e-Account Service

Hassle-free account opening anytime, anywhere at your fingertips

Apply for an account through CCB (Asia) e-Account Service in just a few steps, simple and easy! No branch visit is needed, experience hassle-free account opening anytime, anywhere at your fingertips.



Account Opening Demonstration Video of e-Account Service

Transcript (PDF File)


  • Anytime Anywhere – Download the CCB(HK&MO) Mobile App and experience account opening services anytime and anywhere at your fingertips, without time or regional restriction and branch visit.

  • Speedy Application – With simplified application procedures, experience quick self-service account opening in just a few steps through your mobile device, you will receive initial application result within 1 day at the soonest and your account will be effective for use in 3 working days the soonest1.

  • Covers diversified banking services – Open Savings Account remotely with ease (includes: HKD Statement Savings Account/Multi-Currency Savings Account2/Time Deposit Account) or other related banking services (including UnionPay Dual Currency Debit Card and Value Added Payroll Service). Designated investment account3 can also be opened after the completion of address verification service.

  • Smart Digital Banking – Manage your finances with ease and convenience by applying for Online Banking Service and eStatement to better manage your accounts and banking services.

  • e-Account Service is now available to:
  • Customer who has not maintained any deposit accounts with the Bank (including new customers or our current credit card / loans customers); and

  • Hong Kong Resident who is aged 18 years or above; and

  • Valid Hong Kong Permanent or Non-Permanent Identity Card (HKID) holder (which is not the new smart HKID introduced on 26 November 2018); and

  • A tax resident of Hong Kong and non-U.S. person

  • Please refer to below Frequently Asked Questions for details. For other customers, please visit our branch for account opening.


Account Opening Steps

mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01
mobile interface 01

Download CCB (HK&MO) App from App Store / Google Play.

Select e-Account Service and start account application in the App. Read and agree to the relevant terms and conditions.

HKID Card Verification (Capture HKID card):

1. Place the HKID card on a clean, flat surface and make sure there is sufficient lighting.

2. Adjust the phone camera until the green bubble is centered at the HKID card.

3. Image of the HKID card will be taken twice: one without flash, one with flash.

Take a Selfie:

Place your phone at eye-level to ensure your face is within the circle with sufficient space around, then follow the random instructions for taking selfie.

Input Personal Data:

Follow instruction to input personal data*. You will receive One-time password via SMS and email separately. Please input the passwords respectively.


* For existing customers with incorrect personal information as recorded in the Bank, please contact us to update the relevant information.

Set up Online Banking:

Set up your username and password for Online Banking, then press “Confirm” to submit your application. You will then receive SMS and email notifications for your application number and result*.


* After successfully opening an account, the Bank will conduct a final review and your savings account will be available for deposit and withdrawal within 2-3 days.

Investment Account Opening*:

If you want to apply for an investment account, please click “Yes” for residential address verification. Letter of verification code will be mailed to your residential address.


* Investment involves risk, prices of investment product may go up as well as down, and may become valueless.

Verification:

Follow the instructions for address verification after receiving the code, then you can open an investment account.



Download Quick User Guide

FAQ

A. General Enquiry

  1. What is e-Account Service?

    e-Account Service is one of the function built in the CCB (HK&MO) Mobile App, you can open a deposit account (including HKD Statement Savings, Multi-Currency Statement Savings and Time Deposit), and other valued added services. The process is quick and simple, without visiting our branch and there are no time or boundary restrictions on account opening. For details, please refer to Terms and Conditions for e-Account Service.

  2. Am I eligible to set up deposit account(s) through e-Account Service via CCB (HK&MO) Mobile App?

    e-Account Service is now available to customer who has not maintained any deposit accounts with the Bank (including new customers or our current credit card / loans customers) and customers must be:

    • Hong Kong Resident and aged 18 years or above;
    • Valid Hong Kong Permanent or Non-Permanent Identity Card (HKID) holder (which is not the new smart HKID introduced on 26 November 2018). For Non-Permanent HKID holder, limited to holder with Nationality of Hong Kong China / China / Macao China / United Kingdom / Canada / Australia / New Zealand;
    • Personal customer (Except Private Banking and Commercial Banking customers);
    • A non-U.S. person (A U.S. person generally means a U.S. citizen or resident individual who holds an Alien Registration Card (or “green card”));
    • A tax resident of Hong Kong (if the customer is a tax resident of an additional jurisdiction, he/she is required to provide the Taxpayer Identification Number)

    For other customers, please visit our branches for account opening.

  3. What are the benefits for opening deposit account(s) through e-Account Service via CCB (HK&MO) Mobile App?

    Convenience: Without visiting our branch, you can open accounts anytime, anywhere
    Fast: Able to complete the application through e-Account Service in a short period of time

  4. How to open deposit account through e-Account Service?

    Simply download the latest version of CCB (HK&MO) Mobile App at the App Store or Google Play, tap “e-Account Service” on the homepage, then select “Start account application”.

    Please ensure your mobile device operates on iOS version 9.0 or above or Android version 6.0 or above; and is equipped with front and back cameras for identity verification.

  5. Are there any fees or charges for opening account through e-Account Service?

    There is no fee to open account through e-Account Service. For details of charges of other banking services, please refer to the Schedule of Service Fees for General Banking Services.

  6. Why does it fail to pass the identity verification of e-Account Service?

    There are a few conditions that may affect the identity verification results, which includes the environment where identity photo and selfies are taken and condition of the identity card.

    When taking photo of the identity card, please ensure that:

    • there is no stain on the HKID card
    • your HKID card is placed on a flat, clean surface (avoid choosing a background/surface similar to the colour of the HKID card);
    • your HKID card image is clear, non-reflective, in focus and not blurry;
    • the camera of your mobile is adjusted to position the bubble sign within the center of the HKID card image (a green bubble sign appears), and the image of the HKID card will be taken twice at different setting – one without flash and one with flash; and
    • reflective surface or dim environment or obscuring the light source by your body are avoided

    When taking selfies, you need to:

    • remove any accessories which may cover your face, including hat and sunglasses;
    • avoid unnecessary facial expressions;
    • place your mobile vertically, and look straight into the camera, ensure your face is placed at the center within the circle with sufficient space around
    • stay still and wait until the system successfully detects your face before making the gestures, follow the instructions for selfies, and the random instructions include blink, open mouth, nod and shake head side by side softly, the system will proceed to the next gesture when a successful gesture has been detected

    You can also bring along with your HKID to branch for account opening.

  7. What documents are required to upload for opening account? E.g. Address proof?

    For deposit account opening through e-Account Service, you are required to upload HKID and selfies photos only. If more document(s)/ information is/are required, we would invite you to visit our branch to complete the account opening process.

  8. Am I able to save or continue to finish the uncompleted application?

    Yes, you could save and continue the application after passing mobile number and email verifications. Please remember to click “Save and Next” button from personal information page onwards. You can continue the application within 30 days. However, if the application is not submitted within 30 days or you didn’t save your application or you quitted the application before the step of “Save and Next”, you would be required to fill in a new application.

  9. How to check the application status? When can I conduct transaction with the deposit account after I have submitted the application?

    Application verification period varies according to the documents and information submitted, you will receive your initial application result via email and SMS within 1 day at the soonest, Once you have received the successful application notification, the account(s) is/are ready but deposit and withdrawal functions are not available yet. Final verification would be conducted and is expected to complete within 2 to 3 working days, you will receive SMS notification on the status. The Bank has the absolute discretion to approve or reject the application during the final verification without giving any reason even the initial application result is passed.

  10. Can I continue with the pending application with the other mobile device?

    You can download CCB (HK&MO) Mobile App on the other mobile device, tap ‘e-Account Service’ and then choose ‘Continue Application’, where you could resume your pending application with the following information:

    • HKID Number: Including initial English character (in capital letter) and check digit (bracket is required), e.g. A123456(7)
    • One time password sent to your mobile number provided during the application last time
  11. I am a holder of CCB (Asia) Credit Card and how can I change my mobile number or address?

    If you want to update your registered mobile number or address(es), please visit any of our branches. e-Account Service does not accept non-Hong Kong mobile numbers and non-local residential address.

  12. Why can’t I receive the one-time password?

    The one-time password will be sent to the mobile number and email address registered with the Bank. For one-time password via email, please also check your “spam email folder”.

B. Online Banking and Security Tips

  1. If I am a holder of CCB (Asia) Credit Card and have registered for Online Banking Service, is it necessary to register a new Online Banking login?

    You can continue to use your existing Online Banking username and password.

  2. In case I forget my Online Banking username and/or password, what can I do?
    • Forgot Online Banking Username:
      You can click "Forgot Username" on the logon page of Online Banking, follow the instruction on the page for the identity verification and input a SMS one-time password, then you can view the username for your Online Banking after the successful verification.
    • Forgot Online Banking “Password”:
      Online Banking: You can click "Forgot Password" on the logon page of Online Banking, follow the instruction on the page for the identity verification and input a SMS one-time password, then you can input the new password for your Online Banking after the verification success.
      Mobile Banking: Go to the Mobile App, choose “Security Center” on the left menu, then choose “Forget Password”, enter your identity card number and related account information. A SMS one-time password will be sent to your mobile phone number registered with the Bank for verification. And then you can reset the password. 
  3. What are the security tips for using e-Account Service?
    • The Bank takes all reasonably practicable means to protect personal data. Encryption technology is employed for sensitive data transmission. For more details about our privacy policy on personal data handling, please read our Notice to Customers relating to the Personal Data (Privacy) Ordinance.
    • You should read the Bank’s Security Tips (visit our website) for Online Security from time to time to understand more about the measures you can take to enhance the security when using Online Banking Services.
    • You are recommended to take safeguard measures for your own protection when using the Online Banking, Mobile Banking and CCB (HK&MO) Mobile App.

C. Deposit Service

  1. What services are available for e-Account Service of CCB (HK&MO) Mobile App?

    You can open a Multi-Currency Statement Savings account, which is the combination of savings and foreign exchange functions, and allows you to perform foreign exchange at a preferential rate with Mobile Banking. This account offers 11 currencies including HKD, USD, RMB, GBP, CAD, AUD, NZD, JPY, CHF, EUR and SGD.

    You can also open a HKD Statement Savings account and a Time Deposit account. The deposit tenor of Time Deposit is up to 12 months, and foreign currency Time Deposit is also available in a wide range of currencies.

    Except for those written instructions or other service instructions which require handwritten signature (e.g. apply for cheque book or cash withdrawn over the counter), most of the services with the account are allowed. For application of other banking services, please also provide us with a specimen of your handwritten signature to set up the related services at branch.

  2. Is the deposit protected?

    Deposits in the account(s) are qualified for protection. China Construction Bank (Asia) Corporation Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by the Bank are qualified for protection under the Deposit Protection Scheme up to a limit of HK$500,000 per depositor.

  3. Can I enroll checking account service?

    Yes, you can visit our branch during office hour to open a checking account.

  4. Can I enroll payroll service and enjoy the applicable promotion offer?

    Yes, the relevant promotion offer is bound by the applicable terms and conditions.

  5. Can I enjoy the preferential rate for Time Deposit account?

    Upon account opening, you can set up a time deposit through Online Banking or Mobile Banking, deposit tenor is up to 12 months. Foreign currency time deposit is also available in a wide range of currencies. The preferential rate offered at branches is also applicable to Online Banking and Mobile Banking.

  6. How can I transfer funds to the deposit account set up through e-Account Service?

    The deposit and withdrawal functions of the account are available after the final verification of account (take around 2 to 3 working days). You can deposit funds into the account through cheque deposit over the counter or deposit into cheque drop-in box at our branches, or funds transfer with other local bank account / Clearing House Automated Transfer System (CHATS) or “FPS” (Faster Payment System), or cash deposit into the account.

  7. How can I transfer funds to my bank account in other bank or third parties?

    Once the final verification of the account is completed (take around 2 to 3 working days), the deposit and withdrawal functions of the account will be available, and you can perform transactions including funds deposit, transfer to account of other bank under the same name or third party’s name in Hong Kong.

D. ATM Service

  1. When can I receive the ATM card after account opening?

    An ATM card will be mailed to your residential address within 5-7 working days from account opening date. Customers could also request to collect at designated branch in the account opening application.

E. Investment Service (Mutual Fund, Securities Trading or FX Linked Deposit)

  1. How to open investment account and place transactions?

    After you have submitted the deposit account application, you can click ‘Continue’ to request for investment account opening, and then you could select ‘Address verification’. A one-time activation code printed on the address verification letter will be mailed to you. Please enter the code through CCB (HK&MO) Mobile App or Online Banking to complete your address verification and to proceed the investment account opening application flow.

  2. What is residential address verification?

    Address verification is required for opening investment account(s). A one-time activation code printed on the address verification letter will be mailed to your residential address. Please enter the code through e-Account Service to complete your address verification process.

  3. Why can’t I receive the residential address verification notification?

    If you haven’t received the address verification letter after 14 calendar days, please click “Resend verification letter” in CCB (HK&MO) Mobile App or Online Banking. The regeneration/resending of address verification code is not allowed in the next 14 calendar days.



Download CCB (HK&MO) Mobile App to apply for e-Account Service!

itunes app store

Search "CCB Asia" or "CCB HK&MO"
at the App Store

Android Google Play Store

Search "CCB Asia" or "CCB (HK&MO)"
at Google Play

qr code black

In order to minimize the risk when banking on-line, the Mobile App will not run on any devices which are "jailbroken" (iOS) or "rooted" (Android). The Bank shall not be responsible for any problems or loss suffered by you if you attempt to use the Mobile App on such devices.


To use e-Account Service, please ensure your mobile device operates on iOS version 9.0 or above or Android version 6.0 or above; and is equipped with front and back cameras for identity verification.





1 The final verification period varies according to the documents and information submitted by the application. And the Bank has the absolute discretion to approve or reject the application without giving any reason.


Important Notes:

2 Foreign currency involves risk.

3 Investment involves risk, prices of investment product may go up as well as down, and may become valueless.


Warm reminders:

• The Bank takes all reasonably practicable means to protect the data. Encryption technology is employed for sensitive data transmission. For more details about our privacy policy on personal data handling, please read our Notice to Customers relating to the Personal Data (Privacy) Ordinance.

• Customer should read the Bank’s Security Tips for Online Security to improve your security from time to time to understand more about the measures you can take to enhance the security when using Online Banking Services. And it is recommended to take safeguard measures for your own protection when using the Online Banking, Mobile Banking Service and CCB (HK&MO) Mobile App.