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Mobile Banking - Frequently Asked Questions

Mobile Banking - Frequently Asked Questions

About Mobile Banking Service

1.	What services does the ICBC (Asia) Mobile Banking provide?
A:	ICBC (Asia) Mobile Banking provides New Customer Account Opening, Account/Asset Management Service, Transfer & Remittance Service, Credit Cards Service, Investments and Financial Service, Deposit & Debts Service, Information Push Service and other banking services. For details, please refer to www.icbcasia.com (eBanking>Personal Mobile Banking).
2.	What are the main differences between the new version and the existing version Mobile Banking?
A:	-Brand-new Design, Perfect Experience: User Interface design optimization, milder color and more comfortable visual effect, to protect your eye and create high quality customer experience. -Module Customization, Free Layout: Support main page functions personalization, add or delete the functions and adjust the functions order as to meet customer needs. - Simplification and Optimization on frequently used functions : Perform instant transfer with one click; improve the appearance of ICBC Messenger displayed in card mode, helping you to receive transaction alert timely. -Personalized financial management : Introduce elite products and services by showing brand new investment services sections. Customers can enjoy exclusive banking/ investment services with ease. -Account overview at one glance : Show your asset allocation in pie chart and allow access to all accounts in one single management section.
3.	What information can I get through the search bar?
A:	You can enter keywords in the search bar to fuzzily search for matched functions (support for Traditional Chinese, Simplified Chinese and English), click on the search results to access the relevant function page. The search page will show your recent 10 historical search records, on which you can click to search again.
4.	How to customize my main menu and manage mobile banking functions?
A:	You can access function management page through “Service” > “All” , click on the “Management” button of the “My application” bar to add or delete the functions and adjust the functions order.
5.	How to download ICBC Mobile Banking?
A:	We provide iPhone App and Android App. You can download “ICBC Mobile Banking” App from the Apple Store/Google Play by searching “ICBC” or from www.icbcasia.com (e-Banking>Mobile Banking).
6.	How do I know if I am using the latest version of mobile banking app?
A:	You can check if there is any updated version for “ICBC Mobile Banking” App in Google Play or Apple Store. If no, that means you are already using the latest version.
7.	How should I set up to use the mobile banking service when I first time use the mobile banking app?
A:	For the first time use of the mobile banking app, you can enjoy our mobile banking services after selecting “Hong Kong” for the region and your preferred language.
8.	How to login to Mobile Banking Services?
A:	The new version Mobile Banking is an open platform. Some functions like Search, News, Branches, etc. can be used without login. If you are redirected to the login page after clicking a function, it means that such function cannot be used without login. However, you can continue to use that function after entering your account number and password. You can also login by clicking “Login” at the upper left corner of the “Service page” or “Log in” of “Me” page.
9.	How to logout from Mobile Banking Service?
A:	You may logout by clicking "logout" at the top left corner of the homepage page.
10.	What to do if I forget the password?
A:	The Internet banking Service and Mobile Banking Services will be suspended if the login password has been incorrectly entered for 3 consecutive times in the same day .You may try to login again in the next day. You may use the "forget password" function on Personal Internet Banking login page.If you are still unable to login to Internet Banking and Mobile Banking Services, your service may be suspended. Please call 218 95588 or visit the branch for assistance.
11.	Why I cannot logon the ICBC Mobile Banking with the regenerated password?
A:	It is because the enhanced security system requires customers to change the password with every new regenerated password through the Personal Internet Banking. After you have changed your password, you can then logon to the Mobile Banking Services as usual with the new password.
12.	Can I access to ICBC (Asia) Mobile Banking via any types of mobile models?
A:	Our Mobile Banking supports most smart phone models in the current market. Recommended operation systems, mobile brands/models: - Apple iOS 10.0 or above: iPhone, etc. - Android OS 6.0 or above: Samsung, Huawei, etc.
13.	Is there any specified Telecom Service Provider for accessing to the Mobile Banking?
A:	No. Our Mobile Banking Services are widely compatible and it is supported by all Telecom Service Providers. However, please take note on the overseas data usage.
14.	Can I use the Mobile Banking services overseas?
A:	Yes. As long as your phone is accessing the internet, you can enjoy mobile banking service anywhere. However, please take note on the overseas data usage.
15.	Do I need to pay for using ICBC (Asia) Mobile Banking Service?
A:	No. Our Mobile Banking Service is free of charge except some specified transactions such as Telegraphic Transfer and CHATS.
16.	Should I need to log in before using any functions on the main menu ?
A:	No. The brand new Mobile Banking Service is an open platform, such as News, Deposit Rate Inquiry, Exchange Rate Inquiry, Contact Us and Branches can be used without Login.
17.	What languages does the ICBC (Asia) Mobile Banking Service support?
A:	Our Mobile Banking supports English, Traditional Chinese and Simplified Chinese.
18.	How can I recommend ICBC (Asia) Mobile Banking Service to my friends and relatives via social platforms？
A:	You may click “Share” button of the “Me” page to share the download link of ICBC (Asia) Mobile Banking on popular social platforms, such as WeChat, Weibo, Twitter, etc.

Authorized Login Service

1.	Authorized Login Service
A:	Through authorized login service, you can inter-connect ICBC and ICBC(Asia) Mobile Banking without operating between the two apps. In the first phase, we launch the "authorized login" function which allows you to log in to ICBC (Asia) Mobile Banking with your ICBC's e-banking account.
2.	How to use "Authorized Login" service ?
A:	You need to bind your ICBC(Asia) account with the ICBC account. The specific process is as follows: Step 1: Click the "ICBC Login" button on the ICBC(Asia) Mobile Banking login page. Step 2: Switch to the login page of ICBC Mobile Banking to complete the login process. Step 3: Switch to the "Authorized Login" page to complete the authorization. Step 4: Return to ICBC (Asia) Mobile Banking. Complete the login process in ICBC(Asia) mobile banking according to the warm reminding instructions . Step 5: Using the mobile number displayed on screen to complete the SMS verification. Step 6: Swith to "Authorized Login"page, enters the document ID number of the account opened with ICBC to complete the verification. Step 7：Read and agree the Terms Step 8: Authorized login binding is successful. After completing the authorized login authentication (binding), you can log in to ICBC (Asia) Mobile Banking with the ICBC account and password you have bound. The process is as follows: 1.Click the "ICBC Login" button on the ICBC(Asia) Mobile Banking login page 2.Switch to the login page of the ICBC Mobile Banking to complete the process. 3.Enter the authorization page to complete the authorization 4.The page returns to ICBC (Asia) Mobile Banking. Complete the login process in ICBC(Asia) mobile banking according to the notification. 5.Switch to the authorized login page, and your mobile number will be displayed on screen and receive a one-time SMS verification code to complete the SMS verification 6.Switch to authorized login page to complete document ID number verification 7.Authorized login is successful Please note: 1.You must have the mobile banking applications of ICBC(Asia) and ICBC Mobile Banking in your mobile device at the same time. 2.Your password must be changed within past 3 months, otherwise, please change your password before the binding.
3.	Can all customers use this function?
A:	You need to have e-banking accounts of both ICBC(Asia) and ICBC concurrently.
4.	What can I do after completing the authorization login?
A:	After completing the binding, customers can log in to ICBC (Asia)and ICBC Mobile Banking services concurrently by logging into ICBC mobile banking services. Through Cross-border services, you can receive the latest information of “Greater Bay Area” anytime anywhere. Also, you can view the transaction reminders of your bank accounts in ICBC (such as ICBC Credit Card Repayment、Card Renewal、Deposit Expired、Fixed Fund Investment、Investment Products Expiration and Redemption、Branches Reservation). You can view the star-rating of your bank accounts in ICBC and fully interconnect the privileged services by fully connect the banking services between mainland China and Hong Kong.
5.	How to unbind ICBC and ICBC(Asia) Mobile Banking?
A:	You can unbind by clicking “More Options“ in “Cross-border Service”.

Application for Consolidated Investment Account and/or Securities Account(Cash)and/or Securities Account(Margin) via Mobile Banking

1.	How can I apply for a“Consolidated Investment Account”and/or“Securities Account(Cash/ Margin)” via mobile banking?
A:	Customers only need to follow the steps below to complete the account opening process quickly and easily: a) Login to mobile banking, click on “Services”> “All” > “Help&Support”>"Account Opening" and then select "Apply Consolidated Investment Account"/"Apply Securities Account (Cash)"/"Apply Securities Account(Margin)"; b) If customers have not completed their Customer Risk Portfolio or the Customer Risk Portfolio has been expired, they can update immediately before proceeding to the application; c. After selecting the settlement account, preferred language and collection method of the investment account statement and date of birth, click the "Next" button to confirm the information is correct, read and accept the "Agreement and Declaration" and complete the application.
2.	When will the "Consolidated Investment Account"and/or"Securities Account(Cash/ Margin)" be effective after the submission of the application on Mobile Banking?
A:	a) Securities Account(Cash): effective 1 business day after the application has been successfully submitted. b) Securities Account(Margin): Bank’s staff will contact customers to follow up the account opening according to the time slot customers selected. c) Consolidated Investment Account (Funds, Bonds and other Structured Investment Products) : effective 1-2 business days after the application has been successfully submitted.
3.	Is the application for opening "Consolidated Investment Account" and/or "Securities Account(Cash/ Margin)" via Mobile Banking applicable to all customers?
A:	Application for account opening via Mobile Banking for "Consolidated Investment Account" and/or "Securities Account(Cash)"/"Securities Account(Margin)" is only applicable to single named account opening. For opening Joint named account, please visit any of our branches to apply.
4.	Which investment products are applicable to Consolidated Investment Account?
A:	The Consolidated Investment Account is applicable to investing in the Bank’s Securities(Cash), Funds, Bonds and other Structured Investment Products.
5.	Do I need to visit a branch for additional procedures after opening of the account?
A:	No additional procedure is required. Please note that the signature specimen/chop of the investment account you applied online will be referred to the settlement account you selected during the application.
6.	Can I apply for the same type of account via Mobile Banking again?
A:	No, each customer can only hold a valid account for each relevant product in our bank.
7.	Can I change my personal contact information like mobile phone number and email address during account opening via Mobile Banking?
A:	If you have had already a password token, you can update your mobile phone no. and email address and click "Me">"Services and settings">"Change Contact Information" via Mobile Banking. Otherwise, please visit any of our branches to update your personal information.
8.	Can I activate Phone Banking service at the same time when I apply for "Consolidated Investment Account" and/or "Securities Account(Cash)"?
A:	At present, the opening of the "Consolidated Investment Account" and/or "Securities Account(Cash)" does not support the activation of phone banking service. Please visit any of our branches for the activation.

Gesture Login

1.	What is [Gesture Login Setting] service?
A:	[Gesture Login Setting] is a function that customer draws a symbol on their mobile device in lieu of the ICBC (Asia) personal internet banking user ID and password to confirm your identity to access our mobile banking services. It will bring you a faster mobile banking login experience.
2.	2.Which devices are compatible with the [gesture login setting] service function?
A:	This service is applicable on any mobile devices that can download the ICBC (Asia) mobile banking App. Recommended operation systems, mobile brands, and models: -- Apple iOS 9.0 or above: iPhone, etc. - Android OS 5.0 or above: Samsung, Huawei, etc.
3.	3.How can I activate the [Gesture Login Setting] service in ICBC (Asia) Mobile Banking App?
A:	After logging in ICBC (Asia) Mobile Banking successfully; please select Me > Services and Settings > Gestures Login Setting. You will receive a one-time SMS activation code for the Gestures Login function. After you successfully enter the activation code you may enable and set the new gesture password.
4.	4.What is the required number of connection points when setting up [Gesture Login Setting] service?
A:	The [Gesture Login Setting] requires a minimum of five connection points.
5.	5.How do I disable [Gesture Login Setting] service?
A:	Login ICBC (Asia) Mobile Banking and select Me > Services and Settings > Gestures Login Setting > Gesture Password > Disable.
6.	6.How do I modify the gesture password?
A:	Login ICBC (Asia) Mobile Banking and select Me > Services and Settings > Gestures Login Setting > Modify Gesture Password > Change Your Gesture Password.
7.	7.What should I do if I forget my gesture password?
A:	If you forget your gesture password select “Forgot Gesture Password” on the login page and use your user ID and password to login and reset your gesture password. Notes: Should you have any query, please contact our 24 hours customer service hotline at (852) 218 95588.

Security Center

1.	What is [ Security Center] service?
A:	[Security Center] has five functions; security detection,login management, security verification management, emergency treatment, Security Log and. [Security Center] supports customer to check his/her login record, to set up login method,l function.
2.	What is the [Security Detection] function?
A:	[Security Detection] is a function that can detect your bank accounts’ and devices’ potential security risks（Including whether you set up the reminder of account balance change, the debit/ credit card overseas POS lock， the debit card overseas POS limit, the overseas debit card POS limit, the virtual digital credit card overseas cardless payment lock and detect whether your phone is jailbreaken）; it can remind you to improve the relevant security configurations and reduce potential risk.
3.	What is the [Emergency Treatment] function?
A:	When customers lose their credit cards, token, or mobile phone, they can use this function to notify ICBC (Asia).
4.	What is the [Login Management] function?
A:	[Login Management] function will redirect you to the [Login Management] page where you can change password, set up fingerprint login, check login/logout record, and set up login with gesture password function.
5.	What is the [Security Verification Management] function?
A:	You can use this function to manage your password token.
6.	What should I do if I lost my phone?
A:	You can login your ICBC (Asia) mobile banking app, select [Security Center] > [Emergency Treatment] > [Loss of mobile phone] to report to ICBC (Asia)，and please visit our branch or Internet Banking /Mobile Banking to modify the registered mobile number .
7.	What should I do if my credit card is lost?
A:	You can login your ICBC (Asia) mobile banking app and select [Security Center] > [Emergency Treatment] > [Loss report of card] to report to ICBC Asia.
8.	What should I do if I lost my password token?
A:	You can login your ICBC (Asia) mobile banking app, select [Security Center] > [Emergency Treatment] > [Loss report of e-password device] to report to ICBC Asia.
9.	How do I monitor my ICBC (Asia) mobile banking app login record?
A:	you can select [Security Center] and find security log, then you will see the latest login device and login time to monitor your mobile banking.
10.	What is the [Account Security Lock] function?
A:	To prevent your personal information or credit card information from being stolen you can activate [Account Security Lock] to turn off debit card/credit card oversea POS function, virtual digital credit card transaction function, and set up debit card overseas POS payment limit .
11.	How do I deactivate debit card/credit card oversea POS function?
A:	You can login your ICBC (Asia) mobile banking, select [Security Center] > [Account Security Lock] > [Overseas Transaction Lock] and click into [Not Locked], then select whichever debit card/credit card you wish to deactivate and submit, the POS function of the selected card will be deactivate immediately.
12.	How do I deactivate Card-Not-Present Transaction function?
A:	You can login your ICBC (Asia) mobile banking, select [Security Center] > [Account Security Lock] > [Card-Not-Present Transaction] and click into [Not Locked], then select whichever debit card/credit card you wish to deactivate and submit, the card-not-present transaction of the selected card will be deactivate immediately.
13.	How do I set up oversea POS transaction limit ?
A:	You can login your ICBC (Asia) mobile banking, select [Security Center] > [Account Security Lock] > [Overseas Transaction Limit Setting] and click into [Not Locked], then the limit you wish to set up and submit, the transaction limit you entered will be effective immediately. Notes: Should you have any query, please contact our 24 hours customer service hotline at (852) 218 95588.
14.	I am travelling in another country/ region and I am not able to log on to ICBC (ASIA) Personal Mobile Banking.
A:	For your safety,there is no guarantee that mobile banking service can be conducted in countries or regions with high risk of money laundering or financial sanctions.

FPS QR Code Payment Service

1.	What is the “FPS QR Code Payment” service?
A:	FPS QR Code Payment Service refers to the service that customers use ICBC Asia Mobile Bank to scan the FPS QR code of individuals or merchants for real-time local inter-bank transfer and payment.
2.	How to open FPS QR Code Payment Service?
A:	After you adjust the daily limit of small amount transfer, you can pay through the FPS QR Code Payment service,or you can use the Token to finish the transaction.
3.	What devices does the FPS QR Code Payment service apply to?
A:	FPS QR Code Payment service is applicable to Iphone with Apple iOS 9.0 or above and Android phones with Android OS 5.0 or above installed by ICBC Asia Mobile Bank.
4.	How can I use FPS QR Code Payment Service?
A:	You can refer to the following steps to use the "FPS QR Code Payment" service: 1) Log in to mobile banking; 2) Click "... "in the upper right corner of the service page. > "scan", or click "Transfer & Payment" > "ICBC QR Code Transfer" > "QR Code Payment" to enter FPS QR Code Payment service; 3) scan the FPS two-dimensional code or import the FPS two-dimensional code pictures from the mobile phone album with the function of scan; 4) If it is a QR Code for fixed payment, the payment amount will be displayed immediately; If the QR Code is not fixed payment, then you need to enter the payment amount; 5) Select the payment account, read and agree the relevant terms and conditions; 6) Enter the login password of mobile banking; 7)Check the payment information and click "Confirm" to complete the transaction.
5.	Is it safe to use the FPS QR Code payment service?
A:	It is safe to make payments or transfer money through the FPS QR Code Payment service. The QR code applicable to FPS QR Code Payment service is a QR code with quick revolutions generated under the unified technical standards of Hong Kong Interbank Settlement Co., LTD., and the security technical specifications are guaranteed. In addition, QR code payment transactions must be authenticated by mobile banking before they can be used, making transactions safe and convenient.
6.	I tried to scan the QR code to pay but failed. Why?
A:	FPS QR Code Payment service of ICBC (Asia) Mobile Bank only supports THE FPS QR code generated under the unified technical standards of Hong Kong Interbank Settlement Co., LTD. In addition, the QR code you scan may have an expiration date, and the transaction must be within the validity period of the QR code.
7.	Can I set up an appointment order for the FPS QR Code Payment service?
A:	FPS QR Code Payment service does not support reservation instructions.
8.	Is there any fee for using the FPS QR Code Payment service?
A:	No, the bank's FPS QR code scanning payment will not charge handling fee.
9.	Can I query FPS QR Code Payment record?
A:	Yes, you can query your FPS QR Code Payment record through the following three channels: 1) "Transfer & Payment" >, " FPS Service " > " Transaction Enquiry"; 2) "Help & Support" > "Log Query"; 3) "A/C Management" > "My Portfolio" > "Deposit", enter a specific account, and click "Detail Inquiry".

FPS Services

What are the major functions of ICBC (Asia) FPS Services?

ICBC (Asia) FPS Services provide two functions which include “FPS Service” and “Electronic Direct Debit Authorization”:
- FPS Service (Payment, Payment Instruction Enquiry, Addressing Service, Addressing Service Enquiry and Setting)
- Electronic Direct Debit Authorization (Set up, enquire and manage Electronic Direct Debit Authorization)

What is “FPS Service”?

“FPS Service” is a new payment service. You can initiate real-time intra-bank or inter-bank transfer payment via this service. Apart from the traditional transfer means of inputting account number, you can also transfer directly by inputting the mobile number, email address or FPS ID linked by the payee, which is fast and easy. In the meantime, you can also link the account of our Bank with your mobile number/ email address for receiving payment. After completing the transaction, the payer will receive SMS message and email notification, which is secure and reliable.

What are the differences between FPS Service and “Express transfer – CHATS”?

	FPS Service	CHATS
Realization of Fund	Inter-bank or intra-bank in real time	Inter-bank or intra-bank in real time
Charges	Free	Transaction fee included
Supporting Currency	HKD/RMB	HKD/USD/EUR/RMB
Transfer Method	Input A/C no. OR mobile no./email address/FPS ID registered by the payee	Input Payee A/C no.

What are the customer requirements for using FPS Service?

Customers using this service should fulfill all the following requirements:
1) Registered valid mobile number with our Bank
2) Registered valid email address with our Bank
3) Activated small-value fund transfer service and set up small-value fund transfer limit(If customers do not apply for Token).

How can I use FPS Service for payment?

You can refer to the following steps for the payment to intra-bank or inter-bank account: 1) Log in to Mobile Banking of our Bank;
2) Click “Service”>”All”>”Transfer & Remittance”>”Local Bank Transfer”>choose FPS service if necessary, or Click “Service”>”All”>”FPS Services”>”Payment”
3) Select payment account and currency, read and mark to accept the related Terms and Conditions, and press “Next”
4) Select payment method (input account number/ mobile number/ email address/ FPS ID) and input the beneficiary information according to the instruction. If the selected payment method is not inputting account number, you need to press the “Inquire” button after inputting the mobile number/ email address/ FPS ID, wait for the interface to show the beneficiary bank and account name, and press “Next”;
5) Input transfer amount and optional remarks, and press “Confirm”;
6) Verify transaction information. If the transfer amount falls within the small-value fund transfer limit, you have to input the e-banking login password. If the transfer amount exceeds the small-value fund transfer limit, you have to use password token for authentication;
7) Payment transaction completed. You can check the payment record or other collection record by pressing “Detail Inquiry” or via “Payment Instruction Enquiry”.

If my mobile number/ email address has registered with the FPS of other banks, can I use the FPS Service of ICBC (Asia) at the same time?

Yes. You can still use the Addressing Service of FPS Service with the account of our Bank. The account of our Bank will become the default collection account of the mobile number/ email address automatically.

Can I transfer to the payee of other banks by using FPS Service?

Yes. You can pay with your bank account directly and transfer to the account holders of other banks by inputting the account number or mobile number/ email address/ FPS ID registered by the payee. Inter-bank transfer service has become more comprehensive and efficient.

What kind of currency does ICBC (Asia) FPS Services support?

This service currently supports HKD and RMB but it does not accept exchange transaction.

Are there charges for using ICBC (Asia) FPS Services?

No. FPS Services of our Bank (including FPS Service and Electronic Direct Debit Authorization) do not incur charges. However, there may be charges from your mobile telecommunication provider for the involved SMS, mobile data and/or call.

10.

If the payee has not registered the mobile number/ email address or established FPS ID with Addressing Service, can I still pay via FPS Service?

You can still pay by inputting account number but you will be unable transfer to the beneficiary person by inquiring the mobile number/ email address/ FPS ID.

11.

How can the payer know that the FPS Service payment has succeeded?

After submitting the payment instruction, the payer will receive the related SMS and email notification. The payer can enquire the latest one-year payment record and the corresponding status via “Payment Instruction Enquiry”.

12.

How can the payee know that he/she has received the FPS Service transfer successfully?

The payee can enquire the latest one-year collection record and the corresponding status via “Payment Instruction Enquiry”.

13.

How can I use the Addressing Service of FPS Service?

You can refer to the following steps to register your mobile number/ email address with the account of our Bank:
1) Log in to Mobile Banking of our Bank;
2) Press “FPS Service” at the homepage and enter the “Addressing Service” function;
3) Select the mobile number/ email address for addressing, select the addressing account, read and mark to accept the related Terms and Conditions, and press “Confirm”;
4) The interface will show all current addressing record (if any) of your selected mobile number/ email address. Press “Confirm” to confirm the record;
5) If you select mobile number for addressing, you need to receive and input the SMS code within 100 seconds; if you select email address for addressing, you need to receive and input the email code within 10 minutes, and then press “Confirm”;
6) Addressing completed. You can check, amend or delete related addressing record via “Addressing Service Enquiry and Setting”.

14.

How can I amend or delete the addressing account record?

You can amend the bank account of our Bank for registering mobile number/ email address or delete current addressing record. SMS and email notification will be received after successful amendment/deletion.

15.

What is “Electronic Direct Debit Authorization” service?

“Electronic Direct Debit Authorization” function allows you to establish direct debit authorization with the payee via Mobile Banking. You can initiate a debit 5 authorization to the payee or receive a debit authorization from the payee. The authorization allows the payee to collect money automatically according to the payment information/rules set by you. When you initiate an electronic direct debit authorization via Mobile Banking, the largest value of maximum limit per transaction you can set is equivalent to HKD500,000. After successful authorization, you will receive SMS and email notification, which is secure and reliable.

16.

What kind of method can I use to set up Electronic Direct Debit Authorization?

You can set up Electronic Direct Debit Authorization via the following methods: 1) Select the beneficiary merchant in the merchant list
2) Input the beneficiary account number

17.

What kind of payment information/rules can I establish when setting up the Electronic Direct Debit Authorization?

1) Debtor reference (subject to your confirmation with the payee)
2) Debtor account and currency
3) Maximum limit per transaction
4) Payment cycle
5) Expiry date

18.

What kind of authentication method is needed when setting up Electronic Direct Debit Authorization?

You must have the password token in order to complete the authentication of Electronic Direct Debit Authorization. You will not be able to use this service if you do not have the password token.

19.

How can I manage my Electronic Direct Debit Authorization?

You can log in to Mobile Banking and enter the “My Electronic Direct Debit Authorization” function via “Bill Payment” at the homepage. This function allows you to manage the established authorizations and the authorizations initiated by third party, and check the authorization status. You can also amend, suspend, reactivate or cancel the Electronic Direct Debit Authorization.

20.

Why my instruction to transfer funds via account number or a registered other local bank's beneficiary account dose not accepted?

In order to comply with the regulatory requirements from 30 October 2022 our bank and the most of other local banks in Hong Kong may impose stricter controls on the verification of the recipient's name. In view of this change, the following tips are prepared for your reference to prevent your FPS transfer instruction being rejected:

1)If you are transferring via account number , please ensure that your inputted recipient name matches the account name in the beneficiary bank;

2)If you are transferring via registered account number, please ensure the recipient name registered in our bank matches the account name in the beneficiary bank. If you find any discrepancies with the account name in the beneficiary bank (such as alias), you can update the recipient account name under "My Registered Third-Party Account" via personal mobile banking or e-banking. The updated account name will be effective after 6 hours. Please make sure you make transfer after the recipient account name is updated.

21.

If I find my recipient’s FPS proxy ID is being flagged by the scam prevention alert, how can I remove it?

The scam prevention alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at enquiry@cyberdefender.hk if you think the FPS proxy IDs are not tagged correctly.

22：

Will Bank be able to help to remove my FPS proxy IDs from the scam prevention alert?

No, the Bank cannot do the deletion. The scam prevention alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at enquiry@cyberdefender.hk if you think the FPS proxy IDs are not tagged correctly.

23：

If I want to report a suspicious FPS proxy ID, what should I do?

The scam prevention alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. If you suspect a crime case has occurred, please report to the Hong Kong Police Force at a police station or via Hong Kong Police Force e-Report Centre (https://www.police.gov.hk/ppp_en or https://www.police.gov.hk/ppp_tc).

24.

If there is no scam prevention alert message relating to my recipient, does it guarantee it is safe to transfer to him/her?

No, it is not guaranteed. The scan prevention alert message will only be shown if the recipient’s FPS proxy ID is included in the scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID, the proxy ID will not be included in the scam prevention alert. You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.

25：

Why is my recipient’s FPS proxy ID previously not tagged in the scam prevention alert but now being tagged?

The FPS proxy IDs flagged as "High Risk" in Scameter and included in the scam prevention alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID, the proxy ID will not be included in the scam prevention alert.

26：

What is the source of the scam prevention alert and how is my private information being protected?

The scam prevention alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please visit the webpage of Scameter (https://cyberdefender.hk/en-us/scameter/) for more details.

27：

Why I found my FPS proxy ID on the scam prevention alert when doing FPS transfer? I did not commit any crime!

According to the record provided by the Hong Kong Police Force, your FPS proxy ID is related to a scam report. Please contact them at enquiry@cyberdefender.hk if you think the FPS proxy ID is not tagged correctly.

28a：

I discovered my recipient's mobile number has been flagged in Scameter. How come the bank did not alert me when I now try to make payment to this FPS proxy ID?

The scam prevention alert is generated based on information collected from scam reports provided by the Hong Kong Police Force and updated from time to time on a daily basis. Please check again that the payee is trustworthy before you proceed with the transaction.

28b：

:I discovered my recipient's mobile number has been flagged in Scameter. How come the bank did not alert me when I previously made payment to this FPS proxy ID?

29：

Why are scam prevention alerts generated only for FPS proxy IDs when I conduct online transfers but no scam prevention alert is generated for bank accounts? (the online Scameter offers search service of suspicious bank accounts too)

The scope of this scan prevention alert mechanism in the first stage covers FPS proxy IDs. The scope will be reviewed from time to time.

30：

How would I know if my recipient’s mobile number/email address/FPS Identifier is flagged for scam prevention alert?

You can check Scameter (cyberdefender.hk) to see if it is flagged as “High Risk”. When performing an FPS transaction with use of FPS proxy ID (i.e. mobile number, email address, or FPS Identifier) via internet banking or mobile banking app, the Bank will display a scam prevention alert message for those FPS proxy IDs flagged in the scam reports provided by the Hong Kong Police Force. You are advised not to make any transactions to the recipient unless you have carefully verified the recipient’s identity and ensure that the recipient is trustworthy.

31.

If I confirm to the bank to proceed with an FPS transfer with FPS proxy ID (i.e. mobile number/email address/FPS Identifier) flagged as “High Risk” and subsequently realize being scammed, what should I do?

If you suspect you have been scammed, you may visit a police station or the Hong Kong Police Force e-Report Centre (https://www.police.gov.hk/ppp_en or https://www.police.gov.hk/ppp_tc) to file a report. In tandem, please report the case to the Bank.

32.

If a recipient’s mobile number is flagged as “High Risk”, will his/her email address or FPS Identifier also be flagged by the scam prevention alert?

33.

Can I confirm and accept the scam prevention alert message and make FPS transfer to the FPS proxy ID on the scam prevention alert?

Yes, you can, but please be reminded that the transaction has high risk of fraud. You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.

ATM Cardless Withdrawal

Activation of Cardless Withdrawal Service

1.	What is Activation of Cardless Withdrawal Service?
A:	The cardless withdrawal service is not activated by default. If you want to conduct a cardless withdrawal, please activate it through“Activation of Cardless Withdrawal Service”under“Transfer & Payment”. When activation is completed, you can use the "Small-value Fund Transfer Limit" for cardless withdrawal.

ICBC Cardless Withdrawal

1.	What function is ICBC (Asia) Cardless Withdrawal?
A:	ATM Cardless Withdrawal is that customers do not need to carry with the ATM card, and only need to login to the ICBC (Asia) mobile banking and select the withdrawal account, input the withdrawal amount and SMS OTP password to complete authorization, withdrawal amount will then be collected through the ATM.
2.	How do I perform the ATM Cardless Withdrawal via ICBC (Asia) Mobile Banking?
A:	Customers can perform the ATM Cardless Withdrawal simply by following the steps below: Tap “…” at the upper right corner of the ICBC (Asia) Mobile Banking homepage to select the “Scan” function, or tap “Cardless Withdrawal” button under "Transfer & Payment" section, to select “ICBC Cardless Withdrawal” function; Press any key on the ATM keyboard to proceed to the cardless function page, and then press “ICBC Cardless Withdrawal” function, a QR Code will be displayed on the screen of the ATM; Scan the QR Code of the ATM for proceeding to the “ICBC Cardless Withdrawal” registration page; Input the withdrawal currency, account number, amount, and SMS one-time password (OTP); Upon successful registration, press the “Cash Withdrawal” button on the ATM . The ATM will dispense the relevant amount of cash, and ICBC Cardless Withdrawal is successful.
3.	Does the “ICBC Cardless Withdrawal” capable to any account?
A:	Yes, this function is available for any single name HKD / CNY account of the Bank.
4.	Can I change my personal contact information, such as mobile phone number and email address when I conduct “ICBC Cardless Withdrawal”?
A:	If you already have a Token, you can change your mobile phone number and email address through mobile banking “Me” > “Services and settings” > “Change Contact Information”. Otherwise, please change the above information through our Branches.
5.	Can I adjust the cardless withdrawal limit?
A:	Please go to "Help & Support" tap "Limit Settings" to adjust the "Small-value Fund Transfer Limit" for cardless withdrawal. The daily maximum limit for small-value transfer limit is equivalent to HKD 10,000.
6.	Do I need to make an appointment for “ICBC Cardless Withdrawal”?
A:	No. You only need to login to the mobile banking application, click the “Scan” function in the “…” at the upper right corner of the Homepage to withdraw cash in real time.
7.	Can cardless withdrawal apply to other banks?
A:	No, cardless withdrawal only applies to ICBC (Asia).

Jetco Cardless Withdrawal

1.	What is “Jetco Cardless Withdrawal” service?
A:	"Jetco Cardless Withdrawal" service allows customers to withdraw cash without bringing debit card, customers can quickly complete a cash withdrawal instruction by logging in the ICBC (Asia) Mobile Banking, selecting the withdrawal account, inputting the withdrawal amount and verifying the customer identity by SMS one-time password. Within the instruction, the cash can be dispensed from any Jetco ATM with the "Jetco Cardless Withdrawal" function which provides “Jetco Cardless Withdrawal” service by scanning the QR Code shown on the ATM screen using the Mobile Banking App.
2.	How do I perform the "Jetco Cardless Withdrawal" function?
A:	Step (1): Set up instruction through the function of “Jetco Cardless Withdrawal” in ICBC (Asia) Mobile Banking by following the steps below: Login to the ICBC (Asia) Mobile Banking, under "Transfer & Payment" section, tap “Cardless Withdrawal” to proceed to "Jetco Cardless Withdrawal" instruction page; Input the withdrawal amount and select the withdrawal account; Enter the SMS one-time password (OTP); Complete the cash withdrawal instruction. Step (2):Go to any Jetco ATM with the “Jetco Cardless Withdrawal” function to start the cardless withdrawal Customer must select “Jetco Cardless Withdrawal” at the ATM with the “Jetco” logo on the day of completing the instruction, or else the customer will need to set up the instruction again； After logging in the mobile banking, scan the QR code shown on the ATM screen through the "Scan" or "Jetco Cardless Withdrawal" function; Choose to print "Customer Advice" or directly select “Take Cash”; Collect the customer advice (if selected) and cash.
3.	Can I change my personal contact information, such as mobile phone number and email address when I conduct Cardless Withdrawal?
A:	If you already have a Token, you can change your mobile phone number or email address through mobile banking “Me” > “Services and settings” > “Change Contact Information”. Otherwise, please visit any of our branches to change the information.
4.	Can I adjust the cardless withdrawal limit?
A:	Please go to "Help & Support", tap "Limit Settings" to adjust the "Small-value Fund Transfer Limit" for cardless withdrawal. The daily maximum limit for small-value transfer limit is equivalent to HKD 10,000.
5.	How long in advance do I need to set up instruction for using the "Jetco Cardless Withdrawal" function?
A:	"Jetco Cardless Withdrawal" can be set up the instruction on the day of withdrawal via mobile banking. No matter what time you register on that day, the completed instruction will expire at 24:00 on the same day.
6.	Can "Jetco Cardless Withdrawal" function be applied to other banks?
A:	Yes, you can withdrawal cash at any Jetco ATM with the “Jetco Cardless Withdrawal” service after you have set up“Jetco Cardless Withdrawal” instructions at our mobile banking .
7.	Who can use the “Jetco Cardless Withdrawal” function?
A:	Our customers or other local Jetco member banks’ customers who have eligible integrated account, current account or saving account, and holds the mobile banking app with the function of “Jetco Cardless Withdrawal” can use the service.
8.	Can I edit my “Jetco Cardless Withdrawal” withdrawal instructions?
A:	You can use the “Jetco Cardless Withdrawal” function on mobile banking to modify the transaction instruction before the instruction has expired, re-enter the withdrawal amount or select the debit account, and then confirm with a SMS OTP to change the instruction.
9.	How can I view my transaction details？
A:	The transaction records related to “Jetco Cardless Withdrawal” will be displayed in the transaction details through the electronic channels, including “My Portfolio”, mailing paper statement and e-statement.
10.	What should I do if the ATM fails to dispense cash after scanning the QR code on the ATM screen？
A:	If you encounter this situation, you will receive the SMS notification immediately, the related transaction will be cancelled and the cash will be refunded to the debit account.If you have any enquiries, you can contact our Bank via the Customer Service Hotline at 218 95588.

Touch ID/Fingerprint Transaction Authentication Service

1.	What is Touch ID/Fingerprint Transaction Authentication service?
A:	The Touch ID/Fingerprint Transaction Authentication Service is a function that uses fingerprint(s) registered on your mobile device in lieu of your ICBC (Asia) personal internet banking password to confirm your identity to access the low risk mobile banking transaction services of Industrial and Commercial Bank of China (Asia) Limited (the “Bank”, “ICBC (Asia)”, “We” or “our”). It will bring you a faster and more convenient mobile banking transaction authentication experience. The Bank strongly recommends that you should read, understand and agree to the “Terms and Conditions for the use of the ICBC (Asia) Biometric Authentication Service” before using the service. Also, you should read the mobile banking security tips from time to time via our website (www.icbcasia.com).
2.	Which device is Touch ID/Fingerprint Transaction Authentication Service applicable to?
A:	The Touch ID/Fingerprint Transaction Authentication service is available on Apple iPhone 5s or later iPhone models with an operating system of iOS7 or above, or on Android phones with fingerprint recognition sensors and an operating system of Android 6.0 or above,or such other electronic devices (as we may determine from time to time) that we may enable use with the Touch ID/Fingerprint Transaction Authentication service from time to time. Touch ID/Fingerprint Transaction Authentication service is available on following compatible Android devices: Samsung (Galaxy A9, Galaxy S8, Galaxy S7)，LG (G5)，Huawei(P20 pro, Mate 10, Mate 9, Honor 10), Xiaomi(Xiaomi 8 Lite, Redmi Note4X, Xiaomi 5), Vivo(X9, V11). More devices will be supported in future.
3.	How can I activate the Touch ID/Fingerprint Transaction Authentication service on ICBC (Asia) Mobile Banking Application?
A:	You can activate the "Touch ID/Fingerprint Transaction Authentication" service by following the steps : 1) Transaction Authentication over ICBC (Asia) mobile banking via your personal internet banking user ID and password. 2) Click “Services and settings” under “Me”. 3) Under “Services and settings”, slide the "Touch ID/Fingerprint Transaction Authentication Setting" button to the right. 4) Please read the "Friendly Reminder" and click “Confirm”. Then, read and agree "Terms and Conditions for the use of the ICBC (Asia) Biometric 5) 5) Authentication Service" carefully. 5) Your mobile registered with the Bank will receive a six-digit SMS Authentication code. Please enter the Authentication code within 100 seconds to confirm. 6) Once the authentication is successful, you will be back to the "Service and settings" page and will find that the button next to "Touch ID/Fingerprint Transaction Authentication Setting" is opened which means the "Touch ID/Fingerprint Transaction Authentication" service is activated.
4.	Can I activate the Touch ID/Fingerprint Transaction Authentication service by using the same ICBC (Asia) personal internet banking account on multiple mobiles?
A:	No, you can’t. Each ICBC (Asia) personal internet banking account user ID and password can activate the Touch ID/Fingerprint Transaction Authentication service on ONE mobile only.
5.	If my fingerprint(s) cannot be recognized, can I still use my other personal online banking token to complete the mobile banking transaction authentication?
A:	Yes, you can complete your transaction authentication via your other token at any time.
6.	If there is a fingerprint of another person stored in my mobile, can I still use the Touch ID/Fingerprint Transaction Authentication service?
A:	It is strongly recommended that you should only store your own fingerprint(s) in your mobile. You must remove other person’s fingerprint from your mobile before activation of the Touch ID/Fingerprint Transaction Authentication service. Once the Touch ID/Fingerprint Transaction Authentication service is activated, please note that any fingerprint(s) stored in your mobile can process fingerprint transaction authentication through your mobile banking application.
7.	How can I deactivate the Touch ID/Fingerprint Transaction Authentication service in ICBC (Asia) Mobile Banking Application?
A:	After Transaction Authentication ICBC (Asia) mobile banking application, you can deactivate the Touch ID/Fingerprint Transaction Authentication service by sliding “Touch ID/Fingerprint Transaction Authentication Setting” button to the left under “Service and Settings” under “Me” page.
8.	Will ICBC (Asia) store my fingerprint(s)?
A:	The Bank does NOT collect or store any of your biometric data but cannot guarantee or commit that other parties will not do so.
9.	Under which circumstances the Touch ID/Fingerprint Transaction Authentication Service will be mandatorily suspended?
A:	Your Touch ID/Fingerprint Transaction Authentication service would be suspended under the following circumstances: 1) Your ICBC (Asia) personal internet banking account and/or your mobile banking services is being suspended; 2) You reset or modify your ICBC (Asia) personal internet banking account user ID or password; 3) You terminate your ICBC (Asia) personal internet banking account and/or your mobile banking services via any channels; 4) Any changes of the fingerprints stored in your permitted mobile device (such as adding or removing fingerprints); 5) If the Touch ID/Fingerprint Transaction Authentication Service is activated on multiple permitted mobile devices by using the same ICBC (Asia) personal internet banking account, the Touch ID/Fingerprint Transaction Authentication service would be deactivated on all permitted mobile devices except the last one; 6) If you activate one Touch ID/Fingerprint Transaction Authentication service through ICBC (Asia) mobile banking services application (“Mobile App”) with another ICBC(Asia) personal internet banking account user ID and password on the same permitted mobile device, the originally activated Touch ID/Fingerprint Transaction Authentication service with another ICBC (Asia) account will be deactivated or suspended immediately; 7) You reinstall the Mobile App; or 8) You transfer the Mobile App to another permitted mobile device after backup.
10.	If my mobile which had been activated for using Touch ID/Fingerprint Transaction Authentication Service was lost or being stolen, what should I do?
A:	Of course, you may report the case to police for investigation. Please also inform the case to our customer service representatives immediately. We may suspend your mobile banking service and/or may require you to change your ICBC (Asia) personal internet banking transaction authentication password, and re-register your fingerprint(s) for the usage of Touch ID/Fingerprint Transaction Authentication service.

Notes:
These FAQ are available in both English and Chinese versions. The English version shall prevail in the event of any discrepancy between the two versions. For the completed details of the Touch ID/Fingerprint Transaction Authentication Service, please refer to the “Terms and Conditions for the use of the ICBC (Asia) Biometric Authentication Service”. Should you have any query, please contact our 24 hours customer service hotline at (852) 218 95588.

“Face ID Login Service”(Applicable to iPhone only)

Time Deposit Calculator (Only Applicable to iPhone/Android App only)

1.	What is a Time Deposit Calculator?
A:	Time Deposit Calculator is a tool for calculating and comparing the interest on different Time Deposit products. It helps to choose the most suitable Time Deposit products for you.
2.	How to use the Time Deposit Calculator?
A:	Customers can use this service by clicking “Calculator” button at the top right corner of the Time Deposit page without logging into the mobile banking service. You can input the Time Deposit amount, select the Time Deposit maturity (multiple selection), click the “Please select time deposit product” button and select all the option shown in the page and click “Finish” button. The “Calculator” will show the estimated interest income of the time deposit products for customer reference.

My Portfolio (Applicable to iPhone/Android App only)

1.	Can I enquire all ICBC (Asia) accounts balance through our Mobile Banking Service?
A:	Yes, you can view the balance of registered deposit, credit card, investment and loan accounts via “Service”> “My Portfolio” in Mobile Banking. In addition, you can view your net asset value through “Me” page and hide the amount by clicking on “*” next to the “Net Asset Value” button. If you click “Total Assets” on the “Asset Overview” page, your asset will be clearly presented in pie chart form . Also, if you click the “Deposit” column below, the page will automatically direct to “Asset Overview” page, helping you intimately acquaint with the state of your accounts
2.	What can I do if I cannot view the account information of my own accounts?
A:	If you are not able to view your accounts in “My Portfolio”, please contact our customer representative for details.
3.	Can I enquire deposit account transaction activities through the Mobile Banking Service?
A:	Yes, you can enquire the transaction history up to last 365 days for your bank accounts via Mobile Banking, except for Time Deposit Accounts and Planned Savings Accounts.
4.	Why can’t I find all transactions in the “Log Query” through Mobile Banking Services?
A:	"Log Query" only shows the completed transactions performed via mobile banking. You can view the transaction details through "My Portfolio ".

Login

1.	How can I login “ICBC Securities” to perform securities account enquiry and securities trading?
A:	You can login by your existing username/ account no./ card no. and password of ICBC(Asia) Mobile Banking or Personal Internet Banking on this application, then enter the SMS verification code according to the instruction. Afterwards, you will successfully login your ICBC(Asia) e-banking account and perform securities account enquiry and securities trading.
2.	If I have not applied ICBC(Asia) e-banking account, how can I apply?
A:	If you have applied ICBC(Asia) ATM card or credit card and the PIN respectively, you can enter the relevant information according to the instruction and apply e-banking account via “Register Now” on the login page of Personal Internet Banking or Mobile Banking.
3.	If I have not applied ICBC(Asia) securities account, how can I apply?
A:	You can apply via Personal Internet Banking “Account Services>Apply Account> Apply for Account Opening”, it will be effective upon one working day after successful application.
4.	Why are mobile no. and email address required to register in ICBC(Asia) to receive SMS verification code and email notification before logging on “ICBC Securities”?
A:	To comply with the latest requirement by Hong Kong regulatory institution and prevent unauthorized securities transactions, two-factor authentication and email notification are required for online securities account enquiry and transactions to ensure your account safety.
5.	If I need to change the mobile no. for receiving SMS verification code or the email address for notification, how can I arrange?
A.	If you have a Password Token, please change via ICBC(Asia) Mobile Banking “Me>Service and Setting>Change Contact Information” or Personal Internet Banking “Electronic Services>Security Center>Personal Information Enquiry/Modification”. If you do not have a Password Token, please arrange via any of our branches.

Transaction (general information)

Do I need to pay the service charges for using the “ICBC Securities” services?

Service charges are required for online securities trading services, including securities brokerage, transaction levy, stamp duty and clearing fees. For more information on securities service fees, please click here for details.

Does “ICBC Securities” provide real-time stock quote?

For real-time stock quote, you will get a fixed number (basic:300, eAge Banking: 400, Elite Club/Private Banking: 500) of FREE real-time quotes at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free real time quotes. Usage in excess of your free quote entitlement for the month will be charged at HKD0.10 per quote for the relevant month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE real time quote will be forfeited automatically upon expiry of the month.

What are the service hours of “ICBC Securities”?

Our online Securities Services offered through “ICBC Securities” are available during the following hours:

Service	Service Hours
Enquiry Services	24 hours per day
Securities Trading	24 hours per day
• At-Auction Limit Order	Anytime (except after Order Match (Pre-opening session) to 4:00 p.m. on trading day); Input New Order during trading period will be effective on the same trading day, after trading session, you can input order for next trading day.
• Enhanced Limit Order	Anytime (except Closing Auction Session) Input New Order during trading period will be effective on the same trading day; after trading session, you can input order for next trading day.
• Odd-Lot Sell	Input same day order from 8:00am - 4:00pm on trading day.

What kind of securities can be traded on “ICBC Securities”?

At present, all stocks and warrants listed on the Stock Exchange of Hong Kong can be traded on “ICBC Securities”. "At-auction Limit Order" and "Enhanced Limit Order" are applicable for HK stocks. Also, the listed SSE/SZSE stocks can also be traded on “ICBC Securities”.

How does the system process order for next trading day?

For order placed after trading session, please note:
1. System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
2. Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again.
3. Order can only be cancelled, but not modified, after placed.
4. You can amend the order after 8:00 am on the trading day. Alternatively, you can cancel and then re-submit the order.

Do I have to input the order quantity in the board lot size?

Odd lot size and board lot size orders of HK Stocks will be accepted for buy and sell orders on “ICBC Securities”, odd lot size orders will be also accepted for sell orders. For SSE/SZSE stocks, board lot size will be accepted for buy orders and non-board lot size orders will be accepted for sell orders.

How long does the order last?

Please read the expiry date when you input an order. In normal case, input new order during trading period will be effective on the same trading date. After trading session, you can input order for next trading day.

How can I know my order has been received or executed by the Bank?

After you place an order via Internet Securities Services channel, an order acknowledgement will be promptly issued with a unique reference number, which ensures that the order has been received by the Bank. After the order has been executed, subsequent e-mail or mobile short message will also be delivered to you indicating the current order status. You may also check the real-time status of specific orders on “Trading> Query> Order Status Enquiry” on “ICBC Securities”. Please note that duplicated orders will be treated and processed separately.

How long will be previous orders kept on “Order Status Enquiry”?

“Order Status Enquiry” will show orders placed on internet/ mobile channels in the past 10 days.

10.

How can I amend or cancel my order?

You may amend or cancel any outstanding order by accessing “Trading> Amend” on “ICBC Securities”. Our system will then pass your instruction to Stock Exchange of Hong Kong upon receiving your request. Please note: Orders for next trading day only be cancelled, but not modified, after placed. You may amend the order after 8:00am on the trading date. Alternatively, you can cancel and then re-submit the order. For SHHK/SZHK order can only be cancelled, but not modified, after placed.

11.

Will someone call and notify me for the order execution results?

No personal phone calls will be given for orders placed via Internet Securities Services channel, you can check the latest order status on “Trading> Query> Order Status Enquiry”. If you have selected to receive notification by email and/or SMS, you will receive the notification when the order is "Fully Executed" or "Rejected". "Partially Executed" Order status will also be sent out after trading period.

12.

If I have placed an order through “ICBC Securities”, can I amend or cancel that order via Manned Securities Trading Hotline or branches?

For security reasons, please use the original channel where you have placed your order to amend or cancel the order. In case of system failure, you can also amend or cancel that order via the Enquiry Hotline.

13.

Whether the execution of transaction will affect my account portfolio in the same day?

Yes, once an order is executed, your account position will be updated immediately

14.

Can I use the pending stock or fund from recent buy/sell order before its settlement?

Yes.

15.

How can I check my portfolio balance and securities on hand?

You may access to “Trading> Holding” to check your account balance, settlement details and holding securities.

16.

How can I review my recent transaction history?

You may access to “Trading> Query> Transaction History” and check the trade transactions performed within the last 60 trading days (excluding the current trading day).

17.

How can I check stock prices or indices?

You can check the delayed stock quote on “Home”, “Market” and “Watchlist”. You may also click the button of "Quote" on “Buy” or “Sell” of “Trading” for getting the real-time quote. The service is provided by Shenzhen Fortune Trend Tech Co.,Ltd.

18.

What is Quote Meter?

The Quote Meter shows your monthly real-time quote entitlement and usage, which can be enquired on “Buy” or “Sell” of “Trading”. You will get a fixed number of FREE real-time quote at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free real-time quotes. Real-time quotes used in excess of your free entitlement for the month will be charged at HKD0.10 per quote for that month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE real-time quote will be forfeited automatically upon expiry of the month.

19.

How to calculate transaction costs of various orders?

The system will instantly provide you with the total costs in different cost components for your reference on the confirmation page of each buy/sell order.

20.

Under what situation should I pay for Italian Financial Transaction Tax (“FTT”) and how the tax amount determined?

Customers who trade shares issued by Italian resident companies (e.g. Stock Code 1913 Prada S.P.A.) which listed on The Stock Exchange of Hong Kong Limited via our Bank are required to pay for the Italian FTT. The tax rate is 0.1%. Calculation method:Italian FTT is calculated based on daily net increase of customer's beneficial holding of the same share at account level on each settlement day x weighted average purchase price x 0.1%. The Italian FTT also applies to the derivatives of the above-mentioned stocks. For more details, please visit HKEx Website or refer to our Bank for assistance. The above tax rate and calculation method etc. of Italian FTT may be subject to changes or further clarification on the Italian FTT law. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. Customers should seek independent professional advice if they have any query or further enquiry regarding the Italian Financial Transaction Tax law.

21.

Am I required to select trade status notification?

Yes, you must select to receive trade status notification(s). You may select to receive SMS notification, and email notification is compulsory. If you wish to cancel SMS notification, please update on “Trading> Trade Notification Setting”. Your trade status notification(s) will be sent to the mobile no. and/or email address registered in our Bank. If you wish to change your contact information, please change via ICBC(Asia) Mobile Banking “Me> Service and Setting> Change Contact Information” or Personal Internet Banking “Electronic Services>Security Center>Personal Information Enquiry/Modification” with Password Token. If you do not have a Password Token, please arrange via any of our branches.

22.

Am I required to select trade status notification?

22.

How to deposit / withdraw share certificate?

Our branches do not provide Share Certificate Deposit / Withdrawal Service, customer can visit our bank service counter at Level 36, Tower 1, Millennium City 1, 388 Kwun Tong Road, Kwun Tong, Kowloon for the service, the service hour is Monday to Friday from 9:30am to 5:00pm.

23.

How can I contact the Bank for assistance on Internet Securities Services?

Should you encounter any difficulty in placing orders via the internet channels, you may call our 24-hour hotline at (852) 2189 5588, our Customer Service Officers will assist you regarding Internet Securities Services queries.

Transaction (HK Stock)

What are the trading sessions and the trading mechanism?

From 9:00 a.m. to 9:30 a.m. - Pre-opening Session
- Only POS securities will be processed. For details, please refer to HKEX web page.
- Only At-auction Limit Order will be placed to the market for matching.
- If you have placed your At-auction Limit Order, you are advised to check your order between 9:00 a.m. to Order Matching whether it has been successfully accepted and, if not, you may re-input your order before Order Matching. If your At-auction Limit Order price deviates 1.15 times or more from the market price, or is 0.85 times or less of that price, your order might be rejected by HKEX. Every order cannot involve more than 3,000 lots of shares.
- At-auction Limit Order(s) cannot be modified or cancelled after 9:15 a.m.
- After order matching in the Pre-opening Session, unfilled At-auction Limit Order will be converted to Limit Order and carried forward into the Continuous Trading Session after 9:30 a.m. on the same day.
From 9:00 a.m. to 09:15 a.m. - Order Input Period
- Input / Amend / Cancel Instructions are allowed.
- Input of new at-auction limit order with price inside the price limit (within ± 15% from previous closing price) will be submitted to the market. (NOT applicable to pre-defined scenarios: In the absence of the Previous Closing, IPO stocks and stock resuming, etc. For details, please refer to HKEX web page.)
From 9:15 a.m. to 9:20 a.m. - No cancellation Period
- Amend / Cancel instructions are not allowed.
- Buy / Sell orders with price aligned with HKEX’s requirement are allowed to input.
From 9:20 a.m. to 9:22 a.m. - Random Matching Period
- Amend / Cancel instructions are not allowed.
- Buy / Sell orders with price aligned with HKEX’s requirement are allowed to input.
- Order Matching will perform randomly within 2 minutes.
From 9:30 a.m. to 4:00 p.m - Continuous Trading Session
- Enhanced Limit Order will be placed to market for execution.
- Enhanced Limit Order will allow matching of up to ten price queues at a time. Unfilled quantity after matching will be stored in the system as a normal limit order at the input order price.
- Enhanced Limit Order may not be successfully accepted by "HKEX" if the order price is better than the tenth price queue.
From 4:00 p.m. to 4:10 p.m. – Closing Auction Session
- At-auction Limit Order will be processed CAS Securities only.
From 4:00 p.m. to 4:01 p.m. – Reference Price Fixing Period
- You can input the order instructions during this period. Please check whether the order has been successfully accepted after 4:01 p.m.
From 4:01 p.m. to 4:06 p.m. – Order Input Period
- At-auction limit orders within the ±5% price limit can be entered on CAS securities. Outstanding orders can also be amended or cancelled during this period.
From 4:06 p.m. to 4:08 p.m. – No Cancellation Period
- At-auction limit orders can be entered. The prices of new at-auction limit orders must be between the lowest ask & highest bid recorded at the end of Order Input Period (i.e. recorded at 16:06), and no orders can be amended or cancelled.
From 4:08 p.m. to 4:10 p.m. – Random Closing Period
- The order rules from the No Cancellation period apply and the market closes randomly within two minutes.

What is a "At-auction Limit Order" and "Enhanced Limit Order"?

"At-auction Limit Order" is a limit order with a specified price which should not deviate 1.15 times or more from the market price, or is 0.85 times or less of that price. After order matching in the pre-opening session, unfilled at-auction limit orders will be converted to limit orders at the input price and carried forward to the continuous trading session.
"Enhanced Limit Order" is similar to a limit order. An Investor should give clear instructions about the highest price or lowest price he is willing to pay or dispose. It will allow matching of up to ten price queues at the same time. The input order price of an Enhanced Limit Order can be matched up to nine spreads better than the best price on the other side of the market. Any unfilled quantity of an Enhanced Limit Order after matching will be converted into a Limit Order at the input order price. The Bank accepts order price within 200 spreads of the market price. The Enhanced Limit Order will be passed to the HKEX for processing once it falls within the 15 spread range of the market prices. Any subsequent amended order price that deviate more than 24 spreads of the market price might be rejected by HKEX.

What is HKEX's spread table?

Prices of Securities (HKD)	Minimum Spread (HKD)
0.01 - 0.25	0.001
0.25 - 0.5	0.005
0.5 - 10	0.01
10 - 20	0.02
20 - 100	0.05
100 - 200	0.10
200 - 500	0.20
500 - 1,000	0.50
1,000 - 2,000	1.00
2,000 - 5,000	2.00
5,000 - 9,995	5.00

How do I know the status of my trade order?

Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:

Status Message	Description
Waiting Placed	The order has not been executed and is waiting for the response of the stock exchange.
Placed	The order has been placed at the market and is queued for execution.
Fully Executed	All quantities of the order have been successfully traded in the market.
Partially Executed	Only part of the order quantities have been successfully traded in the market.
Waiting Modified	The modification instruction has not been executed and is waiting for the response of the Stock Exchange.
Modified	The order has been successfully modified according to your specification.
Waiting Cancelled	The cancellation instruction has not been executed and is waiting for the response of the Stock Exchange,or waiting for release the hold fund.
Cancelled	The order has been successfully cancelled.
Partial Cancelled	Only part of the order quantities have been successfully cancelled.
Placement Rejected	Sorry, your Buy/Sell order is rejected with the following details:
Cancellation Rejected	Sorry, your cancellation instruction is rejected with the following details:
Modification Rejected	Sorry, your modification instruction is rejected with following details:
Waiting Process	Order is waiting for processing. Please make sure the settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
Price Monitoring	Order is monitored by system. It will be passed to the HKEX for processing once it falls within the 15 spread range of the market price,in continuous trading session, or will be passed to the HKEX for processing once it falls within the scope of price limit in closing auction session.

How does the Bank handle the orders when typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued ?

If typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued, the Bank will handle the orders as described below :
a. Before pre-opening session starts
When pre-opening session starts, the auction limit orders placed via the Bank will be sent to HKEX as usual. Other orders will be handled in Continuous trading session and sent out to HKEX' once they fall within the conditions as defined by the Bank from time to time.
b. When trading in the pre-opening session is suspended but resumes either in the morning session or afternoon session
If the HKEx's trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons, At-Auction Limit orders you have placed may not be successfully accepted. When the trading operation is resumed in the morning / afternoon session, the Bank will monitor the orders, orders will be transmitted to HKEx's AMS/3 once they fall within the conditions as defined by the Bank from time to time. The Bank reserves the right to amend the above operation from time to time.

How will the HK stock odd lots be sold?

The HK stock odd-lot order will be executed manually, which may take longer processing time. The odd lot orders will be traded at the prevailing odd lot market prices. The odd lot market price will usually be lower than the prevailing board lot market price and the transaction amount may not be able to cover the transaction fee. The Bank reserves the right to reject such order. If you sell a stock more than once a day, your transactions would be combined into one sell order (including odd lot shares), so as to save more for you.

Can I amend odd-lot order?

Odd-lot sell order can only be cancelled by cannot be modified after placed.

Transaction (SHHK/SZHK Stock Connect)

How can I apply for Shanghai-Hong Kong (SHHK) Stock Connect and Shenzhen-Hong Kong (SZHK) Stock Connect Trading Service?

After you have opened securities account and registered CNY settlement account, you may participate in Northbound Trading Service by accepting the terms & conditions and customer declaration of SHHK and SZHK, and the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading. You can accept the terms & conditions and customer declaration of SHHK and SZHK, and the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading via Internet Banking / Mobile Banking on the page of ‘Application for SHHK/SZHK Stock Connect Northbound Trading Services’, or you may visit any of our branches to apply the trading service. It would normally take about 3-4 working days to become effective.

Why need to sign the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading?

According to the HKEx announcement, Northbound Investor ID Model has to be implemented on 26 September 2018, you are required to provide your authorization and consent to the Bank to the collect, store, use, disclose and transfer the personal data relating to you as required as part of our Stock Connect Northbound Trading Services. For more details, please refer to the HKEx website.

What will be the impact if the customer does not agree the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading?

If you do not agree the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading, the Bank could only input Northbound sell order (but not any Northbound buy order) for you.

For SSE/SZSE securities, all securities transactions are settled in HKD?

No. The stock connect in Northbound transactions are settled in RMB. You must open CNY account under the securities account for all SSE/SZSE securities transactions.

Do I need to pay for the transactions of SSE/SZSE securities by Internet Banking / Mobile Banking Securities Services?

Charges incurred from the transaction are required to be paid for online securities trading services, including but not limited to securities brokerage, handling fee, securities management fee, transfer fee and stamp duty. For more information on securities service fees, please check our service charges for details.

How long does the SHHK/SZHK order last?

Please read the expiry date when you input a SHHK/SZHK order. Input new order during trading period will be effective on trading date, after trading session, you can input order for next trading day.

How does the system process the SHHK/SZHK order for next trading day?

For order placed after trading session, please note:
1. System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
2. Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again.
3. Order can only be cancelled, but not modified, after placed.
4. If you want to amend the order, you can cancel and then re-submit the order.

Can I use the funds from selling in Northbound securities to buy a new securities in Northbound, while the funds will be settled in the next trade day?

Yes.

How do I know the SSE/SZSE securities trading status of my trade order?

Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:

Status Message	Description
Waiting Placed	The order has not been executed and is waiting for the response of the stock exchange.
Placed	The order is waiting for the response of the SSE/SZSE. Or the order has been placed at the market and is queued for execution.
Fully Executed	All quantities of the order have been successfully traded in the market.
Partially Executed	Only part of the order quantities have been successfully traded in the market.
Waiting Cancelled	The cancellation instruction has not been executed and is waiting for the response of the Stock Exchange.
Cancelled	The order has been successfully cancelled.
Partial Cancelled	Only part of the order quantities has been successfully cancelled.
Placement Rejected	Sorry, your Buy/Sell order is rejected.
Cancellation Rejected	Sorry, your cancellation instruction is rejected.
Waiting Process	Order is waiting for processing. Please make sure the settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.

10.

What are the service hours for trading of Northbound Securities?

Trading Sessions	SSE/SZSE	Input orders into China Stock Connect System (CSC)
Opening Call Auction		09:15 - 09:25	09:10 - 11:30
Continuous Auction (Morning)		09:30 - 11:30	09:10 - 11:30
Continuous Auction (Afternoon)	13:00 - 14:57	12:55 - 15:00
Closing Call Auction	14:57 - 15:00	12:55 - 15:00

11. What are the main features for Northbound Trading Service? A:

	SSE	SZSE
Eligible Stocks (Please refer to the HKEX website for the list of eligible stocks in Northbound trading)	Constituent stocks of the SSE 180 Index and SSE 380 Index, A shares of SSE-SEHK A+H (with market capitalisation at least RMB 6 Billion)	Constituent stocks of the SZSE Component Index, SZSE Small/Mid Cap Innovation Index, A shares of SZSE-SEHK A+ (with market capitalisation at least RMB 6 Billion)
Currency	RMB
Stock Code	Must be 6 digits
Lot Size	100 shares (must be lot sizes by buy order)
Price Spread	RMB 0.01
Max Order Size	1 million shares
Price Limit	There is a general price limit of ±10% .
Trading Restrictions	Day trading is not allowed.
Amend Order	Order amendment is not allowed.
Order Types	Limit orders only (Limit orders can be matched at the specified or better price)
Odd Lot Trading	Odd lot trading is allowed for sell order only (The matched quantity of a board lot buy/sell order can eventually include odd lot.)
Settlement Cycle	Money settlement for Northbound trades: T+1 day

12. Can I withdraw the physical scrip securities through Northbound Stock Connect? A: No. Since SSE/SZSE Securities are issued in scripless form, physical deposits and withdrawals of SSE/SZSE Securities into/from the CCASS Depository are not available. Investors can only hold SSE/SZSE Securities through their brokers/custodians. Investors’ ownership of such is reflected in their brokers/custodians’ own records such as client statements. 13. What is the arrangement under Holiday conditions? A: Northbound trading only available on both markets are business day and providing settlement service. 14. For SSE/SZSE securities, are we protected by Hong Kong investor compensation fund? A: No. The current Investor Compensation Fund does not cover any Northbound activities. 15. Can I subscribe for SSE/SZSE Securities IPO? A: No. SSE/SZSE securities do not support initial public offering. 16. What is the contingency arrangement under severe weather conditions? A: a. If typhoon signal number 8 or above and/or black rainstorm warning is issued in Hong Kong before the Hong Kong market opens, Northbound trading will not open. For details, please refer to the HKEX website.
b. If typhoon signal number 8 or above is issued in Hong Kong after SSE’s and SZSE’s market have opened, trading will continue for 15 minutes during which order input and cancellation will be allowed. After 15 minutes, only order cancellation is allowed until the close of SSE’s market or SZSE’s market.

RMB Denominated Stock Services

1.	How to trade RMB denominated stock via “ICBC Securities”?
A:	Please be aware that you must fulfill the following criteria before trading RMB denominated stock via Internet Banking services. You have applied Consolidated Investment account (Securities) with Internet banking services. You have applied RMB account and registered it as the Securities settlement account (Only available to Hong Kong Identity Card holders). Personal Customers: You can apply via "Securities">"Securities"> "Register CNY Settlement Account" using the horizontal menu, and “Investments”>"Securities">" Register CNY Settlement Account" using the vertical menu on Internet Banking. If you do not have any RMB account, please apply a new account via Internet Banking or branches. Joint Name or Company Customers: Please visit any branch to apply RMB account and register the RMB settlement account. Please ensure your RMB account has sufficient balance. For personal customers, the maximum total daily exchange limit is CNY20,000 per customer.
2.	Can I select HKD account for trading RMB denominated stock? Or select RMB account for trading HKD denominated stock?
A:	No. The securities and settlement account must have the same currency denomination, please ensure your relevant account has sufficient balance. Moreover, the account balance, pending settlement amount and investable amount for the HKD and RMB settlement accounts are calculated separately.
3.	Is there any difference between trading securities in HKD and RMB via “ICBC Securities”?
A:	The trading hours and service functionality are basically the same between securities in HKD and RMB. However, RMB denominated securities transaction will be settled in RMB (including but not limited to, subscription/share price, brokerage commission, stamp duty, Securities and Future Commission ("SFC") levy, SEHK trading fee, and other fees and charges). For any fees and charges that involve exchange of RMB against HKD, it will be calculated based on the exchange rate published by the Stock Exchange of Hong Kong Limited ("SEHK") on the same trading day.
4.	How to calculate stamp duty for non-HKD listed products?
A:	The stamp duty rate is 0.1% of the transaction amount for securities. For stamp duty purposes, if the transaction amount is in a currency other than HKD, it should be converted into HKD by using the exchange rate determined by the HKEx. For example, Purchase of 10,000 XYZ shares @RMB 12.52 on T day Exchange rate: 1.176 for T day Step 1: Transaction Amount in HK$ equivalent: 10,000 x RMB12.52 x 1.176 = HK$147,235.20 Step 2: Stamp duty in HK$: HK$147,235.20 x 0.1% = HK$148 (round up to the nearest $) The exchange rates for each trading day are made available on the HKEx website by 11:00 am or earlier on that day. You may check the exchange rates at: http://www.hkex.com.hk/eng/market/sec_tradinfo/stampfx/2011stampfx.htm
5.	What are the risks for trading RMB denominated securities ?
A:	Investment involves risk. The prices of the securities may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. Investors should carefully consider all of the information in the offering documents including the risks and uncertainties prior to making an investment in the RMB denominated securities. RMB is not freely convertible. Conversion between RMB and foreign currencies (including Hong Kong dollar) is subject to PRC regulatory restrictions which may affect the liquidity of the RMB denominated securities. As RMB denominated securities are new types of product, there may not be regular trading or active market. Therefore you may not be able to sell your investment on a timely basis, or you may have to sell the product at a deep discount to its value. Exchange rate risk - the Hong Kong dollar value of your investment will go down if the RMB depreciates against the Hong Kong dollar.
6.	Does the bank provide margin service for trading RMB denominated securities?
A:	No.

Securities

How can I apply for the Mobile Banking Securities Services?

You may apply new "Consolidated Investment Account - Securities (Cash)" via Internet Banking (for Personal Customers only) or visit any of our branches to apply for a "Consolidated Investment Account - Securities (Cash)" and complete the Mobile Banking Securities Services application. Before you open a "Consolidated Investment Account - Securities (Cash)" with us, it is a prerequisite for you to maintain a HKD current or statement account, which will be used for the trade settlements arising from securities trading.

If I already have a "Consolidated Investment Account - Securities (Cash)" with ICBC(Asia), can I use the Mobile Banking Securities Services immediately?

Yes, you can use Mobile Banking Securities Services after a business day when account successfully opened.

Do I need to pay for using the Mobile Banking Securities Services?

Service charges is needed to be paid for Mobile Banking securities trading services, including securities brokerage, transaction levy, stamp duty and clearing fees. For more information on securities service fees, please click here for details.

Do Mobile Banking Securities Services provide real time stock quote?

For real time stock quote, you will get a fixed number of FREE real time quotes at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free real time quotes. Usage in excess of your free quote entitlement for the month will be charged at HKD0.10 per quote for the relevant month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE real time quote will be forfeited automatically upon expiry of the month.

What are the service hours of Mobile Banking Securities Services?

Our Mobile Banking Securities Services offered through internet is available during the following hours:

Service	Service Hours
Enquiry Services	24 hours per day
Securities Trading	24 hours per day
• At-Auction Limit Order	Anytime (except after Order Matching (Pre-opening session) 4:00 p.m. on trading day); Input New Order during trading period will be effective on the same trading day, after trading session, you can input order for next trading day.
• Enhanced Limit Order	Anytime (except Closing Auction Session) Input New Order during trading period will be effective on the same trading day; after trading session, you can input order for next trading day.
• Odd-Lot Sell	Input same day order from 8:00am - 4:00pm on trading day.

Note: If the HKEX's trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons, the order(s) you have placed may not be successfully accepted.

What are the trading sessions and the trading mechanism?

From 9:00 a.m. to 9:30 a.m. - Pre-opening Session
- Only POS securities will be processed. For details, please refer to HKEX web page.
- Only At-auction Limit Order will be placed to the market for matching.
- If you have placed your At-auction Limit Order, you are advised to check your order between 9:00 a.m. to Order Matching whether it has been successfully accepted and, if not, you may re-input your order before Order Matching. If your At-auction Limit Order price deviates 1.15 times or more from the market price, or is 0.85 times or less of that price, your order might be rejected by HKEX. Every order cannot involve more than 3,000 lots of shares.
- At-auction Limit Order(s) cannot be modified or cancelled after 9:15 a.m.
- After order matching in the Pre-opening Session, unfilled At-auction Limit Order will be converted to Limit Order and carried forward into the Continuous Trading Session after 9:30 a.m. on the same day.
From 9:00 a.m. to 09:15 a.m. - Order Input Period
- Input / Amend / Cancel Instructions are allowed.
- Input of new at-auction limit order with price inside the price limit (within ± 15% from previous closing price) will be submitted to the market. (NOT applicable to pre-defined scenarios: In the absence of the Previous Closing, IPO stocks and stock resuming from trading suspension, etc. For details, please refer to HKEX web page.)
From 9:15 a.m. to 9:20 a.m. - No cancellation Period
- Amend / Cancel instructions are not allowed.
- Buy / Sell orders with price aligned with HKEX’s requirement are allowed to input.
From 9:20 a.m. to 9:22 a.m. - Random Matching Period
- Amend / Cancel instructions are not allowed.
- Buy / Sell orders with price aligned with HKEX’s requirement are allowed to input.
- Order Matching will perform randomly within 2 minutes.
From 9:30 a.m. to 4:00 p.m. - Continuous Trading Session
- Enhanced Limit Order will be placed to market for execution.
- Enhanced Limit Order will allow matching of up to ten price queues at a time.Unfilled quantity after matching will be stored in the system as a normal limit order at the input order price.
- Enhanced Limit Order may not be successfully accepted by "HKEX" if the order price is better than the tenth price queue.
From 4:00 p.m. to 4:10 p.m. – Closing Auction Session
- At-auction Limit Order will be processed CAS Securities only.
From 4:00 p.m. to 4:01 p.m. – Reference Price Fixing Period
- You can input the order instructions during this period. Please check whether the order has been successfully accepted after 4:01 p.m.
From 4:01 p.m. to 4:06 p.m. – Order Input Period
- At-auction limit orders within the ±5% price limit can be entered on CAS securities. Outstanding orders can also be amended or cancelled during this period.
From 4:06 p.m. to 4:08 p.m. – No Cancellation Period
- At-auction limit orders can be entered. The prices of new at-auction limit orders must be between the lowest ask & highest bid recorded at the end of Order Input Period (i.e. recorded at 16:06), and no orders can be amended or cancelled.
From 4:08 p.m. to 4:10 p.m. – Random Closing Period
- The order rules from the No Cancellation period apply and the market closes randomly within two minutes.

What channels available to place Securities order?

Customers can place the order via Internet Banking or Mobile Banking (for Personal Customers only), Automated Phone Securities Services (218 95588) and designated branches.

How does the Bank handle the orders when typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued?

If typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued, the Bank will handle the orders as described below :
a. Before pre-opening session starts When pre-opening session starts, the auction limit orders placed via the Bank will be sent to HKEX as usual. Other orders will be handled in Continuous trading session and sent out to HKEX' once they fall within the conditions as defined by the Bank from time to time.
b. When trading in the pre-opening session is suspended but resumes either in the morning session or afternoon session
If the HKEx's trading session is cancelled due to typhoon, Black Rainstorm Warning or any other reasons, At-Auction Limit orders you have placed may not be successfully accepted. When the trading operation is resumed in the morning/ afternoon session, the Bank will monitor the orders, orders will be transmitted to HKEx's AMS/3 once they fall within the conditions as defined by the Bank from time to time. The Bank reserves the right to amend the above operation from time to time.

What are the features of Mobile Banking Securities Services?

Mobile Banking Securities Services provide the following key functions: Securities trading in the Hong Kong Stock Exchange via AMS/3 system. Comprehensive portfolio overview of both settlement account and securities account. Real-time/Delayed stock quote.

10.

What kind of securities can be trading through Mobile Banking Securities Services?

At present, all stocks and warrants listed on the Stock Exchange of Hong Kong can be traded through the Moblie Banking Securities Services. "At-auction Limit Order" and "Enhanced Limit Order" can be applicable on our Mobile Banking Securities Services.

11.

Do I need to pay when using the Mobile Securities Trading Services?

There is no extra charge for our Mobile Securities Trading Services. It allows you to trade anytime and anywhere with a mobile handset or tablet. For real time stock quote, you are entitled to a fixed numbers of free real-time quotes. For each successful buy/sell transaction, 100 additional free real-time quotes will be given. If the real time quote usage is in excess of the free entitlement per month, HKD0.10 per quote will be charged for the relevant month. The charge will be rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused free real-time quote will be forfeited automatically upon expiry of the month.

12.

What is the difference for placing order via Mobile Banking and other channels?

	Mobile Banking	Manned Phone Investment Services	Securities Trading Hotline
Enhanced Limit Order	System accepts order price within 200 spreads of the market price. The Enhanced Limit Order will be passed to the HKEX for processing once it falls within the 15 spread range of the market prices.	System will not monitor the order price. If the order price you place deviates more than 24 spreads of the market price, your order might be rejected	System will not monitor the order price. If the order price you input deviates more than 24 spreads of the market price, your order might be rejected
Order Input Period	Can Input anytime (Cannot input ALO from Pre-opening session Order Matching to 4:00 p.m. on trading day ) Input New Order during trading period will be effective on the same trading day, after trading session, you can input order for next trading day.	Can place order from 8:00am to 4:00pm on trading day.	Can place order from 8:00am to 4:00pm on trading day.
Sell Odd-Lot	Yes	Yes	No

Note: At-Auction Limit order has the same processing logics for all channels. If your At-auction Limit Order price deviates 1.15 times or more from the market price, or is 0.85 times or less of that price, your order might be rejected by HKEX (Except Closing Auction Session).

13.

What is HKEX's spread table?

Prices of Securities (HKD)	Minimum Spread (HKD)
0.01 - 0.25	0.001
0.25 - 0.5	0.005
0.5 - 10	0.01
10 - 20	0.02
20 - 100	0.05
100 - 200	0.10
200 - 500	0.20
500 - 1,000	0.50
1,000 - 2,000	1.00
2,000 - 5,000	2.00
5,000 - 9,995	5.00

14.

How does the system process order for next trading day?

1. System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
2. Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again.
3. Order can only be cancelled, but not modified, after placed.
4. You can amend the order after 8:00 am on the trading day. Alternatively, you can cancel and then re-submit the order.

15.

How to place an order?

If you want to place your order, please select the Buy/Sell indicator category in the Mobile Banking "Securities Services" > "HK Stock" / "SHHK/SZHK STOCK Connect" > Buy/Sell Stock". Enter and confirm the type of trading, stock number, the target quantity and price before clicking on the “Execute” button and sending your instruction.

16.

Do I have to input the order quantity in the board lot size?

Yes. Odd lot size orders will not be accepted.

17.

How will the odd lots be sold?

The odd-lot order will be executed manually, which may take longer processing time. The odd lot orders will be traded at the prevailing odd lot market prices. The odd lot market price will usually be lower than the prevailing board lot market price and the transaction amount may not be able to cover the transaction fee. The Bank reserves the right to reject such order. If you sell a stock more than once a day, your transactions would be combined into one sell order (including odd lot shares), so as to save more for you.

18.

Can I amend odd-lot order?

Odd-lot sell order can only be cancelled, but not modified, after placed.

19.

How long does the order last?

Please read the expiry date when you input an order. In normal case, input new Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.

20.

How long will previous orders be kept on my order status?

The order status will show orders placed in the past 10 days

21.

How can I know my order has been received or executed by the Bank?

After you place an order via Mobile Banking Securities Services channel, an order acknowledgement will be promptly issued with a unique reference number, which ensures that the order has been received by the Bank. After the order has been executed, subsequent e-mail or mobile short message will also be delivered to you indicating the current order status. You may also check the real-time status of specific orders using the Order Status option of Mobile Banking Securities Services. Please note that duplicated orders will be treated and processed separately.

22.

How can I amend or cancel my order?

You may amend or cancel any outstanding order by going to the Amend an Order or Cancel an Order page. Our system will then pass your instruction to Stock Exchange of Hong Kong upon receiving your request. Please note: Orders for next trading day only be cancelled, but not modified, after placed. You may amend the order after 8:00am on the trading date. Alternatively, you can cancel and then re-submit the order.

23.

How will I be notified of the execution results?

No personal phone calls will be given for orders placed via Mobile Banking Securities Services, you can read "Order Status" for the result. If you have selected to receive notification by email and/or SMS, you will receive the notification when the order is "Fully Executed" or "Rejected". "Partially Executed" Order status will also be sent out after trading period.

24.

How do I know the status of my trade order?

Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:

Status Message	Description
Waiting Placed	The order has not been executed and is waiting for the response of the stock exchange.
Placed	The order has been placed at the market and is queued for execution.
Fully Executed	All quantities of the order have been successfully traded in the market.
Partially Executed	Only part of the order quantities have been successfully traded in the market.
Waiting Modified	The modification instruction has not been executed and is waiting for the response of the Stock Exchange.
Modified	The order has been successfully modified according to your specification.
Waiting Cancelled	The cancellation instruction has not been executed and is waiting for the response of the Stock Exchange,or waiting for release the hold fund.
Cancelled	The order has been successfully cancelled.
Partial Cancelled	Only part of the order quantities have been successfully cancelled.
Placement Rejected	Sorry, your Buy/Sell order is rejected with the following details:
Cancellation Rejected	Sorry, your cancellation instruction is rejected with the following details:
Modification Rejected	Sorry, your modification instruction is rejected with following details:
Waiting Process	Order is waiting for processing. Please make sure the settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
Price Monitoring	Order is monitored by system. It will be passed to the HKEX for processing once it falls within the 15 spread range of the market price,in continuous trading session, or will be passed to the HKEX for processing once it falls within the scope of price limit in closing auction session.

25.	If I have placed an order through Mobile Banking Securities Services, can I amend or cancel that order via Securities Trading hotline?
A:	For security reasons, please use the original channel where you have placed your order to amend or cancel the order. In case of system failure, you can also amend or cancel that order via the Enquiry Hotline.
26.	Whether the execution of transaction will affect my account portfolio?
A:	Yes, once an order is executed, your account position will be updated immediately.
27.	Can I use the pending stock or fund from recent buy/sell order before its settlement?
A:	Yes.
28.	How can I check my portfolio balance and securities on hand?
A:	You may go to “Securities Services> My Stock” page to check your account balance, settlement details and securities held by you at a quick glance.
29.	How can I review my recent transaction history?
A:	You may go to “Securities Services> Transaction History” screen and check the trade transactions performed within the last sixty trading days (excluding the current trading day).
30.	How can I contact the Bank for assistance on Mobile Banking Securities Services?
A:	Should you encounter any difficulty in placing orders via Mobile Banking, you may call our 24-hour hotline at (852) 2189 5588, our Customer Service Officers will assist you regarding Internet Securities Services queries.
31.	How can I check stock prices or index?
A:	You can check the real-time or delayed stock quote and market index at “Securities Services”. You may also click the button of "Real-time Quote" on the “Buy/Sell Stock” for the latest stock quotes and market index. The service is provided by QuotePower International Limited.
32.	What is Quote Meter?
A:	「The Quote Meter shows your monthly real-time quote entitlement and usage. You will get a fixed number of FREE real-time quote at the beginning of each month. For each successful buy/sell transaction, you will receive 100 additional free real-time quotes. Real-time quotes used in excess of your free entitlement for the month will be charged at HKD0.10 per quote for that month and rounded up to the nearest dollar with a minimum charge of HKD 5.00. Any unused FREE real-time quote will be forfeited automatically upon expiry of the month.
33.	Under what situation should I pay for Italian Financial Transaction Tax (“FTT”) and how the tax amount determined?
A:	Customers who trade shares issued by Italian resident companies (e.g. Stock Code 1913 Prada S.P.A.) which listed on The Stock Exchange of Hong Kong Limited via our Bank are required to pay for the Italian FTT. The tax rate is 0.1%. Calculation method: Italian FTT is calculated based on daily net increase of customer's beneficial holding of the same share at account level on each settlement day x weighted average purchase price x 0.1%. The Italian FTT also applies to the derivatives of the above-mentioned stocks. For more details, please visit HKEx Website or refer to our Bank for assistance. The above tax rate and calculation method etc. of Italian FTT may be subject to changes or further clarification on the Italian FTT law. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. Customers should seek independent professional advice if they have any query or further enquiry regarding the Italian Financial Transaction Tax law.
34.	Am I required to select trade status notification?
A:	Yes, you must select to receive trade status notification(s). You may select to receive by SMS, email or both. Your trade status notification(s) will be sent to the mobile phone number and/or email address in our bank’s records.
35.	If I did not register my mobile phone number and email address, can I still perform securities transactions via Mobile Banking?
A:	You are not allowed to perform securities transactions on Mobile Banking, but you can still perform securities transactions on Phone Banking. You must add your mobile phone number or email address to our bank’s records in order to trade securities on Mobile Banking. If you have a password token, you can register your mobile phone number or email address at “Electronic Services>Security Center>Personal Information Inquiry/Modification” on Personal Internet Banking. For other customers, please visit one of our branches to add your phone number or email address.
36.	How can I select a default options to receive trade status notifications?
A:	You can modify your default options at “Investment>Securities>e-tool>Notification Instruction” on Personal Internet Banking. Once selected, you will not have to select whether to receive trade status notifications from email and/or SMS for every securities transaction.
37.	Which account does the daily stock trading limit uses? Which channels and stocks do the limit applied to?
A:	Daily stock trading limit is determined by every securities account, whether it is single or joint account. This limit is shared among Personal Internet Banking and Mobile Banking and for transactions in HK stock, SSE stock and SZSE stock. The daily stock trading limit mentioned above is a shared limit.
38.	Which currency does the daily stock trading limit uses? When will the limit be reset?
A:	Daily stock trading limit is calculated with the amount equivalent to HKD, excluding service charges. The daily stock trading limit is reset by the system every trading day.
39.	Are only two-factor authentication users allowed to modify the daily stock trading limit?
A:	Password token must be used to increase the daily stock trading limit, but will not be required to decrease the decrease the daily stock trading limit. If you do not have two-factor authentication, you are only allowed to decrease the daily stock trading limit on Mobile Banking or Personal Internet Banking.
40.	If I have never set my daily stock trading limit before, will that affect my securities transaction?
A:	If you have never set a daily stock trading limit for your securities account, the daily stock trading limit will be default as HKD 99,999,999,999.00.
41.	If I would like to cancel an order that was placed on e-channel, will my daily stock trading limit be decreased?
A:	Newly placed orders or increasing order quantity or price on Personal Internet Banking and Mobile Banking will be accumulated to the daily stock trading limit. Cancelled orders or decreasing order quantity or price will release the daily stock trading limit.
42.	If I would like to cancel an order that was placed on e-channel using non e-channel methods, will my daily stock trading limit be decreased?
A:	Newly placed orders or increasing order quantity or price from non e-channel will not affect the daily stock trading limit.
43.	What is two-factor authentication for securities trading? How can I set up?
A:	Two-factor authentication for securities trading allows customers to choose their authentication method to use securities trading services, you can choose whether to use password token to authenticate your identity. This setting can be found on “Securities Services>Securities Transaction Authentication Setting,” and only password token users can enter this function. Users without password token can apply for password token at our branches. All current users, who have and do not have password tokens, will have a default setting of “do not use” securities two-factor authentication.
44.	How can I register or cancel the securities two-factor authentication service?
A:	If you have already registered to use password token to enter securities trading services, you can only cancel this service via Mobile Banking or Personal Internet Banking and authorize with your password token. Our bank currently does not support registering and canceling of the service through our branches.
45.	Which functions on Mobile Banking will be applicable to two-factor authentication for securities trading?
A:	If you have already registered to use password token to enter securities trading services, every time you log onto Mobile Banking or Personal Internet Banking to use “Buy/Sell Stock” and “Amend/Cancel Order” functions, you must input the correct one-time dynamic password that is generated from your password token. This new setting does not apply to Phone Banking.

Transfer & Remittance and ICBC Express

1.	When is the service time of account transfer?
A:	Mobile Banking services provide 24-hour transfer service, only certain transactions provide different service hours, such as SWIFT Remittance and CHATS.
2.	Can I transfer money to another overseas bank accounts through the mobile banking service?
A:	Yes. You can transfer money to other overseas bank accounts through mobile banking via SWIFT transfer.
3.	Can I transfer RMB to another bank accounts in mainland China through mobile banking service?
A:	Yes. You may remit RMB to other bank accounts in mainland China through mobile banking service, but this service is only applicable to RMB individual account holders and registered RMB receiving accounts with e-banking for the time being.
4.	Is there any service charge or other related fees for using mobile banking service to proceed the SWIFT Remittance?
A:	Yes. The relevant fees and service charges will be automatically deducted from the account.
5.	When is the service time of mobile banking for SWIFT remittance?
A:	The service time for SWIFT Remittance of Hong Kong dollars and US dollars is Monday to Friday, from 9:00 a.m. to 5:00 p.m. The SWIFT Remittance service for CNY is available from 9:00a.m. to 4:30p.m. on Monday and 00:00a.m. to 4:30p.m. from Tuesday to Friday. For SWIFT Remittance of other currencies, it is Monday to Friday, from 9:00 a.m. to 3:00 p.m.
6.	If I make a transfer by SWIFT today, when will the beneficiary receive the payment?
A:	The remittance amount and related fees will be deducted from your account in real time. However, the time when the beneficiary will receive the remittance depends on the time required by the transaction process of the receiving bank.
7.	Do I have to open multi-currency accounts before I transfer money by SWIFT via mobile banking?
A:	No. After you select the remittance currency, the next page will show the exchange rate and the equivalent amount of Hong Kong dollar for you to check and confirm before executing the transaction instruction.
8.	Do I need to open a RMB account in advance to proceed RMB SWIFT remittance through personal mobile banking service?
A:	Yes. Since the remittance must be deducted from the remitter's RMB account, you must open a RMB account in advance.
9.	How many beneficiary accounts can I register under the same mobile banking account for payment transfer to other overseas banks?
A:	You can register up to 99 overseas designated beneficiary accounts under the same mobile banking account.
10.	Is there any service charge for using mobile banking services to process CHATS?
A:	Yes. The relevant charges will be automatically deducted from the account.
11.	When is the service time of mobile banking for CHATS?
A:	The service time of CHATS for Hong Kong dollar and US Dollar is Monday to Friday, from 9:30 am to 5:00 PM. Service time of CHATS for Euro and RMB is Monday to Friday, from 9:30 am to 4:00 PM,
12.	If I make a transfer by CHATS today, when would the beneficiary receive the payment?
A:	The remittance amount and fee will be deducted from your account in real time, and the beneficiary will receive the payment on the same day.
13.	When is the service time of ICBC express transfer for mobile banking?
A:	Mobile banking services for Hong Kong dollar and US dollar express are available on Monday to Friday, from 00:00 to 17:00 (except Saturdays, Sundays and public holidays).
14.	What is a Remark?
A:	The remark is the user's description of the transaction, the information entered will be displayed on the verification instruction and transaction confirmation page. CHATS, FPS, SWIFT Remittance and ICBC Express can enter 35 bit characters. Acceptable characters include English letters (e.g. AaBb... YyZz); Number (e.g. 1234567890); Symbols (such as.(-)/,:) and Spaces. The first character does not accept "/", ":", "-", and consecutive Spaces between characters are not allowed. I) Registered remark will be shown on the input page directly. If any modification is required, simply enter a new remark, it will be shown directly on the verification instructions and transaction confirmation pages. II) If no remarks is registered, simply enter a remark it will be shown directly on the verification instructions and transaction confirmation page.
15.	How to learn more about the display name of the transfer account?
A:	In order to facilitate the design of mobile banking, the bank has specific display rules and codes for transfer and remittance accounts. Account display rule: "Account number" + "Account type (first 3 characters and last 2 characters"). After account type is selected, account currency will be automatically echoed according to the account type selected above.
16.	Can I setup a remittance and transfer in advance?
A:	Yes. You can set up transfer and remittance up to 90 days in advance. All remittance must take effect from Monday to Friday (except public holidays), except for pre-arranged remittance in the same currency. Default transactions in online banking or mobile banking can be viewed in mobile banking. Except scheduled transfer and remittance in the same currency will be effective during Mon - Sun, the other transfer and remittance will only be effective from Monday to Fri (public holiday excluded)
17.	Can I cancel a scheduled transfer and remittance?
A:	Yes. At any time before the effective date of the transaction, you can delete the transfer and remittance in the online banking or mobile banking.
18.	Can I modify a scheduled remittance ?
A:	No. The Bank will not accept applications for modification for the time being. At any time before the effective date of the transaction, you can cancel the schedule transfer and remittance at the mobile banking service. Then you can re-schedule the transfer and remittance through the mobile banking service. (Cannot modify, can only cancel)
19.	When I setup a scheduled transfer and remittance, do I need to arrange sufficient amount in my deposit account?
A:	Yes. Your account must have sufficient amount on the transaction date, otherwise your instruction will be cancelled.
20.	How do I know if the scheduled transfer or remittance has been executed?
A:	You can log in to mobile banking ("Transfer & Payment ">" Instruction Enquiry" or "Transfer & Payment ">"Fund Transfer Out">"Remittance Details") to check whether the relevant transaction has been successfully executed.
21.	What is the limit of transfer/remittance through mobile banking?
A:	The transfer limit of mobile banking and personal online banking is accumulated jointly. Details are as follows: · Transfer to an unregistered third party account: the maximum daily equivalent of HK $200,000, including the small amount transfer limit (the maximum daily equivalent of HK $10,000) · Transfer to a registered third party account: the maximum daily equivalent of HK $1,000,000 (all your registered accounts will be automatically consolidated)
22.	How can I transfer money to an unregistered third-party account through mobile banking?
A:	You can choose "Transfer & Remittance" or "SWIFT Remittance" in the "Fund Transfer Out" function of "service" >.The "Transfer & Remittance" function allows you to transfer funds to our third-party account or to another local bank via CHATS/FPS; The "SWIFT Remittance" function allows you to remit money to countries or regions outside Hong Kong; "ICBC Express" allows you to remit money to the account of ICBC Group worldwide.
23.	What is the "One Click Transfer" function? How do I use the "One Click Transfer" function?
A:	“One Click Transfer” allows you to perform instant transfer with one click based on historical transfer records. The recent transfer record will be displayed in the list on the “Transfer and Remittance” page. After clicking a transfer record, you can submit a new transaction based on a snapshot of the transaction, only entering the amount and completing the transaction authentication.You also can change the payment account for each transaction.
24.	What is the function of "ICBC mobile phone number remittance"? How can I use the function of "ICBC mobile phone number remittance"?
A:	The function of "ICBC mobile phone number remittance" means that when you make cross-border remittance to ICBC domestic account, you can input your mobile phone number in mainland China instead of your bank account information. When using the function of "ICBC Express", if “Beneficiary Opening Bank Country/Region” selects "China" and “Name Of Beneficiary Bank” selects "Industrial and Commercial Bank Of China", you can select "mobile phone Number" in the "Receiving Account". Please submit the transaction after perfecting the remittance information. If the input mobile phone number has been tied to the bank account opened by ICBC, the funds will be directly transferred to the binding account.
25.	What is My Payee? How do I use the My Payee
A:	My Payee means that the payee will be automatically saved in My Payee List after completing the transaction of Transfer & Remittance, SWIFT Remittance and ICBC Express. Click "My Payee" to retrieve or delete the saved payee list. Click on the Payee Card to enter the payee information and quickly jump to the transaction. You can turn off the automatic saving function of payee by "My Payee" > "Settings".
26.	Why my instruction to transfer funds via account number or a registered other local bank's beneficiary account dose not accepted?
A:	In order to comply with the regulatory requirements from 30 October 2022 our bank and the most of other local banks in Hong Kong may impose stricter controls on the verification of the recipient's name. In view of this change, the following tips are prepared for your reference to prevent your FPS transfer instruction being rejected: 1)If you are transferring via account number , please ensure that your inputted recipient name matches the account name in the beneficiary bank; 2)If you are transferring via registered account number, please ensure the recipient name registered in our bank matches the account name in the beneficiary bank. If you find any discrepancies with the account name in the beneficiary bank (such as alias), you can update the recipient account name under "My Registered Third-Party Account" via personal mobile banking or e-banking. The updated account name will be effective after 6 hours. Please make sure you make transfer after the recipient account name is updated .

Small-value Fund Transfer Service

1.	What is “Small-value Fund Transfer service”?
A:	“Small-value Fund Transfer service” allows you to submit a transaction instruction to unregistered third-party accounts without token authentication. This applies to fund transfers within transfer and remittance, SWIFT remittance, ICBC Express, One Click Transfer, ICBC QR Code Transfer, FPS Services and Cardless Withdrawal Service (ICBC Cardless Withdrawal and Jetco Cardless Withdrawal). The accumulative limit for small amount transfers is HKD $10,000 per day.
2.	How can I apply for Small-value Fund Transfer service?
A:	You can apply through the following 3 channels: Branch, Personal Internet Banking and Mobile Banking. a)Branch:You can adjust the Small-value fund transfer limit with a maximum of HKD10,000, and the limit must be smaller than the daily accumulative limit for transfer/remittance to unregistered third-party account. b）Internet Banking:You can use your password token to adjust the Small-value fund transfer limit with a maximum of HKD10,000 online via "Customer Services-> Adjust Transaction Limit" using the horizontal menu, or “Customer Services-> Account Setting-> Adjust Transaction Limit" using the vertical menu. Note that the daily accumulative limit for transfer/remittance to unregistered third-party account should also be adjusted, and must be larger or equal to the two-day Small-value fund transfer limit. c）Mobile Banking：You can adjust the small amount transfer limit in “Adjust Transaction Limit” of Transfer & Remittance, SWIFT Remittance and ICBC Express.The maximum amount is HK $10,000 per day. Note that the daily accumulative limit for transfer/remittance to unregistered third-party account should also be adjusted, and must be larger or equal to the two-day Small-value fund transfer limit.
3.	I have already registered for Mobile Banking, can I use Small-value Fund Transfer service immediately?
a:	No, the default Small-value fund transfer limit is 0 in mobile banking. You must raise the Small-value fund transfer limit and the relevant limits via branch, Personal Internet Banking or Mobile Banking.
4.	How is the accumulated limit calculated for Small-value fund transfer submitted through the reservation method (Transfer & Remittance, SWIFT Remittance and ICBC Express)?
A:	Whether you use the immediate or reservation transfer method, system accumulates the transaction limit based on instruction submitted date. For example, you have submitted an immediate fund transfer of HKD1,000, a post-dated transfer of HKD500 for tomorrow, and a post-dated transfer of HKD500 for next Monday within a day, the accumulated transfer limit is HKD2,000.

QR Code Transfer

1.	What is "QR Code Transfer"?
A:	The payee can pay to the payee's account quickly and accurately by scanning the QR code generated by the payee after logging into the mobile bank and entering the login password again on the transaction page.
2.	How to make the QR Code for payment collection?
A:	QR Code Transfer function of mobile Banking is only applicable to Android and iPhone customers of ICBC(Asia) mobile Banking. The receiver must hold a Hong Kong Dollar account of ICBC(Asia). The process of making QR Code for Payment is as follows: Step 1: Click "ICBC QR Code Transfer", and then press "Create QR Code". Step 2: Select the payment account and currency, then enter the payment amount, and set the name of the QR Code and the transfer transaction remarks, then press "Confirm", the QR Code for payment will be generated successfully in real time.
3.	How to receive payment through the "QR Code Transfer" function?
A:	After making the QR Code for payment, the customer can click "share" and share the generated QR Code to the payer of the bank via WeChat, weibo, Twitter and Whatsapp. The payer can scan or upload the QR Code directly to complete the payment.
4.	How to pay through the QR Code transfer function?
A:	QR Code Transfer service of mobile Banking is only applicable to Android and iPhone customers of ICBC(Asia) mobile Banking. The payer must hold A Hong Kong Dollar account of ICBC(Asia). The payment process is as follows: Step 1: After the customer logs in to the mobile banking system, click "Transfer & Payment". Step 2: Click "ICBC QR Code Transfer", and then press " QR Code Payment". Step 3: Scan or import the "Payment QR Code" from the album. Step 4: Select the payment account and confirm the payment amount, enter the login password again, and the payment transaction will be completed in real time.
5.	Is the generated QR Code for payment attached with an effective date?
A:	The receipt QR Code that has been successfully generated is valid for 7 calendar days.
6.	How to view the generated QR Code?
A:	You can check all the QR Codes successfully generated by clicking "My QR Code". You can click "Valid" to view the valid QR code, or you can click "Expired" button to view the expired QR code.
7.	Can I cancel the generated QR code?
A:	Yes, you can click "My QR code", click the relevant QR code, and then press the "Cancel" button to cancel the QR code.
8.	May I check the payment records?
A:	Yes, you can check all the transaction records by selecting "QR Code Transfer" and then "Payment History".
9.	Will there be any handling charge when using QR code to transfer money?
A:	No, there is no handling charge for using QR code to transfer money.
10.	Can the "payment receipt QR code" be used multiple times?
A:	During the validity period of QR Code, you can scan the QR Code for payment for unlimited times.

Funds (Applicable to iPhone/Android App only)

1.	What transactions can be carried out via Mobile Banking Funds Service?
A:	You can check the details of the funds held with the bank and perform fund subscription, redemption, switching, setup and terminate Monthly Saving Plan. You can also access the comprehensive and latest fund information such as historical performance, investment objective and dividend record, etc. through the Mobile Banking Funds Service.
2.	How fund transactions can be carried out via Mobile Banking?
A:	Once you have activated our Mobile Banking Service and enabled the account auto-registration function, all accounts (including investment accounts) you have previously opened accounts and any new accounts to be opened in the future will be shown automatically in your Mobile Banking account list and are ready to use. You can then login to Mobile Banking to carry out fund transactions. If you have not yet applied for the account auto-registration service, please visit our branches to register your investment accounts. After doing so, you can carry out any fund transaction via Mobile Banking.
3.	I have already registered "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product", but why I cannot subscribe funds via Mobile Banking?
A:	You may encounter the followings: Account has not been opened yet. Please note that if you apply for the "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product" online, it can only be operated one working day after successfully opened. Your investment risk assessment is expired. Fund customers should complete assessment on investment risk tolerance every year. If you have completed the risk assessment more than one year before, you are not able to make the subscription. Please update your risk assessment via Internet Banking or visit our branches. Currency used for subscription is not the same as the Fund Currency. The currency used for subscription must be the same as the fund currency, please ensure that you have sufficient balance in the relevant settlement account, or the order will be rejected. Your risk tolerance level, investment objectives, asset concentration or expected investment horizon is not match with the product. If your risk tolerance level, investment objectives, asset concentration or expected investment horizon is not match with the product, the order cannot be processed through Mobile Banking. Please visit our branches to carry out the transaction.
4.	Can I amend / cancel my instruction via Mobile Banking?
A:	Once we have accepted your instruction, you cannot make any amendment / cancellation.
5.	What is the minimum investment amount?
A:	The minimum investment amount varies between different funds; please refer to the transaction page for details.
6.	When will my Funds transaction instruction be processed?
A:	Funds trading services are available 24 hours a day. If you place the order from Monday to Friday, 8:00 a.m. to 3:30 p.m. (Except Public holiday), the order will be executed on the same day. If you place the order beyond the time period, the order could only be executed on next working day. When the black rainstorm warning or typhoon signal no. 8 or above is hoisted, your order will be executed on the next working day.
7.	When do I need to settle the amount for subscription?
A:	Our bank will debit the subscription amount from your chosen fund settlement account immediately after you submit the order. Therefore, please ensure that you have sufficient balance in your account for settlement.
8.	How can I setup Monthly Saving Plan via Mobile Banking?
A:	You must ensure that you have already opened "Consolidated Investment Account - Investment Funds, Bonds and other Structured Product" and had completed the risk assessment within one year. If you would like to setup a Monthly Saving Plan, you can go to "Funds" and search by Mutual Funds which suit your needs > go to “Details” page of the selected fund > click "Monthly Saving Plan" to setup investment saving plans. Note that you can choose up to 5 types of Mutual Funds in one saving plan. Please input monthly contribution amount, dividend options, read the offering document, make customer declaration, and setup the monthly contribution day, and the Bank will process your application accordingly.
9.	What is First Contribution Day and Monthly Contribution Day?
A:	The First Contribution Day can be any business days within 1 month; system will define this business day of each month as the Monthly Contribution Day. On each Monthly Contribution Day, the monthly contribution amount will be debited from your selected settlement Account. e.g. you select May 5th as the First Contribution Day, the monthly contribution amount will be debited from your settlement amount on May 5th and 5th of each month. If the monthly contribution day is on Sat, Sun or Public Holiday, contribution day will be postponed to the next working day. If you select 29th, 30th, 31st as the monthly contribution day, the actual contribution day may be postponed to next working day if that day does not exist in the current month. The Bank will subscribe the funds 4 days after the contribution day. (The actual allocation time may differ from funds to funds)
10.	How long does it take to set up the Monthly Saving Plan?
A:	Once we have accepted your application of the setup of Monthly Saving Plan, it will be processed on the next business day (except Saturday). Please ensure your settlement account has sufficient funds for contribution.
11.	What is the minimum investment amount for the Monthly Saving Plan?
A:	The minimum monthly contribution amount for each fund is HKD$1,000 or its equivalent.
12.	Can I modify or suspend the Monthly Saving Plan via Mobile Banking?
A:	No. If you would like to suspend or modify the Monthly Saving Plan, please visit our branches for the application.
13.	Can I terminate the Monthly Saving Plan via Mobile Banking?
A:	If you would like to terminate a Monthly Saving Plan, please go to "Funds">“My Funds” > "Investment Saving Plan" to check active investment saving plans and click "Terminate Plan", the earliest effective day can be next business day (except Saturday) after you confirm the order.

FX Plus/Margin FX & Precious Metal Trading Account Opening via Mobile Banking

1.	Which type of FX & Precious Metal trading account can I apply via Mobile Banking?
A:	You can apply FX Plus or Margin Precious Metal trading account via Mobile Banking but you cannot apply both types of account.
2.	What are the product risk levels of FX Plus and Margin FX & Precious Metal trading account?
A:	The product risk level of FX Plus – FX & Precious Metal trading account is 3 while the product risk level of Margin FX & Precious Metal trading account is 5.
3.	How can I know my investment risk level?
A:	After selecting the type of FX & Precious Metal trading account via Mobile Banking, the system will show your investment risk level and request you to confirm. If you do not agree with your current risk level or do not have any risk level, you can update it by completing an investment risk level assessment directly on your phone.
4.	What are the requirements for applying FX Plus/Margin FX & Precious Metal trading account via Mobile Banking?
A:	You have to be aged 18 or above, have opened Mobile Banking and have valid US dollar or multi-currency settlement account.
5.	What kind of information do I need to provide when applying FX & Precious Metal trading account via Mobile Banking?
A:	During your application via Mobile Banking, you need to provide your personal information (e.g. address, place of birth), complete the self-certification form of tax residency status and answer the product-related assessment questions. Part of your information will be generated by the system automatically according to your record in our bank.
6.	What are the procedures after applying FX & Precious Metal trading account via Mobile Banking?
A:	After your application via Mobile Banking, our staff will contact you within 2-3 working days in order to confirm your application and explain the product-related risk for you. We will then send you the account opening documents and account password by post. Your account will be available for transaction after our confirmation of your signed documents.
7.	How can I know my account opening status after submitting the application of FX & Precious Metal trading account via Mobile Banking?
A:	If you have any enquiry or have not been contacted after 3 working days of your application via Mobile Banking, please contact us at (852)35108176.
8.	If I am not the customer of ICBC(Asia), can I apply FX & Precious Metal trading account via Mobile Banking?
A:	No. You must have ICBC(Asia) account and log in to Mobile Banking in order to use the account opening service.

Foreign Exchange Margin (Applicable to iPhone/Android App only)

1.	How do I know whether the transaction made through Foreign Exchange Margin Trading system at mobile banking has been completed?
A:	A reference number will be provided for all completed transactions. You can also check the transaction status in your deal blotter.
2.	What is "lock position"? Will a locked position consume margin? How do I close out open positions?
A:	"Lock position" is a position of the same notional amount but in a direction that is opposite to the original position. The original position will not be liquidated when you lock a position. Since your exposure reduced, it will not occupy your margin. So, you may click on your position in "Position Management" to square off your selected position when needed.
3.	What is the system mechanism to execute an order?
A:	For limit/stop buy (sell) orders, when the platform offer (bid) price reaches your desired order price, the order will be automatically executed. Please note that for stop loss orders, the executed price may be worse than the order price.
4.	What scenarios will my orders placed via the Foreign Exchange Margin system being rejected?
A:	Your orders will be rejected when under the following situations: i.Your buy/sell order rate falls beyond or too close to a certain number of pips of the market price. The number of pips allowed for order placement varies with different contract pairs. ii. The notional amount of the order is greater than the maximum order size allowed. iii.The transaction service for that currency pair might be temporarily suspended. iv.You do not have sufficient free margin and/or trade limit.
5.	How do I know if my orders placed via mobile banking are accepted?
A:	You will receive an order reference number after you have confirmed your order. Please note that order execution may be adversely affected by hectic market conditions, system delays, bandwidth, or other circumstances which beyond the Bank's control.
6.	Will I be notified upon order execution, margin call and margin cut?
A:	A SMS/ email message will be sent to you if you have setup the notification service via Online Margin Trading Platform. You can amend the record by calling our Margin Trading service hotline at (852) 3510-8176 or via our branch
7.	Can I change the position to be closed out when I amend order?
A:	No. If you want to close out the position, you have to cancel the original order and place a new order for close out.
8.	Can I increase my trading limit？
A:	Yes, you can apply by calling our Margin Trading service hotline at (852) 3510-8176 for assistance. You may also apply through our branches
9.	Which currency pairs can I trade via the Mobile Banking Foreign Exchange Margin Trading platform?
A:	USD, GBP, EUR, JPY, CAD, AUD, NZD, CHF, HKD, CNH and their crosses are currently available for trading. XAU is also available for trading at the platform.
10.	How many currency pairs can be displayed on the rate panel of the Margin Mobile Trading system?
A:	You can choose to display up to 15 currency pairs.
11.	How can I receive price alerts? How many price alerts may I set up via the Foreign Exchange Margin Trading platform?
A:	You can set a targeted price and our system will send a price alert to you via email and/or SMS when the price reached the desired level. You can use the bonus points to set up price alerts to be sent when target rate is reached. 1 point will be deduced for setting up every price alert. The bonus point can be refunded when you cancel the alert before expiry or sent. If your bonus balance is zero, you cannot set up any price alert. The initial bonus balance is 50 points with a weekly replenishment of 5 points. The maximum balance can be up to 1000 points. Our bank has discretion to adjust the service content without prior notice.
12.	What is a tolerance level?
A:	A tolerance level is the maximum number of pips that the execution price could deviate from the price when you commit a transaction. For example, if AUD/USD is quoted at 1.0040-48 and the tolerance level is set at 10 pips, then the customer selling rate range is from 1.0030 to 1.0050 and the buying rate range is from 1.0038 to 1.0058.
13.	Can I view chart on the Mobile Banking Margin Trading platform? Will the data shown in the chart be updated/refreshed automatically?
A:	Yes, you can view charts via the platform. Auto update is subject to your mobile device. If you are located in an environment with proxy settings, the data will only be updated periodically (refresh rate is approximately 1 minute). Otherwise, you should be able to view real-time chart data updates.
14.	If I am experiencing difficulty when logging in the platform, what can I do?
A:	You can call the Margin Trading service hotline at (852) 3510-8176. They will help you for all margin trading related issues includes trading and system
15.	What is the recommended mobile operation system for using the Mobile Banking Foreign Exchange Margin Trading platform?
A:	To ensure timely delivery of real-time rate updates from the system server, we recommend that your mobile device should be Android 5.0.1 with 2 GB memory / IOS 8 or above.
16.	What email address or mobile phone number will be used for notification?
A:	We will send alert to your email address and mobile phone number you provided during account application. You can amend the record by calling our Margin Trading service hotline at (852) 3510-8176 or via our branch
17.	Is my personal information protected when I use the Margin Mobile Trading system?
A:	To ensure that your personal information is protected at all times, we have employed several security measures, which include: i. i. The system is equipped with network security features. It includes SSL (Secure Sockets Layer) with end-to-end encryption and Firewalls protection. Your input is encrypted by the end-to-end encryption within your browser before it is sent to our bank through the SSL channel to prevent unauthorized parties to read it. ii. ii. Our Bank employs Public Key Infrastructure (PKI) technology to ensure security of Internet transactions and your personal data. iii.If no activity is detected after 15 minutes, the system will log off your mobile banking services automatically.

Currency Trading (Applicable to iPhone/Android App only)

1.	What are the service hours for the functions of Currency Trading?
A:	The service hour for currency trading is 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.。
2.	Which currencies are available for trading?
A:	You can trade the popular currencies, including GBP, CNY，EUR，AUD，CAD，JPY，SGD，NZD，CHF and USD in “Currency trading” function.

ICBC Messaging

1. What is "ICBC Messaging" Service?

Ans:

"ICBC Messaging" Service is an information alert service that allows you to keep track of your account status more efficiently and more comprehensively. You can flexibly customize your ICBC Messaging through Mobile banking， including account activities reminder, alert on mature fixed deposit/Loan, account overdraft reminder, reminder of credit card repayment due, notice on check/other bank posting, notice on confirmation of changed contact address and telephone number, reminder for consecutive password error. The customized notifications will be sent immediately via “ICBC Messaging” official account under the “ Message” function of mobile banking, Email or SMS.

What types of alerts can I choose?

Ans:

You can choose from a wide range of alert types listed below:

Transaction Type	Name	Alert Details
Account Info	Account activities reminder	Pre-set amount or any amount credited / debit to your account (Including Remittance/ATM/Internet Banking transaction etc.)
	Alert on mature fixed deposit	When time deposits mature
	Account overdraft reminder	When account balance is below zero
	Loan maturity reminder	The most recent repayment due date of Personal Loan
	Reminder of credit card repayment due	The most recent repayment due date of Credit Card
	Notice on Check / other bank posting	When a deposited cheque has been cleared
	Account balance is higher / lower than the scheduled amount notice	When account balance exceeds / below the pre-set amount
Important Notice	Notice on confirmation of changed contact address and telephone number	When your correspondence address and/or telephone number has been updated
Important Notice	Reminder for consecutive password error	When input incorrect password for 5 times in Internet Banking / Mobile Banking

Which type of customers can apply for “ICBC Messaging” service?

Ans:

Any Personal customer can apply for this service by filling up your application details or the application form through our Personal Internet Banking、Mobile Banking or branches.

How do I set up or amend the "ICBC Messaging" on mobile banking?

Ans:

To activate the Service, please login to the Mobile Banking Services,click on “Services”> “All” > “A/C Management”>"ICBC Messaging", and press “Messaging Setting”, select suitable messaging product，fill in the contents and press “submit” to finish the setting. To amend the customized Service, please press “My ICBC Messaging” in the "ICBC Messaging", select the service for amendment and click “Submit” after finishing the amendment.

When will the Service become effective after service activation ?

Ans:

The Service will become effective immediately after successful activation of "ICBC Messaging" Service in Mobile Banking.

What is the “Account Alias” for the Service？

Ans:

To protect your account information, you can setup the “Account Alias” to be shown in the alert message to replace your account number. “Account Alias” can be a maximum of 8 alphanumeric characters.

How do I suspend or terminate my "ICBC(Asia) Messaging" Service?

Ans:

To suspend or terminate the Service, please logon to the Mobile Banking Services, select "ICBC Messaging" on the main page, press “Messaging Setting”, select suitable messaging product, and then press “Suspend” or “Terminate” button. The selected “ICBC Messaging” service setting will become effective immediately.

How can I reactivate my "ICBC Messaging" Service after I have suspended or terminated the service?

Ans:

To reactivate the suspended or terminated "ICBC Messaging" Service, you only need to press “Reactivate” for the suspended “My ICBC Messaging” transaction ”, The Service will resume immediately.If the Service is terminated, you must re-apply the Service again by logging on to the Mobile Banking Services.

Will "ICBC Messaging" Service incur fees?

Ans:

It is free of charge if the customer receives “ICBC Messaging" notification via email or “ICBC Messaging” official account under the “ Message” function. If the customer receives the notification via SMS, the Bank will impose different monthly charging schemes by customer segments. Please refer to the “Service Charges Tables" for details.

10.

What are the differences between the “ICBC Messaging” service set up via Mobile Banking and Internet Banking / Branches?

Ans:

"ICBC Messaging" notifications will be sent via “Message” function when setting up by Mobile Banking while email or SMS notifications will be sent when setting up by e-Banking or Branches.

11.

Under what circumstances will I fail to receive the notification of "ICBC Messaging" official account under the “ Message” function?

Ans:

If you change your mobile phone or uninstall the mobile banking application, you will not receive the notification.

Paper Gold Scheme

1.	What is Paper Gold?
A:	Securities and Futures (Collective Investment Schemes) Notice prescribes the arrangements for the purchase of gold with certain specified characteristics as "paper gold schemes". Such schemes are to be regarded as collective investment schemes and are subject to the regime under Part IV of the Securities and Futures Ordinance ("SFO") (Cap. 571, Laws of Hong Kong).
2.	What is Paper Gold Scheme?
A:	Paper Gold Scheme is an investment instrument made available by the Bank to the market for investors who are interested in buying and selling paper gold by a pre-set contractual term without involving in any physical delivery of gold.
3.	Is Paper Gold Scheme suitable to you?
a:	Your suitability to invest in Paper Gold Scheme will be assessed by the Bank via "Paper Gold Scheme - Customer Suitability Checklist".
4.	Do I need to open any account with the Bank for transaction of Paper Gold Scheme?
A:	For any buy or sell transaction of Paper Gold Scheme, you must already have or must open: i. a non-interest bearing account under this Paper Gold Scheme for buying and selling units of Paper Gold Scheme (the purchase of units of this Paper Gold Scheme will be credited to, while the sale of units of this Paper Gold Scheme will be debited to, this non-interest bearing account); and ii. a HKD Savings Account as the settlement account (the amount receivable by the Bank will be debited from or amount payable by the Bank will be credited to this settlement account).
5.	Is there any fee and charges?
A:	There are no handling fees or charges of the Bank at the time of transaction. The Bank's profit margins would not exceed 1% of buying and selling prices per unit of Paper Gold Scheme from time to time. The Bank may vary or impose further fees & charges by giving at least 30 calendar days' prior written notice.
6.	Where to open accounts and how about trading means and trading time?
A:	Go visit the Bank's branches for account opening issue. Trading means and time: Through the Bank's branches (Monday - Thursday, 9:00am to 5:00pm; Friday, 9:00am to 5:30pm ); and internet banking (Monday 8:00am to Saturday 3:30am)
7.	What are included in the Bank's Paper Gold Scheme documentation?
A:	Offering documents of Paper Gold Scheme consist of Principal Brochure and Product Key Facts Statement.
8.	What are the key features and risks?
A:	Please refer to the details of all features and risks as well as other information as set out in the offering documents of Paper Gold Scheme. You should read and understand all key features and nature of all risks before deciding whether to invest in Paper Gold Scheme.
9.	What are the contact details for enquiries?
A:	If you have any enquiries regarding this Paper Gold Scheme, you can visit any of our branches or call our Customer Services Hotline at (852) 2189 5588 or fax us at (852) 2758 1340 or email us to enquiry@icbcasia.com

Paper Precious Metal Scheme

1.	What is this Paper Precious Metal Scheme?
A:	This Paper Precious Metal Scheme is an investment instrument made available by the Bank to the market for investors who are interested in buying and/ or selling paper precious metal without involving in any physical delivery of any precious metal.
2.	Which Precious Metals are included in this Paper Precious Metal Scheme?
A:	You may buy/sell the Silver, Platinum and Palladium through different types of Paper Precious Metal Scheme account.
3.	What are included in the Bank’s Paper Precious Metal Scheme documentation?
A:	The offering documents of Precious Metal Scheme include the Principal Brochure and the Product Key Facts Statement.
4.	What are the main product features and risks?
A:	Please refer to all the related offering documents to understand all the product features and risk factors of the Paper Precious Metal Scheme. You should read and understand all the key features and risks before deciding whether or not to invest in this scheme.
5.	What are the trading channels and hours of the Paper Precious Metal Scheme?
A:	Placing the order of Paper Precious Metal Scheme can only trade through the Bank’s e-banking platform. The trading hours are Monday 8:00AM to Saturday 3:30AM. (The Bank may change the trading time from time to time.)
6.	What is the minimum transaction unit of the Paper Precious Metal Scheme?
A:	In respect of each RMB denominated Paper Precious Metal with the Quotation Unit Mechanism on a per gram basis, the minimum transaction unit is one unit of the relevant Paper Precious Metal (with multiples thereof for each increment). In respect of each RMB denominated Paper Precious Metal with the Quotation Unit Mechanism on a per ounce basis, the minimum transaction unit is one tenth (ie. 0.1) of a unit of the relevant Paper Precious Metal (with multiples thereof for each increment). In respect of each USD denominated Paper Precious Metal, the minimum transaction unit is one-tenth (ie. 0.1) of a unit of the relevant Paper Precious Metal (with multiples thereof for each increment). Customers can participate in trading the precious metal markets with lower principal amount, it provides a new investment option for customers.
7.	What is the Reference Asset of this Paper Precious Metal Scheme?
A:	You may choose any of the following precious metals as a Reference Asset under this Paper Precious Metal Scheme: (a) Silver − Loco London Silver as specified by the London Bullion Market Association (“LBMA”), which is quoted in United States dollar (“USD”) per ounce. The fineness must not be less than 99.9%. (b) Platinum − Platinum as specified by the London Platinum & Palladium Market (“LPPM”), which is quoted in USD per ounce. The fineness must not be less than 99.95%. (c) Palladium − Palladium as specified by the LPPM, which is quoted in USD per ounce. The fineness must not be less than 99.95%. Each of Silver, Platinum and Palladium is a vital industrial commodity. The prices of each of the Reference Assets float freely in accordance with supply and demand of the market, respond quickly to political and economic applications and are determined in the open market.
8.	What is the Quotation Unit of this Paper Precious Metal Scheme?
A:	Ounce or Gram will be the quotation unit of each Paper Precious Metal Scheme.
9.	Which currency is available for the Paper Precious Metal Scheme?
A:	You can choose USD or Renminbi (“RMB”) currency for each Paper Precious Metal Scheme.
10.	Is there any guarantee or collateral?
A:	There is NO guarantee on the invested amount. This Paper Precious Metal Scheme is NOT secured on any assets or any collateral of the Bank.
11.	What are the Fees and Charges of the Paper Precious Metal Scheme?
A:	There are no handling fees or charges for any transaction placed under this Paper Precious Metal Scheme. The Bank’s profit margins are embedded in the buying or selling price per unit of each Paper Precious Metal. The Bank may vary or impose further fees and charges by giving at least 30 calendar days’ prior written notice.
12.	Can customers participate in the Paper Precious Metal Scheme without an ICBC (Asia) banks’ account?
A:	No, you need to open a non-interest bearing account, namely “Paper Precious Metal Scheme Account”, and open a saving account as the settlement account with the Bank for any buy or sell transaction under this Paper Precious Metal Scheme.
13.	How do customers open the Paper Precious Metal Scheme Account?
A:	Customers can open the Paper Precious Metal Scheme Account in any of our branches. As Paper Precious Metal Scheme is an investment product, the account opening process need to be conducted in the Investment Corner area (Red zone). However, voice recording is not required for the account opening process.
14.	Is customer suitability checklist required for opening of the Paper Precious Metal Scheme Account?
A:	Yes, Customer Suitability Checklist is required to properly assess the customer suitability to Paper Gold Paper Precious Metal Scheme.
15.	Why the trading of Paper Precious Metal Scheme only available for trading on the Bank’s e-banking platform?
A:	The prices of Precious Metal market change dramatically. Customers can monitor the Paper Metal Market closely through the Bank’s e-banking platform.

Credit Card

1.	Can I enquire all ICBC (Asia) creit card accounts balance through our Mobile Banking Service?
A:	Yes, you can view all registered credit card accounts balance via “ Credit Card” in Mobile Banking.
2.	Can I enquire credit card transaction history via Mobile Banking?
A:	Yes, you can enquire the transaction history up to last 365 days (for Android/iPhone App only) for credit card accounts via the Mobile Banking services.
3.	What are the service hours for Mobile Credit Card Payment?
A:	The service hours for credit card payment are as follows: For HKD credit card : 24 hours; For RMB account of dual currency card : From Monday 08:00am to Saturday 13:00pm.
4.	What is the minimum amount of credit card cross currency transfer service?
A:	The minimum amount of cross currency transfer is HKD10 equivalent.
5.	Can I re-allocate the credit limit of my credit card via Mobile Banking?
A:	Yes. The accepted adjustment on credit limit will be effective after 3 working days.
6.	Can I apply for the adjustment of credit limit with my credit card?
A:	Yes. If you would like to increase your credit limit, you have to fax the latest past 3 months income proof to (852) 2233 9933 for approval reference. The accepted adjustment on credit limit will be effective after 7 working days.The handling fee for temporary upgrade is HKD 50 per application, for permanent upgrade is HKD100 per application.

Mobile Payment (Applicable to Android App only)

1.	Please click here to read the Mobile Payment Frequently Asked Questions.

Application for Integrated Account and / or Flexi Plus Account via mobile banking

1.	How can I apply for Integrated Account and / or Flexi Plus Account via mobile banking?
A:	1) Simply login to the mobile banking, click on “Services”> “All” > “Help&Support”>"Application Center", then select “Apply Flex Plus and Integrated Accounts”;
2.	Is account opening for Integrated Account and / or Flexi Plus via mobile banking applicable to any customers?
A:	Account opening for Integrated Account and / or Flexi Plus via mobile banking is only applicable to personal customers with single name account. For Joint account holders, please visit any of our branches to apply. Also, Flexi Plus Account is only applicable to the customer who holds an Integrated / E-Age / Elite Club account of our Bank.
3.	When will new Integrated Account and / or Flexi Plus Account be effective after successfully applying via “Application Centre” in mobile banking?
A:	You can apply for the accounts via mobile banking anytime. The Integrated Account and Flexi Plus Account are effective immediately after the account has been successfully opened.
4.	Do I need to go to branch for other procedures after applying online?
A:	No, you do not need to go to branch for other procedures. Please note that the account signature and transaction setting of account you applied through mobile banking refer to the account you selected during the application.
5.	Can I apply for the same type of account again?
A:	No.

Flexi Plus (Applicable to iPhone/Android App only)

1.	What is "Flexi Plus" Account?
A:	Flexi Plus Account is the specified savings deposit account that is qualified to enjoy the bonus interest offer.
2.	Is "Apply Flexi Plus Account" applicable to any customers?
A:	Personal customers can open Flexi Plus Account under single name. Customers who would like to open Flexi Plus Account under joint name should visit any of our branches to apply.
3.	After applied account online, do I need to go to branch for other procedures?
A:	No, you do not need to go to branch for other procedures. Please note that the signature specimen and transaction setting of account of your Flexi Plus Account will adopt the same signature specimen and transaction setting of account you selected during the application.
4.	Can I apply the same type of account again?
A:	No
5.	Can I amend my personal details like correspondence address, phone number etc. during account opening via Mobile Banking?
A:	No, please visit any of our branches to amend the personal details.
6.	How can I create or update the Tax Jurisdiction?
A:	You can create or update the Tax Jurisdiction in Personal Internet Banking. (Horizontal menu: " Security Center ">"Customer Information Management">”Personal Information Enquiry/Modification" or Vertical menu: “Electronic Services”>"Security Center”>”Personal Information Enquiry/Modification")

Bill Payment

1.	Which merchants can I pay through the Mobile Banking Services?
A:	You can pay Utilities to merchants like CLP Power, and Government Departments like Rates & Government Rent, and the pre-registered Credit Card Accounts.
2.	Do I need to pre-register my bill account with your Bank before paying bills online?
A:	Except for the credit card payment, pre-registration is not necessary for other bill payments.
3.	How can I pre-register the credit card accounts?
A:	You can register the credit card accounts of "JETCO" Member Banks via the Internet Banking.
4.	What are the service hours for the Bill Payment?
A:	The service is available for 24 hours. However, transactions performed after cut-off time (i.e. 7:30p.m. from Monday to Friday) will be valued on the next working day.

Interest Rate/Exchange Rate

1.	Are the interest rate/exchange rate updated?
A:	From Monday 8:00 to Saturday 1:00 p.m.(except Dec 25 and Jan 1), the interest rate/exchange rate will be updated in every 5 minutes (outside this period, the latest data will be displayed). However, the interest rate/exchange rate is for reference only. You will be notified of the actual interest rate/exchange rate prior to your confirmation of every transaction requested.

Message (Applicable to iPhone/Android App only)

1.	What information can I receive from "Message"?
A:	You can receive “ICBC Messaging” notifications and latest news through “Message” service
2.	How can I do if I don't want to receive messages anymore after registering my mobile phone number？
A:	You can stop receiving messages by clicking "Unfollow" or turn off the "Receive Message" function in the official account details. Moreover, if you turn on "Do Not Disturb" function, you will not receive notification when receiving messages.
3.	Why I can't enter the English version of ?
A:	Sorry，"Message" only support Chinese version now.

Smart Reminder Service

1.	What is the “Smart Reminder Service” ?
A:	Smart Reminder Service provides calendar enquiry and events reminder such as Credit Card Repayment Reminder, Loan Repayment Reminder, Time Deposit Due Reminder, Credit Card Due Reminder,etc. as well as supporting for reminder customization.
2.	How to use the “Smart Reminder Service” ?
A:	After login to the mobile banking, you can enjoy our “Smart Reminder Service”. “Smart Reminder” page will automatically display events reminders such as Credit Card Repayment reminder, Loan Repayment reminder. You can pay off your credit card by clicking the “Repay” button on the right of the Credit Card Repayment reminder column. If you want to customize the reminder, you can click the “+” button in the lower right corner to add new items. If you click an added item, you will be able to modify or delete it.

Security Tips and Others

1.	How to protect our security when using Mobile Banking Services?
A:	i. Customers are reminded to be cautious of any fraudulent websites or any suspicious iPhone / Android application of the ICBC Mobile Banking. To access the official Mobile Banking website, please type "m.icbcaisa.com" or "//mobilehk.icbc.com.cn" into the browser of any mobile handsets or tablets. Also, you can download the bank’s application through Apple Store / or Google Play. ii. Use the default browser originally provided by mobile handsets and tablets rather than newly installed browsers downloaded from other sources. For additional protection, please delete cookies regularly. iii. When using Wi-Fi connection, use trusted Wi-Fi networks or service providers and enable security protection such as Wi-Fi Protected Access (WPA), if possible. Avoid signing on Mobile Banking via public Wi-Fi (wireless network) and Wi-Fi without password setting. iv. After receiving the PIN notification letter, please memorize the PIN and destroy the notification letter. To ensure the security of your PIN, we suggest to change your PIN while using for the first time. Do not use your identity card number, telephone number, date of birth, driving license number, or easy-to-guess numbers or words as your password, and avoid selecting the same password that you have used for accessing other web services. v. Do not disclose your user name and password of Mobile Banking to anyone (including bank staff and the police). You should also avoid disclosing your personal information such as HKID card number and date of birth to anyone as well. vi. Do not save personal mobile banking account name and password in the mobile handsets or tablets. vii. Do not write the password on any devices used for Mobile Banking. You should memorize the password instead. viii. Avoid using the Mobile Banking in crowded areas and please take note of entering password via specific handsets. Don’t let anyone nearby get your information indirectly. ix. Check your surroundings before performing any banking transactions, and make sure that no one sees your Mobile Banking password. Always pay extra care when typing in password. x. For security purposes, please change your Mobile Banking password regularly via our Internet Banking Services. xi. For security reasons, you cannot logon to the same "Internet Banking A/C No./Defined User Name" with three channels (e.g. WAP and iPhone/Android App) simultaneously. xii. Do not install applications on your mobile handsets from mistrusted sources. xiii. Do not use any jailbroken iPhone or rooted Android handsets which may have security loopholes and unpredictable consequences.
2.	What should I do if I lose my password or mobile handset?
A:	If you lose your Mobile Banking password/mobile handset, or suspected that your password or security device is used by an unauthorized party, or have found any unauthorized transaction(s) associated with your account, please contact both of your mobile network service provider and us immediately.
3.	I have receive the alert SMS message/email about the internet banking/mobile banking login, what is this?
A:	To protect customer's safety, system would send you a SMS/email alert after you have continuously logged on your internet banking/mobile banking by different IP addresses within a short time. If you suspect there is any unauthorized login, please immediately change your login password.
4.	What is Password Token? How do I apply for it?
A:	Password Token generates a one-time 6-digit dynamic password. To protect your account security during online transactions, you will be required to enter the one-time Dynamic Password generated by Password Token, the password will be unique which increases the security of online transactions and makes your Mobile and Internet Banking experience more secure. To apply for a Password Token, please visit any of our branches.
5.	Can the Password Token apply to both Mobile Banking and Personal Internet Banking services?
A:	Yes. Password Token is applicable for both Mobile Banking and Personal Internet Banking services.
6.	When do I need to use my Password Token for transaction authentication on Mobile Banking?
A:	For security reasons, you are required to authenticate the following transactions by Password Token at Mobile Banking: a)Fund Transfer to non-registered third-party account* b)Registration of third-party beneficiary account c)Registration of Transfer/Remittance Templates d)Investment Transaction Authentication Setting e)Access to investment services, including Securities/Funds /Precious Metals transactions, and investment account enquiries under “My Portfolio”) f)Increasing daily maximum limit of securities trading g)Change of contact information, including mobile number and email h)Change of login password i)Calibration of Password Token * When the transfer amount is greater than your registered Small-value Fund Transfer limit (daily maximum limit is HKD5,000 or equivalent), you are required to use Password Token for transaction authentication.
7.	When do I have to use "Transaction Signing"when I am authenticating transactions with my Password Token?
A:	You are required to use "Transaction Signing" when you authenticate the following transactions by Password Token via Mobile Banking: a)Fund Transfer to non-registered third-party account* b)Registration of third-party beneficiary account “Transaction Signing “ refers to a dynamic password generated by your Password Token after you entered specific transaction information to your token. You are required to enter the dynamic password to your mobile banking transactions within a specified period of time.It protects you by adding an extra layer of security. * When the transfer amount is greater than your registered Small-value Fund Transfer limit (which daily maximum limit is HKD5,000 or equivalent) , you are required to use Password Token for transaction authentication.
8.	Do I have to register my mobile phone number and email address before I use mobile banking services ?
A:	To protect you against unauthorized transactions and receive timely transaction notifications, you are required to provide both your mobile phone number and email address for the following transactions. Please note that below transactions cannot proceed if any of your mobile phone number or email address has not been registered in our Bank : a)Fund Transfer to non-registered third-party account b)Registration of third-party beneficiary account c)Registration of Transfer/Remittance Templates d)Investment Transaction Authentication Setting Please register your contact information via any of our branches or Mobile Banking (“Me > Services and settings > Change Contact Information”) authenticated by Password Token.
9.	What is the transaction limit for Fund Transfer/Remittance via Mobile Banking?
A:	The below transaction limits are accumulated on Mobile Banking and Personal Internet Banking: Transfer Fund to non-registered third-party account: Daily maximum limit of HKD100,000 or equivalent, inclusive of Small-value Fund Transfer (which daily limit is HKD5,000 or equivalent) Transfer to registered third-party account: Daily maximum limit of HKD 500,000 or equivalent (all of your registered third-party accounts will be aggregated automatically)
10.	How do I transfer to a non-registered third party account via Mobile Banking?
A:	To transfer fund to a non-registered third party account via Mobile Banking, please go to “Transfer & Remittance” under “Service”, select “Local Bank Transfer” or “Other Region Remittance”. “Local Bank Transfer” allows you to make funds transfers to our Bank accounts and other local bank accounts via Local General Transfer/ CHATS/ Telegraphic Transfer; “Other Region Remittance” allows you to make transfers to countries/ regions outside Hong Kong via Telegraphic Transfer or ICBC Express.
11.	How do I calibrate my Password Token?
A:	If you are unable to authenticate your transactions by inputting the dynamic password after several attempts, you may wish to calibrate your Password Token. To calibrate, you can open Mobile Banking app and go to “Me > Services and Settings > Token Calibration”. Then, enter the 6-digit dynamic password twice as prompted to complete the calibration.
12.	How do I change my account password?
A:	If you already applied for Password Token, you can change your login password by going to “Me > Services and Settings > Change Password”. You can enter your old password and new password by using your Password Token for authentication. Upon successful authentication, your new password for Mobile Banking and Internet Banking will be successfully changed.

Reactivate Dormant Account

1.	I do not have any transactions from a bank account for 24 months ? How do I reactivate my dormant account ?
A:	You can logon the Mobile Banking App, then click ’’Me>Services and Settings> Reactivate Dormant Account’’ on the lower right corner.
2.	Do I need to complete any authentication after selected the reactivate account(s) ?
A:	You can select Mobile Token or SMS-OTP for authentication.
3.	Do I need to do any transaction after reactivated the account(s) ?
A:	After account reactivation, please use the reactivated account to complete a transfer-in or transfer-out transaction by inter-bank transfer, FPS or remittance before 24:00 on the next calendar day, otherwise the account will became dormant again.
4.	Can I use inward remittance to complete the transaction ?
A:	If you choose to complete a transfer-in transaction via inward remittance，please make sure you have received the remittance funds before using the「Reactivate Dormant Account」function in Mobile Banking.
5.	Joint Account can reactivate the dormant account in Mobile Banking ?
A:	Sorry! Mobile Banking is temporarily unable to provide the reactivation service for joint account, please visit any of our branches for reactivation.