Internet Banking

You can view the balance and the latest transaction history of all your pre-registered accounts under your own name.

The enquiry period of different account types are listed below:

You can check the inward and outward remittance transaction records.

You can check the remittance transaction records within the past 6 months.

Generally, according to the Bank’s record, if any inward and outward remittance has been successfully executed / successfully cancelled / rejected by the Bank, customers can check the remittance record in the next working day. In addition, customers can download the remittance record via Internet Banking.

Yes. Internet Banking enables the downloading of remittance record.

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.

Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.

This service is free of charge.

Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.

	Clearing House Automated Transfer System ("CHATS")	Electronic Clearing Service
Service Charge	For HKD Fund Transfer - HKD$50 For USD Fund Transfer - USD$6 For RMB Fund Transfer - RMB¥40 For EUR Fund Transfer - EUR€6 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.

With the use of two factor authentication tools, you can transfer fund to unregistered other bank's account.

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.

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.

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.

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.

For Mondays to Fridays

• Remittance Currency: RMB
  1. Instructions accepted on or before 3:00 pm will be processed on the same day.
  2. Instruction received after 3:00 pm will be processed on the next business day.
• Remittance Currency: Other Currency (Except RMB)
  1. Instructions accepted on or before 4:00 pm will be processed on the same day.
  2. Instruction received after 4:00 pm will be processed on the next business day.
• For Saturdays
  Instructions would be processed on next working day.

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.

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.

You can buy or sell Renminbi and various types of foreign currencies, namely AUD, CAD, CHF, EUR, GBP, JPY, NZD and USD.

Please note that foreign currency exchange is only applicable to the designated accounts under your own name, and one of the involved accounts must be a HKD Current or Savings Account.

As for the exchange of Renminbi, the debit and credit accounts must be RMB Multi-Currency Savings and HKD Current or Savings Account under your own name. Such exchange service is eligible to Personal Internet Banking customers only. Corporate Internet Banking customers are not eligible to this service.

Yes. You can only perform Foreign Currency Exchange transactions from 8:30 am to 6:00 pm on Monday to Friday and from 8:30 am to 1:00 pm on Saturday (excluding Sundays and public holidays).

Please note that the T.T. rates quoted in "Rate Information " are for reference only. You will be notified of the actual T.T. rate prior to your final confirmation of the transaction.

The transaction limits are listed below:

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 here for a full merchant list.
Note: Some Merchants only accept payment from Savings / Current Banking Accounts.

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".

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.

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.

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

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.

 

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.

Up to 45 days in advance can be set for a forward-dated bill payment instruction.

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”.

Forward-dated bill payment instruction can only setup on working days from Mondays to Fridays, except Saturdays, Sundays and public holidays.

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.

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.

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.

 

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 to Terms and Conditions for Electronic Bill Presentment and Payment Service for details

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 to Terms and Conditions for Electronic Bill Presentment and Payment Service for details

Any instruction once accepted and processed by the Bank shall not be cancelled, amended, supplemented or revoked by the customer.

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.

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).

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.

You can only view e-Bills received within the past 12 months. e-Bills issued over 12 months ago will not be stored.

You can de-register e-Bill by selecting “Delete Bill” under “e-Bill registration”.

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.

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.

Yes, you can. e-Bill service provides an additional channel for you to view and pay e-Bills through one platform.

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.

You can enquire your Fixed Deposit account balance, effect Fixed Deposit placement and change maturity instruction.

Please note that Chong Hing Bank San Francisco Branch Fixed Deposit, Chong Hing Finance Fixed Deposit and USD Swap Account are not covered on Internet Banking Services.

Yes. You can only perform Fixed Deposit placement, renewal and changing maturity from 9:00 am to 7:30 pm (Mondays to Fridays) and from 9:00 am to 4:00 pm (Saturdays) excluding Public holidays.

For changing maturity instruction, the instruction must be submitted at least one business day before the maturity date.

Please note that all interest rates quoted in "Rate Information" are for reference only. You will be notified of the actual rate prior to your final confirmation of the transaction.

The minimum amounts for Fixed Deposit Placement of different currencies are listed below:

3 maturity instructions are available for your selection, they are:

• renew principal and interest at bank's prevailing rate;
• renew principal at bank's prevailing rate and transfer the interest to designated account;
• transfer principal and interest to designated account.

The renewed maturity instruction will be effective immediately once the transaction is confirmed to be successful. If you are in doubt, you can view the renewed maturity instruction under "Account Overview".

Yes. You can view your latest monthly statement under Credit Card – Current Statement. For the recent transactions that are not shown under the last month's statement, you may find the record(s) under Credit Card – Unbilled Transaction.

You can arrange fund transfer from your HKD designated account to your Credit Card account.

Please note that the cut-off time for credit card payment is 7:00 pm (Mondays to Fridays) excluding Saturdays, Sundays and Public holidays. Any payment made after the cut-off time will be regarded as payment made on the next clearing day.

No. To protect our customers, the Bank does not provide this service online. If you need to make this transfer, please apply via any of our branches.

You can use the "Fund Transfer" service to transfer the money from your Credit Card account to your designed own account.

Cash advance handling fee will be charged to your Credit Card account.

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.

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.

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.

No, you cannot complete the investment profile questionnaire via mobile phone or mobile app.

The Investment Profile Questionnaire is applicable to Personal Banking customers and Individual / Joint Private Banking customers.

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.

Except during the system maintenance period, you can complete the investment profile questionnaire anytime via Internet Banking Services.

Yes, the questions and assessment methodology are the same, notwithstanding, when you complete the investment profile questionnaire via different channels.

Yes, you can get the score and result instantly.

Yes, you can lower your risk tolerance level after you have completed the investment profile questionnaire via Internet Banking Services.

No. You can follow the instruction to save or print the questionnaire for reference instantly.

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.

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.

Yes, you can visit Chong Hing Bank’s Internet Banking Services logon page and select “View Demo” to experience how to complete the investment profile questionnaire.

Yes. You can pre-order Cashier's Order / Demand Draft under the "Online Application" function. Please visit your designated collection branch on the next clearing day to sign the form and collect your order / draft.

Yes. The daily cut-off time for pre-ordering is 7:00 pm (Mondays to Fridays) excluding Saturdays, Sundays and Public holidays.

No. The transaction amount and service charge will be deducted from your account when you visit our branch and the rate would also be fixed at that time.

If the Cashier's Order / Demand Draft is not collected within 5 clearing days, we shall cancel the transaction with no service charge deducted from your account.

You can apply Cheque Book through the "Online Application" function. One Cheque Books will be sent to you by surface mail.

Please contact us immediately if you do not receive any Cheque Books after 14 days from the date of application.

Yes. It is free of charge.

Yes. The rates are updated regularly. However, they are for reference only.

Yes. All successfully completed transactions will be displayed.

Except pre-ordering Cashier's Order, Demand Draft and Telegraphic Transfer, a reference number will be given to you after the transaction is being executed. You can confirm your transaction with the reference number under "Internet Banking Transaction Enquiry".

You can enquire the last 30 successful Internet Banking transaction history within the last 6 months.

To allow "Joint Authorities" user to manage the pending transactions, two more functions are provided, they are:

• "Pending Transaction" and
• Approval History Enquiry" (including those already approved and pending for approval).

Please note that each user is only allows to enquire those transactions on the accounts which she / he has the right to access.

Yes. Customer can now add your investment account under via “Add / Delete Account “ on Internet Banking, and then you can enquire details of your investment account at “Account Enquiry” via Internet Banking and Mobile Banking. 
(Note: Applicable to Single Authority customers only. For Joint Account customers, please fill in "Chong Hing Internet Banking Services – Application / Change Request (Single Logon Mode)" for investment joint account registration.)

You can enquire details of your subscribed investment products, such as the holding records of bonds issued by governments, corporations, or other issuers, funds, structured products and Currency Linked Deposit via Internet Banking and Mobile Banking.

It will not be displayed instantly. Since there are different settlement periods for investment products, the subscription record will be displayed after the completion of the settlement process. Usually, it will take 3 to 5 working days.

It will not be updated instantly. As the update time for different investment products are not the same, you may refer to the last update time, which is shown in the brackets under market price of the investment product.