| Q1. | 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 exception. |
| Q2. | Can I transfer funds overseas through your Mobile Banking Service? |
| A: | Yes, you can transfer funds to overseas banks by Telegraphic Transfer. |
| Q3. | 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. |
| Q4. | 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. |
| Q5. | 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. |
| Q6. | What are the service hours for Mobile Telegraphic Transfer? |
| A: | For Telegraphic Transfer of all currencies except CAD and CNY, the service is available from 9:30a.m. to 3:00p.m., Monday to Friday. For Telegraphic Transfer of CAD and CNY, the service is available from 9:30a.m. to 2:00p.m., Monday to Friday. |
| Q7. | 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. |
| Q8. | 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. |
| Q9. | 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. |
| Q10. | 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. |
| Q11. | 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. |
| Q12. | 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. |
| Q13. | 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. |
| Q14. | 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. |
| Q15. | 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. |
| Q16. | What are the service hours for Mobile Banking Electronic Clearing Service? |
| A: | Electronic Clearing is available from 9:00a.m. to 10:00p.m., Monday to Friday (except public holidays). Instruction accepted before cutoff time,funds will be credited to the recipient's account by the end of the day,subject to the recipient bank's arrangement. Otherwise, funds will be credited to the recipient account on the next day, subject to the recipient bank's arrangement. (Cutoff time: Mon - Fri 2p.m. Instruction received after Fri 2p.m. would be executed on the next Mon) |
| Q17. | 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 (for English Version): “Currency (combination of three alphabets) + one space + Account Type (first three alphanumeric characters and the last alphabets) + Account No. (nine digits) + ** (Two Star Signs)” |
| Q18. | What is “Message”? |
| A: | The users can describe the transaction via “Message” and such message will be displayed in the transaction Confirmation Page and Acknowledgment Page. “Message” only accepts letters, numbers, symbols (. ( + ) - / , ?: ’) and spaces. To make the Remittance Services more flexible, there are special display patterns and fill in methods of “Message” for the transactions of Electronic Clearing, CHATS, Telegraphic Transfer. i) If the “Message” has been registered in internet banking, it will not be shown on Input Page but you can find the registered Message in both Confirmation Page and Acknowledgment Page. If you do not want to show the registered messages, you can input a “space” in the “Message” box instead; if you want to show new messages, you can enter new message in “Message” box instead. ii) For the non-registered Message, you can type the messages you want in “Message” box on Input Page so that the message will be shown on both Confirmation Page and Acknowledgment Page |