个人网上银行

個人網上銀行

Personal Internet Banking

全天候理财不间断

工银亚洲个人网上银行服务,让您在24小时能进行多元化的理财及投资业务,打破时间与地域的限制,轻松自在。成为工银亚洲个人网上银行客户更可专享多种优惠,让您节省更多。
您只需把计算机连接至互联网,便可感受工银亚洲个人网上银行为您提供全面的银行服务,再配合稳固安全的保安技术,保障每刻数据安全传送,让您可更安心地进行网上理财及投资交易。

个人网上银行专享优惠

项目透过网上银行辨理透过分行辨理网上银行专享优惠
证券交易服务*佣金优惠私人银行/「理财金账户」
0.125%
一般客户1
0.25%
一般客户
节省0.1%佣金
「理财e时代」
0.138%
一般客户
0.15%
证券服务推广2020年1月1日至2020年6月30日
(1)新开证券账户首三个月买入证券$ 0佣金1;买入金额无上限,买入次数无上限。(2)每名合资格新客户可享HK$80现金回赠2次,最高现金回赠金额HK$1601。(3)开户后两个月起计首六个月存入全新资金可享「活期宝」储蓄存款,特高年利率高达 2.08%。(4)新开立孖展账户后首六个月,可享特惠年利率P-2.3%。  (5)股票转仓每达HK$200,000可享HK$200回赠,理财金账户回赠上限高达HK$6,000。
1.于推广期内,客户新开证券账户可透过工银亚洲网上银行、手机银行或「工银证券」APP买入证券享受 $ 0佣金。
2.合资格新客户透过电子交易渠道(只适用于网上银行,手机银行及「工银证券」APP) 成功完成单笔超过HK$50,000或以上的证券卖出交易,可享HK$80现金回赠。
(投资涉及风险,优惠须受条款及细则约束。详情请参阅相关之条款及细则)
借定唔借? 还得到先好借!                
免费股票实时报价私人银行
无限次
此服务只在
网上银行提供
私人银行
无限次
「理财金账户」
每月500次
「理财金账户」
每月500次
「理财e时代」
每月400次
「理财e时代」
每月400次
一般客户
每月300次
一般客户
每月300次
汇款服务以CHATS实时拨款到
其它本地银行
HK$50最低HK$1502                最少可节省
HK$100
电汇往ICBC集团银行HK$100最低HK$1502                最少可节省
HK$50
电汇往非ICBC集团银行HK$140最低HK$2002                最少可节省
HK$60
工银速汇
(港元及美元快速汇款
往ICBC集团银行)
HK$80最低HK$1502                最少可节省
HK$70
电汇至内地
人民币电汇往ICBC集团银行
HK$100最低HK$1502                最少可节省
HK$50
电汇至内地
人民币电汇往非ICBC集团银行
HK$140最低HK$2002                最少可节省
HK$60
保险服务家佣综合保险
钟点家佣保险
意外急救医疗保险
学生人身平安保险
人身平安保险
高尔夫球综合保险
9折一般客户3                一般客户
可节省10%保费

备注:

  1. 表格内只列出一般客户透过分行渠道办理港币30万以下的证券交易佣金优惠,有关分行提供之优惠会因客户类别及每次交易金额而有所不同,有关详情可前往任何一间分行作进一步查询。
  2. 客户如透过分行办理汇款,表格内所列的收费只是一般汇款服务之最低收费,只供参考,实际收费或会因客户所需的其它电汇服务而有所不同,有关详情可前往任何一间分行作进一步查询。
  3. 表格内只列出一般客户透过分行渠道投保表格内所列之般保险所享之折扣优惠,有关分行优惠会因客户类别而有所不同,有关详情可前往任何一间分行作进一步查询。

个人网上银行优势

(1) 功能丰富,满足需求
个人网上银行具有转账汇款、投资理财、货币兑换、贷款申请、缴费、保险投保、信用卡、市场信息、信息提示、账户管理等多项功能,当中每项主功能均涵盖相应的子功能,总数超过100项,完全满足您的理财需要。

(2) 工行汇款,快速便捷
工行汇款功能是专门针对国内工行客户使用习惯设计,能简单把资金汇往中国工商银行国内账户,更可进行本行转账、跨行转账及跨境汇款等服务。当中,以预先登记工行收款账户办理汇款最为方便。

(3) 投资服务,得心应手
您可透过个人网上证券买卖服务进行股票买卖,兼享其它服务,包括股票报价、股票到价提示及浏览市场信息等。个人网上银行更具备实时开立投资户口功能,让您实时进行证券买卖、月供股票、投资基金、首次公开招股申请、债券投资及存款证认购,尽握每个投资良机。

(4) 全球账户管理,理财无分边界
透过个人网上银行,您可以在每天24小时随时递交汇款申请,再配合工行集团在美国、英国、日本、新加坡及马来西亚等多达27家的海外分行网络,让理财再无时间及地域阻碍,资金调动更为灵活。

(5) 工行账户通,两地连成一线
工银亚洲个人网上银行可与您在国内中国工商银行的账户接通,您只需透过一次登录,便能进行国内工行账户余额查询、当日明细查询及历史明细查询,让您身在香港也能轻松掌握两地的资金情况。

(6)网上保险,倍添安心
个人网上银行提供多种不同类型保险,包括旅游保险、家佣综合保险、钟点家佣保险、安心家居全险、意外急救医疗保险、学生人身平安保险、人身平安保险及高尔夫球综合保险,网上投保更可享有折扣优惠。

(7) 网上交易,尽享优惠
透过个人网上银行办理交易可享多达十多项优惠。其中,汇款往全球的中国工商银行集团分行,比汇往其它银行可享更大幅度之手续费优惠;而针对本地转账的电子交换服务更是免费。同时,网上理财会不时推出汇款、股票、基金买卖及保险等各种优惠,为您节省更多。

(1) 查阅资产
您可查阅名下的港元、人民币及外币账户结余及交易明细纪录,数据保存长达180天,并提供下载功能,账户数据一目了然。

(2) 投资工具
证券买卖可为您处理按当时买卖价上下200个价位以内的买卖指示。同一交易日内多次买入或多次沽出同一只股票,交易款项均自动合并为一笔买入或一笔沽出交易,为您节省更多。我们使用香港联合交易所第三代自动对盘系统(AMS/3),只需数秒即可完成您的交易买卖指示。

(3) 网上开户
您可在个人网上银行开立多达9类账户,包括:储蓄、往来、定期存款、股票、基金投资、债券及其它结构性产品的综合投资账户,全天候24小时均可开立账户,不再受分行营业时间及地区所限制。

(4) 工银信使
「工银信使」服务是一种信息提示服务,让您随时随地能够更加快捷、全面地掌握您的账户情况。您可以灵活设定各个项目的手机短讯及电子邮件提示,包括个人账户信息。您账户的任何动向包括资金存支、支票兑现/被退回及到期还款等等都将以短讯及电邮方式通知您。

(5) 自动转账常行指示
您可透过个人网上银行的自动转账常行指示功能,预先设定在每星期、每月甚至每年需定期转账的交易项目及执行日期,交易执行当天会由系统自行处理,让您轻松无牵挂。

(6) 转账模板
您除可就以下各个交易项目包括转账、汇款、CHATS、电子交换、缴费及货币买卖,预先设立90天以内之执行日期外,更可为经常执行的交易建立及储存模板,往后当您执行同类型的交易时便可套取模板使用,省却每次输入数据的时间,加快处理速度,非常方便。

(1) 双重认证 双倍保障
双重认证是指利用两种不同性质的数据,用作核实用户的真正身份:

利用双重认证的好处:
因骗徒无法在网上盗取您持有的实物工具(如:电子密码器),因而可大幅提升安全程度;可保障高风险的交易,因为只有网上银行用户才持有实物工具,令所有高风险的网上银行交易(例如转(例如转账至未登记的第三者账户)都能得到双重保障;使用方法简单,只需依循简单的步骤便能完成高风险交易。

(2) 如何使用双重认证
工银亚洲个人网上银行为客户提供按电子密码器得到的一次性密码。当进行高风险交易时,应使用密码器一次性密码,便能确认交易。查阅电子密码器使用说明

(3)网上安全您要知
当完成网上交易后,必须点击「退出登录」确认离开系统,以防止个人数据外泄。请妥善保管您的电子密码器,它是重要的双重认证工具。请不要透过任何电子邮件提供的超链接登入网上银行。我们也不会以电邮方式要求客户提供账户号码、密码或任何个人数据。为确保账户安全,如您连续四次输入错误的网上银行登入密码,您的网上银行服务将被暂停,您需亲临工银亚洲任何一家分行办理重发密码手续。查阅保安贴士及了解双重认证

(4) 评估已登记第三者账户
登记第三者账户时,如该账户是高风险商户类别(如货币服务营运者、或能较容易将产品或服务转换为金钱者,如汇款服务商、外币兑换商、珠宝首饰公司、博彩业机构、财务类/借贷类服务者例如股票经纪行、信用卡商户),请慎重决定申请及浏览本行网页了解更多保安提示。请留意登记某些机构的账户作为第三者账户时,有可能会引起将资金提取或转账至其它未经指定受益人的潜在风险。

登入网址http://www.icbcasia.com,于左边网上理财项目下点选「个人客户 / 证券服务」,点击「进入」。在登入页面输入您的「网上理财账户号码」及「私人密码」(由银行提供之密码函),如首次登入,请先细阅并确认服务的相关条款,再修改您的「私人密码」,即可轻松进入网上理财。网上理财登入域名为 icbc.com.cn

1. 如您尚未成为工银亚洲客户:
(1) 香港本地客户 -请携同您的「身份证明文件 - 如香港身份证」「最近3个月的住址证明」
(2) 国内客户 -请携同您的「国内身份证」「来往港澳通行证」「国内护照(如有)」
到我行任何一家分行开立一个港币账户;开立账户时,便可实时注册开通我行个人网上银行, 即日生效。

2. 如您已是本行现有客户并持有:「自动柜员机提款卡」;「电话理财」;或「信用卡」,您只需在网上实时完成简单的登记手续,便可马上透过网上理财服务处理阁下在本行的账户。请立即成为网上理财客户,让您尽享轻松自在的理财方式。登记方法请参阅登记步骤    

服务适用对象

个人客户

开户条件

持活期账户或信用卡账户的个人客户可以申请开通网上银行服务

申请流程

见上「如何开立工银亚洲个人网上银行」

服务渠道与时间

网上银行提供7×24小时查询服务,个别功能之服务时间请见网上银行内之交易提示。

账户转账每日最高限额

账户转账每日最高限额详列如下︰
   

交易种类个人客户最高限额
账户持有人名下之已登记账户转账
(包括由账户持有人亲身往指定分行到取所购买之本票及汇票)
没有限额
已登记之第三者账户转账
(包括本行内之转账及转账至其它银行)
每日交易总额:
经分行申请: HK1,000,000 a e
经网银申请: HKD800,000 a e
用户亦可于申请时设定每一账户的转账限额。

- 人民币汇款每日最高汇款限额为每人CNY80,000 并只适用于个人账户
客户需注意有关人民币转账交易需符合该受款银行的监管要求,否则该笔交易可能会被退回及引起额外的收费
未登记之第三者账户转账b
(包括本行内之转账及转账至其它银行)
双重认证授权用户:
经分行申请: HKD200,000 c
经网银申请:HKD160,000

一般密码授权用户:
HKD 0
一般缴费
(包括缴付账单、信用卡缴费及捐款)
HKD100,000 a e                
税务缴费HKD500,000 a e                
白表eIPO 网上缴费HKD4,000,000 a                
小额转账 (每日)de                经分行申请: HKD10,000
经网银申请:HKD10,000
货币买卖
港币与美元间之兑换
HKD500,000,000 或其等值之美元
货币买卖
港币与澳元, 加元, 瑞士法郎, 欧罗, 英镑, 日元, 纽西兰元
HKD50,000,000 或其等值之货币
货币买卖
港币与新加坡元间之兑换
HKD50,000,000或其等值之港元
货币买卖
港币与人民币间之兑换
RMB20,000或其等值之港元

a. 账户持有人可于申请时设定有关限额,亦可于网上自行调整有关限额(提升限额需要使用电子密码器)。
b. 适用于小额转账的限额
c. 请留意阁下十二个月未有透过网上银行转账至未登记第三方账户,有关限额将被重设为零。如要重设相关转账限额,请可经网上银行以密码器申请或亲临我行任何分行办理。
d.小额转账服务即您每日不需要使用密码器进行未登记第三方转账的交易限额。
e. 网银及手机银行限额共享
   

功能服务简介

注意事项

如果忘记了网上银行密码,应及时到分行办理密码重置

风险声明及提示

  1. 投资涉及风险,证券及结构性产品价格有时会大幅波动,价格可升亦可跌,更可变得毫无价值。
  2. 投资未必一定能够赚取利润,反而可能会招致损失,往绩数字并非未来表现的指标。
  3. 藉存放抵押品而为交易取得融资亏损风险可能极大, 您所蒙受的亏蚀可能会超过您存放于有关交易商或证券保证金融资人作为抵押品的现金及任何其它资产。您可能会在短时间内被要求存入额外的保证金款项或缴付利息。假如您未能在指定的时间内支付所需的保证金款项或利息,您的抵押品可能会在未经您的同意下被出售。此外,您将要为您的账户内因此而出现的任何短欠数额及需缴付的利息负责。
  4. 投资前应先阅读有关产品发售文件、财务报表及相关的风险声明,并应就本身的财务、其它状况及需要、详细考虑并决定该投资是否切合本身特定的投资需要。
  5. 若有需要更应咨询独立之法律、财务、财务及其它专业意见,方可作出有关投资决定。
  6. 密码必须保密及安全, 及定时更改私人密码。
  7. 请妥善保管客户信息及密码,密码丢失有可能造成账户信息泄露和资金被盗的风险。

全天候理財不間斷

工銀亞洲個人網上銀行服務,讓您在24小時能進行多元化的理財及投資業務,打破時間與地域的限制,輕鬆自在。成為工銀亞洲個人網上銀行客戶更可專享多種優惠,讓您節省更多。

您只需把電腦連接至互聯網,便可感受工銀亞洲個人網上銀行為您提供全面的銀行服務,再配合穩固安全的保安技術,保障每刻資料安全傳送,讓您可更安心地進行網上理財及投資交易。

個人網上銀行專享優惠
項目透過網上銀行辨理透過分行辨理網上銀行專享優惠
證券交易服務*佣金優惠私人銀行/「理財金賬戶」
0.125%
一般客戶1
0.25%
一般客戶
節省0.1%佣金
「理財e時代」
0.138%
一般客戶
0.15%
證券服務推廣2020年1月1日至2020年6月30日(包括首尾兩天)
(1)新開證券賬戶首三個月買入證券$ 0佣金1;買入金額無上限,買入次數無上限。(2)每名合資格新客戶可享HK$80現金回贈2次,最高現金回贈金額HK$1602。(3)開戶後兩個月起計首六個月存入全新資金可享「活期寶」儲蓄存款,特高年利率高達 2.08%。(4)新開立孖展賬戶後首六個月,可享特惠年利率P-2.3%。(5)股票轉倉每達HK$200,000可享HK$200回贈,理財金賬戶回贈上限高達HK$6,000。  
1.客戶新開證券賬戶可透過工銀亞洲網上銀行、手機銀行或「工銀證券」APP買入證券享受 $ 0佣金。
2.合資格新客戶透過電子交易渠道(只適用於網上銀行,手機銀行及「工銀證券」APP) 成功完成單筆超過HK$50,000或以上的證券賣出交易,可享HK$80現金回贈。
(投資涉及風險,優惠須受條款及細則約束。詳情請參閱相關之條款及細則)
借定唔借? 還得到先好借!               
免費股票即時報價私人銀行
無限次
此服務只在
網上銀行提供
私人銀行
無限次
「理財金賬戶」
每月500次
「理財金賬戶」
每月500次
「理財e時代」
每月400次
「理財e時代」
每月400次
一般客戶
每月300次
一般客戶
每月300次
匯款服務以CHATS實時撥款到
其他本地銀行
HK$50最低HK$1502               最少可節省
HK$100
電匯往ICBC集團銀行HK$100最低HK$1502               最少可節省
HK$50
電匯往非ICBC集團銀行HK$140最低HK$2002               最少可節省
HK$60
工銀速匯
(港元及美元快速匯款
往ICBC集團銀行)
HK$80最低HK$1502               最少可節省
HK$70
電匯至內地
人民幣電匯往ICBC集團銀行
HK$100最低HK$1502               最少可節省
HK$50
電匯至內地
人民幣電匯往非ICBC集團銀行
HK$140最低HK$2002               最少可節省
HK$60
保險服務家傭綜合保險
鐘點家傭保險
意外急救醫療保險
學生人身平安保險
人身平安保險
高爾夫球綜合保險
9折一般客戶3               一般客戶
可節省10%保費

備註:

  1. 表格內只列出一般客戶透過分行渠道辦理港幣30萬以下的證券交易佣金優惠,有關分行提供之優惠會因客戶類別及每次交易金額而有所不同,有關詳情可前往任何一間分行作進一步查詢。
  2. 客戶如透過分行辦理匯款,表格內所列的收費只是一般匯款服務之最低收費,只供參考,實際收費或會因客戶所需的其他電匯服務而有所不同,有關詳情可前往任何一間分行作進一步查詢。
  3. 表格內只列出一般客戶透過分行渠道投保表格內所列之般保險所享之折扣優惠,有關分行優惠會因客戶類別而有所不同,有關詳情可前往任何一間分行作進一步查詢。
個人網上銀行優勢   

(1) 功能豐富,滿足需求
個人網上銀行具有轉賬匯款、投資理財、貨幣兌換、貸款申請、繳費、保險投保、信用卡、市場資訊、資訊提示、賬戶管理等多項功能,當中每項主功能均涵蓋相應的子功能,總數超過100項,完全滿足您的理財需要。

(2) 工行匯款,快速便捷
工行匯款功能是專門針對國內工行客戶使用習慣設計,能簡單把資金匯往中國工商銀行國內賬戶,更可進行本行轉賬、跨行轉賬及跨境匯款等服務。當中,以預先登記工行收款賬戶辦理匯款最為方便。

(3) 投資服務,得心應手
您可透過個人網上證券買賣服務進行股票買賣,兼享其他服務,包括股票報價、股票到價提示及瀏覽市場資訊等。個人網上銀行更具備即時開立投資戶口功能,讓您即時進行證券買賣、月供股票、投資基金、首次公開招股申請、債券投資及存款證認購,盡握每個投資良機。

(4) 全球賬戶管理,理財無分邊界
透過個人網上銀行,您可以在每天24小時隨時遞交匯款申請,再配合工行集團在美國、英國、日本、新加坡及馬來西亞等多達27家的海外分行網絡,讓理財再無時間及地域阻礙,資金調動更為靈活。

(5) 工行賬戶通,兩地連成一線
工銀亞洲個人網上銀行可與您在國內中國工商銀行的賬戶接通,您只需透過一次登錄,便能進行國內工行賬戶餘額查詢、當日明細查詢及歷史明細查詢,讓您身在香港也能輕鬆掌握兩地的資金情況。

(6)網上保險,倍添安心
個人網上銀行提供多種不同類型保險,包括旅遊保險、家傭綜合保險、鐘點家傭保險、安心家居全險、意外急救醫療保險、學生人身平安保險、人身平安保險及高爾夫球綜合保險,網上投保更可享有折扣優惠。

(7) 網上交易,盡享優惠
透過個人網上銀行辦理交易可享多達十多項優惠。其中,匯款往全球的中國工商銀行集團分行,比匯往其他銀行可享更大幅度之手續費優惠;而針對本地轉賬的電子交換服務更是免費。同時,網上理財會不時推出匯款、股票、基金買賣及保險等各種優惠,為您節省更多。

個人網上銀行特色功能   

(1) 查閱資產
您可查閱名下的港元、人民幣及外幣賬戶結餘及交易明細紀錄,資料保存長達180天,並提供下載功能,賬戶數據一目了然。

(2) 投資工具
證券買賣可為您處理按當時買賣價上下200個價位以內的買賣指示。同一交易日內多次買入或多次沽出同一隻股票,交易款項均自動合併為一筆買入或一筆沽出交易,為您節省更多。我們使用香港聯合交易所第三代自動對盤系統(AMS/3),只需數秒即可完成您的交易買賣指示。

(3) 網上開戶
您可在個人網上銀行開立多達9類賬戶,包括:儲蓄、往來、定期存款、股票、基金投資、債券及其他結構性產品的綜合投資賬戶,全天候24小時均可開立賬戶,不再受分行營業時間及地區所限制。

(4) 工銀信使
「工銀信使」服務是一種資訊提示服務,讓您隨時隨地能夠更加快捷、全面地掌握您的賬戶情況。您可以靈活設定各個專案的手機短訊及電子郵件提示,包括個人賬戶資訊。您賬戶的任何動向包括資金存支、支票兌現/被退回及到期還款等等都將以短訊及電郵方式通知您。

(5) 自動轉賬常行指示
您可透過個人網上銀行的自動轉賬常行指示功能,預先設定在每星期、每月甚至每年需定期轉賬的交易項目及執行日期,交易執行當天會由系統自行處理,讓您輕鬆無牽掛。

(6) 轉賬範本
您除可就以下各個交易項目包括轉賬、匯款、CHATS、電子交換、繳費及貨幣買賣,預先設立90天以內之執行日期外,更可為經常執行的交易建立及儲存範本,往後當您執行同類型的交易時便可套取範本使用,省卻每次輸入資料的時間,加快處理速度,非常方便。

個人網上銀行保安小貼士   

(1) 雙重認證 雙倍保障
雙重認證是指利用兩種不同性質的資料,用作核實用戶的真正身份:

利用雙重認證的好處:
因騙徒無法在網上盜取您持有的實物工具(如:電子密碼器),因而可大幅提升安全程度;可保障高風險的交易,因為只有網上銀行用戶才持有實物工具,令所有高風險的網上銀行交易(例如轉(例如轉賬至未登記的第三者帳戶)都能得到雙重保障;使用方法簡單,只需依循簡單的步驟便能完成高風險交易。

(2) 如何使用雙重認證
工銀亞洲個人網上銀行為客戶提供按電子密碼器得到的一次性密碼。當進行高風險交易時,應使用密碼器一次性密碼,便能確認交易。查閱電子密碼器使用說明

(3)網上安全您要知
當完成網上交易後,必須點擊「退出登錄」確認離開系統,以防止個人資料外泄。請妥善保管您的電子密碼器,它是重要的雙重認證工具。請不要透過任何電子郵件提供的超鏈結登入網上銀行。我們也不會以電郵方式要求客戶提供帳戶號碼、密碼或任何個人資料。為確保帳戶安全,如您連續四次輸入錯誤的網上銀行登入密碼,您的網上銀行服務將被暫停,您需親臨工銀亞洲任何一家分行辦理重發密碼手續。查閱保安貼士及了解雙重認証

(4) 評估已登記第三者賬戶
登記第三者賬戶時,如該賬戶是高風險商戶類別(如貨幣服務營運者、或能較容易將產品或服務轉換為金錢者,如匯款服務商、外幣兌換商、珠寶首飾公司、博彩業機構、財務類/借貸類服務者例如股票經紀行、信用卡商戶),請慎重決定申請及瀏覽本行網頁了解更多保安提示。請留意登記某些機構的賬戶作為第三者賬戶時,有可能會引起將資金提取或轉賬至其他未經指定受益人的潛在風險。

個人網上銀行登入方法   

登入網址http://www.icbcasia.com,於左邊網上理財項目下點選「個人客戶 / 證券服務」,點擊「進入」。在登入頁面輸入您的「網上理財賬戶號碼」及「私人密碼」(由銀行提供之密碼函),如首次登入,請先細閱並確認服務的相關條款,再修改您的「私人密碼」,即可輕鬆進入網上理財。網上理財登入域名為 icbc.com.cn

如何開立工銀亞洲個人網上銀行   

1. 如您尚未成為工銀亞洲客戶:
(1) 香港本地客戶 -請攜同您的「身份證明文件 - 如香港身份證」「最近3個月的住址證明」
(2) 國內客戶 -請攜同您的「國內身份證」「來往港澳通行證」「國內護照(如有)」
到我行任何一家分行開立一個港幣賬戶;開立賬戶時,便可即時註冊開通我行個人網上銀行, 即日生效。

2. 如您已是本行現有客戶並持有:「自動櫃員機提款卡」;「電話理財」;或「信用卡」,您只需在網上即時完成簡單的登記手續,便可馬上透過網上理財服務處理閣下在本行的賬戶。請立即成為網上理財客戶,讓您盡享輕鬆自在的理財方式。登記方法請參閱登記步驟   

服務適用對象

個人客戶

開戶條件

持活期賬戶或信用卡賬戶的個人客戶可以申請開通網上銀行服務

申請流程

見上「如何開立工銀亞洲個人網上銀行」

服務渠道與時間

網上銀行提供7×24小時查詢服務,個別功能之服務時間請見網上銀行內之交易提示。

賬戶轉賬每日最高限額

賬戶轉賬每日最高限額詳列如下︰
   

交易種類個人客戶最高限額
賬戶持有人名下之已登記賬戶轉賬
(包括由賬戶持有人親身往指定分行到取所購買之本票及匯票)
沒有限額
已登記之第三者賬戶轉賬
(包括本行內之轉賬及轉賬至其他銀行)
每日交易總額:
經分行申請: HK1,000,000 a e
經網銀申請: HKD800,000 a e
用戶亦可於申請時設定每一賬戶的轉賬限額。

- 人民幣匯款每日最高匯款限額為每人CNY80,000 並只適用於個人賬戶
客戶需注意有關人民幣轉賬交易需符合該受款銀行的監管要求,否則該筆交易可能會被退回及引起額外的收費
未登記之第三者賬戶轉賬b
(包括本行內之轉賬及轉賬至其他銀行)
雙重認證授權用戶:
經分行申請: HKD200,000 c
經網銀申請:HKD160,000

一般密碼授權用戶:
HKD 0
一般繳費
(包括繳付賬單、信用卡繳費及捐款)
HKD100,000 a e               
稅務繳費HKD500,000 a e               
白表eIPO 網上繳費HKD4,000,000 a               
小額轉賬 (每日)de               經分行申請: HKD10,000
經網銀申請:HKD10,000
貨幣買賣
港幣與美元間之兌換
HKD500,000,000 或其等值之美元
貨幣買賣
港幣與澳元, 加元, 瑞士法郎, 歐羅, 英鎊, 日元, 紐西蘭元
HKD50,000,000 或其等值之貨幣
貨幣買賣
港幣與新加坡元間之兌換
HKD50,000,000或其等值之港元
貨幣買賣
港幣與人民幣間之兌換
RMB20,000或其等值之港元

a. 賬戶持有人可於申請時設定有關限額,亦可於網上自行調整有關限額(提升限額需要使用電子密碼器)。
b. 適用於小額轉賬的限額
c. 請留意閣下十二個月未有透過網上銀行轉賬至未登記第三方賬戶,有關限額將被重設為零。如要重設相關轉賬限額,請可經網上銀行以密碼器申請或親臨我行任何分行辦理。
d.小額轉賬服務即您每日不需要使用密碼器進行未登記第三方轉賬的交易限額。
e. 網銀及手機銀行限額共享
   

功能服務簡介

注意事項

如果忘記了網上銀行密碼,應及時到分行辦理密碼重置

風險聲明及提示

  1. 投資涉及風險,證券及結構性產品價格有時會大幅波動,價格可升亦可跌,更可變得毫無價值。
  2. 投資未必一定能夠賺取利潤,反而可能會招致損失,往績數字並非未來表現的指標。
  3. 藉存放抵押品而為交易取得融資虧損風險可能極大, 您所蒙受的虧蝕可能會超過您存放於有關交易商或證券保證金融資人作為抵押品的現金及任何其他資產。您可能會在短時間內被要求存入額外的保證金款項或繳付利息。假如您未能在指定的時間內支付所需的保證金款項或利息,您的抵押品可能會在未經您的同意下被出售。此外,您將要為您的賬戶內因此而出現的任何短欠數額及需繳付的利息負責。
  4. 投資前應先閱讀有關產品發售文件、財務報表及相關的風險聲明,並應就本身的財務、其他狀況及需要、詳細考慮並決定該投資是否切合本身特定的投資需要。
  5. 若有需要更應諮詢獨立之法律、財務、財務及其他專業意見,方可作出有關投資決定。
  6. 密碼必須保密及安全, 及定時更改私人密碼。
  7. 請妥善保管客戶資訊及密碼,密碼丟失有可能造成帳戶資訊洩露和資金被盜的風險。

Anytime, anywhere

With ICBC (Asia) Internet Banking service ("Internet Banking"), you are able to access our comprehensive range of financial and investment solutions through Internet anytime, anywhere. Moreover, you can enjoy more with various exclusive offers.
Now, you can take more advantage of comprehensive banking services through our Internet Banking. With the enhanced security technology, you can rest assured to manage your personal financial and investment with peace!

Bonus Offers for Internet Banking
ItemsVia Internet BankingVia BranchesInternet Banking Bonus Offers
Investments Services*Brokerage CommissionPrivate Banking/ "Elite Club" Account
0.125%
General Customers1
0.25%
General Customers
save 0.1%of the brokerage fee
"e-Age Banking" Account
0.138%
General Customers
0.15%
Promotion Period: 1  January 2020 to 30 June 2020 (both dates inclusive)
(1)Eligible New Customers can enjoy unlimited $0 Commission privilege for buying securities via internet banking or mobile banking or 「ICBC Securities」APP in the first 3 months after securities accounts opening during the Promotion Period. There is no limitation on transaction amount and number of trades. (2)Eligible New Customers successfully completed securities selling transaction of HKD 50,000 or above via the electronic channels (Only applicable to internet banking, mobile banking and “ICBC Securities” APP) can enjoy HK$80 cash rebate. Each Eligible New Customer can enjoy maximum cash rebate twice only and maximum cash rebate amount is HK$160.(3)After successfully opened a new securities account during the promotion period, customers can enjoy “Flexi Plus” deposit preferential interest rate up to 2.08% for six months starting from the second month after the securities account opening month.(4)Eligible New Securities Margin Account Customers will enjoy the privileged interest rate of P-2.3% within the first 6 months after the account opening during the Promotion Period  (5)Eligible New Customers successfully deposited eligible securities in to the securities account via the Central Clearing and Settlement System (CCASS) during the Promotion Period can enjoy the cash reward of HKD200 for every HKD200,000 accumulated market value of stocks deposited. The maximum cash reward is HKD6,000 for each Eligible Elite Club Banking Customer.
(The offers are subject to the relevant terms and conditions. For details, please refer to the terms and conditions)
To borrow or not to borrow? Borrow only if you can repay!               
Free Online Real Time QuotePrivate Banking
unlimited
Only Available onlinePrivate Banking  
unlimited
"Elite Club" Account
500 free online real time quotes per month
"Elite Club" Account
500 free online
real time quotes per month
"e-Age Banking" Account
400 free online
real time quotes per month
"e-Age Banking" Account
400 free online
real time quotes per month
General Customers
300 free online
real time quotes per month
General Customers
300 free online
real time quotes per month
Remittance ServicesOutward Payment To
Other Local Banks By CHATS
HK$50As low as HK$1502               At least save
HK$100
Telegraphic Transfer
(Remittance To Branches of non-ICBC Group)
HK$100As low as HK$1502               At least save
HK$50
Telegraphic Transfer(Remittance To Branches of non-ICBC Group)HK$140As low as HK$2002               At least save
HK$60
ICBC Express(Express HKD & USD Payment Remit To Branches of ICBC Group) )HK$80As low as HK$1502               At least save
HK$70
Telegraphic Transfer To Mainland China(Remittance In RMB To Branches of ICBC Group)HK$100As low as HK$1502               At least save
HK$50
Telegraphic Transfer To Mainland China(Remittance In RMB To Branches of non-ICBC Group)HK$140As low as HK$2002               At least save
HK$60
Insurance ServicesDomestic Helper
Insurance Package
Compensation Insurance
(Part-time Domestic Helper)
Accident Emergency
Medical Insurance
Student Personal
Accident Insurance
Personal Accident Insurance
Golfer's Insurance Package
10%General Customers3               General Customers save
10%of the premium

Remarks:

  1. The table above sets out the brokerage commission for transaction amount per trade below HK$300,000 via branches. The bonus offered by branches will be different in accordance with the types of customer and transaction amount. Customers can visit our branch for the details.
  2. This is the basic charge for refenence only. The actual charge of remittance services via branches will be different due to the need of other remittance-related services. Customers can visit our branch for the details.
  3. The premium discount offer of general insurance provided by branches will be different in accordance with the types of customer. Customers can visit our branch for the details.
Advantages of Internet Banking   

(1)Comprehensive features
We have more than 100 features including remittance, investment, currency exchange, loan applications, bill payment, insurance, credit cards, market information, information tips, account management and many other features. Each of the main features have sub-features and they can fully meet your financial needs.

(2) ICBC Remittance at a Glance
ICBC Remittance service is tailored for customers with ICBC accounts in Mainland China ("ICBC Account"). This service does not only allow customer to remit funds to ICBC Account, but also transfer funds within our bank, to other HK and overseas banks. You can also pre-register the ICBC Account as beneficiary account.

(3) Proficient in Investment Service
You can enjoy our online Securities Trading services to catch each investment opportunity with our stock quotes, price alert and market information. You can also online open an investment account to conduct the stock trading, monthly stock saving plan, investment funds, e-IPO, bonds trading and purchase of Certificate of Deposit (IPO).

(4) Global Account Management
You can submit the remittance application 24 hours a day through our Internet Banking. Together with our network of over 27 overseas branches in U.S., UK, Japan, Singapore and Malaysia etc., these is no time and geographical boundary for your financial management worldwide.

(5)  ICBC Account EasyAccess
Your ICBC account in China could be connected with the Internet Banking. Just a simple log in, you can access the account balance, same day transaction details and historical transaction details of your ICBC account in China. You can just stay in Hong Kong to manage your accounts of two different geographical areas with ease.

(6)Online Insurance- Peace of Mind!
Internet Banking offers a variety of insurance plans, including Travel Insurance, Domestic Helper Insurance, Part-Time Domestic Helper Insurance, Domestic Care Insurance, Accident Emergency Medical Insurance, Student Personal Accident Insurance, Personal Accident Insurance and Golferˇs Insurance. You can also enjoy discount through online submission.

(7) Enjoy Exclusive Offers
You can enjoy more than 10 special offers through our Internet Banking. In particular, submission of outward remittance to worldwide branches of ICBC is more preferential than that to other overseas bank. Fund transfer to other local banks through electronic clearing service is even free of charge. We will keep introducing more and more benefits to our Internet Banking customers from time to time.

Features of Internet Banking   

(1) Account Enquiry
You can enquire the balance and the latest transaction details for the previous 180 days of all your HKD, RMB and multi-currency accounts. You can also download the information for easy reference.

(2) Investment Tools
You can set the unit price within 200 spreads from the nominal bid/ask price. Your brokerage fee will be further saved by enjoying our combined orders of your buying or selling same stock twice or more on the same day. Your transaction will be completed immediately with the support of our third generation of the Automatic Order Matching and Execution System (AMS/3).

(3) Online Account Opening
Now you can online open the ICBC (Asia) accounts anytime, anywhere. You can open up to 9 types of accounts through our Internet Banking. They are Savings, Current, Time deposit, Securities, Investment Funds, Bonds and Structured Products accounts.

(4)  "ICBC (Asia) Messaging" Service
"ICBC (Asia) Messaging" Service is an information alert service that allows you to grasp your accountˇs status more efficiently and more comprehensively. You can flexibly set up SMS and Email Alerts for your account information. The SMS and Email will be sent immediately when there is movement in your account, including inward/outward payment, cheque deposit/return and due repayment etc.

(5) Autopay - Standing Instruction Request
You can pre-set the standing instructions automatically on weekly, monthly or even yearly basis through the Internet Banking. The implementation of the instruction and the date of execution would be processed by the system automatically. Your regular financial needs can be handled at ease.

(6) Transaction Templates
You can set your instructions for every transfers by fund transfer, remittances, CHATS, electronic clearing, bill payment and multi currency exchange for the coming 90 days in advance. You can also create and re-use the templates for these regular transactions so that you can speed up the similar transactions on near future.

Internet Banking Security Tips   

(1) Two-factor Authentication to Strengthen Security
The Two-factor authentication uses a combination of 2 different factors for verifying a userˇs identity:

Advantage of Two-factor Authentication:
Your transaction is highly protected because the fraudsters cannot steal your physically possessed tools (such as your password token) over the Internet. All of the high-risk Internet Banking transactions, such as fund transfers to non-designated accounts, are protected by this additional authentication tool physically held by yourself. By just a few simple steps, you can enjoy this enhanced security level of online transactions.

(2) How to use Two-factor Authentication
Press the password token to get the one-time password. When you conduct a high risk transaction, you should use the password from password token. Then you can type the one-time password to confirm your transaction.Click here to read the manual of Password Token

(3)Security Tips
After you have finished all online transactions, you must remember to click "Logout" to exit from the Internet Banking system to avoid any information leaking. Please safeguard your password token because it is an important tool for two-factor authentication. Do not access Internet Banking through hyperlinks embedded in e-mails. Please be aware that we will never request or ask you for account number, PIN or any personal information through e-mails. To enhance your Internet Banking account safety, the Internet Banking service will be suspended immediately if it is attempted with invalid PIN for 4 times consecutively. In this case, you can visit any of our branches for regeneration of new password.See more about Security Tips and Two-factor authentication

(4)  Review of Registered Third Party Accounts
Before your registration of third party's account(s) which is of high risk categories (e.g. money service operator or agent that provides services or products that can be easily converted to money such as remittance agent, money changer, jewellery companies, casino, finance/loans related service such as stock agents, credit card merchants) for fund transfer, please consider carefully and read the Bank's online security tips. Please be aware of the potential risk of registering third-party accounts of some institutions which may be used for retrieving funds or transferring funds to another non-designated beneficiary.

Login to ICBC(Asia) Internet Banking   

Please go to http://www.icbcasia.com,at left and click "Go". To access the Internet Banking, please enter your Internet Banking A/C No./ Defined User Name and Internet Banking Login PIN. If it is the first time to login our Internet Banking, please read and accept the Terms and Conditions, then change your Login PIN. The DNS of Internet banking is icbc.com.cn

ICBC(Asia) Internet Banking Account Opening Procedure   

1. If you have not become our customer:
(1) Local customer -please bring your "Identity documents such as HK Identity Card" and"Latest address proof issued within 3 months"
(2)  Mainland customer -please bring your "PRC Identity Card "plusMultiple journey "Tanqin"" or"PRC Passport (if any)"
Go to our branchto open a HKD account and register our Internet Banking services, which will be effective on the same day.

2. If you are our bank customer with :ATM Card, Phone Banking account or Credit Card, you can operate your bank accounts through Internet Banking by simply completing several steps for online registration. Please access our Internet Banking login page and click to become our Personal Internet Banking customer to enjoy the convenience of Internet Banking service. For details, pleaseClick here   

Service Applicable to

Personal customers

Account Opening Conditions

Personal customers can open ICBC (Asia) Internet Banking Services with any of your savings/current account or credit card.

Steps for Registration

Please refer to ICBC (Asia) Internet Banking Account Opening Procedure.

Service Hour&Channel

Internet banking enquiry function provides 24-hour service. Please refer to transaction tips in the internet banking for the services hours of other functions.

Daily Maximum Limit of Funds Transfer

The daily maximum limit of funds transfer, are as follows:
   

Transaction TypePersonal Account (Maximum limit)
Same Party Pre-registered Account Transfer
(Including purchase of Cashier's Order and Demand Draft to be collected by account holder at designated branch)
Unlimite
Pre-registered Third Party Account Transfer
(Including transfer within our bank accounts and transfer to other bank accounts)
Total daily limit:
Application via branch: HKD500,000 a e
Application via Internet Banking: HKD400,000 a e
Customer can further define the individual transfer limit per Pre-registered account upon application.

-  For CNY Telegraphic transfer, the maximum total daily limit is CNY80,000 per customer which is only applicable for Personal Account at the moment.      
Please note that CNY transfer has to meet the regulatory requirements for the beneficiary bank country. If not, it may cause a refund and leads to other charges.
Non-registered Third Party Account Transferb
(Including transfer within our bank accounts and transfer to other bank accounts)
For Two-Factor Authentication users:
Application via branch: HKD100,000 c
Application via Internet Banking: HKD80,000

Zero amount for Non Two-Factor Authentication users .
General Bill Payment
(Including all bill payments, credit card payments and donations)
HKD100,000 a e               
Tax PaymentHKD500,000 a e               
White Form eIPO Online PaymentHKD4,000,000 a               
Small-Value Fund Transfer (accumulated for two days)de               Application via branch: HKD3,000
Application via Internet Banking: HKD3,000
Currency Exchange
Between HKD and USD
HK500,000,000 or its equivalent
Currency Exchange
Between HKD and AUD, CAD, CHF, EUR, GBP, JPY, NZD
HKD50,000,000 or its equivalent
Currency Exchange
Between HKD and SGD
HKD50,000,000 and its equivalent
Currency Exchange
Between HKD and RMB
RMB20,000 and its equivalent

a. Customer can define the transfer limit upon application, and the customer can also adjust the transfer limit via Internet (Password token will be required for increasing the transfer limit).
b. Applicable to Small-Value Fund Transfer.
c. Please note that this limit will be reset to “Zero” if you have not performed a fund transfer to a non-registered 3rd party account via Internet Banking for 12 months. To reset the related transfer limit, you may submit your request via token or visit any of our branches.
d.Small-value Fund Transfer service allows you to sutmit a transaction instruction to non-registered third accounts without token authentication within two consecutive days(on the day of and the day before you submit your request).
e. The limits are shared between Intenet Banking and Mobile Banking.
   

Descriptive Information

Important Notice

If you forget your internet banking password, you can reset it via any ICBC (Asia) Branch.

Risk Disclosure and Reminder

  1. Investment involves risk and the prices of securities and derivatives products fluctuate. The prices of securities may move up or down, sometimes dramatically, and may become valueless.
  2. It is as likely that loss will be incurred rather than profit made as result of buying and selling investment. Past result should not be taken as indication of future performance.
  3. The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account.
  4. Before making investment decision, you should thoroughly study the offering documents; the financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances and financial position to ensure the investment are suitable for your particular investment needs.
  5. You shall seek independent professional advice on legal, tax, financial and other issues in connection with the investment if necessary.
  6. Keep your password secure and secret at all times, and change your password periodically.
  7. Please safeguard your password, or you may suffer loss of personal information or assets.

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