Service Upgrade Details
A. Upgrade Summary
1. Support for Structured Address in Telegraphic Transfers
B. Upgrade Content
1. Support for Structured Address in Telegraphic Transfers
According to the latest SWIFT standards, the following enhancements will be made to the “Telegraphic Transfer” and “My Payee” functions of Internet Banking Services:
- Structured address is required for telegraphic transfers to new payee or newly registered payee
- Hybrid addresses (i.e. use the existing unstructured address format and provide “Town/City” information) is allowed for telegraphic transfers to existing recent payee or previously registered payee
- When adding a new telegraphic transfer payee or modifying an existing registered payee, a structured address must be used.
A. Upgrade Summary
1. New e-Advice Service
B. Upgrade Content
1. New e-Advice Service
To reduce paper consumption and protect the environment, the Bank has introduced the e-Advice Service via Internet Banking Services. Customers who have opened the Personal Internet Banking Services and registered a valid email address or mobile phone number with the Bank will be automatically provided with the e-Advice service. Customers can log in to Internet Banking at any time to view the e-Advices, easily experiencing the convenience of a paperless lifestyle.
The types of e-Advice include the following:
| Product | e-Advice |
| Deposits |
|
| Loans |
|
| Remittance |
|
A. Upgrade Summary
1. Support Forward-dated Fixed Deposit Placement
B. Upgrade Content
1. Support Forward-dated Fixed Deposit Placement
To increase the flexibility of fixed deposit services, when placing a fixed deposit, customer can choose a specific deposit date up to 45 calendar days in advance. The final interest rate will be determined based on the interest rate of that day. Once submitted the instruction, customer can view their instruction anytime under “Forward-dated Fixed Deposit Overview” before the scheduled deposit date. If necessary, customer may amend or delete the instruction at least 1 day before the deposit date.
A. Upgrade Summary
1. Enhancement on Remote Account Opening Service
B. Upgrade Content
1. Enhancement on Remote Account Opening Service
Optimize the remote account opening process and streamline operations to provide customers with a seamless and efficient digital account opening experience.
A. Upgrade Summary
1. Diversify assessment dimensions for Asset Concentration
B. Upgrade Content
1. Diversify assessment dimensions for Asset Concentration
To ensure that all relevant specific circumstances of customers are fully considered when assessing the suitability of investment products, the assessment dimension for Asset Concentration, including risk rating group, particular investment product and asset category, will be added to Currency Linked Deposit (CLD) and Currency Linked Investment (CLI) products, thereby enhancing the content of the suitability assessment.
A. Upgrade Summary
1. New “Mastercard Click to Pay” service
2. New “Recent Operation Record” function
3. New Precious Metal account opening service
4. Chinese Mainland investor opens Investment account, Precious Metal account or to be referred for opening Chong Hing Securities account
5. Support for updating “Education Level” by redirecting to the “Change Personal Information” function via the “Life Insurance” page
B. Upgrade Content
1. New “Mastercard Click to Pay” service
Customers can now enroll in Mastercard Click to Pay service through Mobile Banking or Internet Banking and agree to add the Chong Hing Mastercard to Mastercard Click to Pay for online transactions. Mastercard Click to Pay provides a simple and secure way to pay online or in-app. When you see the Mastercard Click to Pay icon 
during an online transaction, there is no need to manually enter Mastercard details, making the checkout process safer and faster.
To borrow or not to borrow? Borrow only if you can repay!
2. New“Recent Operation Record” function
A new “Recent Operation Record” function has been introduced. Customers may review the logon records and designated transaction / activity records of the Internet Banking and Mobile Banking via “Personal Information and Security Settings” on Mobile Banking from the past 90 days at any time to enhance account security.
3. New Precious Metal account opening service
Precious Metal account opening service is newly added in the “Wealth” module. Please refer to the website for product details.
Offering documents of Paper Gold Scheme comprise the Principal Brochure, Product Key Facts Statement and Terms and Conditions.
4. Chinese Mainland investor opens Investment account, Precious Metal account or to be referred for opening Chong Hing Securities account
To comply with the circular issued by the Hong Kong Monetary Authority and the Securities and Futures Commission of Hong Kong on 22 May 2026 regarding “Expected controls for account opening and maintaining relationships with clients with investment accounts”, Chinese Mainland investor Notes opens Chong Hing Bank’s Investment account, Precious Metal account or to be referred for opening a Chong Hing Securities account via "Chong Hing Mobile Banking" App, must first read and accept the “Declaration” to continue the application.
Notes: Refer to an individual investor who uses resident identity card and/or passport issued by the People’s Republic of China as an identification document, according to the Bank’s record or when opening an investment account / precious metal account / being referred to open a Chong Hing Securities account.
5. Support for updating “Education Level” by redirecting to the “Change Personal Information” function via the “Life Insurance” page
To facilitate online life insurance application, if customers do not have an education level recorded with the Bank, a prompt will appear on the page to guide them to provide that information via “Change Personal Information” first. Once successfully updated, customers can return to the “Life Insurance” page to continue with their application.