Frequently Asked Questions - Commercial Internet Banking

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    1. How can I transfer fund to non-registered accounts in Commercial Internet Banking?

      If you would like to transfer fund to non-register accounts in Commercial Internet Banking. Please visit our branch for processing or fill in the form. Please send the filled form to our branch for processing. For branch details, please visit here.
    2. How can I transfer fund from Mainland to ICBC(Asia) account?

      If you would like to enquire the detail for remittance in Mainland China, please contact ICBC. Please contact the 24-hour Customer Services Hotline on (86-10) 95588 or visit the following website :-
      http://www.icbc.com.cn/ICBC/help/contact%20us/
      1. How can I open an Investment Account?

        You can also visit our branch for processing. For branch details, please visit here
        If you want to enquire for the service charges for trading, please click here.
      2. How can I change my contact information such as Phone number, Address and Email Address?

        If you would like to change your contact information, please visit our branch for processing or please fill in the following form :- http://www.icbcasia.com/eng/etool/forms/125-0104G.pdf Please send the form to the ICBC(Asia) branch where your account was opened. For branch details, please visit here
      1. What is the Internet Banking Service offered by your Bank?

        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.
      2. What are the services available from your Internet Banking Service?

        Internet Banking Service offers you the following services

        • Account Services
        • Payment
        • Account Maintenance
        • Rates Enquiry
        • Message Box
        • Investment Services
        • Credit Card Services
        • Remittance Services
        • etc.
      3. Are the services available 24 hours?

        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.
      4. Can I access the services when I'm overseas?

        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.
      5. Do I need to pay for using your Internet Banking Service?

        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. Please refer to the “Service Charges Table” for details. (Links to http://www.icbcasia.com/eng/etool/charges/charge.shtml)
      6. Can I get any discount on the normal handling charges by using your Internet Banking Service?

        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.
      7. Should I pay any additional charge for the bill payment services?

        No, it is free.
      8. What language can be chosen in your Internet Banking Service?

        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.
      9. How many accounts can be pre-registered in the Internet Banking Package?

        You can apply the account registration function upon services application over the counter. 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.
      1. What do I need to do before using your Internet Banking Service?

        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.
      2. Do I need to register the accounts before I can operate them in your Internet Banking Service?

        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 in our any branch too.
      3. Are authorized users of business account given separate User ID and Password for your Internet Banking Service?

        Yes, each authorized user of business account is given a separate User ID and Password upon application at branch.
      1. What are the transaction limits in your Internet Banking Service?

        Please click here for details.
      2. What are the cut-off time and value dates for the transactions performed in your Internet Banking Service?

        For transferring funds within the Bank, the transaction made after cut-off time (i.e. 7:30 p.m. from Monday to Friday and 5:30 p.m. on Saturday) will be valued on the next business day. 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 transferring funds outside the Bank, the service hours are as follows: Via Electronic Clearing (E/C): Monday-Friday: 9:00a.m. to 10:00p.m. Saturday, Sunday and Public Holidays: No Service.

        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)

        Via CHATS: Accept instruction 24 hours. However, instruction could only be executed on next business day beyond the time period described below.

        HKD: Monday-Friday: 9:30a.m. to 5:00p.m.
        Saturday: No Service.
        USD: Monday-Friday: 9:30a.m. to 5:00p.m.
        Saturday: No Service.
        EUR: Monday-Friday: 9:30a.m. to 4:00p.m.
        Saturday: No Service.
        CNY: Monday-Friday: 9:30a.m. to 4:00p.m.
        Saturday: No Service.


        Via Telegraphic Transfer (T/T): Accept instruction 24 hours. However, instruction could only be executed on next business day beyond the time period described below.

        T/T with CAD and CNY: Monday-Friday: 9:30a.m. to 2:00p.m. Saturday: No Service. T/T with other currencies: Monday-Friday: 9:30a.m. to 3:00p.m. Saturday: No Service.

        Transactions not involving foreign exchange made after the cut-off time will be valued on the next business day.

        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.

        For time deposit, the service hour is available from 9:00a.m. to 6:00p.m., Monday to Friday (except public holidays).
      3. When should I re-input my PIN or e-Cert Password for confirmation of the transactions performed through your Internet Banking Service?

        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
        Business Account
        (Authorization)
        Transfer Fund Within Our Bank (Non-registered account)
        PIN
        Transfer Fund Within Our Bank (Pre-registered account)
        Password Token/Digi Cert password *
        Transfer Fund To Other Bank (Pre-registered account)
        Password Token/Digi Cert password *
        Transfer Fund To Other Bank (Non-registered account)
        Password Token/Digi Cert password *
        Buy/Sell Currency
        PIN
        Set Up Time Deposit, Renew/Uplift Time Deposit, Place Maturity Instruction
        Password Token/Digi Cert password *
        Renew/Uplift Time Deposit, Place Maturity Instruction related to Non-registered account
        Password Token/Digi Cert password *
        Cashier's Order (by mail or collected by Account holder / authorized signer)
        PIN
        Cashier's Order (collected by authorized person)
        Password Token / Digi Cert password *
        Demand Draft (collected by authorized person)
        PIN
        Demand Draft (by mail or collected by Account holder / authorized signer)
        Password Token/Digi Cert password *
        Bill Payment (Other Credit Card and Finance Payment)
        N/A
        Bill Payment (Our Bank Credit Card Payment)
        N/A
        Standing Instruction Application
        Password Token/Digi Cert password *
        ATM Card Application
        N/A
        Trade Finance Services
        Password Token/Digi Cert password *


        * Only accept the Digi-Sign / ICBC (Asia) USB–Shield issued by Digi-sign Certification Services Limited.
      4. How do I know my transaction is completed?

        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.
      5. How do I know whether my instructions have been accepted or not, in case there is communication interruption?

        You can check your account balances and account activities ensuring that the transactions has been accepted.
      6. How to reissue or reset the password if I forget my password?

        If you would like to reissue the Internet Banking password, please visit our branch for processing or fill in the following form :
        - Commercial Internet Banking Service Special Instruction Form
        Please send the filled form to the ICBC(Asia) branch where your account was opened.
      7. How can I suspend my Internet Banking Service?

        You can contact any of our branches or call Customer Service Hotline on 218 95588 for suspension of Internet Banking Service.
      8. I have suspended my Internet Banking Service. How can I resume operation of the service?

        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.
      1. Can I enquire the balances of all my ICBC(Asia) accounts through your Internet Banking Service?

        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.
      2. Are all the balances shown being up-to-date?

        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.
      1. Can I enquire my account activities through your Internet Banking Service?

        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.
      1. What is "Online Account Opening"?

        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)
      2. Is "Online Account Opening" applicable to any customers?

        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.
      3. What are the service hours for "Online Account Opening"?

        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.
      1. What are the different types of funds transfer available?

        Two types of funds transfer are available to you through our Internet Banking Service: Same Party Account Transfer Pre-registered Third Party Account Transfer
      2. What are the transaction limits in your Internet Banking Service?

        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

        - RMB accounts for non-Hong Kong residents do not have limitation. Please note that CNY transfer has to meet the regulatory requirements for the beneficiary bank country. If not, it may cause a refund and leads to other charges.
        Total daily limit:
        HKD20,000,000 **

        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
        HKD2,000,000 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)
        HKD100,000 * HKD500,000 *
        Tax Payment HKD500,000 * HKD3,000,000 *
        White Form eIPO Online Payment HKD4,000,000 * N/A
        Currency Exchange
        • Between HKD and USD
        • HK500,000,000 or its equivalent
        • HKD500,000,000 or its equivalent
        • Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD
        • HKD50,000,000 or its equivalent
        • HKD50,000,000 or its equivalent
        • Between HKD and SGD
        • HKD50,000,000 and its equivalent
        • HKD50,000,000 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.
        *** The limits are shared between Internet Banking and Mobile Banking.
        **** Please note that this limit will be reset to “Zero” if you have not performed a fund transfer to a non-registered 3rd party account via Internet Bankign for 12 months. To reset the related transfer limit, please visit any of our branches.
      3. What are the service hours for the function of fund transfer?

        Please refer to our service hours (links to Account Operation, Question 2)
      4. Can I preset a scheduled transfer?

        Yes, you can make your scheduled transfer 90 calendar days ahead of time and the effective date must be a bank business day.
      5. Can I delete a scheduled transfer?

        Yes, you can delete your scheduled transfer anytime online before the effective date.
      6. Can I make any amendments to the scheduled transfer?

        This is not available at the moment. You can delete your scheduled transfer anytime online before the effective date.
      1. Can I transfer funds to other banks in Hong Kong through your Internet Banking Service?

        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.
      2. Do I need to pre-register the beneficiary accounts for fund transfer by Electronic Clearing through your Internet Banking Service?

        Yes, you need to register the beneficiary accounts for fund transfer by Electronic Clearing through our Internet Banking Service at branch. If you have registered two-factor authentication as authorization method, you need not to pre-register any beneficiary account for transferring funds to other local banks.
      3. How many beneficiary accounts can be pre-registered for fund transfer to other banks in Hong Kong through your Internet Banking Service?

        There is no limit of pre-registered beneficiary accounts in the Internet Banking for transferring funds.to other banks in Hong Kong (including transfer by CHATS and Electronic Clearing).
      4. What is the maximum amount that I can transfer by Electronic Clearing? Please refer to the limits table. (links to Account Operations, Question 1)

        Please refer to the limits table. (links to Account Operations, Question 1)
      5. Is there any service charge involved in transfer by Electronic Clearing through your Internet Banking Service?

        No, this service is free of charge.
      6. What are the service hours for the function of Electronic Clearing?

        Please refer to our service hours (links to Account Operation, Question 2)
      7. When will the beneficiary receive the money if I perform an Electronic Clearing Instruction today?

        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)
      8. Can I preset a scheduled Electronic Clearing Instruction?
        Yes, you can preset your scheduled Electronic Clearing Instruction 90 calendar days ahead of time and the effective date must be a bank business day.
      9. Can I delete a scheduled instruction?
        Yes, you can delete your scheduled instruction anytime online before the effective date.
      10. Can I make any amendments to the scheduled Electronic Clearing Instruction?
        This is not available at the moment. You can delete your scheduled instruction anytime online before the effective date.
      11. Do I need to have sufficient fund in my account when I make a scheduled Electronic Clearing Instruction?
        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.
      12. How do I know the result of my scheduled Electronic Clearing Instruction?
        You can check whether the transaction has been accepted or rejected in Transfer/Remittance Instruction Enquiry under Fund Transfer and Remittance on the execution date.
      1. Can I transfer funds to other banks in Hong Kong through your Internet Banking Service?

        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.
      2. Do I need to pre-register the beneficiary accounts for fund transfer by CHATS through your Internet Banking Service?

        Yes, you need to register the beneficiary accounts for fund transfer by CHATS through our Internet Banking Service at branch. If you have registered two-factor authentication as authorization method, you need not to pre-register any beneficiary account for transferring funds to other local banks.
      3. How many beneficiary accounts can be pre-registered for fund transfer to other banks in Hong Kong through your Internet Banking Service?

        There is no limit of pre-registered beneficiary accounts in the Internet Banking for transferring funds to other banks in Hong Kong (including transfer by CHATS and Electronic Clearing).
      4. What is the maximum amount that I can transfer by CHATS?

        Please refer to the limits table. (links to Account Operations, Question 1)
      5. Is there any service charge involved in transfer by CHATS through your Internet Banking Service?

        Yes, charges are levied on your designated payment account by system automatically. Please refer to the “Service Charges Table” for details.
      6. What are the service hours for the function of CHATS?

        Please refer to our service hours (links to Account Operation, Question 2)
      7. When will the beneficiary receive the money if I perform a CHATS transfer today?

        The remittance amount and fees will be debited from your account immediately and the beneficiary will receive the money on the same day.
      8. Can I preset a scheduled transfer for CHATS?

        Yes, you can preset your scheduled transfer through CHATS 90 calendar days ahead of time and the effective date must be a bank business day exclusive of Saturday for USD/EUR transfer.
      9. Can I delete a scheduled transfer for CHATS?

        Yes, you can delete your scheduled transfer for CHATS anytime online before the effective date.
      10. Can I make any amendments to the scheduled transfer for CHATS?

        This is not available at the moment. You can delete your scheduled transfer for CHATS anytime online before the effective date.
      11. Do I need to have sufficient fund in my account when I make a scheduled transfer for CHATS?

        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.
      12. How do I know the result of my scheduled transfer for CHATS?

        You can check whether the transaction has been accepted or rejected in Transfer/Remittance Instruction Enquiry under Fund Transfer and Remittance on the execution date.
      1. Can I transfer funds overseas through your Internet Banking Service?

        Yes, you can transfer funds overseas by Telegraphic Transfer through our Internet Banking Service.
      2. 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.
      3. Do I need to pre-register the beneficiary accounts for fund transfer to other banks overseas?

        Yes, you need to register the beneficiary accounts if you want to perform fund transfer to other banks overseas through our Internet Banking service. If you have registered two-factor authentication as authorization method, you need not to pre-register any beneficiary account for transferring funds to other banks overseas.
      4. Do I need to pre-register the beneficiary accounts for transferring Renminbi to other banking accounts in China?

        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. If you have registered two-factor authentication as authorization method, you need not to pre-register any beneficiary account for transferring funds to other banks in China.
      5. How many beneficiary accounts can be pre-registered for fund transfer to other banks overseas through your Internet Banking Service?

        There is no limit of pre-registered beneficiary accounts in the Internet Banking for transferring funds overseas.
      6. What is the maximum amount that I can transfer by Telegraphic Transfer?

        Please refer to the limits table. (links to Account Operations, Question 1)
      7. Is there any service charge or corresponding fee involved in Telegraphic Transfer through your Internet Banking Service?

        Yes, corresponding fee and charges are levied on your designated payment account by system automatically. Please refer to the “Service Charges Table” for details.
      8. What are the service hours for the function of Telegraphic Transfer?

        You can choose our Post-dated Transaction Notification service. SMS/Email notification will be sent to you once the Posted-dated Transaction has been executed.

        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.
      9. Do I need to open a multi currencies account beforehand?

        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.
      10. Do I need to open a Renminbi account beforehand for performing CNY Telephic Transfer via Personal Internet Banking Services?

        Yes, you need to open a CNY Account beforehand. It is because the remittance amount must be debited from the remitter's CNY Account.
      11. Can I preset a scheduled Telegraphic Transfer?

        Yes, you can preset your scheduled Telegraphic Transfer in same currency 90 calendar days ahead of time and the effective date must be a bank business day exclusive of Saturday.
      12. Can I delete a scheduled Telegraphic Transfer?

        Yes, you can delete your scheduled Telegraphic Transfer anytime online before the effective date.
      13. Can I make any amendments to the scheduled Telegraphic Transfer?

        This is not available at the moment. You can delete your scheduled Telegraphic Transfer anytime online before the effective date.
      14. Do I need to have sufficient fund in my account when I make a scheduled Telegraphic Transfer?

        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.
      15. How do I know the result of my scheduled Telegraphic Transfer?

        You can check whether the transaction has been accepted or rejected in Transfer/Remittance Instruction Enquiry under Fund Transfer and Remittance on the execution date.
      1. What is the remittance information of ICBC(Asia)?

        1) SWIFT code : UBHKHKHH
        2) Bank name(Chinese) : 中國工商銀行(亞洲)有限公司
        3) Bank name(English) : Industrial and Commercial Bank of China (Asia) Limited
        4) Bank address(Chinese) : 香港中環花園道3號, 中國工商銀行大廈33樓
        5) Bank address(English) : 33/F, ICBC Tower, 3 Garden Road, Central, Hong Kong
        6) Bank code : 072
        7) Bank account : your bank account
      2. How can I register other bank accounts for fund transfer?

        If you would like to register other bank accounts for fund transfer, please visit our branch for processing or please fill in form.
        Please send the filled form to our branch for processing. For branch details, please visit here
      3. What is "ICBC Remittance" Service?
        "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
      4. Could you provide the service details of the transfer/remittance servcies, including transaction limit, service hour and service charge, etc?

        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 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 hours:
        Monday 9:00am to 3:00pm (2:00pm for CNY and CAD)
        Tuesday to Friday 0:00am to 3:00pm (2:00pm for CNY and CAD)
        Accept instruction 24 hours Accept instruction 24 hours 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

      5. Do I need to pre-register the beneficiary accounts for transferring Renminbi to ICBC bank accounts in China?
        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 open a CNY account (only applicable for Hong Kong Identity Card Holder)

      1. What is the standing instruction service in the Internet Banking about?

        The standing instruction in Internet Banking is enhancement for the periodic fund transfer/remittance service. After the standing instructions have been set up, our bank will carry out the fund transfer to your own account in the Internet Banking or the registered third party account according to the frequency and the period you specify.
      2. How is a standing instruction stopped in the Internet Banking?

        A standing instruction in the Internet Banking can be stopped after an expiry day or manually stopped if “until further notice” is chosen.
      3. How can I enquire the details of a standing instruction through the Internet Banking?

        You can enquire an existing standing instruction using the menu item of “My Standing Instruction” in the Internet Banking.
      4. Can the bank notify me each time when the standing instruction has been carried out?

        Yes. You can specify an email address or the Inbox message of the Internet Banking to receive notifications each time when the standing instruction has been carried out. You can also choose to stop receiving the notifications anytime.
      5. Are there charges when I set up a standing instruction in the Internet Banking?

        We have setup service charge when a standing is setup via the Internet Banking. It is now free of setup charge as the Internet Banking Standing Instruction service is undergoing a promotion campaign.
      6. What frequency can a standing instruction be carried out in?

        A standing instruction can be carried out daily, weekly, monthly, or by month end. For standing instructions carried out daily, weekly and monthly, if the payment day falls on a non-banking business day, the standing instruction will be postponed to the following banking business day. For standing instructions ordered on month-end, if the day of the month end falls on a non-banking business day, the standing instruction will be carried out on the last banking business day of that month.
      7. What is the business day and business hours for the standing instruction service in the Internet banking of your bank?

        Our bank will carry out your standing instructions on the business day of the bank. The business day and office hours are as follows:
        1. Fund transfer within the bank
        (1) fund transfer not involving exchange: all calendar days.
        (2) fund transfer involving exchange: Monday 8:00 a.m. to Saturday 1:00 p.m (Except for December 25 and January 1).
        2. Electronic clearing
        Saturday, Sunday and public holidays: not open for businessMonday to Friday: 24 hours.
        3. CHATS
        HKD and USD: Monday to Friday: 9:00a.m. - 5:00p.m. (except for Saturday, Sunday and public holidays)
        EUR and CNY: Monday to Friday: 9:00a.m. - 4:00p.m. (except for Saturday, Sunday and public holidays)
        4. Telegraphic Transfer (T/T):
        HKD and USD: Monday to Friday: 9:00a.m. - 5:00p.m. (except for Saturday, Sunday and public holidays)
        CNY: Monday to Friday: 9:00a.m. - 2:30p.m. (except for Saturday, Sunday and public holidays)
        Other currencies: Monday to Friday: 9:00a.m. - 3:00p.m. (except for Saturday, Sunday and public holidays)
        5. ICBC Express:
        HKD and USD: Monday to Friday: 9:00a.m. - 5:00p.m. (except for Saturday, Sunday and public holidays)
      8. Can I setup a standing instruction of remittance in RMB to my account with a bank in Mainland China?

        Yes. Please be reminded that the remittance shall be in compliance with all applicable regulations , rules and laws in Mainland China. Otherwise, the receiving bank may return the remittance and additional charges may be incurred. In addition, crediting the ordered amounts to the beneficiary account is subject to the receiving bank's arrangements.
      1. Do I need a Password Token or USB-Shield while registering for a Third-Party Account?
        As registering a Third-Party Account is a high-risk transaction, a Password Token or USB-Shield will be required. However, a Password Token or USB-Shield will not be needed to delete a registered third-party account.
      2. How can I register for a Third-Party Account?
        Customers should fill out a Commercial Internet Banking Service Amendment Form or Commercial Internet Banking Service Supplementary Form. From the authorization setting section, customers can choose “new”, “non-financial transactions” and “register third-party account.” Once approved, customers can complete the registration using Internet Banking, and do not have to visit a branch.
      3. How can I register for an ICBC (Asia) account?
        You can register an ICBC (Asia) account by clicking on the “Fund Transfer and Remittance” tab, then “Register third-party account”, and “Account of ICBC (Asia)”. After filling out the beneficiary account no., part of the A/C Name of Beneficiary will be masked. Fill out the 4 letters that represent the masked information of English name of the at “please enter the English name of the above payee****”. Registration will be completed only after the completion of daily maximum limit for funds transfer, the submission of transaction request and authorization, and by logging out and restarting Internet Banking.
      4. How long does it take to register for other local bank account, overseas account, and ICBC EXPRESS?
        If the accounts are applied and authorized during Mondays to Fridays (except public holidays) from 08:00 to 16:00, the accounts can be activated on the next business day, as opening accounts require information to be processed manually. For hours not specified above, the accounts will be activated in two business days.
    1. What are the transaction limit in your Internet Banking Service?

      Please refer to the limits table. (links to Account Operations, Question 1)
    2. What are the service hours for the functions of buy/sell Currency?

      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.
      1. Is it necessary to open a time-deposit account before making a time deposit with the Bank through Internet Banking Service?

        Yes, you should have opened a Time Deposit Account before making a time deposit with the Bank through Internet Banking Service.
      2. What are the different types of Time Deposits that I can process through your Internet Banking Service?

        You can set up Regular Hong Kong Dollar, Renminbi and Foreign Currency Time Deposit through our Internet Banking Service.
      3. What are the minimum deposit amounts of setting up Time Deposit?

        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.
      4. What are the service hours for setting up Time Deposit?

        Please refer to our service hours (links to Account Operation, Question 2)
      1. Is it necessary to open a time-deposit account before making a time deposit with the Bank through Internet Banking Service?

        Yes, you should have opened a Time Deposit Account before making a time deposit with the Bank through Internet Banking Service.
      2. What are the different types of Time Deposits that I can process through your Internet Banking Service?

        You can set up Regular Hong Kong Dollar, Renminbi and Foreign Currency Time Deposit through our Internet Banking Service.
      3. What are the minimum deposit amounts of setting up Time Deposit?

        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.
      4. What are the service hours for setting up Time Deposit?

        Please refer to our service hours (links to Account Operation, Question 2)
      1. Is there any limitation for requesting cheque book?

        Yes, one request per day with maximum of nine cheque books is allowed through the Internet Banking Service.
      2. How can I receive my ordered cheque book?

        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.
      1. Can I place stop payment instruction for my Current Account through your Internet Banking Service?

        Yes, you can place stop payment instruction for Current Account registered as Primary or Sub Account in the Internet Banking Package.
      2. Is there any service charge involved in the stop payment instruction through Internet Banking Service?

        Yes, a service charge for stop payment is levied on your current account by system automatically. Please refer to the “Service Charges Table” for details.
      3. What are the service hours for the function of stop cheque payment?

        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.
      1. Can I enquire about the status of my issued cheques through your Internet Banking Service?

        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.
      1. Can I raise an application for Cashier's Order through your Internet Banking Service?

        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.
      2. Is there any service charge involved in purchase of Cashier's Order through your Internet Banking Service?

        Yes, a service charge for stop payment is levied on your current account by system automatically. Please refer to the “Service Charges Table” for details.
      3. What are the service hours for the functions of application of Cashier's Order?

        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.
      4. How can I receive the issued Cashier's Order?

        You may collect the issued Cashier's Order at your designated branch in person or by registered mail to your correspondence address.
      5. When do I know the Cashier's Order is ready for designated branch for collection?

        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.
      1. Can I raise an application for Demand Draft through your Internet Banking Service?

        Yes, you can raise an application for demand draft anytime online and the payment amount and fees will be debited from your account immediately.
      2. What are the service hours for the functions of application of Demand Draft?

        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.
      3. Is there any service charge involved in purchase of Demand Draft through your Internet Banking Service?

        Yes, a service charge for stop payment is levied on your current account by system automatically. Please refer to the “Service Charges Table” for details.
      4. How can I receive the issued Demand Draft?

        You may collect the issued Demand Draft at your designated branch in person or by registered mail to your correspondence address.
      5. When do I know the Demand Draft is ready for designated branch for collection?

        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.
    1. Can I request a consolidated statement through your Internet Banking Service?

      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.
    2. Is there any limitation for requesting account statement?

      Yes, one request is allowed per day and the account statement will be mailed to you on next working day.
    1. What is eStatement service?

      You may receive your statement in electronic version via Commercial Internet Banking.
    2. Do I need to pay for using your eStatement service?

      No, the service is free.
    3. How to apply for this Service?

      You can apply for this service by visiting a branch to fill in an application form. You may also download and complete the registration form to us.
    4. What is e-Statement Email Alert? Is there any charge for the Email Alert service?

      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.
    5. I did not have my email address registered, can I apply for the e-Statement service?

      No. If you have not registered email address,
      please visit any of our branches to apply.
    6. Can I cancel e-Statement service?

      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.
    7. How does system process multiple Apply/cancel instructions from the same account statement on the same day?

      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.
    8. What is the format of my e-Statements?

      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.
    9. If I cannot read the Chinese characters inside the e-Statement, what should I do?

      If you cannot view Chinese fonts in the PDF file, please download and install the free Chinese Traditional Font Pack files from Adobe website.
    10. Can I request the Bank for a hardcopy of the account statement after retention period?

      Yes, you can visit any our branches to request for a copy of statement, but you have to pay the service charge.
    11. Would I close the Internet Banking Services after I have activated the e-Statement services?

      Under normal circumstances, you cannot close the Internet Banking Services if you have activated the e-Statement services. Otherwise, you cannot use the e-Statement services.
    12. Why I have received a letter/SMS from your bank to remind me about e-Statement changed to receiving paper statement via mail?

      Your Internet Banking account has not been activated, which may prevent you from accessing the e-Statement. With a view to ensuring that you will timely check the statement of your accounts, we would like to provide you the paper statement via mail until you have activated the Internet Banking account and applied for the e-Statement service. Please activate your Personal/Commercial Internet Banking account and apply for the e-Statement services via the following ways as soon as possible.
      1. With our ATM card number / Phone Banking account number / Credit card number and its password, click the「Register Now」at our website www.icbcasia.com and input your account information. You can immediately activate our Personal Internet Banking account by 4 simple steps; or
      2. Visit our branch for processing to activate Personal/Commercial Internet Banking account; or
      3. Download and submit the completed Personal/Commercial Internet Banking Services application form to our branch for processing;
      4. a) Personal e-Statement - After logging on our Internet Banking, please go to Other Services > e-Statement > Apply/Cancel e-Statement. The instruction will be effective from next statement.
      b) Commercial e-Statement - Download and submit the completed Commercial Internet Banking Services application form to visit our branch for processing.
      1. What is "ICBC(Asia) Messaging" Service?
        "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 to keep track of your account movements. The SMS and Email will be sent immediately when there is a movement in your account, including alert on account changes, below target balance notification, and above target balance notification.
      2. What types of alerts can I choose?
        You can choose three different types of alerts relating to account information, including:
        Name Alert Content
        1. Alert on Account Changes When there are changes in the account balance
        2. Below Target Balance Notification When account balance falls below the pre-set amount
        3. Above Target Balance Notification When account balance exceeds the pre-set amount
      1. Who can apply for this Service?
        Corporate customers can apply for this service by visiting a branch to fill out an ICBC(Asia) Messaging Application with authorization details. Customers should fill out a Commercial Internet Banking Service Amendment Form or Commercial Internet Banking Service Supplementary Form. From the authorization setting section, customers can choose “new”, “non-financial transactions” and “ICBC (Asia) Messaging Services.”
      2. How do I set up this Service?
        To set up this Service, please log onto the Commercial Internet Banking Services:
        - Select “ICBC Messaging” -> “Subscribe ICBC Messaging”
        - After choosing an alert type, click “Subscribe”
        - For first time users, please read and accept the Service’s Terms and Conditions
        - Select suitable alert items and setup related details (e.g. language, currency, reminder amount, service period, subscribe and payment account number etc.)
        - Input mobile phone number and / or Email address to receive the alert (maximum of 5 phone numbers and 5 email addresses)
        - After clicking “Subscribe,” use token for verification to complete the set up.
      3. When will the Service become effective after application?
        The Service will be effective immediately.
      4. What kind of alerts can I choose to receive?
        You can choose to receive only SMS alerts, only email alerts, or both SMS and email alerts.
      5. When I setup the alert items, why does the pull down menu only show some but not all of my accounts?
        Some of the "ICBC (Asia) Messaging" items only apply to particular account types. If you do not have the related accounts, you cannot setup those alert types.
      6. If my mobile phone service provider is not based in Hong Kong, can I register for the Service?
        Yes, but please note that there are different service charges for overseas SMS, please read the "Service Charges" section for details. In order 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 input the area code of 86 if you have a mobile phone number from Mainland China. Please make sure you provide a valid mobile phone number and area code, otherwise you will still be charged on the SMS which is sent to an invalid mobile phone number. Alternatively, you can select to receive the email alerts only.
      7. How many mobile phone numbers and emails can I input for every alert?
        You are allowed to input a maximum of 5 mobile phone numbers and 5 email addresses for every ICBC (Asia) Messaging alert. However, please be aware that you will be charged for 5 SMS if you have inputted 5 mobile phone numbers for an alert.
      8. I have clicked “subscribe” in Subscribe ICBC Messaging, why do I have to wait to be authorized?
        As some corporate accounts have different authorization limits, therefore your alert request must be accepted by the authorizer in order to be valid.
      1. What are the charges of the Service?
        Please refer to the “Service Charges Tables" for details.
      2. How does the Bank calculate the service charge?
        Corporate customers can receive up to 50 free SMS alerts per month, and email alerts will be free of charge. The Bank will count the SMS Alerts sent from the 1st calendar day of the month, and customer will not have to pay if the number of SMS Alerts sent within the month do not exceed the free quota. However, if the number of SMS Alerts sent within the month exceeds the free quota, customer will be charged with $1 for every extra local SMS, and $1.5 for every extra overseas SMS. However, if you do not terminate this service when the user of the registered mobile phone number is outside of Hong Kong, the alerts will continue to be sent, and all related fees, charges and expenses will be borne by the company or the holder of the company (including those of network service provider).
      3. When will the "ICBC (Asia) Messaging" service charge be debited from my settlement account?
        We will debit the service charge on the 5th day of each month. If it lies on a public holiday, the charge will be debited on the next working day.
      4. If I do not register for the Service on the first day of the month, when will I start to pay the service charge?
        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.
      5. If I have inputted 2 mobile phone numbers for an alert, will I be charged as 2 SMS when an alert is received?
        Yes, 2 separate SMS will be counted to your account and you will be charged accordingly.
      6. Will I be charged for any SMS Alerts that I did not actually receive?
        Yes, we will count all the chargeable SMS Alerts that were sent from us to calculate the service fee. Therefore, please ensure that your mobile phone number and email address are correct and keep us updated to receive the alerts successfully.
      7. If I suspend or terminate the Services before end of the month, do I still have to pay for the Service charge?
        This will depend on your SMS alert usage as 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.
      8. If my account does not have sufficient amount to pay the service charge of ICBC (Asia) Messaging Services, will I still receive the alerts?
        Yes. However, if customer fails to pay for the service charge, we have the right to suspend or terminate the use of this service without prior notice.
      1. When will I receive my alerts?
        ICBC (Asia) Messaging Services for Commercial Internet Banking will usually be sent out immediately. However, the alerts for some transactions, such as auto-pay, will be sent in the morning of the next business day.
      2. Under what conditions will I not be receiving an alert?
        If any of these below conditions occur, you will not receive SMS or email alerts:
        - Incorrect email address, or the mailbox is full
        - Incorrect mobile phone number (please note that you must input your area code if you have a foreign number)
        - The payment account for ICBC (Asia) Messaging Services has been terminated or there are insufficient funds. ICBC (Asia) has the right to stop or terminate the service without prior notice.
        - You have terminated the service
      1. How can I change the payment account for an ICBC (Asia) Messaging alert?
        Please log onto ICBC (Asia)’s Commercial Internet Banking and select “ICBC Messaging” -> “My ICBC Messaging.” Click “edit” on the selected ICBC (Asia) Messaging alert, and “modify account number for bill payment” on the edit page. All the fees incurred by the ICBC (Asia) Messaging Services usage from this company will be deducted from this updated account.
      2. How can I change the email address or mobile phone number for an ICBC (Asia) Messaging alert?
        Please log onto ICBC (Asia)’s Commercial Internet Banking and select “ICBC Messaging” -> “My ICBC Messaging.” Click “edit” on the selected ICBC (Asia) Messaging alert, and “change contact person and contact number” on the edit page.
      3. How can I edit or delete an ICBC (Asia) Messaging alert?
        Please log onto ICBC (Asia)’s Commercial Internet Banking and select “ICBC Messaging” -> “My ICBC Messaging” to inquire on all the ICBC (Asia) Messaging alerts that are currently in use. Click on “modify” or “terminate” to perform the selected function for a specific ICBC (Asia) Messaging alert.
      1. How can I terminate the ICBC (Asia) Messaging Services?
        If you would like to terminate the service, please log onto ICBC (Asia)’s Commercial Internet Banking and select “ICBC Messaging” -> “My ICBC Messaging”. Click on “terminate” to perform the selected function for all ICBC (Asia) Messaging alerts.
      2. If I had already terminated the ICBC (Asia) Messaging Services but would like to use the service again, what should I do?
        If you would like to use the ICBC (Asia) Messaging Services again, you must log onto ICBC (Asia)’s Commercial Internet Banking and set up the service again. Please refer to “Applying for ICBC (Asia) Messaging” on this FAQ.
      3. Will I be able to suspend the service temporarily and resume at a future date?
        Sorry, we currently do not support this function.
      1. What merchants can I pay for through your Internet Banking Service?

        You can pay to any of the Hong Kong 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. Click here to access JET PAYMENT webpage (select “Hong Kong Merchants”) to read the Internet Bill Payment Merchant List.
      2. Do I need to pre-register my bill account with your Bank before paying bills online?

        Pre-registration of your bill account with our Bank is not necessary.
      3. Can I settle my credit card bills of the Bank / other banks through your Internet Banking Service?

        Yes, you can pay bills of any of the credit card merchants listed on JET PAYMENT. Settling bills of unregistered credit card accounts is a high risk transaction which needs to use the two-factor authentication tool to complete the transactions. On the other hand, settling bills of registered credit card accounts does not require two-factor authentication tool for transactions. Click here to access JET PAYMENT webpage (select “Hong Kong Merchants” -> “Credit Card”) for the Internet Bill Payment Merchant List.
      4. What are the transaction limits for your Internet Banking Service?

        Please refer to the limits table.
      5. What are the service hours for the function of Bill Payment?

        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.
      6. Can I save my bill details as template for future use?

        Yes, you can save your bill details as template to facilitate future payment.
      7. Can I preset a scheduled payment?

        Yes, you can preset your scheduled payment 90 calendar days ahead of time and the effective date must be a bank business date.
      8. Can I delete a scheduled payment?

        Yes, you can delete your scheduled payment anytime online before the effective date.
      9. Can I make any amendments to a scheduled payment?

        This is not available at the moment. You can delete your scheduled payment anytime online before the effective date.
      10. Do I need to have sufficient fund in my account when I make a scheduled payment?

        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.
      11. How do I know the result of my scheduled payment?

        You can check whether the transaction has been accepted or rejected in the Scheduled Bill Payment Function on the execution date. Electronic Bill Presentment and Payment
      1. What is Securities Good Till Day order?

        Good Till Day order allows the customers to specify the date till(more than one trading day) which the order should stay in the system if not executed, the order will be sent to HKEX system before the expiry date. Customer can select the expiry date up to the fifth trading day while customers can make enquiry on the order which is classified as “Good till day order” in the system.
      2. Can all customers place Securities Good Till Day order?

        Securities Good Till Day order are only applicable to customers with Securities Cash Account, application is not required for the services.
      3. Which channel(s) can customers place a Good till day order?

        Internet Banking already provides the Good Till Day order services. The service is not available in Mobile Banking at the moment.
      4. When will the Good Till Day order be automatically cancelled?

        Good till orders may be rejected by HKEX (e.g. due to order price). Also, Good Till Date orders will be cancelled if the expiry date is across specified corporate action's ex-date of the stock.

        System will not send out the instruction again for the above conditions. Customers can check whether the order placed is successfully accepted during trading hours. Customer should maintain sufficient transaction amount in the account.
      5. What are the differences between Good Till Day order and other instruction?

        Good till day order has the following differences: 1. cannot place good till day order with derivatives product (like Warrants, CBBC). 2. If customer cancel the Good till date order after market close,will release the investable amount in the morning on next trading day.
      1. How can I apply for the Securities Margin Services of Commercial Internet Banking?
        Please visit any of our branches to apply for a Securities Margin Account and Commercial Internet Banking Services. You can use the services after successful application.
      2. If I already have a Securities Margin Account with ICBC(Asia), can I use the Commercial Internet Banking Securities Services immediately?
        No, you need to visit any of our branches to apply the Commercial Internet Banking Services. Or you can complete and return the “Commercial Internet Banking Service Application Form” or “Commercial Internet Banking Service Amendment Form” to the Bank before you can use the services.
      3. What are the service hours of Securities Margin Account transfer via Commercial Internet Banking?
        Service hours for Securities Margin Account Transfer is from 8:00a.m. to 4:10p.m. on trading day (Except half trading day or if HKExs trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons).
      4. If I already applied the Securities services of Commercial Internet Banking, do I need to apply for the Securities Margin Account Transfer service also?
        No, You can transfer under「Investment」>「Securities」>「Securities Margin Account Transfer」.
      5. Can I assign different users separately for the Securities Trading service only or the Securities Margin Account Transfer service only?
        No, the assigned user will be able to use the Securities Trading, IPO subscription and Securities Margin Account Transfer services, etc.
      6. Can user with “Input Right” or “Signer Right” apply the Commercial Internet Banking Securities Margin service?
        No, only user with “Input & Signer Right” can apply the service.

      To borrow or not to borrow ? Borrow only if you can repay !

      1. What are eIPO services?
        eIPO refers to the IPO application services (both Cash and Financing) that are available in the Commercial Internet Securities Services. The services available include offering particulars, application submission online and enquiry services.
      2. Are all IPOs available in eIPO services?
        Only selected IPOs will be made available in our eIPO services. The current IPO available for eIPO application can be found under「Investment」> 「IPO」> 「eIPO Application」.
      3. If I already applied the Securities services of Commercial Internet Banking, do I need to apply for the eIPO services?
        No, You can use the eIPO services under「Investment」> 「IPO」> 「eIPO Application」.
      4. What are the service hours of eIPO services?
        eIPO services are available 24 Hours (System will not debit the investable amount immediately after Securities Trading session, please ensure the account has sufficient amount before 8:00 a.m. on the next business day). The application deadline for eIPO application will be 4:00 p.m. on the day before the official closing date of that IPO.
      5. How do I know whether my eIPO application has been successfully submitted for allotment?
        You can refer to the 「Investment」> 「IPO」> 「IPO Application Record」for the details of your eIPO application.
      6. Can I amend or cancel my eIPO application via Commercial Internet Banking?
        No, you cannot amend or cancel your eIPO application after your application submitted online.
      7. Can I have multiple applications?
        No, multiple and suspected multiple applications will not be accepted.
      8. How do I know if any shares have been allotted or not?
        You can check under 「Investment」> 「IPO」> 「IPO Application Record」for the allotment result. Besides, the Bank will also send the allotment result to the email address and/or mobile phone number provided by user the of the Commercial Internet Banking account during application.
      1. How can I apply for the Securities Services of Commercial Internet Banking?
        Please visit any of our branches to apply for a Securities Account and Commercial Internet Banking Services. Before you open a Securities Account with us, it is a prerequisite for you to maintain a HKD account, which will be used for trade settlements arising from securities trading.
      2. If I already have a Securities Account with ICBC(Asia), can I use the Commercial Internet Banking Securities Services immediately?
        No, you need to visit any of our branches to apply the Commercial Internet Banking Services. Or you can complete and return the “Commercial Internet Banking Service Application Form” or “Commercial Internet Banking Service Amendment Form” to the Bank before you can use the services.
      3. Is there any limit on the number of users applying the Commercial Internet Banking Securities Services?
        Yes, each Commercial Internet Banking customer is only permitted to have a maximum of two User IDs to operate Securities services.
      4. Can user with “Input Right” or “Signer Right” apply the Commercial Internet Banking Securities Services?
        No, only user with “Input & Signer Right” can apply the service.

      For general questions about Securities services, please refer to the FAQ of “Securities Service”.

    1. How do I apply Margin FX and Precious Metal Trading service of Commercial Internet Banking?

      If you have a Margin FX and Precious Metal Trading account, you can visit any of our branches to fill in the Commercial Internet Banking Service Amendment Form/ Supplementary Form to apply the Margin FX and Precious Metal Trading service.

      If you do not have a Margin FX and Precious Metal Trading account, please visit any of our branches to apply the account and service of Commercial Internet Banking. After that, you can conduct transactions via Commercial Internet Banking.
    2. After applied the Margin FX and Precious Metal Trading service successfully, how do I use the Margin FX and Precious Metal Trading functions on Commercial Internet Banking?

      After applied the service successfully, you can conduct Online Trading, Account Transfer and Account Transfer History transactions via Commercial Internet Banking under menu of “Investment” > “Margin FX & Precious Metal Trading”.
    3. What are the trading hours of Online Trading service of Margin FX and Precious Metal Trading via Commercial Internet Banking?

      You can conduct transactions from 8:00 a.m. on Monday to 5:00 a.m. on Saturday (Eastern U.S. Summer Time) or 6:00 a.m. on Saturday (Eastern U.S. Winter Time).
    4. What are the service hours of Account Transfer service of Margin FX and Precious Metal Trading Account via Commercial Internet Banking?

      Service hours for Margin FX and Precious Metal Trading Account transfer are from 8:00 a.m. to 7:00 p.m. on Monday to Friday, except New Year and Christmas holiday.
    5. How do I check the transaction details of Margin FX and Precious Metal Trading Account transfers conducted via Commercial Internet Banking?

      You can check the transaction details of Margin FX and Precious Metal Trading Account transfers conducted via Commercial Internet Banking under “Investment” > “Margin FX & Precious Metal Trading” >“Account Transfer History”
    6. Can I assign different users separately for the Online Trading service only or the Account Transfer service only?

      No, the assigned user will be able to use both the Online Trading and Account Transfer services.
    7. Can user with “Input Right” or “Signer Right” apply the Commercial Internet Banking Margin FX and Precious Metal Trading service?

      No, only user with “Input & Signer Right” can apply the service.
    8. Is there any limit on the number of users applying the Commercial Internet Banking Margin FX and Precious Metal Trading service

      No.
      1. Can I repay the outstanding credit balance of my credit card?

        Yes.
      1. Can I enquire the outstanding balances of my credit card though Internet?

        Yes.
      2. Can I enquire about the bonus point of my credit card?

        No.
      1. Can I online apply for the Irrevocable Documentary Credit and Amendment to Documentary Credit through your Internet Banking Service?

        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.
      2. Can I enquire the inward or outward trade finance limits information through your Internet Banking?

        Yes.
      3. Can I obtain the import and export documents and forms via your Internet Banking Service?

        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.
    1. Are the interest rate/exchange rate updated?

      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.
    1. How many messages can be stored in the Message Box?

      The message box can store messages for the past two months.
    2. What kind of message can I see inside the Message Box?

      You can view the result of your scheduled transactions and the message from our Bank.
      1. Is it a must to change my password?

        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.
      2. How do I change my Password?

        You can login to our Internet Banking Service, select 'Change of PIN', input your existing PIN, new PIN, re-input the new PIN for confirmation and verification code. Your new PIN will be effective once the change is successfully processed.
      3. Can I use special characters or symbols for my password?

        No, you can only use any combination of 8-12 alphanumeric characters for your password and the alphabets used are case sensitive.
      1. How can I use your Internet Banking Service?

        • 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.
      2. How do I exit your Internet Banking Service?

        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.
      3. What are "Cookies"?

        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.
      4. I get the message "the page contain unsecured Active X control", "document contain no data"? What can I do?

        Try to enable the Cookies in your browser.
      5. How do I make my browser JavaScript enable?

        Steps for Microsoft Internet Explorer users. To enable "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"
        7. How do I enable Cookies in my browser?

          Steps for Microsoft Internet Explorer users. To enable "Cookies":
          1. Select "Tools" from the Menu bar
          2. Select "Internet Options"
          3. Click "Privacy" tab
          4. Click "Advanced"
          5. Choose "Enable" under Cookies.
          6. Click "OK"
        8. How do I clear my browser's cache?

          For Microsoft Internet Explorer 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.
        9. Why do I get the message "Session disconnected, please relogin"? What should I do?

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

          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.
        11. How can I check the version of my browser?

          If you are using Microsoft Internet Explorer
          1. Click "Help"
          2. Select "About Internet Explorer"
        12. How can I update or change the version of my browser?

          You can update or change your browser version by downloading the following recommend browsers: Internet Explorer.
        13. 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?

          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.
        14. I take a long time to get into your site. Is there a solution for this?

          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.
        1. How well is my information being protected with your Internet Banking Service?

          • The system is equipped with network security features. It includes TLS(Transport Layer Security) 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. Utilizes the advanced technology : the password token and Digi-Sign Certification Services Limited digital certificate (i.e. e-Cert), which includes a public key and private key to authenticate unique user. Our Bank currently accepts password token and digital certificate issued by Digi-Sign Certification Services Limited (for company customer only) as means of two-factor authentication for our Internet Banking. The e-Cert provides you with a unique identification and secure authentication. For your protection, you should use e-Cert with non-duplicable private key stored in a secure media for conducting transactions of Internet Banking.
          • Other than e-Cert, you can also use the password token as the two-factor authentication authorization for performing transactions via Internet Banking Services.
          • 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).
          • 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.
        1. How should I take care of my password?

          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.
        2. May I save my User ID and password so that I do not need to enter them every time I login?

          To provide you with better protection, this service is not allowed.
        3. Can I exit by closing the browser window?

          We suggest that you logout properly. It is because the service is still available if it is not logged off properly.
        4. Do we need encryption?

          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.
        5. Why do we need end-to-end encryption in addition to TLS?

          TLS 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.
        6. How can I know that my browser is TLS-enable?

          If there is a "closed" lock at the bottom of your browser, it is TLS-enable.
          You may verify connection encryption status by select menu bar "File" and then "Properties"
        7. How to enable TLS in my browser?

          Generally speaking, you can enable TLS 1.0, TLS 1.1 and TLS 1.2 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 TLS 1.0, TLS 1.1 and TLS 1.2.
          5. Click "OK"

        8. How can I make sure that the web pages of the Internet Banking I am currently browsing really come from your Bank?

          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).
          • the website name which is certified (issued to): myebankasia.icbc.com.cn
          • the certifier of the website whom is issued by: Symantec Class 3 EV SSL SGC CA - G2
          • the valid date: to check whether the website is within the valid date
        9. What should I be aware while using the Internet Banking Service?

          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.
        10. How do I secure my personal computer if I have static internet connection?

          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.
        11. What should I do if I suspect there are unauthorized transactions in my account?

          Immediately contact our Bank via the Customer Service Hotline on 218 95588 or any of our branches.
        1. What is Two Factor Authentication?

          To increase security for online banking transactions and fulfill the requirement of supervisory authorities, our bank adopt password token and digital certificate as means of two-factor authentication for our Internet Banking. 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 signer use only). ICBC (Asia) Password token adopts new generation of encryption technology to enhance customer's transaction security. If you are a new customer or you want to re-apply a two-factor authentication tool, you should apply password token as two-factor authentication when performing any of high risk transactions via Internet Banking services, e.g. transfer funds to non-registered 3rd party accounts.
        2. Can I use the two-factor authentication tool to confirm the transactions performed via Internet Banking Service?

          Yes, you can authorize the "High Risk Transaction" and transaction authorization for Corporate Internet Banking, such as non-registered third party account funds transfer; register other bank credit card for bill payment, etc., by using password token, digital certificate issued by Digi Sign.

          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 will be sent to your registered phone number only. For more information, please call 218 95588.

          Below is a list of concerned transaction
          • Transaction Confirmation SMS (sent after confirmed the transaction)
          • Securities Transaction Notification
          • Stock Watch Alert
        3. What is "High Risk Transaction"?
          The "High Risk Transaction" include in our Commercial Internet Banking are as follows:
          1. Fund Transfers /Remittances to non-registered account
          2. Registration of JETCO member bank's credit card bill payment
          3. Cashier's Order / Demand Draft Request (Collected at branches by authorized person or by registered mail to the customer's correspondence address)
          4. Cash pool protocol modification
          5. payroll file upload
          6. User accessibility modification
          7. Signing matrix modification
          8. Bill payments to unregistered third-party accounts for high-risk merchant categories*.
          9. Add / Modify templates and my beneficiary accounts
          10. Bills transaction (except bill orders enquiry)
          11. Register Third Party Beneficiary Accounts
          *High-risk merchant categories include: money service operator or agent that provides services or products that can be easily converted to money such as remittance agent, money changer, jewellery companies, casino, finance/loans related service such as stock agents, credit card merchants.
        4. What kind of transaction is required to use the two-factor authentication for confirmation?

          What kind of transaction is required to use the two-factor authentication for confirmation? For those Internet Banking Customers who have registered two factor authentication, password token or digital certificate pin is requested for two factor authentication when customers try to make high-risks transaction or some transaction authorization in Internet Banking, 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.
        5. What kinds of e-Certificate are accepted?

          Our bank only accepts digital certificate issued by Digi-sign Certification Services Limited for Corporate Internet Banking.
        6. Do I need to pre-register or inform the Bank for using my e-Cert as the authorization authentication?

          For Personal Internet Banking customers, you cannot use digital certificate as two-factor authentication tool. For Corporate Internet Banking customers, you can keep on to use the digital certificate issued by Digi-sign Certification Services Limited or apply the password token as two-factor authentication tool.
        7. How can I apply password token for Internet Banking Services?

          Please visit any of our branch to apply our password token.
        8. If I find difficulties in importing my e-Cert to the secure device, what should I do?

          You are advised to apply our password token instead of using digital certificate if you find any difficulty. Call our 24-hour customer service hotline (852)218 95588
        9. I have entered the dynamic password correctly, why the system said that I have entered the wrong dynamic password ?

          When the system said that you enter wrong dynamic password but you correctly enter, use ""Adjust ICBC e-password device"" to correct the clock of the e-password device for normal use.
        1. What is the ICBC (Asia) USB–Shield?

          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). Please download the ICBC (Asia) USB-Shield manual to install it.Relevant driver needs to be installed in order to use the ICBC (Asia) USB-Shield storage media. PleasePlease click here to download the driver for installation。If you have any installation inquiries, please contact Digi-sign Certification Services Limited's customer services hotline at 2917 8833.
        2. How to apply for the ICBC (Asia) USB–Shield?

          Please submit the or (only applicable to existing CIB Customer) and to any of our branches for applying the ICBC (Asia) USB–Shield.
        3. How long is the valid period of the ICBC (Asia) USB–Shield?

          The valid period of the ICBC (Asia) USB-Shield is three years.
        4. How many types of Digital Certificates can be accepted by CIB?

          Currently we can only accept ICBC (Asia) USB–Shield.
        5. What will happen if I forget the password of ICBC (Asia) USB-Shield?

          If you enter the incorrect password over 10 times, the ICBC (Asia) USB-Shield will be blocked. Please submit the to any of our branches to apply a new ICBC (Asia) USB-Shield or apply our password token instead.
        6. For security enhancement, what areas should I pay attention to the ICBC (Asia) USB–Shield?

          1.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.
          2.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)
          3.Please always keep ICBC (Asia) USB–Shield in a secured place and separately from your ICBC (Asia) USB–Shield PIN.
          4.Under no circumstances should you allow others to use your ICBC (Asia) USB–Shield and disclose your ICBC (Asia) USB–Shield PIN to anyone.
          5.For security reason, please change your ICBC (Asia) USB–Shield PIN via the related change password program regularly.
          6.Avoid letting anyone see you key in your ICBC (Asia) USB–Shield PIN when you are using Internet Banking Service.
          7.Always remember to remove your ICBC (Asia) USB–Shield after completing your transaction.
          8.In case of loss, theft or misuse of digital certificate, please submit the to any of our branches.
        7. When I use your Internet Banking Service, I get an error message stating that "Java are not enable"What should I do?

          Your browser might not be Java enable. Try to enable it.
        8. How do I make my browser Java enable?

          Steps for Microsoft Internet Explorer users. To enable "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"


        9. 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).
        10. 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?

          You need to install Java virtual machine in order to use our Internet Banking properly.
        11. Why do I get a pop-up message box named "TNSS Applet" every time when I try to use ICBC (Asia) USB–Shield to procees the transaction? What should I do?

          Please check the box of ‘Do not show this again from the publisher and location above’ on the pop-up message box to avoid repeat notification.

      1. What can I do if I have any problems or enquiry when using your Internet Banking Service?

        You can contact our Bank via the Customer Service Hotline on 218 95588 during office hours or any of our branches.
      2. Can I e-mail to your Bank if I have problems or enquiry about your Internet Banking Service?

        You can send your enquiry here.