• E-CNY means the digital form of fiat currency issued by the People's Bank of China, having the same value as physical RMB.
• E-CNY Wallet means the wallet opened by the customer in his name with an Authorised Operator as the carrier of e-CNY and the medium that reaches out to the customer.
• E-CNY App is the official service platform for the trial program of the digital version of fiat currency issued by the People's Bank of China. The app is open to individual users, provides wallet opening and management services, and facilitates the exchange and circulation of e-CNY.
• For details, please refer to the website of the People's Bank of China at www.pbc.gov.cn

Customers of China Construction Bank (Asia) ("CCB(Asia)" / "the Bank") can use their Hong Kong mobile phone numbers to register for the e-CNY Wallet provided by CCB.

• iPhone users may download the e-CNY App via the App Store and search the keyword (“e-CNY”).
• Android users may download the e-CNY App via the Google Play and search the keyword (“e-CNY”), users can also download the app through the official download link of the Digital Currency Institute of the People's Bank of China: https://pilot.app.ecny.pbcdci.cn/download/index.html .

E-CNY Wallets opened with phone number authentication are classified as Type 4 wallets which are anonymous wallets.

If you are unable to register as a e-CNY App user and/or open a CCB e-CNY Wallet, please call the following customer service hotlines:

1. e-CNY App customer service hotline +86 10 956196
2. CCB customer service hotline +86 10 95533
3. CCB (Asia) customer service hotline +852 2779 5533

Method 1:

• CCB (Asia) customers can download the e-CNY App and use their Hong Kong mobile number to register and open a wallet without binding any bank card/account.
• Tap on the " Wallet Top-up" button of CCB Wallet in the e-CNY App to be redirected to CCB (Hong Kong & Macau) Mobile App via the e-CNY App, login to CCB (Hong Kong & Macau) mobile banking and then top up the CCB e-CNY Wallet by FPS.
• If you haven't downloaded CCB (HK & Macau) Mobile App, please click here to download it first.

  The steps are as follows:

  1. Open and log in to the e-CNY App, select CCB e-CNY Wallet and click "Top up";
  2. Enter the top-up amount (RMB) in the e-CNY App;
  3. Select the CCB (Hong Kong & Macau) logo to be redirected to the CCB (Hong Kong & Macau) mobile App;
  4. Login to CCB (HK & Macau) mobile app;
  5. Enter the CCB (Hong Kong & Macau) mobile app top-up interface, confirm the RMB top-up amount, select the withdrawal account, read and agree to the notes and relevant terms and conditions on the page;
  6. Complete the transaction and click "Return to Merchant" to return to the e-CNY App;
  7. Return to the People's Bank of China e-CNY App where the e-CNY top-up result is displayed.

Method 2:

• Customers holding Visa or Master (overseas) credit cards can click on CCB Wallet in the e-CNY App, click "Wallet Top-up", enter the top-up amount and click "Next", then select "Add Bank Card" as the payment method to top up the wallet. Please note that CCB may charge an additional service fee if you top up and pay by Visa or Master Card. Please refer to the relevant details set out in e-CNY App and the terms and conditions issued by the relevant providers from time to time for the applicable service fee.

Method 1: e-CNY App user can scan the merchant’s QR code

• Log in to the e-CNY App, click on the “Scan” button to scan the merchant’s QR code, and enter the amount and password to make the payment.

Method 2: Merchant can scan the payment code of user's e-CNY App.

• Log in to the e-CNY App, click the "Pay" button or swipe up on the home page of the wallet to display the “Payment QR Code”, then it will show the “Payment QR Code” to the other party for payment (pay the merchant), and the user can choose to enable or disable the small amount password-free payment.

No. The transfer function is not available for e-CNY Wallet opened with Hong Kong mobile phone number.

Customers can check the transaction details by tapping blank area of the wallet to flip to the back side, selecting “Transaction History” to display the recent transaction history, and then clicking “Single Transaction” to check the transaction details.

Yes, even if the e-CNY promotion period ends, you can continue to use the CCB e-CNY Wallet in the e-CNY accepting merchants in the pilot regions of Mainland China and Hong Kong.

• CCB e-CNY Wallet customers have to visit a designated CCB (Asia) branch for cashing out the e-CNY balance. In addition, the e-CNY may be converted at the prevailing RMB/HKD exchange rate at CCB (Asia) 's discretion.
• CCB (Asia) designated branches: During the pilot phase, three branches will support the cash out of the remaining balance in the CCB e-CNY wallet - Central Branch, Kowloon Bay Branch and Tai Po Branch. (Service hours: Monday to Friday: 9:00 a.m. to 5:00 p.m., Saturday: 9:00 a.m. to 1:00 p.m., closed on public holidays)
  1. Central Consumer Branch: 6 Des Voeux Road Central
  2. Kowloon Bay CCB Center Consumer Branch: G/F, China Construction Bank Center, 18 Wang Chiu Road, Kowloon Bay
  3. Tai Po Branch: Shop 9B, G/F, 1 On Chee Road, Tai Po

CCB e-CNY Wallet customers are required to withdraw the remaining balance from their e-CNY Wallets at designated CCB (Asia) branches in accordance with the following procedures:

1. Present your identity document and fill in the withdrawal application form (Customer's Name / Identification Document Number / CCB e-CNY Wallet Registration Phone Number/ Date of Birth / Nationality/ Withdrawal Amount/ Withdrawal Currency).
2. CCB (Asia) provides QR Code for customers to scan.
3. Customers scan the code and enter the withdrawal amount.
4. After CCB (Asia) counter staff confirms that funds have been credited to the account, they will act according to the withdrawal requirements.
1. CCB (Asia) customers: you can choose to deposit into your CCB (Asia) deposit account or receive cash. Daily cumulative withdrawal limit is RMB 5,000.
2. Non-CCB (Asia) customers (customers without CCB (Asia) deposit account): you can only receive cash. Daily cumulative withdrawal limit is RMB 2,000.
5. CCB (Asia) counter hands over the withdrawal money and vouchers to the customer.

If you have any questions or need further assistance, please contact the relevant branch staff or CCB (Asia) Customer Service Hotline +852 2779 5533 for enquiries.

No. Customers can use the e-CNY Wallet to make payments at all merchants that accept payment in e-CNY.

Customers can top up the e-CNY Wallet from a RMB account, HKD account or multi-currency account . If the debit from the HKD account or multi-currency account is in HKD, HKD will be converted into RMB at the prevailing HKD/RMB exchange rate determined by the Bank at its discretion.

E-CNY operating institutions can set limits not exceeding the above amounts based on their risk management. Users can also lower the limits of their e-CNY wallets according to their needs. For detail, please contact the customer service hotline of the e-CNY App at +86 10 956196, or contact the customer service hotline of CCB at +86 10 95533.

For customers who have opened a CCB e-CNY Wallet and encounter problems when using it (e.g. abnormal transaction status, missing history, abnormal wallet status, etc.), they can enquire about the solutions in the Help and Feedback of the e-CNY App or contact the customer service hotline of the e-CNY App at +86 10 956196, or contact the customer service hotline of CCB at +86 10 95533.

• If you want to deregister your e-CNY Wallet, you have to clear the balance of the wallet first.
• The red packets in the wallet cannot be redeemed.
• After deregistering the wallet, all unused red packets will be canceled.

This promotion is only applicable to customers who have fulfilled the following conditions:

• Existing CCB (Asia) customers who have successfully registered for the mobile banking service of CCB (Asia); and
• have successfully opened a CCB e-CNY Wallet using a Hong Kong mobile phone number with the area code +852; and
• the mobile phone number registered for the mobile banking service of CCB (Asia) must be the same as the mobile phone number used to open the CCB e-CNY Wallet.

The e-CNY red packets are provided by CCB. Eligible customers who have successfully opened the CCB e-CNY Wallet will be able to view it under " e-CNY App> Services " in the e-CNY App. If customers have already registered as users of e-CNY App and opened a CCB e-CNY Wallet, they can receive the red packets directly after successfully registering for the promotion. If customers have not registered as users of e-CNY App, they need to register as users of e-CNY App and open CCB e-CNY Wallet after registering for the promotion in order to receive the red packets.

If you encounter any problem when registering for the red packets, please contact CCB(Asia) customer service hotline at +852 2779 5533 or CCB customer service hotline at +86 10 95533 for enquiries.

The red packets can only be used within the validity period. After the validity period, all unused red packets will be void. Please refer to the e-CNY App and/or other rules and regulations of the red packets provider (i.e. CCB) as updated from time to time.