借记卡

借記卡

Debit Card

穿梭两地 成就机遇

工银亚洲借记卡(即提款卡),配合工银亚洲自动柜员机,再加上其它遍布全港、内地和海外的工行、银联、银通等自动柜员机和电子支付网络,组成庞大的自助服务网络,无论您身处何地,都能为您提供便利的港币和人民币现金提款及刷卡支付服务。为提供更安全可靠的自动柜员机服务,本行印发的芯片卡能够储存已加密的数据,有效地防止卡片数据被复制,进一步提升交易保安,令您尽享理财便利优势。

内地取款,免手续费

  • 您可凭工银亚洲港币借记卡,于中国内地各城市的超过80,000多台的中国工商银行自动柜员机查询账户余额、提取人民币现金,享受免提款手续费专属优惠(每笔取款至少节约港币15元手续费)。1 4        

双币账户,灵活选择

  • 可凭同一张工银亚洲借记卡,处理您在工银亚洲最多三个支票或活期储蓄账户。
  • 同时支持港币和人民币双币种。

环球通达,服务贴心

  • 您可凭工银亚洲借记卡,于港﹑澳﹑中国内地等自动柜员机,或于海外透过「银联」或「CIRRUS」2 自动柜员机兑取当地货币 3 4 5 6        
  • 您可凭工银亚洲借记卡,于内地或海外贴有「银联」标志的商户刷卡消费,消费金额由您的选定银行户口扣账 7        

港币提款:

  • 可透过近2000部遍布香港的工银亚洲和「银通」自动柜员机8 提取港币;

人民币提款:

  • 可透过迅速增长的工银亚洲自动柜员机办理港币或人民币现金提款服务;

海外自动柜员机取款服务启动渠道

海外自动柜员机取款服务的保安措施亦已实施,为客户提供更安全可靠的海外柜员机取款服务。如欲使用自动柜员机海外取款服务(包括经内地工行自动柜员机提款),你可透过以下渠道预先启动海外取款功能,设定其生效时期及每日海外取款的最高限额:

  • 附有「银通」芯片标志的工银亚洲及他行自动柜员机。
  • 身处海外的客户可透过工银亚洲24小时客户服务热线 (852) 218 95588办理。
  • 身处中国内地的客户,可于办公时间内透过内地工行客户服务热线95588(按7、0、2、1免费漫游至香港客户服务热线)或直接致电上述24小时客户服务热线办。

港币存款:

  • 可透过50多台工银亚洲附设港币现金存款服务的自动柜员机办理港币存款,实时存入港币账户;
  • 人民币存款:

    • 可透过部份工银亚洲附设人民币现金存款服务的自动柜员机办理人民币存款,实时存入人民币账户;

    自助缴费:

    • 可透过贴有Jet Payment「缴费易」标志的JETCO「银通」自动柜员机,或透过PPS「缴费灵」终端机进行首次预先登记,之后通过网上或电话缴付不同类型的商户账单及信用卡月结单。

    POS消费:

    • 于贴有EPS「易办事」或CUP「银联」标志的商户,使用工银亚洲借记卡直接刷卡支付, 消费金额由您所选定的银行户口直接扣账。

    其它服务:

    • 透过工银亚洲和「银通」自动柜员机,可办理转帐、账户查询、更改私人密码、申请月结单、申请支票簿、缴付账单及慈善机构捐款等服务。

    申请:

    • 客户须填写借记卡服务申请表,并连同身份证明文件,递交本行任何分行。

    功能服务简介

    借记卡服务说明

    注:

    • 1.每日限额为等值港币20,000元。
    • 2.借记卡背面印有「CIRRUS」标志,则该借记卡可透过世界各地(含中国内地)的任何贴有「CIRRUS」标志的自动柜员机上提取现金和查询账户结余。
    • 3.除人民币账户可以在中国内地提取人民币外,于香港以外地方提取现金,只能于港币账户支出并兑取当地货币。
    • 4.透过澳门、内地或海外的「银通」或「银联」或「CIRRUS」网络的自动柜员机提取现金均需收取手续费,分别为港币10元、港币或人民币15元和港币30元, 使用自动柜员机海外取款服务,需先启动海外取款功能,设定其生效时期及每日海外取款的最高限额。
    • 5.透过「银通」网络于境外进行以港元结算的柜员机取款交易,如所提取之货币为人民币,提取金额会按「银通」收单银行所订的交易当时之汇率直接兑换为港元,汇率会直接显示于柜员机画面。如所提取之货币为澳门币,提取金额会按「银通」所订的当日汇率直接兑换为港元,客户可致电「银通」服务热线(852) 2520 1747查询有关汇率。
      透过「银联」网络于境外进行以港元结算的柜员机取款交易,所提取之当地货币会按「银联」所订的当日汇率直接兑换为港元,客户可浏览www.unionpayintl.com 查询当日汇率。
      透过「CIRRUS」网络于境外进行以港元结算的柜员机取款交易,MasterCard会按交易当时之汇率把提取金额兑换为美元,再由工银亚洲按交易当时之汇率兑换为港元,客户可分别浏览www.mastercard.com/global/currencyconversion及www.icbcasia.com或致电工银亚洲客户服务热线(852)218 95588查询参考汇率。
      透过内地中国工商银行柜员机进行以港元结算的柜员机取款交易,内地中国工商银行会按交易当时之汇率把提取金额兑换为美元,再由工银亚洲按交易当时之汇率兑换为港元,客户可分别浏览www.icbc.com.cn及www.icbcasia.com或致电工银亚洲客户服务热线(852)218 95588查询参考汇率。
    • 6.请注意于境外进行柜员机取款交易时,能否选择交易的账户类别是由收单银行决定;而且,所提取之金额,不一定会从借记卡内与该提取货币之相同货币账户中扣除。
    • 7.通过「银联」网络消费,仅支持卡面或卡背印有「银联」标志的借记卡。
    • 8.客户以本行借记卡于贴有「银通」标志柜员机取款,每次最低提款额为港币500元,经本行柜员机取款则不受此限制。

穿梭兩地 成就機遇

工銀亞洲借記卡(即提款卡),配合工銀亞洲自動櫃員機,再加上其它遍佈全港、內地和海外的工行、銀聯、銀通等自動櫃員機和電子支付網路,組成龐大的自助服務網路,無論您身處何地,都能為您提供便利的港幣和人民幣現金提款及刷卡支付服務。為提供更安全可靠的自動櫃員機服務,本行印發的晶片卡能夠儲存已加密的資料,有效地防止卡片資料被複製,進一步提升交易保安,令您盡享理財便利優勢。

內地取款,免手續費

  • 您可憑工銀亞洲港幣借記卡,於中國內地各城市的超過80,000多台的中國工商銀行自動櫃員機查詢帳戶餘額、提取人民幣現金,享受免提款手續費專屬優惠(每筆取款至少節約港幣15元手續費)。1 4        

雙幣帳戶,靈活選擇

  • 可憑同一張工銀亞洲借記卡,處理您在工銀亞洲最多三個支票或活期儲蓄帳戶。
  • 同時支持港幣和人民幣雙幣種。

環球通達,服務貼心

  • 您可憑工銀亞洲借記卡,於港﹑澳﹑中國內地等自動櫃員機,或於海外透過「銀聯」或「CIRRUS」2 自動櫃員機兌取當地貨幣 3 4 5 6        
  • 您可憑工銀亞洲借記卡,於內地或海外貼有「銀聯」標誌的商戶刷卡消費,消費金額由您的選定銀行戶口扣賬 7        

港幣提款:

  • 可透過近2000部遍佈香港的工銀亞洲和「銀通」自動櫃員機8 提取港幣;

人民幣提款:

  • 可透過迅速增長的工銀亞洲自動櫃員機辦理港幣或人民幣現金提款服務;

海外自動櫃員機取款服務啟動渠道

海外自動櫃員機取款服務的保安措施亦已實施,為客戶提供更安全可靠的海外櫃員機取款服務。如欲使用自動櫃員機海外取款服務(包括經內地工行自動櫃員機提款),你可透過以下渠道預先啟動海外取款功能,設定其生效時期及每日海外取款的最高限額:

  • 附有「銀通」晶片標誌的工銀亞洲及他行自動櫃員機。
  • 身處海外的客戶可透過工銀亞洲24小時客戶服務熱線 (852) 218 95588辦理。
  • 身處中國內地的客戶,可於辦公時間內透過內地工行客戶服務熱線95588(按7、0、2、1免費漫遊至香港客戶服務熱線)或直接致電上述24小時客戶服務熱線辦。

港幣存款:

  • 可透過50多台工銀亞洲附設港幣現金存款服務的自動櫃員機辦理港幣存款,即時存入港幣賬戶;
  • 人民幣存款:

    • 可透過部份工銀亞洲附設人民幣現金存款服務的自動櫃員機辦理人民幣存款,即時存入人民幣賬戶;

    自助繳費:

    • 可透過貼有Jet Payment「繳費易」標誌的JETCO「銀通」自動櫃員機,或透過PPS「繳費靈」終端機進行首次預先登記,之後通過網上或電話繳付不同類型的商戶帳單及信用卡月結單。

    POS消費:

    • 於貼有EPS「易辦事」或CUP「銀聯」標誌的商戶,使用工銀亞洲借記卡直接刷卡支付, 消費金額由您所選定的銀行戶口直接扣賬。

    其它服務:

    • 透過工銀亞洲和「銀通」自動櫃員機,可辦理轉帳、帳戶查詢、更改私人密碼、申請月結單、申請支票簿、繳付帳單及慈善機構捐款等服務。

    申請:

    • 客戶須填寫借記卡服務申請表,並連同身份證明文件,遞交本行任何分行。

    功能服務簡介

    借記卡服務說明

    註:

    • 1.每日限額為等值港幣20,000元。
    • 2.借記卡背面印有「CIRRUS」標誌,則該借記卡可透過世界各地(含中國內地)的任何貼有「CIRRUS」標誌的自動櫃員機上提取現金和查詢帳戶結餘。
    • 3.除人民幣帳戶可以在中國內地提取人民幣外,於香港以外地方提取現金,只能於港幣帳戶支出並兌取當地貨幣。
    • 4.透過澳門、內地或海外的「銀通」或「銀聯」或「CIRRUS」網路的自動櫃員機提取現金均需收取手續費,分別為港幣10元、港幣或人民幣15元和港幣30元, 使用自動櫃員機海外取款服務,需先啟動海外取款功能,設定其生效時期及每日海外取款的最高限額。
    • 5.透過「銀通」網絡於境外進行以港元結算的櫃員機取款交易,如所提取之貨幣為人民幣,提取金額會按「銀通」收單銀行所訂的交易當時之匯率直接兌換為港元,匯率會直接顯示於櫃員機畫面。如所提取之貨幣為澳門幣,提取金額會按「銀通」所訂的當日匯率直接兌換為港元,客戶可致電「銀通」服務熱線(852) 2520 1747查詢有關匯率。
      透過「銀聯」網絡於境外進行以港元結算的櫃員機取款交易,所提取之當地貨幣會按「銀聯」所訂的當日匯率直接兌換為港元,客戶可瀏覽www.unionpayintl.com 查詢當日匯率。
      透過「CIRRUS」網絡於境外進行以港元結算的櫃員機取款交易,MasterCard會按交易當時之匯率把提取金額兌換為美元,再由工銀亞洲按交易當時之匯率兌換為港元,客戶可分別瀏覽www.mastercard.com/global/currencyconversion及www.icbcasia.com或致電工銀亞洲客戶服務熱線(852)218 95588查詢參考匯率。
      透過內地中國工商銀行櫃員機進行以港元結算的櫃員機取款交易,內地中國工商銀行會按交易當時之匯率把提取金額兌換為美元,再由工銀亞洲按交易當時之匯率兌換為港元,客戶可分別瀏覽www.icbc.com.cn及www.icbcasia.com或致電工銀亞洲客戶服務熱線(852)218 95588查詢參考匯率。
    • 6.請注意於境外進行櫃員機取款交易時,能否選擇交易的賬戶類別是由收單銀行決定;而且,所提取之金額,不一定會從借記卡內與該提取貨幣之相同貨幣賬戶中扣除。
    • 7.通過「銀聯」網路消費,僅支援卡面或卡背印有「銀聯」標誌的借記卡。
    • 8.客戶以本行借記卡於貼有「銀通」標誌櫃員機取款,每次最低提款額為港幣500元,經本行櫃員機取款則不受此限制。

Connect the Two Places to Realize the Opportunities

ICBC (Asia) aims to provide more secure and reliable ATM services, comprehensive self service banking services and Debit Card (also known as ATM Card) Services. With the ICBC (Asia) Debit Card, you can access Hong Kong, Mainland China and overseas networks including ICBC, CUP, JETCO ATMs and other electronic payment POS in the world. On the other hand, our ATM chip cards can provide greater debit card protection by its capability to store encrypted and confidential information and prevent the cards from being copied to make counterfeit cards. You can enjoy the convenient wealth management advantages such as instant cash withdrawal and POS purchase at ease anywhere, anytime.

Free-of-Charge Cash Withdrawal in Mainland China


  • By accessing more than 80,000 ICBC ATMs in Mainland China with ICBC (Asia) HKD Debit Card, you can enjoy balance inquiry, RMB cash withdrawal services without any transaction charge (It can save at least HKD15 for each cash withdrawal transaction)14.    

Dual-currency Accounts, Free Choice


  • You can link up to three current or savings accounts in the same ICBC (Asia) Debit Card.    
  • It supports both HKD and RMB currency accounts.    

Global Access, Caring Service


  • You can use ICBC (Asia) Debit Card to withdraw local currency from ATMs in Hong Kong, Macau, Mainland China and from CUP or CIRRUS2 ATMs all over the world3 4 5 6,    
  • You can use ICBC (Asia) Debit Card to enjoy POS purchase through CUP merchants in Mainland China and overseas. The consumed amount will be debited directly from the selected debit card account 7.    

HKD cash withdrawal:

   
  • at around 2,000 ICBC (Asia) and JETCO ATMs 8 in Hong Kong.        

RMB cash withdrawal:

   
  • at our ever-expanding ICBC (Asia) ATMs.        

Activation Channels for ATM Overseas Withdrawal Services:

   

The Security measures of ATM Overseas Withdrawal Services have been implemented and it can provide more secure and reliable ATM services. To enable ATM withdrawal services overseas (including ICBC ATM withdrawal services in Mainland China), you are required to activate the overseas withdrawal function of your ATM card by setting the activation period and daily overseas withdrawal limit in advance via the following channels:

  • ICBC (Asia) ATMs and the Jetco ATMs of other Banks (with the Jetco Chip Sticker )
  • Overseas customers can call the 24-hour Customer Service Hotline at (852) 218 95588 for activation.
  • For customers in Mainland China, you can call the ICBC Customer Service Hotline at 95588 during business hours or contact the 24-hour Customer Service Hotline above for activation.

HKD deposit:

   
  • at over 50 designated ICBC (Asia) ATMs with instant HKD deposit service. The amount will be credited into the HKD account instantly.        
   

RMB deposit:

       
  • at designated ICBC (Asia) ATMs with instant RMB deposit service. The amount will be credited into the RMB account instantly.            

   

Bill payment:

       
  • to various merchants and credit card payment at ICBC (Asia) and JETCO ATMs marked with Jet Payment logo, or using PPS online or phone payment services with prior registration at PSS terminal.            

   

POS purchase:

       
  • with direct insertion of ICBC (Asia) Debit Card in merchants with EPS or CUP logo. The consumed amount will be debited directly from the selected debit card account.            

   

Other services:

       
  • include fund transfer, balance inquiry, change password, statement and cheque book request, bill payment and charity donation etc.            

Application:

       
  • Account holder can apply for ATM services by filling out the application form and submits identity document at any of our branches.            

Descriptive Information

  • Descriptive Information for ATM Card    

Remarks:

       
  • 1.Daily limit is HKD20, 000 or its equivalent.            
  • 2.Debit cardholders with CIRRUS logo embossed on the card back can withdraw cash or enquire balance through the CIRRUS ATMs all over the world (including Mainland China).            
  • 3.Except RMB accounts linked with primary account on Debit Card that can withdraw RMB in Mainland China, other HKD account linked with primary account on Debit Card can only withdraw local currency outside Hong Kong ATMs.            
  • 4.Cash withdrawal via JETCO, UnionPay, CIRRUS in Macau, Mainland China and overseas will be charged with handling fees of HKD10, HKD/RMB 15 and HKD 30 respectively. To enable ATM withdrawal services overseas, you are required to activate the overseas withdrawal function of your ATM card by setting the activation period and daily overseas withdrawal limit.            
  • 5.For ATM transactions made abroad and settled in HKD via the JETCO network, if the transaction currency is CNY, the withdrawal amount is converted to HKD at the actual transaction exchange rate set by JETCO acquiring banks and shown on the ATM screen while processing the transaction. If the transaction currency is MOP, the withdrawal amount is converted to HKD at the daily exchange rate set by JETCO. For enquiries about the exchange rate for MOP, please call the JETCO hotline on (852) 2520 1747.

    For ATM transactions made abroad and settled in HKD via the UnionPay network,the withdrawal amount of local currency is converted to HKD at the daily exchange rate set by UnionPay. For enquiries about the daily exchange rate, please visit UnionPay’s website www.unionpayintl.com.

    For ATM transactions made abroad and settled in HKD via Cirrus network, the withdrawal amount will be first converted from the local currency to USD and then to HKD, at the actual transaction exchange rate set by MasterCard and ICBC(Asia) respectively. For enquiries about the reference exchange rates, please visit MasterCard’s website www.mastercard.com/global/currencyconversion and ICBC(Asia)’s website www.icbcasia.com or call ICBC(Asia)’s Customer Service Hotline at (852) 218 95588 respectively.

    For ATM transactions made via ICBC ATMs in the Mainland and settled in HKD, the withdrawal amount will be first converted from the local currency to USD and then to HKD, at the actual transaction exchange rate set by ICBC and ICBC(Asia) respectively. For enquiries about the reference exchange rates, please visit ICBC’s website www.icbc.com.cn and ICBC(Asia)’s website www.icbcasia.com or call ICBC(Asia)’s Customer Service Hotline at (852) 218 95588 respectively.
               
  • 6.Please be reminded that when customers perform ATM withdrawal transactions overseas, whether the transaction account type being able to be selected or not is determined by the acquiring bank. Also, the amount withdrawn may not be deducted from the same foreign currency account linked on the debit card as the currency that customers withdraw.            
  • 7.The POS purchase via CUP is available to the card with CUP logo embossed on the card front or card back.            
  • 8.The minimum cash withdrawal amount is HKD500 if customers use ICBC(Asia) debit card at ATMs marked with “JETCO” logo. This restriction will not apply to ICBC(Asia) ATMs.            

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