China Construction Bank (Macau)

No maximum daily transfer limit on transfer to self-owned account.
The maximum daily transfer limit for transfer to third party account is HKD10,000 or its equivalent.

Buy/sell foreign currencies

Time Deposit placement and renewal

Request statements

Request check book

Request loan repayment schedule

Investment Services

Securities trading

Keep track of securities portfolio

Access to free real-time stock quotes

Preset profit-taking and stop-loss target price

Access to Investment Calculators

Rate Enquiry Services

Inquire deposit rate, exchange rate and loan rate

Other Services

Change Personal Information

Change Password

Access to Financial Calculators

Inquire product information and Branches information

How much does the Online Banking charge?

Online Banking is FREE to offer you services, such as account enquiries, Funds Transfer, buy/sell securities, and more.

Are the Online Banking services available 24 hours?

Yes. You can access to the Online Banking service around-the-clock. While the services of "Time Deposit Placement", "Time Deposit Renewal" and "Buy/Sell Foreign Currency" can only be processed during the following hours:

Time Deposit Placement & Buy/Sell Foreign Currency	Monday - Friday 10:00am - 6:00pm (except Public Holiday)
Time Deposit Renewal	Monday - Friday 10:00am - 5:00pm (except Public Holiday)

How much is the maximum daily transfer limit for the Funds Transfer transactions?

There is no limit imposed as long as the Funds Transfer is within your self-owned accounts (e.g. from your savings account to your checking account). If you choose to transfer funds from your account to a third party account with the China Construction Bank (Macau), the maximum daily transfer limit is HKD10,000 or its equivalent. This limit is shared by Bank By Phone and Online Banking services.

What do I need to start using the service?

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

A personal deposit account with China Construction Bank (Macau).
A Customer ID and Password for Online Banking service.
A computer, a modem, Internet access and a supported browser of Microsoft Internet Explorer 5.5 or above, Firefox 3.0 or above, Safari 3.0.4 or above.

How can I sign up for the services?

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

If you are an existing Bank By Phone customer, you can sign in the service with your Bank By Phone Customer ID and Password now.

When will the Online Banking service be ready for use after application?

When you sign up for our Online Banking service, the Bank will send you a notification letter of Customer ID and Password. Please sign and return the acknowledgement receipt enclosed with the Password advice as soon as possible. Once we receive your acknowledgement receipt, your account will be activated immediately and you can start enjoying the convenient service.

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 amd personal matters through email and/or Short Messaging Service(SMS).

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.

What is the benefit of using eAlert Services?

With China Construction Bank (Macau) eAlert services, you can:

Monitor every ATM withdrawal transaction, giving you greater peace of mind
Capture any investment opportunity
Manage your personal matters

Is there a charge for using eAlert Services?

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.

How to setup the eAlert?

To setup the eAlert, simply sign in Online Banking and follow the following steps

Select "eAlert Services"
Select "Set up eAlert"

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.

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.

Does my mobile phone service provider charge on receiving eAlerts via SMS?

Please check with your mobile phone service provider for details.

What is Cash Withdrawal Alert?

This type of alert reminds you any successfully cash withdrawal made from your selected account by any ATM at anywhere.

What is EPS Payment Alert?

This alert notifies you whenever a successful payment transaction is made via EPS payment network.

What is Stock Price Alert?

This type of Alert reminds you when the market price of the selected stock hits the preset price range.

What is Birthday Reminder?

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.

What is Anniversary Reminder?

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.

What is Appointment Reminder?

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.

What is Payment Reminder?

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.

About the use of service

Can I change or cancel an online instruction after submission?

You can change or cancel your instruction before confirmation. However, once you click the "Confirm" button on the confirmation page, the transaction will take effect and be irrevocable.

How can I print any page on the Online Banking?

Under normal circumstances, you can print the page(s) using your browser's functions. You can either click the printer icon on the toolbars or select "File" and "Print" in the menu bar.

What should I do if I've forgot my Password?

If you've forgot your Password, you should call Bank By Phone at 0800 555 during operating hours or visit any of our branches for assistance.

What should I do if there is no response after clicking on a hyperlink or an icon?

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

Whenever my computer is crashed or the Internet connection is interrupted at the moment I am placing an online instruction, how do I know whether the transaction is completed or not?

Whenever there is any system problems on the Online Banking or other supporting system, all transactions with reference number assigned would be processed anyway.

When you encounter system failure before receiving the reference number, you can sign in the Online Banking again to check your account balance and transaction history. If you find no record relating to your transaction, you may consider placing a new instruction.

If you do have any questions, please call our 24-Hour Bank By Phone at 0800 555 during operating hours.

Will the online session be automatically logged out when it reaches the time-out limit, even if the transaction has not been completed yet?

As long as there is no activity for 10 minutes, your online session will be logged out automatically for security purpose.

Why the Online Banking service sometimes responses slow?

The speed of internet service totally depends on the net traffic. As the Internet bandwidth is limited, the response will be slow when there are many users or activities.

Who can I approach for assistance regarding Online Banking?

You can call 0800 555 during operating hours to contact our personal bankers.

Service Hour
Monday to Friday	8:30am - 8:00pm
Saturday (except Public Holiday)	8:30am - 5:00pm

About Security

What is Encryption/Cryptography?

Encryption/Cryptography creates a secure environment for the information being transferred between your browser and China Construction Bank (Macau). Put simply, secure data such as your customer ID and Password are scrambled in our encryption/cryptography process to avoid disclosing your information by unauthorized persons.

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 you are in our China Construction Bank (Macau) Online Banking site, your information is secure through our use of SSL technology.

What is cache file? Why should I clear it?

Cache file is the file your browser uses to store the web pages in your hard disk as you view them. This enables quick access to often-used pages. Because the cache file will possibly store your personal information, please clear your cache memory in your browser periodically and frequently. You can use your browser's "Help" option to find out how to clear your cache files.

How to measure the effectiveness of encription on the Online Banking service?

The effectiveness for encryption is measured in terms of how long the key is -- the longer key means unauthorized person would take longer time to break the code. The unit of key is in "bit".

The 40-bit encryption is an encryption standard commonly used by many browsers, that is able to generate 2^40 possible combinations. While the China Construction Bank (Macau) Online Banking is using a 128-bit encryption. It can generate 2^128 possible combinations that provides strong security protection to our customers.

How secure is the China Construction Bank (Macau) Online Banking?

China Construction Bank (Macau) Online Banking utilizes advanced Internet technologies, which is used by most of the financial service providers worldwide.

These technologies are designed to protect your account information throughout the entire Online Banking process.

Customer ID and Password
Only your valid customer ID and Password will allow you to sign in the Online Banking Service.

Automatic Sign-off
If the online session is idle for 10 minutes, your Online Banking service will be automatically signed off.

Data encryption
All data transmission within the Online Banking section on our website is fully encrypted. China Construction Bank (Macau) employs world recognized data encryption technology to avoid decoding of transmission details by unauthorized parties.

Regular Security Upgrade
Our IT professionals frequently evaluate latest security technologies and upgrade our systems to maintain high standard of service security.

Constant Monitoring
We monitor our system closely to prevent any potential problems that would possibly impact the system security or performance.

How to bank online as secure as possible?

Six ways to protect yourself:

Never reveal your online customer ID or Password to anyone else. Please be reminded that your customer ID and Password are designed to protect your personal and banking information, and it will take effects only if you keep it to yourself. If you think your Password has been compromised, please change it immediately online.

For security reason, you are advised not to use your China Construction Bank (Macau) Online Banking Customer ID & Password for any other internet banking accounts, online memberships or Iinternet services.

Don't walk away from your computer if you are still in the online session.

Once you have finished your banking service on the Internet, please sign off immediately before visiting other Internet sites.

If anyone else is likely to use your computer, clear your cache file or close your browser to remove the stored web page copies in your hard drive. How you clear your cache file depends on the browser and version you have. This function can generally be found in your preference menu.

Change your password regularly.

China Construction Bank (Macau) strongly recommends you using a browser with 128-bit encryption to conduct secure financial transactions over the Internet.

What should I do if I suspect any unauthorized access to my account?

Call our Bank By Phone at 0800 555 during operating hours or visit any of our branches to report the matter immediately.

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 (Macau) site by entering or book marking our website address www.asia.ccb.com in your internet browser.

Before entering your Customer ID and Password at Online Banking sign in page, make sure a secure SSL connection is established between your PC and our Online Banking server. You can double clicking the closed padlock

to display our digital certificate. Make sure the digital certificate is issued to "online.asia.ccb.com" by "Secure Server Certification Authority".

Do not access China Construction Bank (Macau) websites by hyperlinks from search engine or links embedded in email.

What is Phishing?

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

To safeguard against Phishing, make sure

Be aware China Construction Bank (Macau) will NEVER ask customers to confirm personal and sensitive data by emails.

Do not respond to any emails that request confirmation of your confidential/banking information such as customer ID, Password, account number, ATM card number, etc.

Do not access China Construction Bank (Macau) websites by hyperlinks from search engine or links embedded in email.

What is Trojan Horse?

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

What is Spyware?

Spyware is a 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 related user agreement carefully.

Install anti-spyware and scan your PC regularly.

Update the anti-spyware regularly.

What is Nigerian email?

Usually, Nigerian email is ostensibly sent 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.

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 that China Construction Bank (Macau) will not use web mail account to conduct China Construction Bank (Macau) business.

Be cautious when web mail account, such as @accountant.com, @consultant.com, is used as reply email address for a financial institution.

Be cautious when the auction is an "unbelievable deal".

Be cautious when dealing with individuals outside your own country.

Be cautious when buyer's country is differ from the shipment country.

What should I do if I find any suspected fraudulent website or receive scam email?

Please change you Online Banking service Password immediately, and report the case to us by calling our Bank By Phone service at 0800 555 or visiting any of our branches.

Please eMail us for any relevant information on suspecting fraudulent website or scam email related to China Construction Bank (Macau) for our immediate investigation.