Fund Transfer
You can arrange fund transfer to:
- designated accounts under your own name,
- registered third party accounts, and
- unregistered accounts (two-factor authentication is required).
Please note that the above service is limited to fund transfer between same currency accounts.
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Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.
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This service is free of charge.
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There is no maximum transaction limit for fund transfer to designated accounts held by the same account holder. However, for the maximum aggregated daily limit of online fund transfer to registered third party accounts or non-registered accounts for each bank account, please refer to the following table:
Single Authority | |
|---|---|
Personal / | |
| Aggregated daily limit for fund transfer to third party accounts within Chong Hing Bank (registered account only) | HK$1,000,000 |
| Daily limit for fund transfer to non-registered third party accounts within Chong Hing Bank (sharing the aggregated daily limit in point 1 above)* | HK$100,000 |
Remarks: * only applicable for the customers who have Two-factor authentication registered
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With Internet Banking Services, you can transfer funds from Chong Hing Bank to other banks in Hong Kong via CHATS or Electronic Clearing Service.
| Clearing House Automated Transfer System ("CHATS") | Electronic Clearing Service | |
|---|---|---|
| Service Nature |
|
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| Service Time (as at Hong Kong Time) | Mondays to Fridays: Instructions accepted after 4:30 pm on clearing days will be processed on the next clearing day. Any instruction submitted other than the mentioned time period (including Saturdays, Sundays and Public holidays) shall not be accepted. | 24 hours a day Any application instruction submitted after 7 pm from Mondays to Fridays, and on Saturdays, Sundays and Public holidays will be processed on the next clearing day. |
| Processing Time Required | For instructions accepted between 9:00 am to 4:30 pm, it will be processed and completed within the same day. |
Instructions would be processed on the next working days. |
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Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.
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| Clearing House Automated Transfer System ("CHATS") | Electronic Clearing Service | |
|---|---|---|
| Service Charge | For HKD Fund Transfer - HKD$50 The recipient bank may impose charges on receiving such funds (regardless whether the transaction is successfully completed). Please contact the receiving bank for information. | Free of charge. The recipient bank may impose charges on receiving such funds (regardless whether the transaction is successfully completed). Please contact the recipient bank for information. |
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The maximum aggregated daily transaction limits (in HKD or equivalent) of online Telegraphic Transfer (registered account overseas only) and fund transfer (registered or non-registered account in Hong Kong) to other banks for each bank's account are as follows:
Single Authority | |
|---|---|
Personal Customers / Personal Joint Account Holders (Any one may sign singly) | |
| 1. Aggregated daily limit for fund transfer to other banks in Hong Kong (registered or non-registered account) and Telegraphic Transfer to banks overseas (registered account only) | HK$1,000,000 |
| 2. Daily limit for fund transfer to non-registered account of other banks in Hong Kong (sharing the aggregated daily limit in point 1 above) | HK$100,000 |
Please note that the above daily transaction limits for interbank fund transfer in Hong Kong are shared between CHATS and Electronic Clearing Service.
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With the use of two factor authentication tools, you can transfer fund to unregistered other bank's account.
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If you would like to register a third party account in Chong Hing Internet Banking, please visit any branch of the Bank in person or click here to submit application
Your pre-registered bill will be removed if there is no transaction performed in the past 36 months. If you would like to register the bill again, please visit any branch of the Bank in person or click here to submit application.
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With the use of online Telegraphic Transfer, you can transfer fund to the registered overseas bank's account.
Your pre-registered account will be removed if there is no transaction performed in the past 36 months. Please visit any of our branches to register the account again.
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If you would like to register for using telegraphic transfer service, please visit any branch of the Bank in person or click here to submit application.
Your pre-registered bill will be removed if there is no transaction performed in the past 36 months. If you would like to register the bill again, please visit any branch of the Bank in person or click here to submit application.
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Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.
Yes. Cable Charge is HKD 110 per transaction.
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For Mondays to Fridays
- Remittance Currency: RMB
- Instructions accepted on or before 3:00 pm will be processed on the same day.
- Instruction received after 3:00 pm will be processed on the next business day.
- Remittance Currency: Other Currency (Except RMB)
- Instructions accepted on or before 4:00 pm will be processed on the same day.
- Instruction received after 4:00 pm will be processed on the next business day.
- For Saturdays
Instructions would be processed on next working day.
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The maximum daily limits (in HKD or equivalent) of online Telegraphic Transfer (registered account overseas only) to other banks for each bank's account are as follows:
Single Authority | |
|---|---|
Personal Customers / Personal Joint Account Holders (Any one may sign singly) | |
| Daily limit for online Telegraphic Transfer to registered overseas bank's account | HK$1,000,000 |
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The Bank only supports instructions made by individual account holders who are Hong Kong residents to remit RMB to his/her own mainland accounts, and the account name of the customer’s beneficiary account in the Mainland must be identical with that of his / her RMB savings account in Chong Hing Bank.. RMB Remittance service is not applicable to non-Hong Kong residents and joint account holders. Hong Kong resident can remit up to a maximum of RMB80,000 per person per day. Customer's daily outward remittance amount may be checked by the Clearing Bank for RMB business.
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The RMB remittance instructions accepted before 3pm, Monday to Friday (“cut-off time”) will be executed on the same day. Instructions accepted after the cut-off time or on Saturdays, Sundays and public holidays will be executed on the next working day. The time when the beneficiary bank receives the remitted funds will depend on the operation of the beneficiary bank.
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Bill Payment
You can pay various kinds of bills to over 700 major merchants in Hong Kong by transferring fund from your Chong Hing Bank Savings / Current Banking Accounts or Credit Card Account, including electricity, water supply, town gas, tax, insurance, telecommunications, government services and school fees.
Click herefor a full merchant list.
Note: Some Merchants only accept payment from Savings / Current Banking Accounts.
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You have to use two-factor authentication or pre-register the bills at our branches for paying the bills, excluding those merchants in categories as "Primary or Secondary Education", "Post-secondary or Specialised Education", "Government or Statutory Organisation" and "Public Utility".
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You can register for Two-factor Authentication Service with mobile phone number to receive SMS-Based One-Time Password. Please visit any branch of the Bank in person or click here to submit application.
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If you would like to pre-register bills, please visit any branch of the Bank in person to process the registration or click here to submit application.
Your pre-registered bill will be removed if there is no transaction performed in the past 36 months. If you would like to register the bill again, please visit any branch of the Bank in person or click here to submit application.
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The daily maximum limit for bill payment is HK$99,999 per account. The limit is to be shared amongst Internet Banking and Mobile Banking bill payment services.
The daily maximum limit for tax payment is HK$500,000 per account. The limit is to be shared amongst Internet Banking and Mobile Banking tax payment services.
Pay Tax Tips
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Payments made by Credit Card of the Bank to the bills of merchant categories of "Banking and Credit Card Services", "Credit Services" , "Securities Broker" or "Hong Kong Jockey Club" will be treated as Cash Advance transaction. For the Bank's charge of cash advance fee, please refer to Chong Hing Credit Card Charges Table and Chong Hing UnionPay Dual Currency Credit Card Charges Table.
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You just need to input a future “Payment Date” up to 45 days in advance inside “Pay Bill” input page in order to set up a forward-dated bill payment instruction.
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Up to 45 days in advance can be set for a forward-dated bill payment instruction.
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You can provide an email address in the “Email Address for Receiving Notification” field to setup an email notification for free. An email notification will be sent to you upon the execution of the forward-dated payment instruction. You may also review last 45 days or 120 forward-dated payment records inside “Forward-dated Payment History”.
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Forward-dated bill payment instruction can only setup on working days from Mondays to Fridays, except Saturdays, Sundays and public holidays.
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Any same day instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer. Your Forward-dated Payment instruction can be amended before the specified Payment Date. For example, you have to amend the payment instruction on or before 3 Jan if the payment is scheduled to be paid on 4 Jan.
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e-Bill
e-Bill Service includes bill presentment and payment functions (the acceptance of electronic payment is subject to merchants’ final decision). Bill Payment Service is for payment only.
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You can pay various kinds of e-Bill that you have registered through Chong Hing Bank by transferring fund from your Chong Hing Bank Savings / Current Banking Accounts or Credit Card Account.
Note: Some merchants only accept payment from Savings / Current Banking Accounts.
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You have to register the e-Bill through Chong Hing Bank Internet Banking Services before paying the e-Bill, excluding the e-Donation. Pre-registration is a one-time process. After successful registration, merchants will regularly send e-bill to your Chong Hing Bank Internet Banking Services account. Two-factor authentication is required when you register e-Bill of high risk merchants.
Personal information you provided during e-Bill registration is for approval by merchants purpose only. It will be provided to third parties*. Personal information will be stored by Chong Hing Bank until you de-register the e-Bill.
Remarks: * Please refer toTerms and Conditions for Electronic Bill Presentment and Payment Servicefor details
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You can pre-register e-Bill by selecting “e-Bill Registration” in Chong Hing Bank Internet Banking Services. After you have entered your personal information, the request will be sent to merchant through third parties* for approval. Approval time is determined by the merchants.
Remarks: * Please refer toTerms and Conditions for Electronic Bill Presentment and Payment Servicefor details
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Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.
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Payments made by Credit Card of the Bank to the bills of merchant categories of "Banking and Credit Card Services", "Credit Services" , "Securities Broker" or "Hong Kong Jockey Club" will be treated as Cash Advance transaction. For the Bank's charge of cash advance fee, please refer to Chong Hing Credit Card Charges Table and Chong Hing UnionPay Dual Currency Credit Card Charges Table.
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Yes. You can register e-Bill for third party bill owner by providing third party bill owner’s information (the acceptance of the registration is subject to merchants’ final decision).
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The maximum daily limit is HK$99,999 per account for the e-Bill. The limit is shared with Internet Banking, ATM, and Telephone Banking Bill Payment Services.
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You can only view e-Bills received within the past 12 months. e-Bills issued over 12 months ago will not be stored.
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You can de-register e-Bill by selecting “Delete Bill” under “e-Bill registration”.
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You can request e-Donation receipt by providing the donor name and email address for receiving the e-Donation receipt directly from the charity organization.
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You will continue to receive Water Bill and Demand for Rates and/or Government Rent under the existing channel.
Please visit the websites of WSD at www.wsd.gov.hk and RVD at www.rvd.gov.hk for details.
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Yes, you can. e-Bill service provides an additional channel for you to view and pay e-Bills through one platform.
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For Demand for Rates and/or Government rent, you should register on or before 5th of March, June, September or December. For Water Bill, please check your last bill for the bill issuance date. You should register 2 weeks before the issuance of your next Water Bill through e-Bill service.
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Investment Profile Questionnaire
All Chong Hing Bank customers who have successfully applied or activated Internet Banking Services and hold an Investment Account can use the Investment Profile Questionnaire.
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If I am not a Chong Hing Bank customer, can I complete the investment profile questionnaire via Chong Hing Bank Website without applying Internet Banking Services?
No, you cannot. You must be a Chong Hing Bank customer and have successfully applied or activated Internet Banking Services in order to complete the investment profile questionnaire via Internet Banking Services. In addition, you must logon to Internet Banking Services and select “Investment Profile Questionnaire” from the main menu in order to complete the investment profile questionnaire.
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If I am not a Chong Hing Bank Investment Account customer, can I complete the investment profile questionnaire via Internet Banking Services?
No, you cannot. You must first visit our branch to open an Investment Account (the investment profile questionnaire must be completed at our branch for the first time).Afterwards, the investment profile questionnaire can be updated via Internet Banking Services.
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Can I complete the investment profile questionnaire via mobile phone or mobile app?
No, you cannot complete the investment profile questionnaire via mobile phone or mobile app.
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Is Investment Profile Questionnaire applicable toall Investment Account?
The Investment Profile Questionnaire is applicable to Personal Banking customers and Individual / Joint Private Banking customers.
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When I subscribed iBond, I have only opened an Investment Account without completing the investment profile questionnaire. Can I complete the investment profile questionnaire via Internet Banking Services for the first time?
Yes, you can. Personal Banking customers can complete the investment profile questionnaire for the first time via Internet Banking Services (only applicable to customers who had subscribed iBond previously). The relationship manager of Private Banking business will arrange Individual / Joint Private Banking customers to complete the investment profile questionnaire at the same time during account opening. Therefore, Individual / Joint Private Banking customers cannot complete the investment profile questionnaire for the first time via Internet Banking Services.
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Is it a 24-hour service for completing investment profile questionnaire via Internet Banking Services?
Except during the system maintenance period, you can complete the investment profile questionnaire anytime via Internet Banking Services.
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Are the questions and assessment methodology the same when I complete the investment profile questionnaire via different channels?
Yes, the questions and assessment methodology are the same, notwithstanding, when you complete the investment profile questionnaire via different channels.
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Can I get the score and result (i.e. the risk tolerance level and risk profile) immediately after I complete the investment profile questionnaire via Internet Banking Services?
Yes, you can get the score and result instantly.
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Can I lower my risk tolerance level after I completed the investment profile questionnaire via Internet Banking Services?
Yes, you can lower your risk tolerance level after you have completed the investment profile questionnaire via Internet Banking Services.
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Do I need to print and sign the questionnaire and return it to any branches for confirmation after I completed the investment profile questionnaire via Internet Banking Services?
No. You can follow the instruction to save or print the questionnaire for reference instantly.
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Will I receive any notification letters or electronic messages after I completed the investment profile questionnaire via Internet Banking Services?
No. However, you can check the status of the investment profile questionnaire via Internet Banking Services, for example, the validity, score and result (i.e. the risk tolerance level and risk profile), but not including the questionnaire and result in the record.
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Will I receive alert regarding the due date of my investment profile questionnaire via Internet Banking Services?
If your investment profile questionnaire is overdue, an alert message will be displayed in the “Latest Alert” on the homepage after you logon to Internet Banking Services to remind you to update the questionnaire.
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If I am not a Chong Hing Bank customer or I have not activated Internet Banking Services, can I experience how to complete the investment profile questionnaire?
Yes, you can visit Chong Hing Bank’s Internet Banking Services logon pageand select “View Demo” to experience how to complete the investment profile questionnaire.
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