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Mobile Banking Services
1. Is it necessary to register Mobile Banking before for using Mobile Banking?
Registration is not required. For existing Internet Banking customers, search “BOCOM(HK)”at App Store or Google Play to download the latest "BOCOM(HK) Mobile Banking" App and log on to the Mobile Banking by simply entering User Name and Password of Internet Banking.
2. How to download BOCOM(HK) Mobile Application
Search “BOCOM(HK)”at App Store or Google Play to download our Mobile App. Please ensure the name of the application is "BOCOM(HK) Mobile Banking" before installation. Moreover, never download the application from other sources.
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3. How to activate Internet Banking Service?
Internet Banking account must be activated before it can be used. Please access the logon page of the Internet Banking Services or launch BOCOM(HK) mobile application and then click "Activate Internet Banking" button and follow the procedures for activation. A SMS notification will be sent upon successful activation.
4. Which services are provided in Mobile Banking?
Mobile Banking provides the following services.
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Enquire account balance and transaction records for BOCOM (HK) accounts / BOCOM Account (Mainland) |
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Fund transfer to non-registered and registered BOCOM(HK), Local Bank and Overseas Bank Accounts, transfer to registered BOCOM Account (Mainland), Cross-border RMB Salary Direct Transfer, Cross-border Remittance, register BOCOM(HK), Local Bank and Overseas Bank beneficiary accounts and conduct FPS addressing services |
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Investment Funds Subscription/ Switching/ Redemption, Bonds Subscription and Trading, "Deposit EXTRA" Investment Deposit and Guaranteed Structured Deposit |
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Enquire time deposit details, set up Time Deposit, set up “Time Deposit – My Choice”, amend maturity instruction and perform deposit uplift |
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Perform foreign exchange transactions with 13 currencies |
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Pay the unregistered/ registered bills and set up the regular bill payment instructions, enquire the bill payment record |
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View credit card balances, settle credit card payment and redeem bonus points, and also apply cash instalment plan, cash advance credit card instalment plan |
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Apply for mortgage loan and asset-link secured overdraft limit, check out the promotions of DreamCash Personal Loan |
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Instant purchase of travel insurance |
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Provide up to 20 times leveraged trading |
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Enquire MPF account information |
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Access up to past 7 years of e-Statements and past year of e-Advices |
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Change the Mobile Banking logon password |
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Adjust all types of the transfer/bill payment limits (Two-factor authentication is required for increasing limits) |
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Enquire and delete the registered beneficiary accounts |
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To terminate the Internet Banking Account |
Remark: Fund transferred to registered and non-registered other local bank accounts will be via Faster Payment System, it will be credited to recipient's account at different times that may vary due to recipient's bank. Fund transferred to credit card account will be deposited to the designated account on next business day.
Risk Disclosure Statement:
The above information is for reference only and is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risks. Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Past performance is not an indication of future performance. Investors should read carefully and understand the offering documents and the relevant Risk Disclosure Statement before making any investment decision. You should also take reasonable steps to assess the appropriateness of the transaction in light of your own risk, financial situation, objectives, investment tenor and other circumstances. The investment decision is yours, if you are in doubt, you should seek independent professional advice. The products are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. The above information is prepared by Bank of Communications (Hong Kong) Limited and have not been reviewed by any regulatory authority in Hong Kong.
Securities Trading Risk Disclosure Statement:
The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investment Funds Risk Disclosure Statement:
This is an investment product and some Investment Fund may involve derivatives or invest in emerging markets. Investments involve different risks such as market, concentration, currency, volatility, liquidity, regulatory and political risks. Funds invested in a limited number of markets, sectors or companies will be subject to higher risk and are more sensitive to price movements. Funds invested in emerging markets are subject to a higher risk as they involve a higher degree of volatility than funds invested in developed markets. This Risk Disclosure Statement may not disclose all risks involved, and different products are subject to different risks. Investors should read the relevant fund's offering documents in detail, including the full text of the risk factors stated therein, before making any investment decision.
Precious Metals and FX Margin Trading Risk Disclosure Statement:
The risk of loss in leveraged precious metals and foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.
Bond Risk Disclosure Statement:
Investor bears the credit risk of the issuer and the guarantor (if any) and has no recourse to the Bank. Before entering into any transaction, you are advised to read carefully the Offering Circular, to understand the possible risks and the product features. You should also take reasonable steps to assess the risks and appropriateness of the transaction in light of your own risk, financial situation, objectives, investment tenor and circumstances. The prices of bonds and their returns may move up or down due to the market conditions. Bond investment involves risk, including the possible loss of the principal amount invested. An investment in bonds is not equivalent to a time deposit and should not be taken to replace a time deposit.
Insurance Risk Disclosure Statement:
The insurance plan is a product of the corresponding underwriting insurance company, but not the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between the corresponding underwriting insurance company and the customer.
RMB Currency Risk Disclosure Statement:
RMB is subject to exchange rate risk and is currently not freely convertible. Conversion of RMB or provision of RMB services through banks in Hong Kong is subject to relevant RMB policies, other restriction and regulatory requirements in Hong Kong. No prior notice will be given for any changes which may be made from time to time.
Foreign Exchange Risk Disclosure Statement:
Foreign currency investments are subject to exchange rate fluctuations which may involve risks. The fluctuation in the exchange rate of foreign currency may make a gain or loss in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies.
MPF Risk Disclosure Statement:
Bank of Communications (Hong Kong) Limited (the “Bank”) is a registered principal intermediary in providing MPF services. The relevant MPF scheme is a product of Bank of Communications Trustee Limited but not the Bank; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute on the contractual terms of the product should be resolved between Bank of Communications Trustee Limited and the customer directly.
To borrow or not to borrow? Borrow only if you can repay!
5. How to change the password of my Internet Banking account?
After logon Mobile Banking successfully, you may logon and change the password by accessing "My Settings" > "Change Password". The new password will be effective immediately after successful update.
6. What can I do if I forget the username of my Internet Banking account?
For Hong Kong Identity Card customer, please access the logon page of Mobile Banking and click "Forgot" (near username field). Follow the instructions to capture ID Card and selfie, you can get back the username after authentication.
For other customer, please visit our branches to get back your username.
7. What can I do if I forget my password?
Please access the logon page of Mobile Banking and click “Forgot Password?”. Then you can follow the instructions to reset your password.
8. Do I need to pay any additional charges for using Mobile Banking?
Our Mobile Banking Services is free of charge. However, your data transmission usage may be charged by your telecommunication service providers.
For service charges of the selected services, please refer to Bank Charge.
9. When I am giving an instruction, if someone calls me during the meantime, what will happen to my order?
Internet connection may be interrupted and transaction may not be completed. Please check your transaction status accordingly.
For enquiry, you may contact our Customer Services hotline at 223 95559
10. Can I access Mobile Banking on any mobile handsets?
Our Mobile Banking can support most of the mobile phone using iOS/Android Operating System.
Our recommended Operating Systems will be
- iPhone with iOS 13 or above
- Mobile phone with Android 8.0 or above
11. Can I access Mobile Banking overseas?
Yes, you can enjoy our Mobile Banking Services anywhere you have a mobile internet connection via your mobile handset. Please note that data roaming charges may apply. For details, please contact your telecommunications service providers.
The service hours are as below
| Account Enquiry | 24-hours |
| Fund Transfer to registered and non-registered BOCOM(HK) | 24-hours Remark: Fund transferred to credit card account will be deposited to the designated account on next business day. |
| Fund Transfer to registered and non-registered other local bank | FPS Instant Transfer 24-hours FPS Same Day Transfer 24-hours CHATS Monday to Friday 09:00-16:00 (HKT) (except public holiday) Remarks: The funds transferred via FPS Transfer will be credited to recipient's account at different times that may vary due to recipient's bank. |
| Fund Transfer to BOCOM Account (Mainland) | 24-hours |
| Cross-border RMB Salary Direct Transfer | Transfer instructions received by the Bank after the specified cut-off time will be processed by the Bank on the next bank working day (excluding Saturdays, Sundays and public holidays). Service hours: RMB transfer instructions: 9:00 - 14:00 (Monday to Friday) |
| Cross-border Remittance | Service hours: Monday to Sunday 7:00 a.m. to 9:30 p.m. |
| Fund Transfer to registered and non-registered Oversea Bank Account | 24-hours |
| Investment Funds | 24-hours |
| Bonds | IPO Bond 24-hours Bond Subscription and Trading Monday to Friday 09:00 – 17:00 No services provided on Saturday, Sunday and Public Holiday<> |
| “Deposit EXTRA" Investment Deposit | Monday to Friday 09:00 – 19:30 No services provided on Saturday, Sunday and Public Holiday |
| Guaranteed Structured Deposit | Monday to Friday 10:00 – 16:00 No services provided on Saturday, Sunday and Public Holidays |
| Time Deposit | 24-hours |
| Bill Payment | 24-hours |
| Credit Card Services | 24-hours Remark: Payment to credit card account will be deposited to the designated account on next business day. |
| Loan and Mortgage | 24-hours |
| Travel Insurance | 24-hours |
| Foreign Exchange | 24-hours |
| Precious Metals And FX Margin Trading | Monday to Friday (6:00am - 03:30am next day) Remarks: No trading on Saturday and Sunday. Open on Hong Kong public holidays, except the New Year Holiday |
| E-Statements and E-Advices | 24-hours |
| Change Password | 24-hours |
| Account Maintenance | 24-hours |
| Register 3rd party beneficiary account | 24-hours After set-up the instruction, the registered beneficiary account will be effective in 6 hours. |
| Transfer/bill payment limit setting | 24-hours |
| Internet Banking Termination | 24-hours |
13. Is it safe to use Mobile Banking Services?
Yes，We take the following measures to protect your interests:
- When using Mobile Banking Services, all account and transaction information will be encrypted by TLS encryption technology;
- Our bank website has a digital certificate issued by DigiCert Corporation;
- Only those who have a unique Internet Banking user name and password may access the Mobile Banking Services;
- Mobile Banking system has an automatic log-off function. The service will automatically log-off to prevent unauthorized access to your account if your Mobile Banking remains idle for more than 20 minutes. This function is also operative even your account has incomplete transaction which has been left unattended for 20 minutes;
- Firewalls are installed in our servers to prevent unauthorized access.
14. What is Mobile Banking Lucky Draw? How can I participate?
Customers can take "Lucky Draw" of Mobile Banking App after completing designated transactions to participate. For details of a particular lucky draw event, please refer to related terms and conditions.
15. What is Push Notification?
Customers will receive important notifications in our mobile banking app after enabling the "push notification" feature. In order to allowing customers to stay updated with the latest important information from our bank, these notifications will be directly sent to customers' mobile notification center. For more details about the relevant terms and condition please click here.
16. How can I enable Push Notification feature in my mobile device?
Customers can assess "Settings >Bank Services Setting > Push Notification" on our app to enable the "Receive push notifications" feature. It is important to ensure the mobile device is connected to stable mobile data or Wi-Fi Network to receive the push notifications successfully.
Customer Service Hotline: 223 95559
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