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Frequently Asked Questions

About The Service

 

What are the services available?
How much does Online Banking / Mobile Banking cost?
Are the services available 24 hours?
Can I access China Construction Bank (Asia) Online Banking / Mobile Banking from overseas?
How can I transfer money to my CCB (Asia) account from different channels?
What is the limit on the amount of my daily local Funds Transfer transactions?
Is there any cut-off time for Funds Transfer Service to other local banks?
To transfer funds to other local bank accounts through Online Banking, how long does it take for the recipient bank account to receive the money?
Which banks are applicable for Express Transfer service?
Which banks are applicable for eTransfer service?
What should I do if I delete my registered overseas account by mistake?
Can I modify my registered overseas account online?
What do I need to start using the services?
How can I sign up for the services ?
When can I start using the services ?

About Security Token

What is a Security Token?
What is a Security Code?
What is a Serial Number?
How to apply for a Security Token?
When do I need to use Security Token?
What transactions require a Security Code for authentication?
What should I do after receiving a Security Token?
How to activate a Security Token? Can I use it immediately after activation?
How to turn on a 2nd Generation Security Token?
As I just needed to input Security Code for transaction signing in the past. Why am I being requested to input both the Security Code and Serial Number now?
I have input a Security Code into Online Banking, but it cannot be verified. What happened?
What should I do if my Security Token is locked?
I encountered an error message asking me to enter the next Security Code displayed following the one I have just entered. Why do I need to enter the Security Code for 2 times?
Why does the Security Code disappear after displaying on the 2nd Security Token for a while?
Is the Security Token service free-of-charge?
Can I use the Security Token when I am aboard?
Will the Security Token expire?
What should I do if I lose or damage my Security Token?
Which address does the Security Token post to? How can I update my mailing address?
How to terminate my Security Token service?

About The eAlert Service

What is eAlert?
Who is eligible for using eAlert Services?
What is the benefit of using eAlert Services?
Is there a charge for using eAlert Services?
How to setup the eAlert?
Where can I change my e-mail address or mobile phone number?
When will I receive eAlert?
Does my mobile phone service provider charge on receiving eAlerts via SMS?
What is ATM Cash Withdrawal Alert?
What is Scheduled/ Recurrent Funds Transfer Alert?
What is Unregistered Third Party Account Funds Transfer Alert?
What is Time Deposit Maturity Alert?
What is Bill Payment Alert?
What is Loan Repayment Alert
What is Temporary Overdraft Alert?
What is Inward Remittance Alert?
What is Outward Remittance to Unregistered Account Alert?
What is Returned Check Alert?
What is eStatement Alert?
What is Low Maintenance Balance Alert?
What is EPS/ China UnionPay Payment Alert?
What is Dormant Account Alert?
What is mutual fund Price Alert?
What is Stock Price Alert?
What is Stock Order Confirmation Alert?
What is eIPO Alert?
What is Gold Order Confirmation Alert?
What is Gold Price Alert?
What is Birthday Reminder?
What is Anniversary Reminder?
What is Appointment Reminder
What is Payment Reminder?

About e-Cheque Service

What is e-Cheque?
What is e-Cheque Drop Box service?
How can I deposit an e-Cheque to my CCB(Asia) account through the e-Cheque Drop Box service?
What is the cut-off time for e-Cheque deposit?

About The Use Of Service

Can I reverse a transaction should I change my mind?
How do I print in Online Banking?
What if I forget my Password ?
What should I do if I do not get a response after clicking on a hyperlink or icon?
If my computer crashes or I get disconnected from the Internet halfway through, how would I know if my transactions have been effected ?
Will the system sign off when it reaches the time-out limit, even though I have not completed the transactions?
Who can I approach for assistance regarding Online Banking / Mobile Banking?

About Security

What is Encryption/ Cryptography?
What does SSL mean?
What is cache? Why should I clear it?
What is the strength of encryption on Online Banking site?
How secure is China Construction Bank (Asia) Online Banking?
What steps should I take to make web banking as secure as possible?
What can be done if I suspect unauthorized access to my account ?

About Internet Threats

What is fraudulent website?
What is Phishing?
What is Trojan Horse?
What is Spyware?
What is Nigerian email?
What is Internet Auction Scam?
What can be done if I doubt I have encountered fraudulent website or received scam email?

About The Service

 

What are the services available?


Currently you can:

Account Services

Keep track of account balances and transactions for
Savings
Checking
Multi-currency Savings
Time Deposits
Callable Deposits
FX Linked Deposits
Loans
Securities Trading
Mutual Fund
Gold Trading
FX Margin Trading
Structured Equity-linked Investment
Structured Note
Bond
Open additional deposit accounts:
HKD Statement Savings Account
HKD Checking Account
USD Checking Account
Multi-currency Savings Account
RMB Statement Savings Account
Transfer funds to self or third party (registered or unregistered) accounts# within CCB(Asia)
The maximum daily transfer limit* for registered account is HKD500,000 or equivalent and that for unregistered account# is HKD50,000 or equivalent
Lower funds transfer limits
Rename registered accounts
Transfer funds to other banks’ (registered or unregistered) accounts# in Hong Kong
The maximum daily transfer limit* for registered account is HKD500,000 or equivalent and that for unregistered account# is HKD50,000 or equivalent
Preset transfer instructions up to 45 business days
Preset weekly/monthly recurrent transfer instructions up to 2 years
Transfer funds to (registered or unregistered) overseas accounts#
A choice of 7 foreign currencies including USD, JPY, EUR, CAD, AUD, GBP or RMB
Transfer to overseas
Daily online overseas Funds Transfer limit is HKD 50,000 or equivalent
Buy/sell foreign currencies
Place new or renew existing Time Deposits
Prime-Linked Savings openings
Request statements and checkbooks and even stop checks
# Registration at branches is required
* This limit is shared between Funds Transfer within CCB(Asia) and other local banks.
Security Token is required

Bill Payment Services
Pay bills
Preset bill payment instructions up to 45 working days
Personalize your payee list
Loans Services
Request loan repayment schedule
Obtain loan application preliminary approval
Insurance Services
Apply Travel Insurance, Domestic Helper Insurance, Home Contents Insurance and Personal Accident Insurance
Obtain insurance application preliminary approval
Investment Services
Trade mutual fund and securities
Keep track of mutual fund portfolio, securities portfolio and FX margin portfolio
Access to free real-time stock quotes and stock chart
Personalize stock watch lists to monitor stock price performance, and preset profit-taking and stop-loss target price
Access to Technical Analysis Tools, Risk Profile Analysis Tools and Investment Calculators
View Mutual Fund Guide and professional commentary papers
Subscribe newly-listed stocks from Initial Public Offerings (IPO)
Rate Enquiry Services
Inquire deposit rate, exchange rate and loan rate

eStatement Service
eStatement for Banking Account(s)

eStatement for Credit Card(s)

eStatement for Securities Trading Account(s)

Other Services
eAlert

Change Transfer Limit, Registered Account, Change Personal Information and Password

Statement, Checkbook and Loan Repayment Schedule Request

Access to Financial Calculators

 

How much does Online Banking / Mobile Banking cost ?


Online Banking / Mobile Banking gives you immediate access to your accounts. View, transfer money between accounts, and more -- all free of charge!

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Are the services available 24 hours?


Yes. You can have access to Online Banking / Mobile Banking anytime, any day of the week. It is 24 hours on the service for you. However, "Time Deposit Placement and Renewal", "Account Transfer", "Buy/Sell Foreign Currency", "Prime-Linked Savings" and "Local Funds Transfer" can only be processed during the following hours: (except Public Holidays)

Instant Time Deposit Placement Monday - Friday 10:00am - 6:00pm
Time Deposit Renewal Monday - Friday 10:00am - 5:00pm
Saturday 10:00am - 12:30pm
Funds Transfers within the Bank
(Between same currency)
Monday - Saturday Before 8:00pm
(except Public Holidays)
Fund Transfer Involving Foreign Exchange or Buy / Sell Foreign Currency Monday - Friday 9:00am - 12:00am
Saturday 9:00am – 1:00pm
(except Public Holidays)

For instructions entered and executed after 8:00pm Monday to Friday will be recorded as the transactions on the next business day

Funds Transfers to other local bank accounts Express Transfer:
Monday - Friday Before 4:30 pm
(except Saturdays & Public Holidays)

eTransfer:
Monday - Friday Before 2:30 pm
(except Saturdays & Public Holidays)
Funds Transfers to overseas accounts
(For all overseas funds transfer, except RMB)
Monday - Friday Before 3:00 pm
(except Saturdays & Public Holidays)
RMB overseas Funds Transfers Monday - Friday Before 2:30 pm
(except Saturdays & Public Holidays)
Prime-Linked Savings Opening Monday - Friday 10:00am - 5:00pm
Saturday 10:00am - 12:30pm

 

Can I access China Construction Bank (Asia) Online Banking / Mobile Banking from overseas ?


Just enter www.asia.ccb.com / m.asia.ccb.com select Hong Kong and then you can access your finances anywhere, anytime, all at your fingertip.

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How can I transfer money to my CCB (Asia) account from different channels?


You can transfer money to your CCB (Asia) account via different channels such as Clearing House Automated Transfer System (“CHATS”), eCheque or WeChat. You might be requested to provide CCB (Asia) Bank Code, Branch Code* and Account Number in the following format.


CCB (Asia) Bank Code is “009” (if required to be input)
Account Branch Code is 3 digits
Account Number is either 7 or 8 digits

For doing transfer via eCheque or WeChat, if the account branch code is 631 and account number is 7 digits (e.g. 9876543), you may input 6319876543 or if the account number is 8 digits (e.g. 10987654), you may input 63110987654.
For doing transfer via CHATS, you may need to input the account branch code and account number separately.
*You may refer to the bank statement for the account branch code

You are advised to take precautions against hackers, viruses, spyware or any other suspicious software when doing transaction(s) at a third party platform. Do not browse suspicious websites or click on the hyperlinks and attachments in suspicious emails or messages received through the e-communities such as WeChat.

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What is the limit on the amount of my daily local Funds Transfer transactions?


There is no limit imposed as long as the Funds Transfer is within your available accounts balance and is made internally (e.g. from your savings account to your checking account). If you choose to transfer funds between your account and that of a third party within the bank or any accounts at other local banks, the maximum daily transfer limit for registered accounts is HKD500,000 or equivalent and that for unregistered accounts is HKD50,000 or equivalent. These limits are shared with Bank By Phone and Online Banking.

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Is there any cut-off time for Funds Transfer Service to other local banks?


Yes. The cut-off time for Express Transfer is Monday to Friday before 4:30pm and the cut-off time for eTransfer is Monday to Friday before 2:30pm. Transaction submitted after cut off time will be processed in the next business day.

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To transfer funds to other local bank accounts through Online Banking, how long does it take for the recipient bank account to receive the money?


For Express Transfer, the value day is “same day” if instruction is submitted before cut-off time. For eTransfer, the value day is around 2-3 business days if instruction is submitted before cut-off time

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Which banks are applicable for Express Transfer service?


Please click here for the Express Transfer banks list.

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Which banks are applicable for eTransfer service?


Please click here for the eTransfer banks list.

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What should I do if I delete my registered overseas account by mistake?


You must visit our Branch to register the account again.

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Can I modify my registered overseas account online?


No. You have to visit our Branch to modify the account information.

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What do I need to start using the service?


You can sign in China Construction Bank (Asia) Online Banking immediately if you have the following:

A computer with a screen resolution of 1024x768 or above and Internet access
Best viewed with: Microsoft Internet Explorer 8, 9, 10 or 11; Firefox 32; Chrome 38; Safari 5
A personal account opened in any of the branches of China Construction Bank (Asia)
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How can I sign up for the services?


First, you will need a personal China Construction Bank (Asia) deposit account. If you currently do not have a China Construction Bank (Asia) account, you can open an account by visiting any of China Construction Bank (Asia) branches and sign up for the service.

If you already have a deposit account within the bank, then you can sign up online. It's as easy as that.

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When can I start using the services ?


Once you sign up for the service, you will receive a Username and Password from the Bank. After we have receive your acknowledgement receipt of the Username and Password, your account will be activated immediately and you can start enjoying the convenience of the service.

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About Security Token

 

What is a Security Token?


Security Token is an electronic device that generates a 6-digit Security Code. Each Security Token bears a unique serial number at its back. We have recently introduced a new generation of Security Token to enhance the security of Online Banking Services. Please refer to Security Token (2nd Generation) user's guide for details.

1st Generation Security Token 2nd Generation Security Token

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What is a Security Code?


A 6-digit Security Code will be displayed on the screen of the Security Token for your input to the screen of Online Banking platform.

1st Generation Security Token
The Security Code will be kept on changing in every 30 seconds.
2nd Generation Security Token
To generate a Security Code on your Security Token, simply press and hold theand followed by. The Security Code will be kept on changing in every 60 seconds.
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What is a Serial Number?


Serial Number is a unique number on the back of the Security Token that is linked to your Online Banking profile personally. This set of unique number can help identify your individual Security Token.

1st Generation Security Token
Serial Number is a 9-digit number printed at the back of the token.
2nd Generation Security Token
Serial Number is a 13-digit number printed at the back of the Security Token.
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How to apply for a Security Token?


For Personal Banking customer: Please visit our bank website and download the Service Application / Maintenance Form (F553H) and return the signed and completed form to any of our branches in person.

For Commercial Banking customer: Upon receipt of your application for the specific Online Banking service that required the use of Security Token, the Bank will mail a Security Token to you automatically.

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When to use Security Token?


When you are conducting designated Online Banking services, you would be prompted to enter a Security Code for verification. If the Security Code is correct, your transaction can be authenticated successfully.

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What transactions require a Security Code for authentication?


The transactions include:

Types of transaction Personal Banking Commercial Banking
Funds transfer to same name accounts held with CCB(Asia)  
Funds transfer to registered accounts  
Funds transfer to unregistered accounts
Setup eAlerts  
Employer Payroll Autopay Service  
Online Securities Trading  
Online Trade Services  
Time Deposit  
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What should I do after receiving a Security Token?


Upon receipt of the new Security Token, you are required to activate it immediately.

If you receive a new Security Token for replacement, once activated the new Security Token, the existing Security Token will be deactivated automatically. You may discard the deactivated Security Token yourself or consider returning it to any branches convenient to you. The Security Token will be collected and destroyed in a safely way.

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How to activate a Security Token? Can I use it immediately after activation?


Please follow the steps below to activate your new Security Token:

1. Log on to Online banking with your Username and Password;
2. Select “Activate my Security Token” on “Maintain my details” under “My Home”;
3. Input the required information on the screen for verification.


An activation confirmation will be displayed and you can use your Security Token right away. Please refer to Security Token (2nd Generation) user's guide for details.
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How to turn on a 2nd Generation Security Token?


Please follow the following steps to turn on your Security Token:

1. Press and hold the red button for 2 seconds until the “ – ” signal display on the screen;
2. Press the green “OK” button ;
3. A 6-digit Security Code will be displayed on the screen and the Security Token is ready for use.
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As I just needed to input Security Code for transaction signing in the past. Why am I being requested to input both the Security Code and Serial Number now?


Since a new Security Token has already been mailed to you for replacement, you will be asked for inputting also the Serial Number if you continue using your existing Security Token for transaction signing. Please note: Your existing Security Token will be deactivated once you activated your new Security Token, or 60 days after the new Security Token issuance. Please activate your new Security Token as soon as possible.

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I have input the Security Code into online banking, but it cannot be verified. What happened?


This may happen if you have entered an invalid Security Code. Please check the Security Code displayed on your Security Token and re-try for a valid Security Code to continue the verification. If you continue entering a wrong security code for 10 times, your Security Token will be locked automatically.

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What should I do if my Security Token is locked?


For Personal Banking customer: Online Banking will lock your Security Token automatically to protect your accounts from being tampered with if there is a continual input of a wrong Security Code. To unlock the Security Token, please visit our bank website to download the Service Application / Maintenance Form (F553H) and return the signed and completed form to any of our branches in person.

For Commercial Banking customer: You can call our Online Commercial Banking Service Hotline at (852) 2903 8382 or contact your account manager for assistance.

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I have encountered an error message asking me to enter the next Security Code displayed following the one I have just entered. Why do I need to enter the Security Code for 2 times?


This error message occurs when you have entered wrong Security Code for several times before you finally enter a correct one. You will be prompted to enter the consecutive correct Security Code for verification in this case.

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Why the Security Code displayed on the Security Token screen has disappeared after a while?


As a security measure for Security Token (2nd Generation), there is limited display time for each Security Code to display on the screen. If the Security Code disappears, simply turn on the Security Token again to generate a new Security Code.

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Is the Security Token free-of-charge?


Yes, you can enjoy the Security Token service for free. However, if the Security Token is lost or broken, a replacement fee will be charged. For details, please refer to our Schedule of Service Fees.

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Can I use the Security Token when I am aboard?


Yes, you can bring your Security Token along with you when traveling overseas and get access to our Online Banking services freely.

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Will the Security Token expire?


Yes, every Security Token has up to 4 years battery lifetime depending on the frequency of the usage. A new Security Token will be automatically sent to you for replacement before the battery runs out. No replacement fee will be charged.

If the battery of your Security Token has run out of battery before the replacement, you can bring it to any of our branches and apply for a new Security Token for free.

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What should I do if my Security Tokenor is lost or damage?


For Personal Banking customer: If your Security Token has been lost or damaged, you may apply for a new one by download the Service Application / Maintenance Form (F553H) and return the signed and completed form to any of our branches in person. A replacement fee will be charged for lost or damaged Security Token replacement. For details, please refer to our Schedule of Service Fees.

For Commercial Banking customer: You can call our Online Commercial Banking Service Hotline at (852) 2903 8382 or contact your account manager for assistance.

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Which address does the Security Token post to? How can I update my mailing address?


Your Security Token will be posted to the correspondence address that you have registered with us.

For Personal Banking customer: If you have any updates on the address, please visit our bank website and download the ‘Change of Address and / or Customer Information Request Form’ (F642)and return the signed and completed form to any of our branches in person.

For Commercial Banking customer: You can call our Online Commercial Banking Service Hotline at (852) 2903 8382 or contact your account manager for assistance.

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How to terminate the Security Token service?


You can visit any of our branches to terminate the service.

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About The eAlert Service



 

What is eAlert?


eAlert is one of the electronic banking services. Setting up the eAlert services via our Online 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?


All online personal 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?


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 sign in Online Banking and follow the following steps

Select "Customer Service"
Select "eAlert"
Select "Set up eAlert"
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Where can I change my e-mail address or mobile phone number?


You could update your latest e-mail address or mobile phone number anytime by going to "Chang Personal Information" under "Customer Service" page.

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When will I receive eAlert?


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?


Please check with your mobile phone service provider for details.

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ATM Cash Withdrawal Alert


What is this Alert?

This type of Alert reminds you any successfully cash withdrawal made from your selected account by any ATM at anywhere. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with Dual Currency Debit Card and ATM Remittance card.

When will this alert be sent out?

This alert will be sent out whenever cash was successfully withdrawn from your selected account by ATM.

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Scheduled/Recurrent Funds Transfer Alert


What is this Alert?

This alert notifies you when a scheduled/recurrent Funds Transfer set up via Online Banking is executed. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent once the scheduled/recurrent Funds Transfer has been processed.

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Unregistered Third Party Account Funds Transfer Alert


What is this Alert?

This alert notifies you when a Funds Transfer of any specified amount is made from your account to an unregistered third party account. Please click to see the demo.

Remarks: Customers are required to register the service for online Unregistered Third Party Account Funds Transfer at the branch and security token is needed for online transaction.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent when a Funds Transfer to an unregistered third party account has been made.

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Time Deposit Maturity Alert


What is this Alert?

This alert reminds you to renew any Time Deposit on maturity date. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with Time Deposit and its tenor is more than 7 days.

When will this alert be sent out?

This alert will be sent out 2 workings days in advance of the maturity date of your selected Time Deposit.

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Bill Payment Alert


What is this Alert?

This alert notifies you with specified status of any scheduled bill payments made. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out once the specified status of any scheduled bill payment made.

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Loan Repayment Alert


What is this Alert?

This alert reminds you on the first day of any overdue loan installment. However, a late charge is still applicable. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with Loan accounts.

When will this alert be sent out?

This alert will be sent out on the first date of loan overdue.

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Temporary Overdraft Alert


What is this Alert?

This alert reminds you when any of your accounts have been overdrawn. However, overdraft interest charge is still applicable. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with checking accounts.

When will this alert be sent out?

This alert will be sent out on the first date after the account has been overdrawn.

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Inward Remittance Alert


What is this Alert?

This alert notifies you when an inward remittance of any specified amount to your account. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out during the day of any remittance credited to your account.

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Outward Remittance to Unregistered Account Alert


What is this Alert?

This alert notifies you when an instruction of outward remittance from your account to an unregistered account is received. Please click to see the demo.

Remarks: Customers are required to register the service for online Outward Remittance to Unregistered Account at the branch and security token is needed for online transaction.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out when an outward remittance instruction to an unregistered account is received.

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Returned Check Alert


What is this Alert?

This alert reminds you any self-issued check returned due to insufficient funds. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with checking accounts.

When will this alert be sent out?

This alert will be sent out during the day of any self-issued check returned due to insufficient funds.

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eStatement Alert


What is this Alert?

This alert will send an email notification to remind you when your latest eStatement is ready for access on our Online Banking service.

Who is eligible to this alert?

Any Online Banking customers registered to eStatment Service with valid email address in record.

When will this alert be sent out?

This alert will be sent out by email notification on the first date after the eStatement is ready on Online Banking.

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Low Maintenance Balance Alert


What is this Alert?

This alert reminds you when your available balance falls below the required amount for maintenance of "Premier Banking" or "Value Plus" accounts. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with either Premier Banking or Value Plus account.

When will this alert 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.

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Dormant Account Alert


What is this Alert?

This alert reminds you when your "Premier Banking" or "Value Plus" account will soon be changed to a dormant account status. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with either Premier Banking or Value Plus account.

When will this alert be sent out?

This alert will be sent out 5 working days prior to the change of account status.

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EPS / China Unionpay Payment Alert


What is this Alert?

This alert notifies you whenever a successful payment transaction is made via EPS or China UnionPay payment network. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with ATM card or RMB card.

When will this alert be sent out?

This alert will be once the payment request is accepted by EPS or China UnionPay.

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Mutual Funds Price Alert


What is this Alert?

This alert notifies you when the selected fund price hits the preset price. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers.

When will this alert be sent out?

This alert will be sent out on the next day when the market price hits the preset mutual fund price.

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Stock Price Alert


What is this Alert?

This alert notifies you when the market price of the selected stock hits the preset price range. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with Securities Trading accounts.

When will this alert be sent out?

This alert will be sent out during the trading hours when the market price hits the preset price range.

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Stock Order Confirmation Alert


What is this Alert?

This alert notifies you when the trade orders are fully or partially completed, rejected or cancelled during the trading day.

Who is eligible to this alert?

Any Online Banking customers with Securities Trading accounts.

When will this alert 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.

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eIPO Alert


What is this Alert?

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. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out whenever our Bank provides eIPO Service.

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Gold Order Confirmation Alert


What is this Alert?

This alert notifies you when the trade orders are completed successfully during the trading day.

Who is eligible to this alert?

Any Online Banking customers with Gold Trading accounts.

When will this alert be sent out?

The alert will be sent out when orders are completed successfully.

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Gold Price Alert


What is this Alert?

This alert notifies you when the Bank's quoted gold reference price hits the preset price range. Please click to see the demo.

Who is eligible to this alert?

Any Online Banking customers with Gold Trading accounts.

When will this alert be sent out?

This alert will be sent out during the trading hours when the reference price hits the preset price range.

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Birthday Reminder


What is this Alert?

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. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out in the morning of every scheduled day.

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Anniversary Reminder


What is this Alert?

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. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out in the morning of every scheduled day.

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Appointment Reminder


What is this Alert?

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. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out in the morning of every scheduled day.

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Payment Reminder


What is this Alert?

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. Please click to see the demo.

Who is eligible to this alert?

All Online Banking customers.

When will this alert be sent out?

This alert will be sent out in the morning of every scheduled day.

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About e-Cheque Service

 

What is e-Cheque?


e-Cheque is an electronic counterpart of paper cheque. It turns the cheque writing and deposit processes totally online.

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What is e-Cheque Drop Box service?


e-Cheque Drop Box service means an electronic drop box provided by the Clearing House that accepts presentment of e-Cheques in respect of which an e-Cheque Drop Box user must register an e-Cheque Drop Box Account with the Clearing House before presenting e-Cheques to a Payee Bank Account.

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How can I deposit an e-Cheque to my CCB(Asia) account through the e-Cheque Drop Box service?


1. Log onto the e-Cheque Drop Box service throughHKICL website or mobile application*
2. Register CCB(Asia) and your account number with branch code for the e-Cheque deposit (in case it is not registered before)
3. Upload the e-Cheque(s)
4. Select CCB(Asia) and your bank account number from the pull down list for the e-Cheque deposit
5. Assuming that the bank-in information is correct, click “Proceed” button followed by “Confirm” button to complete the e-Cheque deposit
6. A notification email will be sent to your registered email address. You can also enquire the e-Cheque status through the “Presentment Enquiry” function of the e-Cheque Drop Box service

*A one-off user account registration is necessary before you can use the service.
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What is the cut-off time for e-Cheque deposit?


The cut-off time for e-Cheque deposit through the e-Cheque Drop Box service is 5:30p.m. of each business day for same day clearing.

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About the use of service

 

Can I reverse a transaction should I change my mind?


Should you change your mind before you confirm a transaction, you may still revoke the whole transaction. However, once you Confirm, the transaction will be effective.

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How do I print in Online Banking ?


Under normal circumstances, you can select printing from the browser toolbar, either by clicking on the printer icon or select File, Print to proceed.

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What if I forget my Password?


If you forget your Password, you should call our Customer Service Hotline at (852) 277 95533 during operating hours or visit any of our Branches for assistance.
For credit card customers, please call our Credit Card Service Hotline at (852) 317 95533.

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What should I do if I do not get a response after clicking on a hyperlink or icon?


Sometimes, the Internet becomes unavoidably slow to respond. If there is a delay, please wait. Avoid clicking repeatedly on a particular link. Alternatively, you may Refresh the screen and try again.

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If my computer crashes or I get disconnected from the Internet halfway through, how would I know if my transactions have been effected ?


Don't panic. All you have to do is to re-log to check your account balance or re-initialize the transaction, if required. But if you do have any doubt or questions, simply call upon our 24-Hour Bank By Phone at (852) 277 95533 during operating hours to check the status.

You can be assured that any transaction for which you had received a transaction number will go through.

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Will the system sign off when it reaches the time-out limit, even though I have not completed the transactions?


As long as there is activity, you will not be logged out. One of our security features is that you will be automatically signed off after 10 minutes of inactivity, to prevent unauthorized viewing of your account.

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Who can I approach for assistance regarding Online Banking / Mobile Banking?


You can dial (852) 277 95533 during operating hours for our personal bankers.

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About Security


 

What is Encryption/ Cryptography?


Cryptography creates a secure environment for the information being transferred between your browser and China Construction Bank (Asia). Put simply, secure data such as your Username and Password are scrambled in our encryption/cryptography process and will not be easily seen by unauthorized persons.

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What does SSL mean?


SSL stands for "Secure Socket Layer." This technology allows users to establish sessions with Internet sites which are secure, and have minimal risk of external violation. Once inside the China Construction Bank (Asia) Online Banking site, you are secure through our use of SSL technology.

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What is cache? Why should I clear it?


Cache is the process your browser uses to store pages on your hard disk as you view them. This enables quick access to often-used pages. Please periodically clear your cache memory in your browser. Use your browser Help option to find out how to clear your cache.

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What is the strength of encryption on Online Banking site?


The effectiveness for encryption is measured in terms of how long the key is -- the longer the key, the longer it would take for unauthorized person to break the code. This is measured in bits, a 40-bit encryption which is the level of encryption used with many ordinary browsers, has 2^40 possible different combinations, versus a 128-bit encryption which is the level of encryption required to use China Construction Bank (Asia) Online Banking and has 2^128 possible different combinations. Hence, encryption offers our customers strengthened security.

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How secure is China Construction Bank (Asia) Online Banking?


China Construction Bank (Asia) Online Banking utilizes advanced Internet technologies, which is used by financial service providers worldwide. These technologies are designed to protect your account information throughout the entire Online Banking process.

Username and Password
Only your valid Username and Password will allow you to sign in
Automatic Sign-off
If no action is taken for 10 minutes, your session with China Construction Bank (Asia) Online Banking will be automatically terminated and you will be signed off
Security Upgrade
We are constantly evaluating the latest security technologies, and we upgrade our systems whenever relevant improvements become available
Constant Monitoring
We are always monitoring our systems to prevent any potential problems that could compromise security or privacy
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What steps should I take to make web banking as secure as possible?


You play a role in security

While China Construction Bank (Asia) works to protect your banking privacy, you also play a role in protecting your accounts. There are a number of steps you can take to ensure that your banking experience on the Internet is safe and secure.

Six ways to protect yourself

1. First and foremost, don't reveal your online Username or Password to anyone else. Your Username and Password are designed to protect the privacy of your banking information, but it will only work if you keep it to yourself. If you think your online Password has been compromised, change it immediately online.
2. For security reason, you are advised not to use your China Construction Bank (Asia) Online Banking / Mobile Banking Username & Password for any other internet banking accounts, on-line memberships or internet services.
3. Don't walk away from your computer if you are in the middle of a session.
4. Once you have finished conducting your banking on the Internet, always sign off before visiting other Internet sites.
5. If anyone else is likely to use your computer, clear your cache or turn off and re-initiate your browser in order to eliminate copies of web pages that have been stored in your hard drive. How you clear your cache will depend on the browser and version you have. This function is generally found in your preference menu.
6. Change your password regularly.

China Construction Bank (Asia) strongly recommends that you use a browser with 128-bit encryption to conduct secure financial transactions over the Internet.
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What can be done if I suspect unauthorized access to my account ?


Call our Bank By Phone at (852) 277 95533 during operating hours or visit any of our branches and report the matter immediately.

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About Internet Threats

 

What is fraudulent website?


Fraudulent websites are fake websites created by fraudsters that resemble respectable websites. Some fraudulent websites may even have a website address look like the genuine website addresses. On entering these fraudulent websites, personal and sensitive information keyed in will be captured by the fraudsters.

To safeguard against entering into fraudulent websites, make sure

You connect to the official China Construction Bank (Asia) site by entering or bookmarked our website address www.asia.ccb.com/ / m.asia.ccb.com in your internet browser
Before entering your Username and Password at Online Banking / Mobile Banking signin page, make sure a secure SSL connection is established between your PC and our Online Banking / Mobile Banking server by double clicking the closed padlock to display our digital certificate. Make sure the digital certificate is issued to "online.asia.ccb.com" by "www.verisign.com" or "Secure Server Certification Authority".
Do not access China Construction Bank (Asia) websites by hyperlinks from search engine or embedded in email
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What is Phishing?


Fraudsters send fake emails that appear to come from genuine organizations such as banks or financial institutions. These emails usually claimed it is necessary to update or confirm personal and/or account information, and urge the recipients to click a link on the emails that direct them to fraudulent websites. Information enter on these fraudulent websites will be captured by the fraudsters.

To safeguard against Phishing, make sure

Be aware China Construction Bank (Asia) will NEVER ask customers to confirm personal and sensitive data by emails.
Do not respond to any emails that request to confirm confidential banking information such as Username, Password, account number, ATM card number, etc
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What is Trojan Horse?


Trojan Horse is a malicious computer program that installed in your PC without your knowledge. Trojan horse executes at the background and performs uncovered activities such as capturing your Username and Password when you enter into an Internet banking website, and send the captured information to hackers secretly.

To safeguard against Trojan Horse, make sure

Install reputable anti-virus software and/or personal firewall, and remember to turn on real-time protection
Regularly download the latest signatures to update the anti-virus software
Do not access China Construction Bank (Asia) websites by hyperlinks from search engine or embedded in email
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What is Spyware?


Spyware is tracking software that installed onto your PC with or without your consent. This software will secretly gather your information and relay it to advertisers or some interested parties. The collected information may contain personal and sensitive information.

To safeguard against Spyware, make sure

Be careful when downloading freeware, read the user agreement carefully
Install anti-spyware and scan your PC regularly
Update the anti-spyware regularly
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What is Nigerian email?


Nigerian email usually ostensibly from a branch manager offering confidential business proposition. The email recipients only have to provide personal particulars and banking details in helping an illegal deal, and can share part of a huge amount. On further contact, scammer usually requests the recipients to remit a sum of money as administrative/service fees. After the payment, the recipients will never receive the shared sum.

Do not become a victim,

Beware of unsolicited emails offering URGENT business proposal in STRICTEST CONFIDENTIAL
Do not reply any email from unknown source
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What is Internet Auction Scam?


Internet auction fraud accounts for roughly half of the reported Internet fraud cases. The most common auction frauds are failure to ship merchandise and failure to pay. There are instances that after successfully auctioning, scammer will then send fake Transfer Order which purporting to be originated from financial institution. This fake email usually confirming the approval of payment, and the transfer amount will be credited to the buyer's account upon verification of shipment details. This urge buyer to ship the merchandise promptly, however, payment will never be received.

To safeguard against potential auction fraud,

Be aware China Construction Bank will not use WebMail account to conduct China Construction Bank business
Be cautious when WebMail account, such as @accountant.com, @consultant.com, is used as replying email address for financial institution
Be cautious when the auction is an "unbelievable deal".
Be cautious when dealing with individuals outside of your own country
Be cautious when buyer country is differ from shipment country
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What can be done if I doubt I have encountered fraudulent website or received scam email?


Please change you Online Banking / Mobile Banking Service Password immediately, and report the case to us by calling our Bank By Phone Services at (852) 277 95533 or visiting any of our branches.

Please email the relevant information on suspecting fraudulent website or scam email related to China Construction Bank (Asia) to us for immediate follow up.

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