Mobile Banking - Frequently Asked Questions

1. What is the ICBC (Asia) Mobile Banking Services?
A: Our Bank's Mobile Banking Services allow you to manage your accounts and to perform various kinds of transactions anywhere, anytime conveniently and safely when using our designated mobile Web & App services. You will be able to conduct account balance enquiry, perform fund transfer within ICBC (Asia) accounts and to other bank pre-registered accounts along with other great services such as securities trading, etc. Moreover, you can obtain the latest information of our bank.
2. What services does the ICBC (Asia) Mobile Banking provide?
A: With our Mobile Banking Services, you may:

- Securities Services
- Currency Trading
- Foreign Exchange Margin
- Fund subscription / switching / redemption
- Hong Kong dollar or foreign currency Fund Transfer (To self-named or registered accounts)
- Fund Transfer to other bank registered accounts (Local General Transfer, CHATS, Telegraphic Transfer)
- ICBC Express
- Credit card repayment and adjust credit limit
- Bill Payment
- Trade Precious Metal Trading
- Account balance and transaction history
- Exchange rate enquiry
- Branch network enquiry
3. What are the main differences between the new version and the old version Mobile Banking?
A: New version Mobile Banking supports personalized settings. You can put the frequently used functions on the main menu. Moreover, you may enjoy a unique personalized experience by uploading pictures from your album or camera. Furthermore, new functions, like "My life" and "Messages", are added in the brand new Mobile Banking Services. You can get the latest banking products and credit card merchant offers information in a hassle-free way.

4. How to customize my main menu?
A: You can press “Add” on the main menu to show or hide the infrequently used functions.
5. How do I access the ICBC (Asia) Mobile Banking?
A: We support 3 different platforms - iPhone App, Android App and Mobile Web. You can download the ICBC Mobile Banking iPhone/Android App from Apple App Store/Google Play. (Free of charge). For any other mobile devices, you can simply type in the following link: m.icbcasia.com or https://mobilehk.icbc.com.cn. using browsers to access the mobile banking.
6. How do I know if I am using the latest version App?
A: You can check if there is any updated version in Google Play or Apple App 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 open the mobile banking app for the first time?
A: When you open mobile banking app for the first time, you can simply use the mobile banking services by selecting “Hong Kong” for the region and your preferred language.
8. How to login to Mobile Banking Services?
A: The brand new Mobile Banking Service is an open platform. Some functions like, News, Branches, etc. can be used without login. If you are redirected to the login page after clicking a function, which means that such function cannot be used without login. However, you can continue to use that function after entering your account number and password.
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 4.3.3 or above: iPhone, iPod Touch, etc.
- Android OS 2.2 or above: Samsung Galaxy,HTC Legend, etc.
- BlackBerry OS 4.5 or above: BlackBerry 9800, 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” to share the download link of ICBC (Asia) Mobile Banking on popular social platforms, such as WeChat, Weibo, Twitter, etc.
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) Simply login to Mobile Banking, click on the "Application Center" icon in the main page, 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 should update immediately before proceeding to the application;
c. After selecting the settlement account, account purpose, read and agree the "Agreement and Declaration", then click "Next" button to confirm the information is correct, account opening process will be completed.
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.
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, imput 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 ICBC (Asia) Cardless Withdrawal via mobile banking?
A: Customers can perform the ATM Cardless Withdrawal simply by following the steps below:
1. Login to the mobile banking and press “ICBC Cardless Withdrawal” button on the Homepage to enter “ICBC Cardless Withdrawal Limit Setting” for modifying the daily cardless withdrawal limit;
2. Click “…” at the upper right corner of the Homepage to enter the “Scan” function; or press “ICBC Cardless Withdrawal” button on the Homepage to enter “ICBC Cardless Withdrawal” function;
3. Press any key on the ATM keyboard to enter the cardless functional page, and then press “ICBC Cardless Withdrawal” function, a QR Code will display on the screen of the ATM;
4. Scan the QR Code of the ATM for entering the “ICBC Cardless Withdrawal” registration page;
5. Input the withdrawal currency, amount, and account number. The registration will be succeed after verifying the SMS;
6. Click the “Cash Withdrawal” button on the ATM after the registration is successful. The ATM will cash out the relevant amount, 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: The default cardless withdrawal limit is 0. You can modify the cardless withdrawal limit via mobile banking “ICBC Cardless Withdrawal” > “ICBC Cardless Withdrawal Limit Setting”. The maximum limit for cardless withdrawal is HKD6000 daily. It requires the use of Token for raising the limit; the reduction of cardless withdrawal limit does not require Token.
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).
1. What is Touch ID/Fingerprint Login service?
A: The Touch ID/Fingerprint Login Service is a function that uses fingerprint(s) registered on your mobile device in lieu of your ICBC (Asia) personal internet banking user ID and password to confirm your identity to access the Industrial and Commercial Bank of China (Asia) Limited (the “Bank”, “ICBC (Asia)”, “We” or “our”) mobile banking services. It will bring you a faster mobile banking login experience. The Bank strongly recommends that you should read, understand and agree to the “Terms and Conditions for the use of the ICBC (Asia) Touch ID/Fingerprint Login Service” before use. 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 Login Service applicable?
A: The Touch ID/Fingerprint Login 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 Service from time to time.

Touch ID/Fingerprint Login 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 Login service in ICBC (Asia) Mobile Banking Application?
A: You can activate the "Touch ID/Fingerprint Login" service by following the steps below:
1) Login ICBC (Asia) mobile banking via your personal internet banking user ID and password.
2) Enter “Services and settings” under “Me”.
3) Under “Services and settings”, slide the "Touch ID/Fingerprint Login 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) Touch ID/Fingerprint Login Service" carefully.
5) Your mobile registered with the Bank will receive a six-digit SMS verification code. Please enter the verification code within 100 seconds to confirm.
6) Once the verification is successful, you will be back to the "Service and settings" page and will find that the button next to "Touch ID/Fingerprint Login Setting" is open which means the "Touch ID/Fingerprint Login" service is activated.
4. Can I activate the Touch ID/Fingerprint Login 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 only activate the Touch ID/Fingerprint Login service on ONE mobile only.
5. If my fingerprint(s) cannot be recognized, can I still use my personal internet banking account user ID and password to login ICBC (Asia) Mobile Banking service?
A: Yes, you can login ICBC (Asia) mobile banking via your personal internet banking account user ID and password at any time.
6. If there is a fingerprint of another person stored in my mobile, can I still use the Touch ID/Fingerprint Login service?
A: It is strongly recommended that you should only store your own fingerprint(s) in your mobile. You must remove another person’s fingerprint from your mobile before activation of the Touch ID/Fingerprint Login service. Once the Touch ID/Fingerprint Login service is activated, please note that any fingerprint(s) stored in your mobile can login your mobile banking account.
7. How can I deactivate the Touch ID/Fingerprint Login service in ICBC (Asia) Mobile Banking Application?
A: After login ICBC (Asia) mobile banking, you can deactivate the Touch ID/Fingerprint Login service by sliding “Touch ID/Fingerprint Login 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 Login Service will be mandatorily suspended?
A: Your Touch ID/Fingerprint Login 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 Login Service is activated on multiple permitted mobile devices by using the same ICBC (Asia) personal internet banking account, the Touch ID/Fingerprint Service would be deactivated on all permitted mobile device except the latest one;
6) If one login to 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 to activate the Touch ID/Fingerprint Login Service, the originally activated Touch ID/Fingerprint Login Service 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 Login 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 account login password, and re-register your fingerprint(s) for the usage of Touch ID/Fingerprint Login 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.

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.
1. Can I enquire all ICBC (Asia) accounts balance through our Mobile Banking Service?
A: Yes, you can view the registered deposit, credit card, investment and loan accounts balance via “My Portfolio” in Mobile Banking.
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 ".
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.
1. Do I need to pay the service charges for using the “ICBC Securities” services?
A: 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.
2. Does “ICBC Securities” provide real-time stock quote?
A: 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.
3. What are the service hours of “ICBC Securities”?
A: 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 9:15 a.m to 4:00 p.m. on trading dates);

Input New Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.

• Enhanced Limit Order

Anytime (except Closing Auction Session)

Input New Order during trading period will be effective on the same trading date; after trading session, you can input order for next trading day.

• Odd-Lot Sell

Input same day order from 8:00am - 4:00pm on trading dates.

4. What kind of securities can be traded on “ICBC Securities”?
A: 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”.
5. How does the system process order for next trading day?
A: For order placed after trading session, please note:
1. System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
2. Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again.
3. Order can only be cancelled, but not modified, after placed.
4. You can amend the order after 8:00 am on the trading day. Alternatively, you can cancel and then re-submit the order.
6. Do I have to input the order quantity in the board lot size?
A: 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.
7. How long does the order last?
A: Please read the expiry date when you input an order. In normal case, input new order during trading period will be effective on the same trading date. After trading session, you can input order for next trading day.
8. How can I know my order has been received or executed by the Bank?
A: After you place an order via Internet Securities Services channel, an order acknowledgement will be promptly issued with a unique reference number, which ensures that the order has been received by the Bank. After the order has been executed, subsequent e-mail or mobile short message will also be delivered to you indicating the current order status. You may also check the real-time status of specific orders on “Trading> Query> Order Status Enquiry” on “ICBC Securities”. Please note that duplicated orders will be treated and processed separately.
9. How long will be previous orders kept on “Order Status Enquiry”?
A: “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?
A: 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?
A: 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?
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.
13. Whether the execution of transaction will affect my account portfolio in the same day?
A: 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?
A: Yes.
15. How can I check my portfolio balance and securities on hand?
A: 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?
A: 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?
A: 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?
A: 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?
A: 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?
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.
21. Am I required to select trade status notification?
A: 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?
A: 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. How to deposit / withdraw share certificate?
A: 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?
A: 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.
1. What are the trading sessions and the trading mechanism?
A: From 9:00 a.m. to 9:30 a.m. - Pre-opening Session
- Only At-auction Limit Order will be placed to the market for matching.
- If you have placed your At-auction Limit Order, you are advised to check your order between 9:00 a.m. to 9:15 a.m. whether it has been successfully accepted and, if not, you may re-input your order before 9:15 a.m. If your At-auction Limit Order price deviates twice or more from the market price, or is half or less of that price, your order might be rejected by HKEX.
- At-auction Limit Order(s) cannot be modified or cancelled after 9:15 a.m.
- After order matching in the Pre-opening Session, unfilled At-auction Limit Order will be converted to Limit Order and carried forward into the Continuous Trading Session after 9:30 a.m. on the same day.
From 9:30a.m. to 04:00p.m. - Continuous Trading Session
- Enhanced Limit Order 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.
2. What is a "At-auction Limit Order" and "Enhanced Limit Order"?
A: "At-auction Limit Order" is a limit order with a specified price which should not deviate twice or more from the market price, or is half or less of that price. After order matching in the pre-opening session, unfilled at-auction limit orders will be converted to limit orders at the input price and carried forward to the continuous trading session.
"Enhanced Limit Order" is similar to a limit order. An Investor should give clear instructions about the highest price or lowest price he is willing to pay or dispose. It will allow matching of up to 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.
3. What is HKEX's spread table?
A:

Prices of Securities (HKD)

Minimum Spread (HKD)

0.01 - 0.25

0.001

0.25 - 0.5

0.005

0.5 - 10

0.01

10 - 20

0.02

20 - 100

0.05

100 - 200

0.10

200 - 500

0.20

500 - 1,000

0.50

1,000 - 2,000

1.00

2,000 - 5,000

2.00

5,000 - 9,995

5.00

4. How do I know the status of my trade order?
A: Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:

Status Message

Description

Waiting Placed

The order has not been executed and is waiting for the response of the stock exchange.

Placed

The order has been placed at the market and is queued for execution.

Fully Executed

All quantities of the order have been successfully traded in the market.

Partially Executed

Only part of the order quantities have been successfully traded in the market.

Waiting Modified

The modification instruction has not been executed and is waiting for the response of the Stock Exchange.

Modified

The order has been successfully modified according to your specification.

Waiting Cancelled

The cancellation instruction has not been executed and is waiting for the response of the Stock Exchange,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.

5. How does the Bank handle the orders when typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued ?
A: 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.
6. How will the HK stock odd lots be sold?
A: 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.
7. Can I amend odd-lot order?
A: Odd-lot sell order can only be cancelled by cannot be modified after placed.
1. How can I apply for Shanghai-Hong Kong (SHHK) Stock Connect and Shenzhen-Hong Kong (SZHK) Stock Connect Trading Service?
A: 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.
2. Why need to sign the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading?
A: 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.
3. What will be the impact if the customer does not agree the Processing of Personal Data Statement concerning China Stock Connect Northbound Trading?
A: 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.
4. For SSE/SZSE securities, all securities transactions are settled in HKD?
A: 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.
5. Do I need to pay for the transactions of SSE/SZSE securities by Internet Banking / Mobile Banking Securities Services?
A: 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.
6. How long does the SHHK/SZHK order last?
A: 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.
7. How does the system process the SHHK/SZHK order for next trading day?
A: For order placed after trading session, please note:
1. System will not debit the investable amount immediately. Please make sure the Securities/settlement account has sufficient amount before 8:00a.m. on the trading date. Otherwise, the instruction cannot be executed.
2. Please check your order status during trading hours to ensure whether your order placed has been successfully accepted. If the order has not been accepted, you can input the order again.
3. Order can only be cancelled, but not modified, after placed.
4. If you want to amend the order, you can cancel and then re-submit the order.
8. 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?
A: Yes.
9. How do I know the SSE/SZSE securities trading status of my trade order?
A: Our services let customers enquire about or acknowledge real-time trade order status. Here are the details of various status messages:
Status Message Description
Waiting Placed The order has not been executed and is waiting for the response of the stock exchange.
Placed The order 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?
A:
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
Continuous Auction (Afternoon) 13:00 - 14:57 12:55 - 15:00
Closing Call Auction 14:57 - 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.

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.
    1. How can I apply for the Mobile Banking Securities Services?
    A: You may apply new "Consolidated Investment Account - Securities (Cash)" via Internet Banking (for Personal Customers only) or visit any of our branches to apply for a "Consolidated Investment Account - Securities (Cash)" and complete the 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.
    2. If I already have a "Consolidated Investment Account - Securities (Cash)" with ICBC(Asia), can I use the Mobile Banking Securities Services immediately?
    A: Yes, you can use Mobile Banking Securities Services after a business day when account successfully opened.
    3. Do I need to pay for using the Mobile Banking Securities Services?
    A: 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.
    4. Do Mobile Banking Securities Services provide real time stock quote?
    A: 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.
    5. What are the service hours of Mobile Banking Securities Services?
    A:

    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 9:15 a.m to 4:00 p.m. on trading dates);

    Input New Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.

    • Enhanced Limit Order

    Anytime (except Closing Auction Session)

    Input New Order during trading period will be effective on the same trading date; after trading session, you can input order for next trading day.

    • Odd-Lot Sell

    Input same day order from 8:00am - 4:00pm on trading dates.

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

     


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

    6. What are the trading sessions and the trading mechanism?
    A: From 9:00 a.m. to 9:30 a.m. - Pre-opening Session
    - Only At-auction Limit Order will be placed to the market for matching.
    - If you have placed your At-auction Limit Order, you are advised to check your order between 9:00 a.m. to 9:15 a.m. whether it has been successfully accepted and, if not, you may re-input your order before 9:15 a.m. If your At-auction Limit Order price deviates twice or more from the market price, or is half or less of that price, your order might be rejected by HKEX.
    - At-auction Limit Order(s) cannot be modified or cancelled after 9:15 a.m.
    - After order matching in the Pre-opening Session, unfilled At-auction Limit Order will be converted to Limit Order and carried forward into the Continuous Trading Session after 9:30 a.m. on the same day.
    From 9:30a.m. to 04:00p.m. - Continuous Trading Session
    - Enhanced Limit Order 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.
    7. What channels available to place Securities order?
    A: Customers can place the order via Internet Banking or Mobile Banking (for Personal Customers only), Automated Phone Securities Services (218 95588) and designated branches.
    8. How does the Bank handle the orders when typhoon signal no. 8 or above is lowered or when the black rainstorm warning is discontinued?
    A: 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.
    9. What are the features of Mobile Banking Securities Services?
    A: 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?
    A: 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?
    A: 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?
    A:

    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.

     

    Mobile Banking Securities Services Designated Branch and Manned Phone Investment Services Securities Trading Hotline

    Enhanced Limit Order System accepts order price within 200 spreads of the market price. The Enhanced Limit Order will be passed to the HKEX for processing once it falls within the 15 spread range of the market prices. System will not monitor the order price. If the order price you place deviates more than 24 spreads of the market price, your order might be rejected System will not monitor the order price. If the order price you input deviates more than 24 spreads of the market price, your order might be rejected
    Order Input Period Can Input anytime (Except 9:15 a.m to 4:00 p.m. on trading dates for ALO) Can place order from 8:00am to 4:00pm on trading dates Can place order from 8:00am to 4:00pm on trading dates
    Sell Odd-Lot Yes Yes No
    Note: At-Auction Limit order has the same processing logics for all channels. If your At-auction Limit Order price deviates twice or more from the market price, or is half or less of that price, your order might be rejected by HKEX (Except Closing Auction Session).
    13. What is HKEX's spread table?
    A:

    Prices of Securities (HKD)

    Minimum Spread (HKD)

    0.01 - 0.25

    0.001

    0.25 - 0.5

    0.005

    0.5 - 10

    0.01

    10 - 20

    0.02

    20 - 100

    0.05

    100 - 200

    0.10

    200 - 500

    0.20

    500 - 1,000

    0.50

    1,000 - 2,000

    1.00

    2,000 - 5,000

    2.00

    5,000 - 9,995

    5.00

    14. How does the system process order for next trading day?
    A: 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?
    A: Yes. Odd lot size orders will not be accepted.
    16. Do I have to input the order quantity in the board lot size?
    A: Yes. Odd lot size orders will not be accepted.
    17. How will the odd lots be sold?
    A: The odd-lot order will be executed manually, which may take longer processing time. The odd lot orders will be traded at the prevailing odd lot market prices. The odd lot market price will usually be lower than the prevailing board lot market price and the transaction amount may not be able to cover the transaction fee. The Bank reserves the right to reject such order. If you sell a stock more than once a day, your transactions would be combined into one sell order (including odd lot shares), so as to save more for you.
    18. Can I amend odd-lot order?
    A: Odd-lot sell order can only be cancelled, but not modified, after placed.
    19. How long does the order last?
    A: Please read the expiry date when you input an order. In normal case, input new Order during trading period will be effective on the same trading date, after trading session, you can input order for next trading day.
    20. How long will previous orders be kept on my order status?
    A: 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?
    A: 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?
    A: You may amend or cancel any outstanding order by going to the Amend an Order or Cancel an Order page. Our system will then pass your instruction to Stock Exchange of Hong Kong upon receiving your request. Please note: Orders for next trading day only be cancelled, but not modified, after placed. You may amend the order after 8:00am on the trading date. Alternatively, you can cancel and then re-submit the order.
    23. How will I be notified of the execution results?
    A: 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?
    A:

    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.
    1. What are the service hours for Mobile Fund Transfer Service?
    A: Our Mobile Fund Transfer offers 24-hour service. However, some specified transactions such as Telegraphic Transfer and CHATS are in .
    2. Can I transfer funds overseas through the Mobile Banking Services?
    A: Yes, you can transfer funds to overseas banks by Telegraphic Transfer.
    3. Can I transfer CNY to other bank accounts in Mainland China via your Mobile Banking Service?
    A: Yes, you can transfer CNY to other bank accounts in Mainland China via CNY Telegraphic Transfer. However, at this moment, this service is only applicable for personal CNY account holders and the beneficiaries with CNY accounts registered in our internet banking.
    4. Do I need to pre-register the beneficiary accounts for transferring fund to other overseas banks?
    A: Yes, you need to register the beneficiary accounts if you want to perform fund transfer to other overseas banks through our Mobile Banking service.
    5. Is there any service charge or corresponding fee involved in Telegraphic Transfer via Mobile Banking Service?
    A: Yes, corresponding fee and charges are levied on your designated payment account automatically.
    6. What are the service hours for Mobile Telegraphic Transfer?
    A: For Telegraphic Transfer of HKD and USD, the service is available from 9:00 a.m. to 5:00 p,m., Monday to Friday. For Telegraphic Transfer of CNY, the service is available from 9:00 a.m. to 2:30 p.m., Monday to Friday. For Telegraphic Transfer of all currencies except HKD, USD and CNY,the service is available from 9:00 a.m. to 3:00 p.m. Monday to Friday.
    7. When will the payee receive the money if I perform a Telegraphic Transfer today?
    A: The remittance amount, corresponding fees and charges will be debited from your account immediately. However, the time for payee to receive money will depend on the processing time of the corresponding bank.
    8. Do I need to open a multi currencies account beforehand if I perform a telegraphic transfer?
    A: No, it is not necessary. After you have selected the types of currency remitted, the relevant exchange rate and equivalent HKD amount will be shown in the next page for your confirmation before proceeding.
    9. Do I need to open a CNY account beforehand for performing CNY Telegraphic Transfer via Mobile Banking Service?
    A: Yes, you need to open a CNY Account beforehand. It is because the remittance amount must be debited from the remitter's CNY account.
    10. Do I need to pre-register the beneficiary accounts for transferring CNY to other banking accounts in China?
    A: Yes, you need to pre-register the beneficiary accounts at branch and the beneficiaries' name must be registered in Chinese Telex Code unless the beneficiary has no Chinese name. Meanwhile, the remitter's name must be the same as the beneficiary.
    11. How many beneficiary accounts can be pre-registered for fund transfer to other overseas banks?
    A: You can pre-register a maximum of ninety-nine beneficiary accounts in the Mobile Banking Package for transfer funds overseas.
    12. Do I need to pre-register the beneficiary accounts for fund transfer by CHATS?
    A: Yes, you need to register the beneficiary accounts at branches.
    13. Is there any service charge involved in fund transfer by CHATS with our Mobile Banking Service?
    A: Yes, the corresponding charges are levied on your designated payment account automatically.
    14. What are the service hours for Mobile CHATS Service?
    A: For HKD & USD via CHATS, the service is available from 9:30a.m. to 5:00p.m., Monday to Friday. For Euro and CNY via CHATS, the service is available from 9:30a.m. to 4:00p.m., Monday to Friday.
    15. When will the beneficiary receive the money if I perform a CHATS transfer today?
    A: The remittance amount and fees will be debited from your account immediately and the beneficiary will receive the money on the same day.
    16. What are the service hours for Mobile Banking Local General Transfer Service?
    A: Local General Transfer is available from Monday to Friday (24 hours, except public holidays). Instruction accepted before cutoff time, funds will be credited to the recipient's account by the end of the day, subject to the recipient bank's arrangement. Otherwise, funds will be credited to the recipient account on the next day, subject to the recipient bank's arrangement. (Cutoff time: Mon - Fri 2p.m. Instruction received after Fri 2p.m. would be executed on the next Monday)
    17. Do I need to pre-register the beneficiary accounts for transferring fund to other accounts within ICBC Group by ICBC Express?
    A: Yes, you need to pre-register the beneficiary accounts via branches or Internet Banking if you want to perform fund transfer to other accounts within ICBC Group by ICBC Express through our Mobile Banking service.
    18. What are the service hours for Mobile Banking ICBC Express Service?
    A: For HKD & USD remittance via ICBC Express, the service is available from 00:00 to 17:00, Monday to Friday.(except Saturday, Sunday and public holidays)
    19. What is "Message"?
    A: “Local General Transfer Message” only accepts letters (such as A a B b … Y y Z z), numbers (such as 1 2 3 4 5 6 7 8 9 0), symbols (such as . (-) /, : ) and spaces, “CHATS and Telegraphic Transfer Message” only accepts letters (such as A a B b … Y y Z z), numbers (such as 1 2 3 4 5 6 7 8 9 0), symbols (such as . (-) /, : ) and spaces, the first character cannot be 「/」、「:」、「-」, and repeated space cannot be used among characters.
    i) If the "Message" has been registered, you can find the registered Message in Input Page, Confirmation Page and Acknowledgment Page; if you want to show new messages, you can enter new message in "Message" box instead.
    ii) For the non-registered Message, you can type the m essages you want in "Message" box on Input Page so that the message will be shown on both Confirmation Page and Acknowledgment Page.
    20. How can I know the display pattern on those the transfer accounts shown in Mobile Banking?
    A: To make the Mobile Banking design more user-friendly, accounts are displayed with the specified pattern: Account No. + Account Type (first three alphanumeric characters and the last alphabets), after selecting the Account Type, the Account Currency will be shown in the below line.
    21. Can I preset a scheduled transfer/remittance?
    A: Yes, you can preset your scheduled transfer/remittance up to 90 calendar days ahead of time. The effective date of the scheduled transfer within the bank with same currency is Monday to Sunday. The effective date of other transfer/remittance must be Monday to Friday (except public holidays).
    22. Can I delete a scheduled transfer/remittance?
    A: Yes, you can delete your scheduled transfer/remittance anytime via mobile banking before the effective date.
    23. Can I make any amendments to the scheduled transfer/remittance?
    A: No, you can delete your scheduled transfer/remittance anytime via mobile banking before the effective date and set up a new scheduled transfer/remittance instruction again.
    24. Do I need to have sufficient fund in my account when I make a scheduled transfer/remittance?
    A: Yes, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.
    25. How do I know the result of my scheduled transfer/remittance?
    A: You can check whether the transaction has been accepted or rejected in your Mobile Banking (Fund Transfer and Remittance > Transfer/Remittance Instruction Enquiry) on the execution date.
    26. 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)
  • 27. 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.
    1. What is Small-value Fund Transfer service?
    A: Small-value Fund Transfer service allows you to submit a transaction instruction to non-registered third party accounts without token authentication. This service currently applies to fund transfers within our bank, to other local and overseas banks, ICBC express. The maximum Small-value fund transfer accumulative limit is HKD 5000 for 2 days.
    2. How can I apply for Small-value Fund Transfer service?
    A: You can apply through the following channels: branch or Personal Internet Banking (must have a password token)
    - Branch: You can adjust the Small-value fund transfer limit with a maximum limit of HKD 5000 for 2 days and the limit must be smaller than the daily accumulative limit for transfer/remittance to unregistered third-party account. The limit will be shared between Mobile Banking and Internet Banking channels.
    - Internet Banking: You can adjust the Small-value fund transfer limit with a maximum of HKD5,000 for 2 days online via "Customer Services">"Transaction Limit Adjustment" using the horizontal menu, and “Customer Services”>"Account Setting”>”Transaction Limit Adjustment" using the vertical menu. Note that the daily accumulative limit for transfer/remittance to unregistered third-party account will also have to be increased, and must be larger or equal to the Small-value fund transfer limit within 2 days.
    3. If I have already registered for Mobile Banking, can I use Small-value fund Transfer function immediately?
    a: No, the default Small-value fund transfer limit is 0. You must apply via branch or Personal Internet Banking to increase the Small-value fund transfer limit and the related transaction limits.
    4. How is the 2-day accumulated limit calculated for Small-value fund transfer submitted through the reservation method (fund transfers within our bank, to other local and overseas banks, ICBC express)?
    A: Whether you use the immediate or scheduled transfer method, system calculates the transaction limit based on submission date. For example, you have submitted an immediate transfer for HKD 1000, two scheduled transfers for HKD 500, the accumulated transfer limit of today is HKD 2000.
    1. What is “QR Code Transfer”?
    A: “QR Code Transfer” is done by scanning the QR Code from the recipient of our Bank after you have logged in to our mobile banking service. You can make instant fund transfers to the recipient account within our Bank by simply entering the login password again at the transaction screen.
    2. How to create a “QR Code for receiving payment” ?
    A: The “QR Code Transfer” service is only applicable to ICBC (Asia) Mobile Banking customers using either Android or iPhone. Both payers and recipients must be ICBC (Asia) HKD account holders. The process of creating a QR Code for receiving payment is as follows:
    Step 1: Login to Mobile Banking and press “Transfer & Remittance”
    Step 2:Select “QR Code Transfer” and select “Create QR Code for receive payment”
    Step 3: Select the recipient account, currency type, enter the transfer amount, then set the QR Code”, “Name” and “Remark”, then press “Confirm”. The QR Code for receiving payment will be created immediately.
    3. How to receive money via “QR Code Transfer”?
    A: After successfully creating the “QR Code for receiving payment”, you can press the “Share” button to share the QR Code generated via WeChat, Weibo, Twitter, Whatsapp and Line to the Bank’s payer. The payer can directly scan or upload the QR Code via “QR Code Payment” to complete the payment.
    4. (4) How to make payments via “QR Code Transfer”?
    A: The “QR Code Transfer” service is only applicable to ICBC (Asia) Mobile Banking customers using either Android or iPhone. Both payers and recipients must be ICBC (Asia) HKD account holders. The process of making payment via “QR Code Transfer” is as follows: The process of making payments via “QR Code Transfer” is as follows:
    Step 1: Login to the Mobile Banking and select “Transfer & Remittance”
    Step 2: Press “QR Code Transfer” and then select “QR Code Payment”
    Step 3:Scan or upload the QR Code from the album
    Step 4: Select the payment account and confirm the payment amount. Type in the login password again. The payment will be completed immediately.
    5. How long will the QR Code be valid for?
    A: The QR code will be valid for 7 calendar days.
    6. How to check the generated QR Code(s)?
    A: You can press “My QR Code” to check all generated QR code(s). You can also press the “Valid” button to check for valid QR Codes and press the “Expired” button to check for expired QR Codes.
    7. Can I cancel the generated QR Code(s)?
    A: Yes. To cancel a generated QR Code, you can press “My QR Code” and select the QR Code you want to cancel,then press “Cancel” button and confirm the cancellation process.
    8. Can I check the payment history?
    A: Yes. You can check your payment history by pressing “Payment History” button in the “QR Code Transfer” page.
    9. Is there any fee when using “QR Code Transfer”?
    A: No, using “QR Code Transfer” is free of charge.
    10. Can a QR Code for receiving payment support multiple scans?
    A: Yes, a QR Code for receiving payment can be scanned multiple times during the QR Code’s validity period.
    11. Can a QR Code for receiving payment support multiple scans?
    A: Yes. The limit of “QR Code Transfer” is based on the “Small-value Fund Transfer limit”. The maximum limit of “Small-value Fund Transfer” limit is HKD 5,000 per day, without limitation on the number of transfers.
    1. What transactions can be carried out via Mobile Banking Funds Service?
    A: You can enquire the fund details which you had previously subscribed through our bank, perform fund subscription, redemption, switching, set up and terminate Monthly Saving Plan.
    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 your account for settlement, 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 from different funds; please refer to the content on the transaction page.
    6. When will my Funds 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">"Setup Monthly Saving Plan", and search by Mutual Funds which suit your needs. 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: Your order of setup Monthly Saving Plan will be proceed on the next business day (except Saturday), please ensure your settlement account has sufficient amount for contribution.
    11. What is the minimum investment amount for the Monthly Saving Plan?
    A: This is the monthly investment contribution for the selected fund. The minimum investment amount for every funds 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 proceed to our branches for application.
    13. 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">"Monthly Saving Plan Summary" and click "Terminate Plan", the earliest effective day can be next business day (except Saturday) after you confirm the order.
    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.
    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.
    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.
    1. 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.
    2. 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
    Reminder for consecutive password error When input incorrect password for 5 times in Internet Banking / Mobile Banking
    3. 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.
    4. How do I set up or amend the Service on mobile banking?
    Ans: To activate the Service, please logon to the Mobile Banking Services, select "ICBC Messaging" on the main page, press “Messaging Setting” select suitable messaging product,fill in the contents and press “submit”. To amend the customized Service, please press “My ICBC Messaging”, select the service for amendment and click “Submit” after finishing the amendment.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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: Notifications will be sent via email , SMS and ”ICBC Messaging” official account under the “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.
    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
    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.
    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.
    1. Please click here to read the Mobile Payment Frequently Asked Questions.
    1. How can I apply for Integrated Account and / or Flexi Plus Account via mobile banking?
    A: Customers only need to follow the steps below to complete the account opening process quickly and easily:
    1) Simply login to the mobile banking, click on the “Application Centre” icon in the main page, then select “Apply Flex Plus and Integrated Accounts”;
    2) Choose the account type which you want to apply, read and agree to the relevant account opening statement carefully, then click the “Open immediately” button;
    3) Customers need to select the settlement account, account purpose, read and agree the “Agreement and Declaration” in the input page, then click “Next” button to confirm the information is correct. Account opening process is completed.
    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.
    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")
    1. Is it necessary to open a time-deposit account before making a time deposit with the Bank through Mobile Banking Service?
    A: Yes, you should have opened a Time Deposit Account before making a time deposit with the Bank through Mobile Banking Service.
    2. What are the different types of Time Deposits that I can process through your Mobile Banking Service?
    A: You can open\withdraw Regular Hong Kong Dollar, Renminbi and Foreign Currency Time Deposit and amend maturity instruction through our Mobile Banking Service.
    3. What are the minimum deposit amounts of setting up Time Deposit?
    A: Minimum deposit amounts of setting up Time Deposit are:

    HKD, CNY 5,000、AUD 1,000、CAD 1,000、JPY 100,000、GBP 1,000、EUR 1,000、CHF 1,000、USD 1,000、NZD 1,000.
    4. Can I place the maturity instruction for transferring funds to another foreign currency amount through your Mobile Banking Service?
    A: No, maturity instruction involving transfer of funds to another foreign currency amount is not accepted.
    5. Can I amend the maturity instruction when the deposit has been made?
    A: Yes, you can amend the maturity instruction within the service hours on or before the deposit maturity date.
    6. If I have made a time deposit at branch or Internet Banking, can I change the maturity instruction through your Mobile Banking Service?
    A: Yes, you can amend the maturity instruction of your regular Time Deposit within the service hours on or before the deposit maturity date as long as the time deposit account can be operated through our Mobile Banking Service.
    7. What are the service hours for the function of open/withdraw time deposit and amend maturity instruction?
    A: The service hours is as follows:

    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 00:00 to Saturday 13:00.
    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.
    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.
    1. What information can I receive from "Message" / "My Life"?
    A: After following the official account, you will be able to receive the latest promotions of the banking products and the credit card merchants.
    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 "Message" and "My Life" pages?
    A: Sorry,"Message" and "My Life" pages only support Chinese version now. English version will be available soon.
    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 "https://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.