About Banking Services in Mobile Banking |
| Account Enquiry |
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| Fund Transfer |
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| Overseas Fund Transfer |
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| Bill Payment |
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| Deposit Account Opening |
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| eStatement |
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| eAlert |
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| Time Deposit |
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| Cross Border Long Card |
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| Account Enquiry |
| What kind of accounts can I enquire on Mobile Banking? |
You may check the account balances of all your accounts, including deposits, loans, investments and credit cards account with the Bank.
For account details, you may enquire:
Deposits Account
• Savings / Checking Account
• Multi-currency Savings Account
• Time Deposits Account
Loans Account
• Personal Loan
• Cross Border Loan
• Value-Added Mortgage
• e-loan
• Mortgage Loan
• Car Park Loan
Investments Account
• Securities Trading Account
• Gold Trading Account
• FX Linked Deposit Account
Credit Cards Account
• Credit Cards Account
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| Fund Transfer |
Important Notes:
- When making fund transfers, you should be careful and ensure the account numbers or identifiers used are correct so as to avoid transferring funds to unintended third parties. In the event you receive funds that are mis-transferred to you, you should return the funds through the Bank or else you may be criminally liable.
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| What are the different types of fund transfer available? |
Four types of fund transfer are available to you through our Mobile Banking:
• Transfer between your accounts or to the third-party CCB (Asia) accounts
• Transfer to other bank accounts in Hong Kong
• Transfer to other overseas bank accounts
• Scheduled & Recurrent Transfer
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| How far in advance can I instruct a transfer to be made? |
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You can schedule a fund transfer up to 45 days in advance.
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| How long do transfers take? |
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Please refer to the Fund Transfer in Online Banking Service Time Table. Back to top |
| Are there any daily limits for fund transfer? |
There is no limit for transfers within your own CCB (Asia) accounts. However there is daily limit for third party transfers:
| Transfer Type |
Limit |
| Transfer within own CCB (Asia) accounts |
Nil |
| Small-Value Fund Transfer |
HKD10,000 |
Transfer to registered accounts
(include transfer within CCB(Asia) and other banks in Hong Kong) |
HKD2,000,000 or its equivalent |
Transfer to unregistered accounts
(include transfer within CCB(Asia) and other banks in Hong Kong) |
HKD100,000 or its equivalent |
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| Are there any cut-off time for transfer within CCB (Asia) account or to other local banks? |
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Please refer to the Fund Transfer in Online Banking Service Time Table. Back to top |
| Is there any cut-off time for Funds Transfer in foreign currency? |
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Please refer to the Fund Transfer in Online Banking Service Time Table. Back to top |
| How many registered account can I register? |
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The maximum number of registered accounts is 20.
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| If I want to add or delete a registered account, what can I do? |
The registered accounts can only be added by submitting a maintenance form to our Branch.
You can simply go to "Transfer" → "Transfer Settings" → "Manage Registered Account" in Mobile Banking and select the registered account to be deleted. Back to top |
| If I want to update the transfer limit of the registered account, what should I do? |
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You may reduce your daily transfer limit online by going to "Transfer" → "Transfer Settings" → "Transaction Limit" in Mobile Banking. However, if you wish to increase the limit subsequently, you have to submit a maintenance form to any of our branches in person. Back to top |
| Which banks are applicable for Express Transfer? |
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Please tap here for the Express Transfer banks list. Back to top |
| What will happen if there is insufficient fund in my account on the effective date? |
It is not necessary to have sufficient fund in your account when you make a pending transfer. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.
Read More for details of Faster Payment System.
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| Overseas Fund Transfer |
| When can I transfer money overseas? |
Please refer to the Online Banking Service Time Table (Fund Transfer – To an Account Overseas) for our service available hours.
Applications for same day transfer are subject to cut-off times related to the geographical location of the transfer destination and/or the funding arrangement requirements of the settlement banks. This mean that the Applicant's account may be debited before the day the beneficiary receives the money and we will not be responsible for any interest expense or loss as a result.
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| When can I send a RMB remittance? |
Please refer to the Online Banking Service Time Table (Fund Transfer – To an Account Overseas) for our service available hours.
Please note the service is also subject to the operation and practice adopted by the RMB clearing bank. It will not be processed by the RMB clearing bank during public holidays in Mainland China.
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| What is the daily transfer limit? |
| Transfer Type |
Limit |
| Transfer to registered accounts maintained overseas |
HKD2,000,000 or its equivalent |
| Transfer to unregistered accounts maintained overseas |
HKD50,000 or its equivalent |
| Transfer RMB to same name account in Mainland China |
RMB80,000 |
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| Do I need to pay for making a transfer to an overseas account? |
Yes, local charges of HKD80 or HKD100 (If the local currency of the receiving bank is not the same as remittance currency) will be charged per transaction. Overseas Charges (including charges levied by the recipient bank and any correspondent banks) can be debited from either the recipient (Debit from remittance amount) or yourself (Debit from the same account as local charges).
An additional charge of HKD150 will be charged if the remittance details are in Chinese.
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| What should I do if I delete my registered overseas account by mistake? |
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You must visit our Branch to register the account again.
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| Can I modify my registered overseas account online? |
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No. You have to visit our Branch to modify the account information. |
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| Bill Payment |
| What is a bill type code? |
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Some of the payees have special codes for different types of bills. Should a bill type code be requested, simply check the payee's statement and you should be able to find the bill type code.
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| What is the largest payment that I can make? |
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The daily maximum limit of Online Bill Payment is HK$50,000. The combined daily maximum limit for Tax Payment and White Form eIPO Payment is HK$999,999. The daily maximum limit for AIA Insurance is HK$999,999 or available credit limit, whichever is lower.
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| If I have made a wrong payment, what should I do? |
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If you have made a scheduled payment that has not yet been processed, you can access "Bill Record" to amend or delete your payment. If the payment is processed, please contact the relevant merchant directly.
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| Can I change the date of payment, or even delay it? |
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Unless you have selected Pay on Today in the first place, you can change the payment date before the payment transaction is processed.
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| What if my Settlement Account does not have enough balance? |
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Your transaction will not be proceeded.
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| What is the cut-off time for online bill payment? |
Please refer to the Online Banking Service Time Table for details.
To make a payment for White Form eIPO application (which is the subscription applied via White Form eIPO Service website www.eipo.com.hk), please complete the payment transaction BEFORE 6:00 a.m. of the last day of the Offer Period. Back to top |
| Is there any service fee involved in the bill payment services? |
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No, it is free.
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| What bills can I pay via Mobile Banking? |
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Please refer to the Bill Payment Merchant List. Back to top |
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| Deposit Account Opening |
| What kind of deposit accounts can I open via Mobile Banking? |
• HKD Statement Savings Account
• HKD Checking Account
• USD Checking Account
• Multi-Currency Statement Savings Account
• RMB Statement Savings Account.
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| I notice that some of my personal information has already been filled. Can I update these details? |
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To facilitate your application, some of the fields are filled in according to your record retained in our system. For the sake of security, the data is protected and cannot be amended online, you are required to visit our branches to submit the relevant form for amendment.
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| I am holding an anyone-to-sign joint account, can I open the deposit account via Mobile Banking? |
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No, the service is available for individual accounts only.
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| When will the account be effective upon application? |
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Your registration will be processed immediately, and we will send you a notification via email in 1 - 2 business day(s) upon successfully account opening.
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| eStatement |
| Will I continue to receive the paper statement? |
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No, once you have opted for the eStatement, you will no longer receive the paper statement via mail.
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| How can I know a new eStatement is posted on Online Banking and Mobile Banking? |
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You will receive eStatement eAlert via email everytime a new eStatement is available. You can also register for receiving additional eAlert via SMS in "Left Menu" → "Setup/Update eAlert" → "eStatement for Banking Account" in Mobile Banking.
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| When will I start receiving eStatement eAlert? |
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Once the registration is completed in Mobile Banking and takes effect, you will start receiving eStatements eAlert on your coming statement generation date.
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| How can I open the eStatement on my own device? |
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You may need to have the latest version of Acrobat Reader to view the eStatements provided in the service. The software can be downloaded from https://www.adobe.com.
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| eAlert |
| What is eAlert? |
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eAlert is one of the electronic banking services. Setting up the eAlert services via our Mobile Banking, you can choose to be notified of any banking and personal matters through email and/or Short Messaging Service(SMS).
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| Who is eligible for using eAlert Services? |
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All Mobile Banking customers could setup the alerts by choosing the preferred channel and periodicity at their own choice. Pre-registration is not required.
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| What is the benefit of using eAlert Services? |
With China Construction Bank (Asia) eAlert services, you can:
- Monitor every ATM withdrawal transaction or EPS / China Unionpay payment, giving you greater peace of mind
- Capture any investment opportunity
- Manage your banking including:
- Renew time deposit at maturity;
- Pay periodic bills;
- Pay loan installment on due date;
- Account overdrawn;
- Any inward remittance;
- Any returned check;
- Account balance below the minimum level;
- Acknowledge any scheduled payment made;
- Manage your personal matters.
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| Is there a charge for using eAlert Services? |
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During the promotional period, customers can enjoy free eAlert services. If a service fee is required for particular types of eAlert in the future, the Bank will notify customers accordingly.
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| How to setup the eAlert? |
To setup the eAlert, simply log on Mobile Banking and follow the following steps:
• Go to "left menu" → "Notification";
• Select "Setup/Amend Notification";
• Choose the "eAlert" you would like to enroll.
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| Where can I change my e-mail address or mobile phone number? |
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Please see "How can I update my email address / mobile phone number?".
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| When will I receive eAlert? |
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It depends on which types of eAlert to be received and the network performance of internet or mobile phone services providers.
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| Does my mobile phone service provider charge on receiving eAlerts via SMS? |
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Please check with your mobile phone service provider for details.
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| ATM Cash Withdrawal Alert |
| Description |
| This type of Alert reminds you any successfully cash withdrawal made from your selected account by any ATM at anywhere. |
| Who is eligible? |
| Any Online/Mobile Banking customers with Dual Currency Debit Card and ATM Remittance card. |
| When will be sent out? |
| This alert will be sent out whenever cash was successfully withdrawn from your selected account by ATM. |
| Scheduled/Recurrent Funds Transfer Alert |
| Description |
| This alert notifies you when a scheduled/recurrent Funds Transfer set up via Online/Mobile Banking is executed. |
| Who is eligible? |
| All Online/Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent once the scheduled/recurrent Funds Transfer has been processed. |
| Interbank Funds Transfer Alert |
| Description |
| This alert notifies you when a Funds Transfer of any specified amount is made from your account to a third party account of another local bank. |
| Who is eligible? |
| All Online/Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent when a Funds Transfer to a third party account of another local bank has been made. |
| Time Deposit Maturity Alert |
| Description |
| This alert reminds you to renew any Time Deposit on maturity date. |
| Who is eligible? |
| Any Online/Mobile Banking customers with Time Deposit and its tenor is more than 7 days. |
| When will be sent out? |
| This alert will be sent out 2 workings days in advance of the maturity date of your selected Time Deposit. |
| Bill Payment/ eBill Alert |
| Description |
| This alert notifies you with specified status of any scheduled bill payments made. |
| Who is eligible? |
| Any Online/Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out once the specified status of any scheduled bill payment made. |
| Temporary Overdraft Alert |
| Description |
| This alert reminds you when any of your accounts have been overdrawn. However, overdraft interest charge is still applicable. |
| Who is eligible? |
| Any Online/Mobile Banking customers with Checking Accounts. |
| When will be sent out? |
| This alert will be sent out on the first date of loan overdue. |
| Inward Remittance Alert |
| Description |
| This alert notifies you when an inward remittance of any specified amount to your account. |
| Who is eligible? |
| All Online/Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out during the day of any remittance credited to your account. |
| eStatement for Banking Account Alert |
| Description |
| This alert notifies you when your latest eStatement for Banking Account is ready online. |
| Who is eligible? |
| Any Online/Mobile Banking customers with accounts. |
| When will be sent out? |
| This alert will be sent out once your latest eStatement for Banking Account is ready online. |
| Returned Check Alert |
| Description |
| This alert reminds you any self-issued check returned due to insufficient funds. |
| Who is eligible? |
| Any Online/Mobile Banking customers with Checking accounts. |
| When will be sent out? |
| This alert will be sent out during the day of any self-issued check returned due to insufficient funds. |
| Low Maintenance Balance Alert |
| Description |
| This alert reminds you when your available balance falls below the required amount for maintenance of "Premier Banking" or "Value Plus" accounts. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with either Premier Banking or Value Plus account. |
| When will be sent out? |
| This alert will be sent out 5 working days in advance of every month-end when your account balance falls below the required amount. |
| Dormant Account Alert |
| Description |
| This alert reminds you when your "Premier Banking" or "Value Plus" account will soon be changed to a dormant account status. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with either Premier Banking or Value Plus account. |
| When will be sent out? |
| This alert will be sent out 5 working days prior to the change of account status. |
| EPS / Unionpay Payment Alert |
| Description |
| This alert notifies you whenever a successful payment transaction is made via EPS or UnionPay payment network. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with ATM card or RMB card. |
| When will be sent out? |
| This alert will be once the payment request is accepted by EPS or UnionPay. |
| Mutual Fund Price Alert |
| Description |
| This alert notifies you when the selected fund price hits the preset price. |
| Who is eligible? |
| Any Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out on the next day when the market price hits the preset mutual fund price. |
| Stock Price Alert |
| Description |
| This alert notifies you when the market price of the selected stock hits the preset price range. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with Securities Trading accounts. |
| When will be sent out? |
| This alert will be sent out during the trading hours when the market price hits the preset price range. |
| Stock Order Confirmation Alert |
| Description |
| This alert notifies you when the trade orders are fully or partially completed, rejected or cancelled during the trading day. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with Securities Trading accounts. |
| When will be sent out? |
| For those fully or partially completed order, the alert will be sent out during the trading hours. Otherwise, it will be sent out after the trading hours. |
| eIPO Alert |
| Description |
| IPO stands for Initial Public Offering (the first time a company issues shares to public investors). The newly-issued securities may be listed on the Hong Kong stock exchange. eIPO Service means a service offered by the Bank of subscription for newly issued shares through the Internet. The Alert service is only for those IPOs that our Bank opens eIPO Service. |
| Who is eligible? |
| All Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out whenever our Bank provides eIPO Service. |
| Gold Trading Order Confirmation Alert |
| Description |
| This alert notifies you when the trade orders are completed successfully during the trading day. |
| Who is eligible? |
| Any Online/ Mobile Banking customers with Gold Trading accounts. |
| When will be sent out? |
| The alert will be sent out when orders are completed successfully. |
| Birthday Reminder |
| Description |
| This alert is a personal event reminder of any upcoming birthday. You can choose to be notified by the alert date and frequency. You can also input your own message. |
| Who is eligible? |
| All Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out in the morning of every scheduled day. |
| Anniversary Reminder |
| Description |
| This alert is a personal event reminder of any upcoming anniversary. You can choose to be notified by the alert date and frequency. You can also input your own message. |
| Who is eligible? |
| All Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out in the morning of every scheduled day. |
| Appointment Reminder |
| Description |
| This alert is a personal event reminder of any upcoming appointment. You can choose to be notified by the alert date and frequency. You can also input your own message. |
| Who is eligible? |
| All Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out in the morning of every scheduled day. |
| Payment Reminder |
| Description |
| This alert is a personal event reminder of any upcoming bill. You can choose to be notified by the alert date and frequency. You can also input your own message. |
| Who is eligible? |
| All Online/ Mobile Banking customers. |
| When will be sent out? |
| This alert will be sent out in the morning of every scheduled day. |
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| Time Deposit |
| What type of time deposit I can do via CCB (Asia) Mobile Banking? |
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There are choices of 12 foreign currencies including HKD, USD, GBP, CAD, AUD, NZD, JPY, CHF, EUR, SGD, RMB, ZAR.
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| What are the deposit period available for different currencies? |
| Currency |
Deposit Period |
| HKD/ USD |
1 week, 2 weeks, 1 month, 2 months, 3 months, 4 months, 5 months and 6 months |
| RMB |
1 month, 2 months, 3 months, 4 months and 6 months |
| Others |
1 week, 2 weeks, 1 month, 2 months, 3 months, 4 months and 6 months |
The above deposit periods are for reference only.
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| How much is the minimum initial deposit for HKD Time Deposit, Foreign Currency Time Deposit? |
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For HKD time deposit, a minimum deposit of HKD10,000 is required, while Foreign Currency Deposit requires minimum deposit of HKD30,000 or equivalent.
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| When can I place a Time Deposit online? |
Please refer to the Online Banking Service Time Table for details.
Please note that if the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day.
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| What are the types of maturity instructions available? |
• Full renewal (i.e. to renew both principal and interest for a specific period.)
• Renew principal and credit interest (i.e. to renew principal only, the interest generated will be credited to a specific account.)
• Add specific amount to principal (i.e. to renew the deposit with a larger principal amount. A fixed amount will be added to the principal every time the deposit is renewed.)
• Deduct specific amount from principal (i.e. to renew the deposit with deducted principal amount. A fixed amount will be deducted from the principal every time the deposit is renewed.)
• Credit both principal and interest (i.e. to uplift the deposit by crediting both principal and interest to a specific account.)
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| Can I amend my maturity instructions at anytime I want? |
Yes. If your amend maturity nstruction is "Do not renew", it will be processed by 3:00am on the maturity date. If your amend maturity instruction is "Renew", it will be processed 11:00pm to 11:59pm on the maturity date. Maturity instruction cannot be placed/edited beyond the above-mentioned processing time.
If more than one maturity instructions are received by the Bank through any of our channels (no matter through Branches or Online Banking) within a day, the Bank will consider the latest maturity instruction placed as the final instruction.
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| How far in advance can I set up a Time Deposit on Mobile Banking? |
You can schedule a time deposit placement up to 45 days, excluding Saturday, Sunday and Public holiday.
*From October 2, 2018 until further notice, customers can only set scheduled time deposit with effective from the next day to November 16, 2018. For enquiries, please call our Customer Service Hotline at (852) 2779 5533.
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| If I am not renewing my time deposits upon maturity, how can I transfer the proceeds (principal and interest) to an account without having to consider currency exchange? |
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If you want to redeem your time deposit in the same currency, please ensure you select an account of the same currency as your time deposit upon maturity.
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| If I have made a time deposit at a branch, can I change the maturity instruction on Mobile Banking? |
Yes, as long as your time deposit account can be operated through our Online Banking or Mobile Banking.
If your amend maturity instruction is "Do not renew", it will be processed by 3:00am on the maturity date. If your amend maturity instruction is "Renew", it will be processed between 11:00pm to 11:59pm on the maturity date. Maturity instruction cannot be placed/edited beyond the above-mentioned processing time.
If more than one maturity instructions are received by the Bank through any of our channels (no matter through Branches or Online Banking) within a day, the Bank will consider the latest maturity instruction placed as the final instruction.
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| Cross Border Long Card |
| What kind of Cross Border Long Card account(s) I can enquire at CCB (Asia) Mobile Banking? |
You can enquire the following account balances and transactions:
• CCB (Asia) HKD Savings Account;
• CCB (Asia) HKD Checking Account;
• CCB (Asia) HKD RMB Savings Account (Only applicable to Hong Kong residents who opened account in CCB (Asia));
• CCB HKD Cash Account
• CCB HKD Remittance Account;
• CCB RMB Account.
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| How long does it take for HKD remittance from CCB (Asia) to CCB? |
| HKD remittance from CCB (Asia) to CCB is a real time transaction, however customer is required to fill in the Overseas Income Declaration Form at Mainland China Construction Bank account opening branch in person. Funds will only be credited into the customer's account after the Declaration Form is reviewed and declaration is made for international balance of payments.
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| Will there be any service charge for HKD real time remittance from CCB (Asia) to CCB? |
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Yes, HKD100 will be charged per each transaction.
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| Is there any limit for HKD real time remittance? |
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Daily limit for HKD real time remittance is HKD1,000,000.
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| If I have RMB account in CCB (Asia), can I remit to CCB Cross Border Long Card RMB account? |
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Yes, but it will take around 1-2 working days.
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| Will there be any service charge for RMB remittance? |
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Yes, HKD80 will be charged per transaction. If payment details are in Chinese, additional handling fee HKD150 will be charged.
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