Personal Internet Banking - ICBC (Asia)
Personal Internet Banking
- Two-factor Authentication to Strengthen Security
The Two-factor authentication uses a combination of 2 different factors for verifying a user’s identity:
Advantage of Two-factor Authentication:
Your transaction is highly protected because the fraudsters cannot steal your physically possessed tools (such as your password token) over the Internet. All of the high-risk Internet Banking transactions, such as fund transfers to non-designated accounts, are protected by this additional authentication tool physically held by yourself. By just a few simple steps, you can enjoy this enhanced security level of online transactions. - How to use Two-factor Authentication?
Press the password token to get the one-time password. When you conduct a high risk transaction, you should use the password from password token. Then you can type the one-time password to confirm your transaction. Click here to read the manual of Password Token / Mobile Token Operation Manual. - Security Tips
After you have finished all online transactions, you must remember to click “Logout” to exit from the Internet Banking system to avoid any information leaking. Please safeguard your password token because it is an important tool for two-factor authentication. Do not access Internet Banking through hyperlinks embedded in e-mails. Please be aware that we will never request or ask you for account number, PIN or any personal information through e-mails. To enhance your Internet Banking account safety, the Internet Banking service will be suspended immediately if it is attempted with invalid PIN for 4 times consecutively. In this case, you can visit any of our branches for regeneration of new password. See more about Security Tips and Two-factor authentication. - Review of Registered Third Party Accounts
Before your registration of third party’s account(s) which is of high risk categories (e.g. 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) for fund transfer, please consider carefully and read the Bank’s online security tips. Please be aware of the potential risk of registering third-party accounts of some institutions which may be used for retrieving funds or transferring funds to another non-designated beneficiary.
- If you have not become our customer:
(1) Local customer - please bring your “Identity documents such as HK Identity Card” and “Latest address proof issued within 3 months”;
(2) Mainland customer - please bring your “PRC Identity Card” plus “Multiple journey ‘Tanqin’” or “PRC Passport (if any)”;
Go to our branch to open a HKD account and register our Internet Banking services, which will be effective on the same day. - If you are our bank customer with ATM Card, Phone Banking account or Credit Card, you can operate your bank accounts through Internet Banking by simply completing several steps for online registration. Please access our Internet Banking login page and click
to become our Personal Internet Banking customer to enjoy the convenience of Internet Banking service. For details, please click here.
Personal Internet Banking
Now, you can take more advantage of comprehensive banking services through our Internet Banking. With the enhanced security technology, you can rest assured to manage your personal financial and investment with peace!
Service Applicable to
Personal customers
Account Opening Conditions
Personal customers can open ICBC (Asia) Internet Banking Services with any of your
savings/current account or credit card
Service Hour & Channel
Internet banking enquiry function provides
24-hour service
Please refer to transaction tips in the internet banking for the services hours of other functions.
Daily Maximum Limit of Funds Transfer
The daily maximum limit of funds transfer, are as follows:
| Transaction Type | Personal Account (Maximum limit) |
| 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 |
| Pre-registered Third Party Account Transfer (Including transfer within our bank accounts and transfer to other bank accounts) |
Total daily limit: HKD1,000,000 a eCustomer 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 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. |
| Non-registered Third Party Account Transferb(Including transfer within our bank accounts and transfer to other bank accounts) | For Two-Factor Authentication users: HKD200,000 c Zero amount for Non Two-Factor Authentication users |
| General Bill Payment (Including all bill payments, credit card payments and donations) |
HKD$500,000 a e |
| Tax Payment | HKD$500,000 a e |
| White Form eIPO Online Payment | HKD4,000,000 a |
| Small-Value Fund Transfer (per day)d e |
Application via branch: HKD10,000 Application via Internet Banking: HKD10,000 |
| Currency Exchange Between HKD and USD |
HKD500,000,000 or its equivalent |
| Currency exchange Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD |
HKD50,000,000 or its equivalent |
| Currency exchange Between HKD and SGD |
HKD50,000,000 and its equivalent |
| Currency exchange Between HKD and RMB |
HKD50,000,000 and its equivalent |
Customer can define the transfer limit upon application, and the customer can also adjust the transfer limit via Internet (Password token will be required for increasing the transfer limit).
Applicable to Small-Value Fund Transfer.
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 Banking for 12 months. To reset the related transfer limit, you may submit your request via token or visit any of our branches.
Small-value Fund Transfer service allows you to submit a transaction instruction to non-registered 3rd party account without token authentication.
The limits are shared between Intenet Banking and Mobile Banking.
Important Notice
If you forget your internet banking password, you can reset it via any ICBC (Asia) Branch.
Risk Disclosure and Reminder
Investment involves risk and the prices of securities and derivatives products fluctuate. The prices of securities may move up or down, sometimes dramatically, and may become valueless.
It is as likely that loss will be incurred rather than profit made as result of buying and selling investment. Past result should not be taken as indication of future performance.
The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account.
Before making investment decision, you should thoroughly study the offering documents; the financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances and financial position to ensure the investment are suitable for your particular investment needs.
You shall seek independent professional advice on legal, tax, financial and other issues in connection with the investment if necessary.
Keep your password secure and secret at all times, and change your password periodically.
Please safeguard your password, or you may suffer loss of personal information or assets.
