete Files" button in the "Temporary Internet Files" section. 5.      Click on "OK" button.     Q11. Why do I get the message "Session disconnected, please relogin"? What should I do? A: The message is generated by our security module to prevent attacks and protect your interest. It might be caused by invalid double click the "GO" button or try to use the "Back" button to navigate our pages. You can resume our service by clicking the "Continue" button which leads you to the login page again.     Q12. What should I do if I do not get a response after clicking a hyperlink, a button or an icon? A: Several factors like heavy Internet traffic hours; speed of your- broadband, and our server workload may affect the speed of Internet access and the response of the site. If you encounter lengthy response, please wait while avoid repeatedly clicking on a particular hyperlink or button.     Q13. How can I check the version of my browser? A: If you are using Microsoft Internet Explorer   Click "Help" Select "About Internet Explorer"   You will see a page telling you the version of your browser.     Q14. How can I update or change the version of my browser? A: You can update or change your browser version by downloading the following recommend browsers: Internet Explorer.     Q15. Why do I get the message "Security Exception: Couldn't connect to with origin from file"? What should I do? A: There are several reasons for receiving such message. Probably, it might be caused by the Java Applet fails to launch properly. You need to install the Java Virtual Machine(JVM) onto your browser. The supported JVM version are Microsoft Virtual Machine (build 3805 or above) and Sun Java plug-in (JRE 1.3.x or above).     Q16. I am using Internet Explorer 5.5, when I click the submit button after I enter the information in the login page, I get the following message: "This page contains both secure and non secure items. Do you want to display the non secure items?" What should I do? A: Microsoft has confirmed this to be a problem in Internet Explorer 5.5. This problem was resolved in Internet Explorer version 5.5 Service Pack 2 and above version. You need to use Windows updates to upgrade your Internet Explorer to the latest version.     Q17. I have upgraded my Microsoft Internet Explorer version to 6.0, when I use your Internet Banking service, I do not get a response after clicking a button. What should I do? A: There are several reasons for this problem. One of the possibilities is Java Applet failed to launch properly. You need to install the Java Virtual Machine onto your browser.     Q18. I am using Microsoft Internet Explorer version 6.0, when I use your Internet Banking service, I see an "Install On Demand (Other)" message: "To display this page correctly, you need to download and install the following components: Java virtual machine", what should I do? A: You need to install Java virtual machine in order to use our Internet Banking properly.     Q19. I am using Microsoft Internet Explorer and JRE 1.3.1 (or JRE1.3.x). When I try to login your Internet Banking Service, I see an error message: "Please wait until the page finish loading.", what should I do? A: You need to upgrade your Sun Java JRE in order to use our Internet Banking properly.     Q20. I take a long time to get into your site. Is there a solution for this? A: Factors like traffic, quality of telephone line, speed and quality of modem, server capacity may affect the speed of Internet access and the response of the site. If you encounter slow response at our site, please check if there is a similar problem at another site. If you have any problem, you can contact us at (852) 218 95588.     Security TOP How well is my information being protected with your Internet Banking Service? The system is equipped with network security features. It includes SSL (Secure Sockets Layer) with end-to-end encryption and Firewalls protection. Your input is encrypted by the end-to-end encryption within your browser before it is sent to our bank through the SSL channel to prevent unauthorized parties to read it. Our Bank employs Public Key Infrastructure (PKI) technology to ensure security of Internet transactions and your personal data. The advanced technology utilizes the Hong Kong Post/Digi-sign Certification Services Limited digital certificate (i.e. e-Cert / ICBC (Asia) USB–Shield), which includes a public key and private key to authenticate unique user. Our Bank currently accepts both digital certificates issued by Hong Kong Post (for personal and company customers) and Digi-sign Certification Services Limited (for company customer only). The e-Cert provides you with a unique identification and secure authentication. You are recommended to use e-Cert for conducting transactions of Internet Banking. For your further protection, our Bank will only accept non-duplicable private key stored in a secure media. Other than e-Cert, you can also use the SMS password as the two-factor authentication authorization for performing transactions via Internet Banking Services. (SMS password authentication is not applicable for Joint Account and Company customers). Identification of User ID and password with enforced change of password upon the first login. Automatic logoff after 15 minutes of inactivity of your Internet Banking Services. Service is suspended if 4 consecutive invalid password is entered.   For your maximum protection, we would like to remind you to take the following precautionary measures to prevent the fraudulent use of the password or unauthorized disclosure. Install up-to-date virus protection software and personal firewalls, keep the virus definition/signature up-to-date, to ensure you have adequate protection to your personal computers. Do not install software or open email attachments from unknown sources. Do not access the Bank's website through hyperlinks embedded in e-mails. Verify the validity of digital certificate of Internet Banking server. Change your initial password when you first access Internet Banking Service. Change your password periodically. Keep your password confidential at all times. Do not disclose your password to any other person or allow anyone else to use your password, including Bank's employee. Please destroy the original printed copy of the password. Do not write down or record the password in any form recognizable as password. Do not send the password via e-mail. Do not use your identity card number, telephone number, birthday or recognizable part of the name as your password. Do not use the same user name and password for your Internet bank accounts and for access to other services (for example, for connection to the internet or accessing other web sites). Use combination of numbers and alphabets, upper and lower case for your password if possible. Log out the Internet Banking Service and clear the browser cache after your have completed your banking activities. You should not leave a session unattended at any time. Ensure the personal computer is not left unattended whilst the service are in use. You are reminded to remove the secure media storing the digital certificate from your PC after use. Ensure proper physical access controls for your personal computer and Internet connections. Do not access the Internet Banking service from public personal computers (e.g. cyber cafes). When you use the SMS for authorization of unregistered funds transfer, you are reminded to review the accuracy of the transaction details shown on the SMS message you received prior to entering the one-time-password. You should provide a valid mobile phone and contact numbers for notification purpose and notify the Bank timely if any of these numbers are changed. Review regularly and follow security tips published by the Hong Kong Association of Banks, the Consumer Council, the Hong Kong Police Force, the Hong Kong Monetary Authority, the Securities and Futures Commission or the Information Technology Services Department.   If you suspect there are unauthorized transactions in your account, immediately contact our Bank via the Customer Service Hotline on 218 95588 or any of our branches. More on Security -- Your Roles and Responsibilities: Q1. How should I take care of my password? A: You should note the following points in taking care of your password:   Do not disclose your password or account number to anyone. Do not allow anybody else to use your password. Do not write down or record the password without disguise. Do not use your Hong Kong Identity Card number, telephone number or date of birth etc. as your password. Use a password that is difficult to guess. Change your password regularly, the length of password can be from 8 to 12 alphanumeric characters.     Q2. May I save my User ID and password so that I do not need to enter them every time I login? A: To provide you with better protection, this service is not allowed.     Q3. Can I exit by closing the browser window? A: We suggest that you logout properly. It is because the service is still available if it is not logged off properly.     Q4. Do we need encryption? A: Encryption refers to the scrambling of data to prevent unauthorized parties reading the original text message. Authorized parties can however unscramble (decrypt) the message and restore it into the original text message. The encryption and decryption functions are based on complex mathematical theories.     Q5. Why do we need end-to-end encryption in addition to SSL? A: SSL treats transaction data and password in the same way while end-to-end encryption can handle the password in different way so that your password can enjoy the highest protection. End-to-end encryption enables the encryption of information at its origin and decryption at its intended destination without any intermediate decryption.     Q6. How can I know that my browser is SSL-enable? A: If there is a "closed" lock at the bottom of your browser, it is SSL-enable.     Q7. How to enable SSL in my browser? A: Generally speaking, you can enable SSL 2.0 and 3.0 in the security settings of internet browser. For example, in case of Microsoft Internet Explorer 8.0, you can follow the procedure below:   1.      Select "Tools" from the Menu bar 2.      Select "Internet Options" 3.      Click on the "Advanced" tab 4.      Choose "Security" and enable SSL 2.0 and SSL 3.0. 5.      Click "OK"     Q8. How can I make sure that the web pages of the Internet Banking I am currently browsing really come from your Bank? A: When you reach the login page that requires you to enter ICBC(Asia) Internet Banking Account Number, User ID where applicable and Password, for security purpose, you can click the small icons of a lock or a key at the bottom of your browser. A certificate windows will be displayed telling you the owner of the web page you are currently browsing, you can then verify if the current web page belongs to ICBC(Asia).     Q9. What should I be aware while using the Internet Banking Service? A: In order to protect your interest in enjoying our service, you are highly recommended not to use the "Back"/"Reload" button, minimize, maximize or resize the browser. If you do that, our security module might disconnect the session.     Q10. How do I secure my personal computer if I have static internet connection? A: You are recommended to install the most up-to-date anti-virus software and update the software with virus signature regularly. For maximum protection, we also advise you to install personal firewall software to protect your personal computers against intrusion via the Internet. You are recommended to discuss with reputable information security professionals and software vendors to select the best suit security protection software. For your general reference purpose only, you may like to consider the following anti-virus and personal firewall software: Symantec Corporation McAfee Trend Micro Inc. F-Secure Corp. It is noted that different security software products might have different strength and weaknesses in different protection scenarios. You are always reminded to alert to different security vulnerabilities and exposures and patch the software promptly.     Q11. What should I do if I suspect there are unauthorized transactions in my account? A: Immediately contact our Bank via the Customer Service Hotline on 218 95588 or any of our branches. Contact Us TOP Q1. What can I do if I have any problems or enquiry when using your Internet Banking Service? A: You can contact our Bank via the Customer Service Hotline on 218 95588 during office hours or any of our branches.     Q2. Can I e-mail to your Bank if I have problems or enquiry about your Internet Banking Service? A: You can access our e-mail address enquiry@icbcasia.com which allows you to communicate with us electronically.