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It is because you need to change your password with the regenerated password via Personal Internet Banking. After that, you can enter the Mobile Banking Service with the new password.

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Most of the smart phone models in current market are supported by our Mobile Banking.

Recommended operation systems, mobile brands/models:

- Apple iOS 4.3.3 or above: iPhoneĦAiPod Touch, etc.
- Android OS 2.2 or above: Samsung Galaxy,HTC Legend, etc.
- BlackBerry OS 4.5 or above: BlackBerry 9800, etc.

The above specifications are for reference only.

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No. Our Mobile Banking Service is supported by all Telecom Service Providers. However, please take note on the overseas data usage plan.

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No. Our Mobile Banking Service is free of charge except some specified transactions such as Telegraphic Transfer and CHATS.

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Our Mobile Banking supports English, Traditional Chinese and Simplified Chinese.

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Our services are available in the following hours:
- Enquiry Service: 24 hours per day
- Securities Trading Service: 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.

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Yes, you can transfer CNY to other bank accounts in Mainland China via CNY Telegraphic Transfer. However, at this moment, this service is only applicable for personal CNY account holders and the beneficiaries with CNY accounts registered in our internet banking.

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Yes, you need to register the beneficiary accounts if you want to perform fund transfer to other overseas banks through our Mobile Banking service.

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Yes, corresponding fee and charges are levied on your designated payment account automatically.

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For Telegraphic Transfer of all currencies except CAD and CNY, the service is available from 9:30a.m. to 3:00p.m., Monday to Friday. For Telegraphic Transfer of CAD and CNY, the service is available from 9:30a.m. to 2:00p.m., Monday to Friday.

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The remittance amount, corresponding fees and charges will be debited from your account immediately. However, the time for payee to receive money will depend on the processing time of the corresponding bank.

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No, it is not necessary. After you have selected the types of currency remitted, the relevant exchange rate and equivalent HKD amount will be shown in the next page for your confirmation before proceeding.

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Yes, you need to open a CNY Account beforehand. It is because the remittance amount must be debited from the remitter's CNY account.

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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 the same as the beneficiary.

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You can pre-register a maximum of ninety-nine beneficiary accounts in the Mobile Banking Package for transfer funds overseas.

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Yes, you need to register the beneficiary accounts at branches.

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Yes, the corresponding charges are levied on your designated payment account automatically.

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For HKD & USD via CHATS, the service is available from 9:30a.m. to 5:00p.m., Monday to Friday. For Euro and CNY via CHATS, the service is available from 9:30a.m. to 4:00p.m., Monday to Friday.

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The remittance amount and fees will be debited from your account immediately and the beneficiary will receive the money on the same day.

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Electronic Clearing is available from 9:00a.m. to 10:00p.m., Monday to Friday (except public holidays). Instruction accepted before cutoff time, funds will be credited to the recipient's account by the end of the day, subject to the recipient bank's arrangement. Otherwise, funds will be credited to the recipient account on the next day, subject to the recipient bank's arrangement. (Cutoff time: Mon - Fri 2p.m. Instruction received after Fri 2p.m. would be executed on the next Mon)

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To make the Mobile Banking design more user-friendly, accounts are displayed with the specified pattern (for English Version):
"Currency (combination of three alphabets) + one space + Account Type (first three alphanumeric characters and the last alphabets) + Account No. (nine digits) + ** (Two Star Signs)"

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The users can describe the transaction via "Message" and such message will be displayed in the transaction Confirmation Page and Acknowledgment Page.
"Message" only accepts letters, numbers, symbols (. ( + ) - / , ?: ') and spaces.

To make the Remittance Services more flexible, there are special display patterns and fill in methods of "Message" for the transactions of Electronic Clearing, CHATS, Telegraphic Transfer.

i) If the "Message" has been registered in internet banking, it will not be shown on Input Page but you can find the registered Message in both Confirmation Page and Acknowledgment Page. If you do not want to show the registered messages, you can input a "space" in the "Message" box instead; if you want to show new messages, you can enter new message in "Message" box instead.

ii) For the non-registered Message, you can type the messages you want in "Message" box on Input Page so that the message will be shown on both Confirmation Page and Acknowledgment Page.

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Yes, you can enquire the transaction activities up to last 60 days for your accounts registered in the Mobile Banking Package. However, Time Deposit Account and Planned Savings Account are exception.

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"Log Query" only shows the transactions performed via mobile banking. You can view the account details through "My Deposit Details"

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Pre-registration of bill payments with our Bank is not necessary.

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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.

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It is not necessary to download the iPhone app again to use the new bill payment services. For customers who are either using our iPhone apps or using smartphone web browser to log in our Mobile Banking, the new bill payment services will be displayed automatically.