Transfer
Transaction Record
High Risk Alert

Transfer
Internal Transfer
Fast Payment System (FPS)
Express Transfer ( RTGS / CHATS )

Internal Transfer
  1. Internet Banking provides you with 24-hour transfer services.
  2. You may make funds transfers to non-registered payee or registered bank accounts, including your personal accounts and third party accounts within the Bank (except the Bank’s overseas account), where third party accounts include HKD Savings Accounts, HKD Current Accounts, Renminbi Savings Accounts, Renminbi Current Accounts, USD Current Accounts and MTC Accounts.
  3. You may change the daily fund transfer limit to non-registered payee or a registered third party account. For details, please click here.
  4. You may register accounts online. For details, please click here.
  5. You may transfer fund at anytime or set up a preset instruction to be effective in the next 45 days.
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Faster Payment System (FPS)
  1. Through Faster Payment System (FPS), you can transfer funds in HKD and CNY from your accounts with BOCHK to accounts with other local banks or institutions via the real time Faster Payment System (FPS) of Hong Kong Interbank Clearing Limited. Funds should be paid to the beneficiary bank immediately under normal circumstances.
  2. To ensure your financial security, please carefully verify the merchant name or payee name (partially masked) before making FPS payment by Mobile Phone No., E-mail Address, FPS Identifier or making QR Code Payment after login to Personal Mobile Banking. If you receive any suspicious payment request, please confirm with the payee before making payment. For more details of online security tips, please visit our website: www.bochk.com (Home > Security information).
  3. Customers can conduct real-time local interbank payment services with 7x24 hours through Faster Payment System (FPS). In addition to the general account number, if the beneficiary has registered his/her mobile phone number or email address or FPS ID as the Proxy ID with his/her own bank or institution in advance, customer can conduct real-time interbank transfer to the beneficiary’s account by using the beneficiary’s phone number or email address (depending on the beneficiary’s registration).
  4. You may input the Payment Details. However, the message is merely for the recipient as a reference and does not constitute as part of instruction to the Bank or the receiving bank.
  5. Message
    • Accepted Characters
      • English Characters, e.g. A,a,B,b,C,c
      • Numerical Characters, e.g. 1,2,3
      • Symbols : / - ? : ( ) . , ' +
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Express Transfer ( RTGS / CHATS )

  1. Through Express Transfer, you can transfer funds in USD and EUR from your accounts with BOCHK to accounts with other local banks via the Real Time Gross Settlement System of Hong Kong Interbank Clearing Limited. Funds will be deducted immediately from the remitter's account or on the "Transfer Date", and the beneficiary bank will receive the funds immediately or in the morning of the "Transfer Date" at the earliest under normal circumstances.

  2. For details on Non-registered Payee Daily Transfer Limit, third party account fund transfer limit and fund transfer account registration, please click here.

  3. Charge in BOCHK is waived, beneficiary bank may impose fees.

  4. You may input the Payment Details. However, the message is merely for the recipient as a reference and does not constitute as part of instruction to the Bank or the receiving bank.

  5. Cut-off Time on the Day
    6. Mon - Fri Sat, Sun & Public Holiday
    Express Transfer ( RTGS / CHATS )
    USD/EUR
    17:45    		 --
  6. Service Hours
    7. Mon - Fri Sat, Sun & Public Holiday
    Express Transfer ( RTGS / CHATS )
    USD/EUR
    09:00 - 17:45    		 --
    Scheduled Instruction* 24 Hours 24 Hours
    Transaction Record 24 Hours 24 Hours
    Template 24 Hours 24 Hours

    * Under normal situation, scheduled instruction will be executed and debited to the designated account at around 09:00 on the execution day. Please keep sufficient balance for fund transfer.

  7. Message
    • Accepted Characters
      • English Characters, e.g. A,a,B,b,C,c
      • Numerical Characters, e.g. 1,2,3
      • Symbols : / - ? : ( ) . , ' +
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Transaction Record
Transfer
Express Transfer ( RTGS / CHATS )

Transfer
  1. You can review all or a certain type of transaction records.
  2. You may enquire previous transactions including transfer outwards via "Transfer/FPS" and transfer inwards to Saving, Current or MTC account via FPS of the last 45 days.
  3. You may enquire preset instructions which will be effective in the next 45 days.
  4. You may click "Update" to amend preset transfer instructions.
  5. You may click "Delete" to delete preset transfer instructions.
  6. Amendment or cancellation of the scheduled instructions of joint account is only available to the joint account holder who set up that scheduled instruction.
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Express Transfer ( RTGS / CHATS )

The "Status" would indicate the situation for each "Express Transfer (RTGS/CHATS)" transaction. The explanations are as follows:
Status Remarks
Processing The transfer is under process.
Completed Receiving bank has received the transferred amount.
Rejected Receiving bank has rejected the transfer. (The funds will be returned to you within 2 working days after deducting the handling charge.)
Waiting to be Processed The transfer application has been submitted, and the application would be processed on the scheduled date.
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High Risk Alert
  1. Please click here for the details of High Risk Alert.
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