Login Hong Kong Internet Banking

Due to system maintenance, “BOC Credit Card” services listed below may be affected for a short period of time from 03:00 am to 06:00am on 30 November 2025 (Sunday). Please make advanced arrangements if necessary. We apologise for any inconvenience caused.

Services impacted:
• Cash Installment, Statement Installment and Cash Before Card services
• Online Transaction service
• Credit Card QR Code payment services via Alipay and BOC Pay+
• Card Application, Document Upload, Card Application Status Enquiry, Card Activation service

For enquiries, please call our 24-hr Customer Service Hotline at（852）2853 8828.

Thank you for using the services of Bank of China (Hong Kong) Limited and/or BOC Credit Card (International) Limited (each a “Company”).

Please be informed that the Company’s Data Policy Notice (“DPN”) has been amended and will be effective from 1 November 2025 (the “Effective Date”). Part A below sets out a summary of the key amendments to the DPN. In Part B, details of the amendments to different sections are provided for your ease of reference.

Part A: Summary of Key Amendments

Summary of amendments	Part B Section No.
To specify the Company's application of big data analytics and artificial intelligence (BDAI)	1
To update the registered address of BOC Credit Card (International) Limited	2

Part B: Details of Key Amendments

Section	Amendments
1	Paragraph 4 shall be amended as follows: From time to time, it is necessary for the data subjects to supply the Company with data (including through interfaces powered by artificial intelligence) in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of financial, insurance, credit card, securities, commodities, investment, banking and related services and products and facilities.   Paragraph 13 shall be added as follows: The Company or its third party service providers may use big data analytics and artificial intelligence (BDAI) to process and analyse data relating to the data subjects to achieve the purposes listed in paragraph 7 above. The Company may also use BDAI to facilitate automated decision-making for enhancing customer services and experiences, strengthening risk management and compliance, offering personalized products and services, as well as improving operational efficiency.
2	Paragraph 19 shall be amended as follows: The persons to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed are as follows:   BOC Credit Card (International) Limited The Data Protection Officer BOC Credit Card (International) Limited 8/F, BOC Credit Card Centre 68 Connaught Road West Hong Kong Facsimile: (852) 2541 5415

Please note that your continuous use of the Company’s services on or after the Effective Date constitutes your agreement and acceptance of the amendments on the DPN which shall be binding on you. The Company may not be able to continue to provide relevant applicable services to you if you do not accept the amendments on the DPN. The amended version of the DPN is now available on https://www.bochk.com/dam/document/retail/b/e20.pdf and will be available on (BOCHK Website / mobile banking app) on or after the Effective Date. You can also download the Notice from BOCHK website (www.bochk.com) (Home > “What’s new”) on or before 31 October 2025 and you may not be able to access or download it afterwards.

Corresponding amendments have been made to the Company’s Privacy Policy Statement (“PPS”) and will be effective from 1 November 2025, which also specify that the Company applies BDAI in a safe and responsible manner, and has implemented policies and procedures to assess the risks and limitations on the use of BDAI, so as to identify and address the risks and impacts on personal privacy associated with the use of these technologies. The amended version of the PPS will be available at our official website (www.bochk.com) (Home > “Important Notice and Privacy Policy Statement”) from the Effective Date.

Should there be any discrepancy between the English and Chinese versions of this Notice, the English version shall prevail.

For enquiries/responses about the Notice, please call our Customer Service Hotline:

Bank of China (Hong Kong) Limited: (852) 3669 3938

BOC Credit Card (International) Limited: (852) 2108 3288

HKEX announced on 21 July 2025 that phase 1 of the minimum spreads reduction in the Hong Kong securities market (Phase 1) will be launched on 4 August 2025 (Monday) (the “Effective Date”). The key adjustments are as follows¹:

1. For equities, Real Estate Investment Trusts, equity warrants and all other securities (excluding Exchange Traded Products, debt securities, Exchange Traded Options, Inline Warrants and Structured Products²), the minimum spreads of the stocks priced higher than $10 but lower than or equal to $20 will be reduced from $0.020 to $0.010, and stocks priced higher than $20 but lower than or equal to $50 will be reduced from $0.050 to $0.020.

2. The allowable price limit for all securities (except Exchange Traded Products) will be updated from “±24 spreads from the reference price” to “either ±24 spreads or 5% from the reference price, whichever is greater in percentage terms”. This update will apply across all the price bands during the Continuous Trading Session. It should also be noted that the scope and requirement of the “9-time rule” (i.e. order price should not deviate 9 times or more from the nominal price) will remain unchanged.

Before the Effective Date, if you have submitted a Good Till Date order with good till date on or after the Effective Date, and the order price does not fulfill the stock minimum spread after the abovementioned adjustments, please pay attention that this Good Till Date order will be rejected by HKEX or the Bank securities system after the minimum spreads reduction. Please submit the instruction to the Bank again if needed.

For details, please visit the “Reduction of Minimum Spreads” web corner on the HKEX website.

Should you have any enquiry, please contact Investment Service Hotline at (852) 3988 2688.

Should there be any inconsistency between the English and Chinese versions, the Chinese version shall prevail.

<sub><sup>1. Applicable to all currency units (including but not limited to HKD and RMB).
2. Structured Products include Callable Bull/Bear Contracts and Derivative Warrants.</sup></sub>

Please be informed that the Bank’s Instruction - Precious Metal/FX Margin (“The Instruction”) has been amended and will be effective from 25 July 2025 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments. In Part B, details of the amendments are provided for your ease of reference.

By having a Precious Metal/FX Margin Trading Account with us or by using any of our Precious Metal/FX Margin Trading Account service we provide on or after the Effective Date, you acknowledge and agree that the amendments to “The Instruction” shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide related services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of “The Instruction” will be available at our official website (www.bochk.com) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Part A: Key Amendments
“Instruction - Precious Metal/FX Margin”

Summary of the amendments / Important Notes
Section	Point	Key Amendments
Trading	5. Handling Fees	Pursuant to the transformation from the Chinese Gold and Silver Exchange Society to Hong Kong Gold Exchange Limited, to amend the related description.
Margin Call Balance	5. Accrued Interest Receivable / Payable	To supplement the way to enquire about the latest credit/debit rates of relevant currencies.
Margin Transfer	4. Interest Calculation	To supplement the way to enquire about the latest credit/debit rates of relevant currencies.

Part B: Amendment Details
“Instruction - Precious Metal/FX Margin”

Section	Amendments
Trading	Amend Point 5 as follows: 5. Handling Fees • Handling fees are applicable to Tael Gold and Kilo Gold margin transactions. o Commission fee : HKD 25 per lot (To be calculated at the time when the contract is squared) o Custodian fee : HKD 3 per lot per night o Delivery Charge : HKD 50 per lot o    Premium : Premium will be determined according to the Hong Kong Gold Exchange Limited each day, and is quoted per 100 taels (Tael Gold) and per 1,000 grams (Kilo Gold) • At the end of each year, all outstanding margin contracts for Tael Gold and Kilo Gold will be marked to market at the settlement price of the Hong Kong Gold Exchange Limited. Any gain/loss, premium and custodian fee will be credited to or debited from your margin trading account.
Margin Call Balance	Amend Point 5 as follows: 5. Accrued Interest Receivable / Payable • Daily interest will be calculated according to the margin deposit balance of the Precious Metal/FX Margin Trading Account as at 00:00 and the credit/debit interest rates of relevant currencies. For the latest credit/debit interest rates of relevant currencies, you may call our Manned Trading Hotline for enquiry. However, in respect of: (i) credit/debit amounts in various currencies arising from outstanding FX margin contracts; and (ii) the gain/loss after outstanding margin contracts for Tael Gold and Kilo Gold have been marked to market at the relevant day’s afternoon settlement price and the unpaid premium accrued thereon, the interest will accrue from the value date specified in the daily transaction statement at the credit/debit interest rate of the day for the relevant currency quoted by the Bank, and will be calculated separately and independently from the interest on the credit/debit amounts in various currencies accrued on the contracts for London Gold and London Silver in the margin trading account.
Margin Transfer	Amend Point 4 as follows: 4. Interest Calculation Daily interest will be calculated based on the margin deposit balance of the Precious Metal/FX Margin Trading Account as at 00:00 and the credit/debit interest rates of the relevant currencies. For the latest credit/debit interest rates of relevant currencies, you may call our Manned Trading Hotline for enquiry. Please refer to the following example for reference:

To further protect the elderly from scams, Hong Kong Monetary Authority (HKMA) and The Hong Kong Association of Banks jointly launched the “Smart Seniors Anti-Scam Ambassador Programme”. The first two promotional videos (Impersonate law enforcement officers and Deepfake related) were launched with the “Three Anti-Scam Tactics” – Keep Calm, Give Nothing, Verify and Seek Help. For more details, please refer to the following.

Hong Kong Monetary Authority’s Press Release:
https://www.hkma.gov.hk/eng/news-and-media/press-releases/2025/06/20250623-3/

Hong Kong Monetary Authority YouTube Channel：
https://www.youtube.com/playlist?list=PLSPxT7NJ5Rrh9gB1W9FUCMM8FOxS43rh4

Starting from 13 Jul 2025, the US stocks service will extend the trading hours. In addition to the regular trading hours, pre-market and after-hours trading sessions will also be available, allowing customers to trade US stocks during more time periods.

“US Stocks Extended Hours Trading" Service details are as follows:

	Trading Hours
Pre-market session (New)	Hong Kong time from 16:00-21:30 (Daylight Saving Time in the United States)/ 17:00-22:30 (Winter Time in the United States)
Regular trading hours	Hong Kong time from 21:30-04:00 (Daylight Saving Time in the United States)/ 22:30-05:00 (Winter Time in the United States).
After-hours session (New)	Hong Kong time from 04:00-08:00 (Daylight Saving Time in the United States)/ 05:00-09:00 (Winter Time in the United States). In case of half trading days, Hong Kong time from 01:00-05:00 (Daylight Saving Time in the United States)/ Hong Kong time from 02:00-06:00 (Winter Time in the United States),

Please note that regarding "Important Notes for Trading US Shares", "US Stocks Extended Hours Trading Risk Disclosure" will be newly added. For details, please refer to the risk disclosure below or visit BOCHK website (www.bochk.com) (Home > More > Terms and Conditions for Services/Products > Investment > Important Notes for Trading US Shares (Appendix III: US Stocks Extended Hours Trading Risk Disclosure)).

Appendix III
US Stocks Extended Hours Trading Risk Disclosure
Customers can perform US Stock trading in sessions other than regular trading hours (“Extended Hours Trading”). The objective of this Risk Disclosure is to provide basic information and associated risks of Extended Hours Trading. The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you perform Extended Hours Trading. You should carefully consider whether Extended Hours Trading is suitable in light of your own financial situation, investment experience and investment objectives. Please consider seeking independent financial and professional advice before you perform Extended Hours Trading. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in Extended Hours Trading.

1. About Extended Hours Trading
1.1 Extended Hours Trading Sessions and Trade Date
Extended Hours Trading means trading US stocks outside the regular trading hours, including:
- Pre-market session: Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 16:00-21:30 (Daylight Saving Time in the United States)/ 17:00-22:30 (Winter Time in the United States)
- After-hours session: Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 04:00-08:00 (Daylight Saving Time in the United States)/ 05:00-09:00 (Winter Time in the United States). Hong Kong time from 01:00-05:00 (Daylight Saving Time in the United States)/ Hong Kong time from 02:00-06:00 (Winter Time in the United States), in case of half trading days.

(Collectively, “the Extended Hours”)
The Bank reserves the right, at any time and without notice and while processing customer orders, to amend or suspend Extended Hours Trading. The previous pre-market session of the regular trading hours and the following after-hours session will be regarded as the same trade date.

1.2 Stocks available for Extended Hours Trading Most of the exchange-listed stocks are available for trading during the Extended Hours, but not all stocks are available for trading during the Extended Hours, including stocks not applicable for trading in regular hours with the Bank, and those with upcoming corporate actions or affected by other reason(s) that may not be available for trading during the Extended Hours. The Bank will not inform customers if any stock is not available for Extended Hours Trading for any reasons

1.3 Order Type
An order submitted during Extended Hours Trading can only be a Limit Order. Customers need to input price to ensure a buy order will not be executed at a price higher than the input price, while a sell order will not be executed at a price lower than the input price. If the market price deviates from the input price, the order will not be executed, unlike an order submitted during regular hours trading which can be a Market Order or a Limit Order.

1.4 Trading Hours Options and the Instruction Handling
Customers have two trading sessions to choose from when trading US stocks:
(1) Regular and Extended Hours (Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 16:00- 08:00 (The next date) (Daylight Saving Time in the United States)/ 17:00-09:00 (The next date) (Winter Time in the United States) for trade dates):

If the day order is not executed/partially executed during pre-market session, the order will be transferred to the next regular hours session, and the next after-hours session, until the order is fully executed or cancelled after the end of the after-hours session on that trade date.

If the good-till-date order is not executed/partially executed during pre-market session, the order will be transferred to the next regular hours session, and the next after-hours session, until the order is fully executed or cancelled after the end of the after-hours session of the last valid trade date of the good-till-date order.

(2) Regular Hours Only (Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 21:30-04:00(The next date) (Daylight Saving Time in the United States)/ 22:30-05:00 (The next date) (Winter Time in the United States) for trade dates):

The day order will only be submitted to the market during regular hours. If the order is not executed or partially executed, the day order will be cancelled after the end of regular hours session.

The good-till-date order will only be submitted to the market during regular hours. If the order is not executed or partially executed, the day order will be cancelled after the end of regular hours session of the last valid trade date of the good-till-date order.

1.5 Fees
The Fees of US Securities Trading Service (with reference to the “General Banking Services Charges” of the Bank) are applicable to Extended Hours Trading. The Bank reserves the right to revise the Fees from time to time.

2. US Stocks Extended Hours Trading Risk
Compared with regular hours trading, there are potential risks associated with Extended Hours Trading as follows:
2.1 Risk of Lower Liquidity
Liquidity refers to the ability of market participants to buy and sell securities. Generally, the more buy and sell orders of a security in a market, the greater the liquidity of that security, as a result more likely to buy or sell that security at a more competitive price. There may be lower liquidity in Extended Hours Trading as compared to regular trading hours. As a result, your order may only be partially executed, or not at all.

2.2. Risk of Higher Volatility
Volatility refers to the changes in price that securities undergo when trading. Generally, the higher the volatility of a security, the greater its price swings. There may be greater volatility in Extended Hours Trading than in regular trading hours. As a result, your order may only be partially executed, or not at all, or you may receive an inferior price when engaging in Extended Hours Trading than you would during regular trading hours.

2.3. Risk of Changing Prices
The prices of securities traded in Extended Hours Trading may not reflect the prices either at the end of regular trading hours, or upon the opening of the regular trading hours. As a result, you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours.

2.4. Risk of Unlinked Markets
During the Extended Hours Trading, the prices displayed on a particular venue may not reflect the prices in other concurrently operating venues for dealing in the same securities. Accordingly, you may receive an inferior price in one venue than you would in another venue.

2.5. Risk of News Announcements
Normally, listed companies make news announcements that may affect the price of their securities after regular trading hours. Similarly, important financial information is frequently announced outside of regular trading hours. In Extended Hours Trading, these announcements may occur during trading, and if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security.

2.6. Risk of Wider Bid-Ask Spreads
The bid ask spreads refers to the difference in price between what you can buy a security for and what you can sell it for. Lower liquidity and higher volatility in Extended Hours Trading may result in wider Bid-Ask Spreads than that in regular hours trading for a particular security.

2.7. Risk of Limit the Price to Trade
An order submitted during Extended Hours Trading can only be a Limit Order. Customers need to input price to ensure a buy order will not be executed at a price higher than the input price, while a sell order will not be executed at a price lower than the input price. If the market price deviates from the input price, the order will not be executed, unlike an order submitted during regular hours trading which can be a Market Order or a Limit Order. This may cause to limit the flexibility of trading strategies.

2.8 Risk of Competing with Professional Investors or Institutions
Many Professional Investors or Institutions participate in Extended Hours Trading, these investors or institutions often obtain more information or obtain faster information than normal investors. Customers may be at a disadvantage to trade during Extended Hours Trading.

(1) Anti-Scam Notes for Electronic Fixed Penalty Tickets

Beware of Phishing SMSs
The Police are implementing the electronic traffic fixed penalty tickets (FPTs) scheme, in which FPTs will be sent via SMS or email, in mid-June. The Police will then introduce a new thematic portal and mobile application, allowing vehicle owners and drivers to verify and review their electronic FPTs, and pay penalties online via electronic means (such as credit card and Faster Payment System).

Please pay attention to the anti-scam notes below to safeguard yourselves from phishing SMSs:
(1) SMS Sender Registration Scheme – “#”
• The Police have participated in the “SMS Sender Registration Scheme” launched by the Office of the Communications Authority. The Sender ID for SMSs used to issue tickets in the future will have the prefix “#”
• The Registered SMS Sender ID is “#HKPF-eTT”.
(2) No hyperlinks embedded
• There will be no hyperlinks embedded in FPTs sent via SMS or email.
(3) URL domain – “.gov.hk”
• The URL domain of the Police’s eTraffic Ticket Platform (www.etrafficticket.gov.hk) is .gov.hk, the same as those of other government departments.
• E.g. the official website of the Hong Kong Police Force (HKPF) is www.police.gov.hk; and that of the Transport Department is www.td.gov.hk. 
Notes:
• Do not hastily click on hyperlinks embedded in any emails or SMSs.
• Do not disclose your personal information or account details to anyone before verifying their identities.
• If in doubt, please call the “Anti-Scam Helpline 18222” to contact the Anti-Deception Coordination Centre of the HKPF.

(2) Fraudulent SMSs Purportedly from Treasury Demand Penalty Payments
Defrauding Tricks
Scammers, posing as the Treasury, sent phishing SMSs to members of the public and asked recipients to click on an attached hyperlink to pay a fixed penalty. The Treasury emphasised that it had no connection with such SMSs and reminded the public that it would not ask them to settle payments by sending them SMSs with embedded hyperlinks.

Police Advice
• Do not log on to any websites or download any attachments by hastily clicking on hyperlinks embedded in suspicious SMSs, emails or web pages;
• Do not input your personal information, credit card details, 3-digit security codes (CVC/CVV) and one-time passwords into unknown applications or websites;
• Enter suspicious URLs on “Scameter” of CyberDefender or “Scameter+”, the mobile application of “Scameter”, for security check in addition to seeking verification from relevant organisations;
• Remind your relatives and friends to stay vigilant against deception;
• If in doubt, please call the “Anti-Scam Helpline 18222” for enquiries.

BOCHK Cyber Security Information
• Ensure the website is genuine and reliable before inputting any information or conducting transaction.
• Verify the details of transaction request carefully, in order to confirm these are actually referring to the intended transaction.
• To safeguard your online banking security, you should access Internet Banking through the Bank’s official website. Please do not log in Internet Banking through hyperlinks in any email, SMS, QR code, search engine, social networking platform or any third-party website or mobile application not authorised by the Bank.

The “Multi-counter Eligible Securities” are listed on The Stock Exchange of Hong Kong (“SEHK”) in different currencies (e.g. HKD, RMB and USD) with separate securities code for quoting and trading.  For a “Multi-counter Eligible Security”, the securities code for HKD counter will be a 5-digit number starting with a “0”, while a 5-digit number starting with an “8” would be assigned for the RMB counter. The last four digits of the securities codes for HKD counter and RMB counter will normally be the same.

The Hong Kong Securities Clearing Company Limited (“HKSCC”) which is operated by the HKEX Group, is going to enhance the settlement arrangement for “Multi-counter Eligible Securities” on 30 June 2025 (the “Effective Date”) to show the shareholdings under the “Domain Settlement Counter” after order execution.

Below are the key arrangements:
1. Multiple trading currency counters (e.g. HKD counter, RMB counter, etc.) will still be available on the trading front per security, and be traded under separate securities codes.  For example, BOC Hong Kong is listed and traded on SEHK as “02388” for HKD counter and “82388” for RMB counter. Customers can conduct transactions in HKD and RMB with the securities code of “02388” and “82388” respectively.

2. The changes in holdings of a “Multi-counter Eligible Security” will only be shown under the “Domain Settlement Counter”, where HKD counter would be the “Domain Settlement Counter” under normal circumstances. For example, when customer purchased shares of “82388” with RMB, holdings of “02388” will be shown in Mobile/Internet Banking and monthly statement, etc after the order execution to reflect the change in shareholdings.

If there is no HKD counter for a “Multi-counter Eligible Security”, the “Domain Settlement Counter” will be the other currency counter designated by the HKSCC.

3. No change of shareholders’ rights and entitlements.

4. Customer will no longer be required to perform an inter-counter transfer before inter-counter trading. For example: if a customer holds shares of “02388” and wants to receive RMB proceeds after selling the shares, he/she can directly sell the shares with the securities code of “82388”.

5. HKSCC will carry out the conversion of shareholdings in “Multi-counter Eligible Securities” from other currency counters to “Domain Settlement Counters” on 28 June 2025 (the “Conversion Date”).

For above details and arrangements related to Securities Margin Service / Wealth Portfolio Financing Overdraft Facility Service, please visit BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Enhancement of Settlement Arrangement for “Multi-counter Eligible Securities” by HKSCC.")

(1) Beware of Scammers Claiming that You Have Applied for SIM Card with Mainland (HK & Macau Service Plan)
Defrauding Tricks
Scam process:
1. Fraudulent calls: Posing as staff of Mobile Network Operators, scammers call and tell you that a new SIM card has been activated with a contract period of one to two years, and that monthly fees will be charged.
2. Guiding the conversation: If you tell them that you did not apply for such service or you want to cancel it, the scammers will pretend to help you cancel the service and direct the call to a bogus bank employee.
3. Request for transfers: The bogus bank employee will ask for your bank details or instruct you to make transfers with automated teller machines. The scammers can no longer be reached once they have received the money.

Police Advice
· Stay alert if you receive phone calls purportedly made by telecommunications services providers claiming that you have applied for services. Do not hastily believe the callers’ identities;
· If in doubt, call the Customer Care Hotline for verification;
· Do not disclose personal information, including identity card numbers and bank account details;
· Even if strangers who send you messages are able to tell your personal information, it does not necessarily mean that they are genuine law enforcement officers. Scammers can obtain the personal information of the public by unlawful means;
· If you suspect that you have fallen prey to a scam, please call the “Anti-Scam Helpline 18222” for enquiries.

(2) Many Lost Millions of Dollars after Joining Fraudulent WhatsApp Groups
Defrauding Tricks
Alert! In a number of recent investment fraud cases, the victims were added into WhatsApp groups named “K研亞洲林sir內部群組” or “K研亞洲實驗室” and lost millions of Hong Kong dollars.

Posing as investment experts, the scammers randomly invited people to join investment classroom groups on WhatsApp, claiming that money-making tips would be shared in the groups. The victims were then induced to download fraudulent trading platform applications to conduct transactions.

In the scams, the scammers would fabricate profit-making transaction records of the fraudulent trading platforms and lure the victims to invest more money. When the victims wanted to withdraw the funds, the customer service staff would delay the payment with various pretexts and even ask them to pay hefty handling fees. In the end, the victims failed to get back their money.

Scam groups:	Fraudulent platforms:
1.      K研亞洲林sir內部群組   2.      K研亞洲實驗室	1.      CLEXP   2.      CLEXP-II  3.      CLExp

Police Advice
· Stay alert and do not rashly believe the so-called “investment experts” you meet online;
· Do not hastily click on hyperlinks, download mobile applications, log on to any suspicious websites or download any attachments;
· The bank accounts provided by scammers usually belong to individuals or third-party agencies, with names different from the trading platforms’;
· You are advised to make investment through registered investment institutions. You may check out the public register of licensed persons and registered institutions on the web page of the Securities and Futures Commission;
· You may enter suspicious phone numbers, web addresses or transferees’ account numbers on “Scameter” of CyberDefender or “Scameter+”, the mobile application of “Scameter”, for security check in addition to seeking verification from relevant organisations;
· If in doubt, please call the “Anti-Scam Helpline 18222” for enquiries.

Want to know more? Watch the videos below now
[I’ve earned enough, it’s time to let others earn some.]
https://youtube.com/shorts/zBDs9eUbX3o?si=mUyuwSXf11RYwHeP

Highlighted version [“Escape from Scams” Episode 2: Don’t join investment groups hastily! Even a kid knows that!]
https://youtu.be/ACv1Y7iLnA0?si=ZdNL6zTLfe-BqRor

Investment Fraud - Unwise Speculation
https://youtu.be/44llWVUYeuk?si=YGBm2VG-Ek5GuesY

BOCHK would like to remind customers to stay vigilant to phone scammers impersonating Mainland law enforcement officers to protect their own interests.

Fraud prevention tips:
• Mainland law enforcement officers never call you when you are in Hong Kong;
• Even if anyone claiming to be Mainland law enforcement officers are able to tell your personal information, it does not necessarily mean that they are genuine law enforcement officers;
• Law enforcement officers never ask for money to prove your innocence;
• Please carefully protect your personal information.  Do not disclose your personal information and passwords, including e-banking account information, credit card details or SMS one-time password;
• Stay alert when anyone claims themselves as Mainland law enforcement officers, if they have the following requests, you should hang up the calls immediately:

• - Demand cooperation in confidential case investigation
• - Instruct you to open new bank accounts to prove your innocence
• - Request your personal / banking information via fake apps / websites
• - Ask you to transfer money to specific accounts

Bank of China (Hong Kong) (“BOCHK”) would like to remind customers and the general public to stay vigilant against phishing SMS messages.

BOCHK reiterates that we will NOT ask for sensitive personal information such as bank account details, Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens, through phone calls, phone call recordings, emails, SMS messages, hyperlinks, QR codes, attachments, etc.

The Bank reminds customers to be vigilant against possible scams:
• Please carefully protect your personal information and electronic banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords and mobile tokens), do not disclose your personal information, electronic banking credentials and passwords, including the SMS one-time password and mobile token.
• When logging in or conducting transactions through electronic channels, customers are advised to access their Internet Banking or Mobile Banking accounts by typing the website address of BOCHK (www.bochk.com) directly into the browser address bar, or through the BOCHK Mobile Banking Application downloaded from official App stores or the Bank’s official website.
• Do not open email, SMS messages, attachments or click on the hyperlink from unknown sources.  In case of doubt, please stop the operation and do not input any data.  Please close the window and contact the Bank immediately and provide the suspicious hyperlink or screenshot (if any).
• If customers have provided personal information to suspected fraudulent websites, please immediately contact the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection), and contact the Police.
• Review transactions record frequently through internet banking, mobile banking or statements to check if there is any suspicious or unauthorized transaction.

BOCHK will update the fraud alerts on the Bank’s website from time to time. For details, please visit www.bochk.com/en/aboutus/fraudalert.html. For more security information about our electronic banking services, please visit www.bochk.com/en/security.html.

BOCHK would like to remind customers to stay vigilant to scammers impersonating officers of the Anti-Deception Coordination Centre (ADCC) of the Hong Kong Police Force to protect their own interests.

Please refer to the following website for Police anti-deception information:-

https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1852255053832015874.html

Bank of China (Hong Kong) (“BOCHK”) would like to remind customers that Suspicious Account Alert mechanism was expanded to include transfers conducted at BOCHK’s Automated Teller Machines (ATMs), including real-time transfers as well as cash deposits.  When high-risk transactions are detected, the system issues alerts reminding customers to cancel them.

If in doubt, please call the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection) or the Police Anti-Scam Helpline at 18222 for assistance.

For more details, please refer to relevant webpage of Police:

https://cyberdefender.hk/en-us/suspicious-proxy-alert/

Bank of China (Hong Kong) (“BOCHK”) would like to alert customers and the general public to phishing messages and fraudulent websites which are intended to steal personal information and electronic banking credentials.

Fraudsters recently purported to be genuine buyers in Online Trading Platform and sent out phishing emails messages embedded with fraudulent website hyperlinks or QR codes which purported to be from Online Trading Platforms / Courier Services for deliveries verification, deals closure or payments collection. These phishing emails messages made different false claims such as falsely claiming that courier services required customers’ information for verifying the deliveries, or the platforms required customers to log into electronic banking account for closing the deals and collecting the payments, etc., and lured customers to click on the embedded hyperlinks or scan the QR codes in the messages and enter personal and electronic Banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens) in the fraudulent websites. 

The hyperlinks of these fake emails / QR codes and fraudulent websites will appear under different domain names or with slight variations from the official website addresses by adding a similar combination of letters, numbers or symbols, with intent to mislead and steal customers’ personal and for swindling customers out of money.

BOCHK reiterates that we would not ask for sensitive personal information such as bank account details, Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens, through phone calls, phone call recordings, emails, SMS messages, hyperlinks, QR codes, attachments, etc.

The Bank reminds customers to be vigilant against possible scams:
• Please carefully protect your personal information and electronic banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords and mobile tokens), do not disclose your personal information, electronic banking credentials and passwords, including the SMS one-time password and mobile token.
• When logging in or conducting transactions through electronic channels, customers are advised to access their Internet Banking or Mobile Banking accounts by typing the website address of BOCHK (www.bochk.com) directly into the browser address bar, or through the BOCHK Mobile Banking Application downloaded from official App stores or the Bank’s official website.
• Do not open email, SMS messages, attachments or click on the hyperlink from unknown sources.  In case of doubt, please stop the operation and do not input any data.  Please close the window and contact the Bank immediately and provide the suspicious hyperlink or screenshot (if any).
• If customers have provided personal information to suspected fraudulent websites, please immediately contact the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection), and contact the Police.
• Review transactions record frequently through internet banking, mobile banking or statements to check if there is any suspicious or unauthorized transaction.
• Starting from 28 January 2024, BOCHK will use“Registered SMS Sender IDs”: #BOCHK、#BOCHK_TXN or #BOCHK_CC to send SMS messages regarding login/transaction to customers’ registered mobile phone number.
• If unusual login/transaction is detected on customer’s electronic banking account, BOCHK will send customer a two-way alert SMS (through any of the following phone numbers: +852 622649931110 or +852 645063570006) to customer’s registered mobile phone number.  Please carefully verify the details in the SMS, such as transaction time, currency and amount before replying to that SMS.
• If customer have logged in/made the transaction, please reply with “1” after verifying that the SMS content is correct. If customer have not logged in / made the transaction, or the SMS content is incorrect, please reply with “9”.  BOCHK will follow up per the response, including immediate suspension of the electronic banking transfer function after receiving the reply of “9”.  If customer receive that SMS overseas, please contact BOCHK immediately and do not reply that SMS.

BOCHK will update the fraud alerts on the Bank’s website from time to time. For details, please visit www.bochk.com/en/aboutus/fraudalert.html. For more security information about our electronic banking services, please visit www.bochk.com/en/security.html.

Thank you for your continuous support! In our ongoing commitment to enhance service excellence, we are constantly refining our service standards. We hereby inform you that the concierge service currently provided by Ten Lifestyle Group will be available until November 30, 2024.

We understand that your needs may change over time. We are dedicated to bringing you exciting and stylish lifestyle privileges in the near future. Stay tuned for what’s next!

If you have any queries, please call our exclusive 24-hour Private Wealth Service Hotline at +852 3988 2188 or contact your relationship manager.

<sub><sup>Notes: The above services are subject to the terms and conditions. The privileged offers, services and products provided to you by any third-party service provider (including the Concierge Service Provider) are provided directly to you by the relevant third-party service provider. The Bank is not responsible for the quality of any privileged offer, service and product provided by any third-party service provider or for its failure or delay in providing the designated privileged offers, services or products. You are required to make and resolve any complaint or dispute in relation to the privileged offers, services or products directly with the third-party service provider providing them. 

In the event of any discrepancies between the Chinese and the English version of this notice, the Chinese version shall prevail.</sup></sub>

Please be informed that the Bank’s “Conditions for Services” have been revised and will be effective from 1 December 2024 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments to “Part 2: Banking Services” of the CFS. In Part B, details of the amendments are provided for your ease of reference.

By having any account with us or by using any of our service or functionalities we provide on or after the Effective Date, you acknowledge and agree that the amendments to the CFS shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of the CFS will be available at our official website (www.bochk.com) (Home > “Conditions for Services”) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Note: Customers can also download this customer notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to Conditions for Services”) on or before 31 December 2024 and customers may not be able to access or download such customer notice afterwards.

Part A: Key Amendments
“Conditions for Services” Part 2: Banking Services

Summary of the new Conditions
Part	Important Notes
14.   Terms and Conditions regarding Giving Instructions by Phone and/or other digital Channels	To specify that giving instructions by phone and/or other digital channels, customers confirm that they have accepted and will be bound by these provisions.

Part B: Amendment Details
“Conditions for Services” Part 2: Banking Services
Introduce new Condition 14 as follows:
14.    Terms and Conditions regarding Giving Instructions by Phone and/or other digital Channels
14.1.   The type of same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, investment and insurance instructions that can be provided to the Bank by telephone and/or other digital Channels (if applicable) shall be subject to such restrictions, conditions or confirmation procedures as may be imposed by the Bank from time to time for same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, different investment and insurance products.
14.2.   The Bank may, and the customer(s) hereby authorize(s) the Bank to record these telephone and/or other digital Channels communications by writing and/or tape recording and/or any other means, and the Bank may deem such recordings as conclusive and binding evidence of the same as against the customer(s). The Bank shall be entitled to keep such recordings for as long as it considers necessary.
14.3.   All instructions given or purportedly given by the customer(s) and/or any other person(s) authorized (if applicable) to operate his/their account(s) on his/their behalf with respect to same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, investment and insurance transactions by telephone and/or other digital Channels are binding on the customer(s).
14.4.   Where there are more than one account holder(s)/ authorized signatory(ies) (if applicable) signing jointly, the Bank may, in its discretion, accept and act on telephone and/or other digital Channels instructions given by any one of such account holder(s) singly or any one of such authorized signatory(ies) (if applicable) singly, and are binding on all other customer(s) in all respects notwithstanding the signing arrangement specified by the customer(s) to the Bank.
14.5.   The Bank has authentication measures in place to authenticate instructions given or purportedly given by the customer(s) or on his/their behalf (if applicable) by telephone and/or other digital Channels or to verify the identity of any person giving such instructions. Nevertheless, the Bank shall not be responsible for any losses, damages, costs or expenses which the customer(s) may suffer or incur as a result as the Bank shall be entitled to rely and act on such instructions which the Bank in good faith and after adopting the authentication measures believes to be genuine. The customer(s)understand(s) and fully accept(s) the risks in giving instructions by telephone and/or other digital Channels including the risk of any instruction being unauthorized or given by an unauthorized person.
14.6.   The Bank may, in its discretion, refuse to act upon any instructions given or purportedly given by the customer(s) or on his/their behalf (if applicable) by telephone and/or other digital Channels without any reason and without being responsible for any loss or damage suffered by the customer(s) thereby arising and may require his/their confirmation before acting on such instructions.
14.7.   Unless caused by the negligence or wilful misconduct of the Bank, the Bank shall not be liable for any losses, damages, costs or expenses that the customer(s) may suffer or incur resulting from the exercise of such discretion by the Bank by reason of any cause beyond the Bank’s control, including (without limitation) any breakdown or failure of transmission or recording facilities or whatsoever reason, or breakdown of or delay or error in transmission for any other reason.
14.8.   The customer(s) shall keep the Bank indemnified on demand against all actions, proceedings, claims, losses, damages, costs and expenses reasonably incurred by the Bank which may be brought against the Bank or suffered or incurred by the Bank arising directly or indirectly in connection with its accepting and/or relying on or acting on any instructions given by the customer(s) or on his/their behalf by telephone and/or other digital Channels, unless due to the negligence or wilful default of the Bank.

BOCHK would like to remind customers to stay vigilant to protect their own interests.

Through telemarketing or social media platforms, criminal syndicates would offer the benefit of making quick money and lure customers into selling or lending their bank accounts, or use customers’ personal credentials to open bank accounts. The syndicate will then use these ‘stooge accounts’ to collect and launder fraudulent payments or other crime proceeds.

BOCHK urges customers not to sell or lend their accounts to others as these may be abused for unlawful purposes and customers may expose themselves to the risk of committing money laundering offences of which the maximum penalty is imprisonment for 14 years and a fine of HK$5 million.

Please refer to relevant webpage of the Hong Kong Monetary Authority for more details:
https://www.hkma.gov.hk/eng/smart-consumers/dont-lend-sell-your-account/

To fight against the telecommunication and online frauds, the Police has rolled out the upgraded version “Scameter+” mobile application to help the public identify frauds and online pitfalls.  The upgraded “Scameter+” mobile application features the following three new functions:

1) Call Alert
2) Website Detection
3) Public Intelligence

When the public encounters suspicious calls, online sellers, friend requests, job advertisements, investment websites, and the like, they can enter the platform account name or number, payment account, phone number, email address, URL, etc. to assess the risk of fraud and cyber security.

Please refer to the following website hyperlinks for the upgraded “Scameter+” information:
https://cyberdefender.hk/en-us/scameter/

BOCHK would like to remind customers to stay vigilant to telephone deception and investment fraud to protect their own interests.

Please refer to the following website for Police anti-deception information:-
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1737386285726003201.html
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1778727751727292417.html
https://cyberdefender.hk/en-us/investment_fraud/

Please be informed that the Bank’s “Conditions for Services” have been revised and will be effective from 30 June 2024 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments to “Part 1: General Provisions” of the CFS. In Part B, details of the amendments are provided for your ease of reference.

By having any account with us or by using any of our service or functionalities we provide on or after the Effective Date, you acknowledge and agree that the amendments to the CFS shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of the CFS will be available at our official website (www.bochk.com) (Home > “Conditions for Services”) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Note: Customers can also download this customer notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to Conditions for Services”) on or before 30 August 2024 and customers may not be able to access or download such customer notice afterwards.

Part A: Key Amendments

“Conditions for Services” Part 1: General Provisions

Summary of the new Conditions
Part	Condition	Important Notes
25.   Alerts and Fund Transfers	25.1 (a)	To specify that by making any Fund Transfer on or after the date on which these provisions come in effect, customers confirm that they have accepted and will be bound by these provisions.
	25.1 (b)	To define the terms “Alert”, “Anti-fraud Database”, “Hong Kong” and “Fund Transfer” in the provisions under Condition 25.
	25.2	To specify that the reason for sending Alerts is to help customers stay vigilant against frauds, scams and deceptions when making Fund Transfers.
	25.3 (a)	To specify that the Bank does not control the Anti-fraud Databases and compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time. The Bank does not warrant whether the Fund Transfers are fraudulent.
	25.3 (b)	To specify that the Bank may compile and deliver the Alerts in such ways as it considers appropriate.
	25.3 (c)	To specify that the Bank is not liable for loss of any kind which customer may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
	25.3 (d)	To specify that the Bank is not liable for loss, damage or expense of any kind which customer or any other person may incur or suffer arising from or in connection with the Alerts or Fund Transfers affected by the Alerts, except to the extent that any loss incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of our officers, employees or agents.
	25.3 (e)	To specify that in no event will the Bank be liable to customers or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages.
	25.3 (f)	To specify that nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
	25.4	To specify that customers are responsible for taking reasonably practicable steps to safeguard customers’ own interests, money and assets from fraud or other illegal activities. Customers should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert.

Part B: Amendment Details
“Conditions for Services” Part 1: General Provisions
Introduce new Condition 25 as follows:
25.              Alerts and Fund Transfers
25.1          (a) The provisions under this Condition 25 apply to the Alerts and the Fund Transfers as defined below. If there is any inconsistency between these provisions and our Conditions of Services, these provisions will prevail insofar as the Alerts and Fund Transfers are concerned. By making any Fund Transfer on or after the date on which these provisions come in effect, you confirm that you have accepted and will be bound by these provisions.
(b) In these provisions, the following terms have the following meanings:
“Alert” means a warning message that a Fund Transfer or the relevant payee or payee account may involve fraud or scam.
“Anti-fraud Database” includes any anti-fraud search engine and/or anti-deception database (including but not limited to Scameter) operated or managed by the Hong Kong Police Force or any other law enforcement agency or governmental body or regulatory authority of Hong Kong, whether it is accessible by the public in general or by designated entities or organisations.
“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
“Fund Transfer” means a transfer of fund by you through us via any channel or means or in any currency determined by us from time to time including but not limited to one or more of electronic banking, e-wallet, mobile banking, automatic teller machine, cash deposit machine, and bank counter at any of our branches ], whether the payee account is maintained with us or not; and if the context requires or permits, includes an instruction given by you to us to make a Fund Transfer.
25.2          Reason for sending Alerts
The Alerts are intended to help you stay vigilant against frauds, scams and deceptions when making Fund Transfers. You shall not take the Alerts as replacing your responsibility for safeguarding your own interests, money and assets from fraud or other illegal activities.
25.3          Our role, responsibilities and restriction of liability
(a) We:
(i) do not control the management, operation or any other aspect of the Anti-fraud Databases;
(ii) compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time; and
(iii) would not compile any Alert relating to a payee, a payee account or a transaction if no information about it is available from the Anti-fraud Databases.
Therefore, we do not and cannot warrant whether the information available from any Anti-fraud Database is complete, true, accurate and up-to-date, and that the Fund Transfers for which you do not receive Alerts are not fraudulent nor that Fund Transfers for which you receive Alerts are fraudulent. Our records of its delivery of any Alert to you and any response from you whether to proceed or cancel any Fund Transfer shall have conclusive effect save for manifest error.
(b) We may compile and deliver the Alerts in such ways as it considers appropriate. We shall have sole discretion to determine and/or vary, from time to time and without further notice to you, the contents of the Alerts, the channels or means through which the Alerts are delivered, and/or the currency(ies) of the Fund Transfers, having regard to our needs and the feedback, comments, guidance or recommendations from the relevant persons. Relevant persons may include but not limited to law enforcement agencies or other governmental bodies, or regulatory authorities or industry associations of Hong Kong. We may deliver the Alerts to you by electronic or other means.
(c) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
(d) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with the Alerts (or any delay or unavailability of the Alerts), or the processing, execution or cancellation of Fund Transfers affected by the Alerts (or by any delay or unavailability of the Alerts), except to the extent that any loss, damage or expense incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of its officers, employees or agents.
(e) In no event will we, our affiliates or group companies, our licensors, and our and their respective officers, employees and agents be liable to you or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages (whether or not they were foreseeable or likely to occur).
(f) Nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
25.4          Your responsibility
You are responsible for taking reasonably practicable steps to safeguard your own interests, money and assets from fraud or other illegal activities. You are responsible to check and ensure that the payee, the payee account, the transaction and the transaction details are real and trustworthy in each case. You should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert. Your decision to proceed with or cancel a Fund Transfer affected by an Alert is binding on you and you shall be solely responsible for the consequences.

According to the latest rule adopted by U.S. Securities and Exchange Commission ("SEC"), starting from 28 May, the standard settlement cycle of US securities will shorten from two business days after the trade date (T+2) to one business day after the trade date (T+1). Please visit SEC website for more details.

In order to help members of the public verify the identities of SMS senders, with the support of the Hong Kong Monetary Authority (HKMA), the Hong Kong Police Force, the Office of the Communication Authority (OFCA) and the telecommunications industry, the “SMS Sender Registration Scheme” (“The Scheme”) will be extended to the banking industry for transmission and delivery of trusted SMS from Registered Senders. All banks participating in “The Scheme” have started using “Registered SMS Sender IDs” with prefix “#” to send SMS to local subscribers of mobile services in Hong Kong.

Starting from 28 January 2024, Bank of China (Hong Kong) (“the Bank”)will use “Registered SMS Sender IDs”: #BOCHK、#BOCHK_TXN or #BOCHK_CC to send SMS messages to customers’ registered mobile phone number.

Under the Scheme, SMS messages with sender IDs containing "#" but not sent by Registered Senders will be screened out by the telecommunications networks. Subscribers of mobile services are not required to apply for the service, install any mobile apps or change their handset settings. The Scheme is not applicable to:
i. SMS messages of which receiving parties are expected to reply to the senders via phone numbers; or
ii. Local subscribers of Single-Card-Multiple-Numbers/One-Card-Two-Numbers mobile service provided by non-Hong Kong operators.

Regarding the “SMS messages of which receiving parties are expected to reply to the senders via phone numbers”, The Bank will send you (through any of the following phone numbers: +852 622649931110 or +852 645063570006) to your registered mobile phone number, inviting you to reply whether you have logged in/made the transaction.

The Bank would like to remind customers under all circumstances, should stay highly vigilant when receiving SMS from unknown senders, and must not disclose to unidentified senders any personal information, bank account numbers or credit card details, transfer money or access any hyperlink in the SMS, to avoid suffering any loss.

Please refer to the following website for the Office of the Communication Authority SMS Sender Registration Scheme information: https://www.ofca.gov.hk/ssrs

To enhance your control over your BOC Card, you can now adjust the daily limit of BOC Card POS Transaction and Transfer, and block or unblock your BOC Card if necessary.

The daily limit for BOC Card POS transaction and transfer is preset at HKD/RMB 50,000. You may lower your limit (from HKD/RMB 50,000 to HKD/RMB 0) through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline.

If you notice any unauthorized transactions on your BOC Card, please report them through our Customer Service Hotline (852) 2691 2323, Online Chat or in person at any of our branches.

You may also block the Card through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline and unblock the Card through the channels mentioned above if you consider it safe to do so.

If unusual transaction / activity is detected on your credit card, Bank of China (Hong Kong) (“the Bank”) will send you a two-way alert SMS to your registered mobile phone number, inviting you to reply whether you have authorised / initiated it. Please carefully verify the details in the SMS, such as merchant name, transaction type, transaction amount and currency, before replying to that SMS.

If you have authorised the transaction / initiated the activity, please reply with "1" after verifying that the SMS content is correct. If you have not authorised / initiated it, or the SMS content is incorrect, please reply with "9". The Bank will follow up per your response, including immediate suspension of your credit card and contacting you for further details after receiving the reply of “9”.

Please note that:
1. Do not provide any personal and credit card information when replying that SMS. You may be charged for sending SMS by your telecom service provider.

2. If you have incorrectly replied that SMS, please contact the Bank immediately.

3. If you receive that SMS overseas, please contact the Bank immediately and do not reply that SMS.

The Bank has a stringent monitoring mechanism to safeguard your BOC Credit Cards. You are not liable for any unauthorised online transaction after our verification.

If you notice any unauthorised transaction:

1.  You may log into your Mobile Banking or Internet Banking and reduce the Monthly Online Spending Limit to HK$0. You can also raise the limit when you feel safe. The steps are as follows:

Mobile Banking

Bottom right corner [Menu]>Setting> Setting Online Spending limit

Internet Banking

Personal setting> Setting Credit Card Monthly Online Spending Limit

You may use Online Customer Services (Online Chat) in Mobile Banking or Internet Banking for suspension or reporting a lost or stolen credit card;

2. If you have not registered for Mobile Banking or Internet Banking, you may contact BOC Credit Card 24-hour Customer Services Hotline (852) 2853 8828 or BOC Credit Card 24-hour Lost Card Reporting Hotline at (852) 2544 2222.

Please try to keep any screen captured images/evidences (if applicable) for our follow-up. For more details, please visit:
www.bochk.com/en/creditcard/service/chargeback.html