Service Upgrade Details

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.

A. Upgrade Summary

1. New Loan Application Services

2. Adjust transaction limits for new Remote Account Opening customer

3. Extend service hours of Fixed Deposit, Currency Exchange, FCY Exchange Fixed Deposit, Currency Linked Deposit and Currency Linked Investment

B. Upgrade Content

1. New Loan Application Services

Both new and existing customers can log on to Mobile Banking to complete the entire personal loan process from application to final disbursement, all in one place, with full control at every step. Additionally, customers can upload or supplement required documents anytime for approval and check the latest application status instantly, making the process simple and convenient.

To borrow or not to borrow? Borrow only if you can repay!

2. Adjust transaction limits for new Remote Account Opening customer

To safeguard customer funds, starting from 22 May 2026, new customers who successfully open an account through Remote Account Opening (excluding customers upgrade to Private Banking, Exceed Banking or Go Banking) will have their maximum aggregated daily transaction limit for fund transfer and telegraphic transfer set at HK$100,000 for the first 6 months after the account is opened.

3. Extend service hours of Fixed Deposit, Currency Exchange, FCY Exchange Fixed Deposit, Currency Linked Deposit and Currency Linked Investment

To facilitate customers in conducting online transactions, service hours of (1) Fixed Deposit, (2) Currency Exchange, (3) FCY Exchange Fixed Deposit, (4) Currency Linked Deposit and (5) Currency Linked Investment on Internet Banking will be extended. Details are as follows:

A. Upgrade Summary

1. New “Reset via Branch” option for forgotten password
2. Optimized bill payment services to remain unaffected by severe weather

B. Upgrade Content

1. New “Reset via Branch” option for forgotten password

To enhance customer convenience, the “Forgot Password” function in Mobile Banking Services now include a new “Reset via Branch” option. Customer can visit any branch in person to reset password immediately, further improving service efficiency.

2. Optimized bill payment services to remain unaffected by severe weather

To provide more convenient service for customers, starting from 27 April 2026, bill payment instructions submitted via Internet Banking and Mobile Banking Services will no longer be affected by severe weather conditions (including Typhoon Signal No. 8 or above, Black Rainstorm Warning, or “Extreme Conditions” announced by the HKSAR Government). 

A. Upgrade Summary

1. New “Paper Gold Trading” function
2. New “Currency Linked Investment” function
3. Enhancement on “Change Personal Information” function
4. Lowering the minimum deposit amount for “FCY Exchange Fixed Deposit”

B. Upgrade Content

1. New “Paper Gold Trading” function

“Paper Gold Trading” function is newly added in the “Wealth” module. Customer who has a valid paper gold account of the Bank can buy or sell paper gold via Internet Banking and Mobile Banking Services. There is no need for physical gold delivery, eliminating storage and delivery costs, and making management more convenient.

2. New “Currency Linked Investment” function

“Currency Linked Investment” function is newly added in the “Wealth” module. Customer who has a valid investment account of the Bank can subscribe for Currency Linked Investment – FX Swap, enquire holding list and investment transaction record(s) via Internet Banking and Mobile Banking Services. 

3. Enhancement on “Change Personal Information” function

In addition to updating contact information through the “Change Personal Information” function on Mobile Banking Services, customer can now also update other personal details such as employment status, personal income, and educational level. This allows customer to modify information anytime and anywhere, ensuring the accuracy of bank records and thereby enjoying more efficient banking services.

4. Lowering the minimum deposit amount for “FCY Exchange Fixed Deposit”

To enhance customer’s flexibility in placing fixed deposit, the minimum deposit amount for “FCY Exchange Fixed Deposit” via Internet Banking and Mobile Banking Services has been lowered as follows: