Frequently Asked Questions (Online Banking)

CCB (Asia) Online Banking

Logon

How To Register Online Banking Service

Username / Password Related Issues

Verification Code

Security Token

One-Time Password (OTP)

My Account Preferences

Contact Numbers and Email

eAlert

Banking Services

About Security

Account Opening

Local Funds Transfer

Overseas Funds Transfer

Bill Payment

Time Deposit

Cross Border Long Card

eStatement

eStatement for Banking Account(s)

eStatement for Securities Trading Account(s)

About e-Cheque Service

Investments

Securities Trading

Shanghai - Hong Kong Stock Connect / Shenzhen - Hong Kong Stock Connect

Securities Margin Trading

RMB Denominated Stock Trading

Closing Auction Session

Volatility Control Mechanism

eIPO

Mutual Funds

FX Linked Deposit

FX Margin

Gold Trading

Investment Profile Questionnaire

Investment Glossary

About Security

About Internet Threats

Others

About The Service

What is CCB (Asia) Online Banking?

CCB (Asia) Online Banking service allows you to stay on top of your finances whenever you want to by banking online with us. Efficiently manage your assets through our simple and convenient website, while our enhanced security measures ensure that your experience with us remains safe and secure.

Our service includes:
  • Access your account details, view up-to-date account balances, transaction history;
  • Open new deposit and investment accounts;
  • Make domestic and overseas transfers, pay utility bills;
  • Transfer funds from other local banks;
  • Buy/sell foreign currencies;
  • Manage your time deposits, place time deposits and update maturity instructions;
  • Trade FX Linked Deposit, mutual fund, securities and gold;
  • Apply for a wide range of banking products online, etc.

Can I manage my sole-name or joint named accounts through CCB (Asia) Online Banking?

Every time you open a sole-name account, it is automatically added to your Online Banking profile, allowing you to bank easily with CCB (Asia) Online Banking. For joint deposit account, only anyone-to-sign joint accounts (i.e. joint accounts that do not require joint signatures) can automatically link to the service.

Can I access CCB (Asia) Online Banking overseas?

Yes, as long as you have internet access with the recommended browser, you can access the service anytime anywhere.

What are the service hours of CCB (Asia) Online Banking?

The service is available around the clock. However some of the transactions have specific service hours, please refer to Online Banking Service Hour Table for details.

What do I need to start using the CCB (Asia) Online Banking?

  • A computer with a screen resolution of 1024x768 or above and Internet access;
  • Best viewed with:
    Google Chrome - 80 or above;
    Apple Safari - 7 or above;
    Firefox - 72 or above;
    Internet Explorer - 11
  • A personal account opened in any of the branches of China Construction Bank (Asia).

Does CCB (Asia) Online Banking support tablets?

The service temporarily supports desktop or laptop only. Smartphone users can download the CCB (HK&MO) mobile app for using "Mobile Banking" service.

Are there any service charges of using the CCB (Asia) Online Banking?

CCB (Asia) Online Banking is a free-of-charged service provided by CCB (Asia), however service charges involve for particular services, please refer our Online Banking Service Charges Table for details.

Are there any special promotional offers or preferential pricing for using CCB (Asia) Online Banking?

Yes, you can get the latest offers and preferential pricing via https://www.asia.ccb.com/hongkong/personal/banking_channels/promotion_offer.html .

Can I reverse a transaction?

You may revoke the transaction before you confirm the transaction. However, once you confirm, the transaction will be effective.

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. If a transaction is involved, please check your account balance or transaction status before trying again.

Why am I unable to use right-click with my mouse? What should I do if I want to print the screen?

Due to security reason, the right-click function is disabled on the Online Banking platform. To print the screen, please press "Ctrl-P" to use the print function of the browser.

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 Customer Service Hotline at (852) 2779 5533 during operating hours to check the status.

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.

Can I suspend my CCB (Asia) Online Banking service temporarily?

No. If you would like to terminate your Online Banking service, please contact our Customer Service Hotline at (852) 2779 5533.

After the new Online Banking is launched, is there any difference on the main page interface of Online Banking?

After the new Online Banking is launched, more customization is allowed on our Online Banking main page, please click here for more details.

Logon
How To Register Online Banking Service

How can I register for CCB (Asia) Online Banking and Mobile Banking Services?

(a) Application through Website or Mobile App
If you hold an ATM Card/Credit Card/Cross Border Long Card/Bank by Phone Service/Loan account, you can click “Register Now” on our website and Mobile App to register Online Banking and Mobile Banking Services online. A One-Time Password will be sent to your mobile phone number in our record during the process, please have your mobile phone ready before you begin the registration. You can set up your own Username and Password, and register for the eStatement Services for your account(s) at the same time.
Afterward, you can logon to our Online Banking and Mobile Banking with your customized Username and Password immediately.

(b) Application through Branch
If you apply for Online Banking and Mobile Banking Services through our branch, you will receive a SMS and an email for online activation after your application is processed. You can set up your own Username and Password, and register for the eStatement Services for your account(s) upon activation of your Online Banking and Mobile Banking Services via our website or CCB (HK&MO) Mobile App. Afterward, you can logon to our Online Banking and Mobile Banking with your customized Username and Password immediately*. Please complete your activation of Online Banking and Mobile Banking Services within 60 days after receiving the SMS and email, otherwise, please call our Customer Service Hotline at (852) 2779 5533 or Mainland IDD Toll Free Hotline at 4001 995533 for further assistance.

Username / Password Related Issues

What should I do if I forget my Password?

If you input wrong password for several times, your Online Banking and Mobile Banking services will be suspended and you must reset your password to login. If you forget your Password, you can click "Forget 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; or visit any of our Branches for assistance.

New Password should meet the following complexity requirements:

  • 8 to 16 characters in length;
  • Combination of number(s) and at least 1 alphabet(s) [numbers (0-9) and alphabet (A-Z, a-z)]. Please be alerted that alphabets are case sensitive;
  • Should not contain special punctuation marks (for example: !, @, #, .);
  • Should not contain your Username or easy-to-guess patterns (e.g., 1234567A);
  • Cannot be the same as the previous three times.

What should I do if I want to change the Password?

Please click “Change Password” under “Security Setting” in “Setting” menu in the top-right corner after you have logged in Online Banking, enter your existing Password and New Password twice to proceed.

New Password should meet the following complexity requirements:

  • 8 to 16 characters in length;
  • Combination of number(s) and at least 1 alphabet(s) [numbers (0-9) and alphabet (A-Z, a-z)]. Please be alerted that alphabets are case sensitive;
  • Should not contain special punctuation marks (for example: !, @, #, .);
  • Should not contain your Username or easy-to-guess patterns (e.g., 1234567A).
  • Cannot be the same as the previous three times.

You are advised to change your Password regularly. We remind you to change your Password every 90 days.

What should I do if I forget my Username?

If you forget your Password, you can click “Forget 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 inquire your Username after the verification success; or visit any of our Branches for assistance.

What should I do if I want to change the Username?

Please click ”Set Up Username” under “Security Setting” in “Setting” menu in the top-right corner after you have logged in Online Banking, enter New Username to proceed.

New Username should meet the following complexity requirements:

  • 8 to 16 characters in length;
  • Combination of number(s) and alphabet(s); or alphabet(s) only.

How long to take my update effective?

Your updates will be effective once you confirm your changes. Please use your new Username and Password to login CCB(Asia) Online Banking and Mobile Banking Services.

Verification Code

What is Verification Code?

Verification code is a 5-digit code with random alphabetic and numeric characters, it is show in a specifically designed image. User must enter the verification code in case sensitive way when they login to our Online Banking service.

Why a Verification Code is needed?

Verification Code is able to increase security level of our system by preventing automated posting from spyware.

How about if the Verification Code is unreadable?

If you find the Verification Code hard to read or unreadable, please click the image to refresh the Verification Code. If the problem still exists, please contact our Customer Service Hotline at (852) 2779 5533.

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 user's guide for details.

Security Token
Security Token sample 

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.

Security Token
To generate a Security Code on your Security Token, simply press and hold the open Security Tokenand followed bySecurity Token OK. The Security Code will be kept on changing in every 60 seconds.
Security Token code 

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.

Security Token
Serial Number is a 13-digit number printed at the back of the Security Token.
Security Token Serial Number 

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.

When do I need 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.

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)    tick icon
 Funds transfer to registered accounts    tick icon
 Funds transfer to unregistered accounts  tick icon  tick icon
 Setup eAlerts    tick icon
 Employer Payroll Autopay Service    tick icon
 Online Securities Trading  tick icon  tick icon
 Online Trade Services    tick icon
 Time Deposit    tick icon
 Change Email Address  tick icon  
 Electronic Direct Debit Service  tick icon  

What should I do after receiving a Security Token?

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

How to activate a Security Token?

Please follow the steps below to activate your new Security Token:
1.Log on to Online banking;
2.Select “Activate Security Token” under "Security Setting" in "Setting" menu in the top-right corner;
3. Input the required information on the screen for verification.
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 user's guide for details.

How to turn on a Security Token?

Please follow the following steps to turn on your Security Token:
1.Press and hold the red buttonpower key for 2 seconds until the “ – ” signal display on the screen;
2.Press the green “OK” button confirm key
3.A 6-digit Security Code will be displayed on the screen and the Security Token is ready for use.

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 several times, your Security Token will be locked automatically.

What should I do if my Security Token is locked?

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:
For Personal Banking customer: 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.

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.

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.

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.

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.

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.

What should I do if my Security Token is lost and damaged?

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.

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.

How to terminate the Security Token service?

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

One-Time Password (OTP)

What is One-Time Password (OTP)?

One-Time Password is a security feature of “Online Banking” and “Mobile Banking”, it will be sent to your registered mobile phone or email address for registering Online Banking and Mobile Banking services, reset password, transfer or other authentication.

Why can't I receive a One-Time Password (OTP)?

If you cannot receive a OTP, the reasons may be as follows:

  • Network problem, please try again.
  • You have not registered your mobile phone number with our bank, please visit any branch of our bank to register your mobile phone number.
  • Your mobile phone number registered with our bank is incorrect. Please visit any branch of our bank to update your mobile phone number or call the customer service hotline (852) 2779 5533 to check whether your mobile phone number is correct.
  • You can only receive OTP through the registered mobile phone number. Please turn on the phone to receive a OTP. Please note that even if you have activated the SMS forwarding service of your phone service provider, the OTP will not be transferred to other mobile phone number.

My Account Preferences
Contact Numbers and Email

How can I update my email address / mobile phone number?

For updating your email address, please go to "Update Customer Information" under "Setting" in the top-right corner in Online Banking, input the new email address and click "Change", Online Banking will ask for a 6-digit security code from your security token, then click “Confirm”. Your email address will be updated accordingly.
For updating your mobile phone number, please visit any of our branches for the update.

eAlert

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).

Who is eligible for using eAlert Services?

All Online 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 (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.

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.

How to setup the eAlert?

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

  • Click “Setting” in the top-right corner in Online Banking;
  • Select "Manage eAlert";
  • Choose the "eAlert" you would like to enroll.

Where can I change my e-mail address or mobile phone number?

Please see “How can I update my email address / mobile phone number?”.

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.

Can I receive eAlerts when I am oversea?

If you are Mainland China, oversea or using oversea mobile service provider, you may not be able to receive the "eAlerts" of SMS. Please be reminded to turn on your mobile phone and activate your roaming service to ensure you can receive SMS. If necessary, please contact your mobile phone service provider for details.

ATM Cash Withdrawal Alert
Description
This type of Alert reminds you any successfully cash withdrawal made from your selected account by any ATM at anywhere.
Who is eligible?
Any Online Banking customers with Dual Currency Debit Card and ATM Remittance card.
When will be sent out?
This alert will be sent out whenever cash was successfully withdrawn from your selected account by ATM.
Scheduled/Recurrent Funds Transfer Alert
Description
This alert notifies you when a scheduled/recurrent Funds Transfer set up via Online Banking is executed.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent once the scheduled/recurrent Funds Transfer has been processed.
Interbank Funds Transfer Alert
Description
This alert notifies you when a Funds Transfer of any specified amount is made from your account to a third party account of another local bank.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent when a Funds Transfer to a third party account of another local bank has been made.
Time Deposit Maturity Alert
Description
This alert reminds you to renew any Time Deposit on maturity date.
Who is eligible?
Any Online Banking customers with Time Deposit and its tenor is more than 7 days.
When will be sent out?
This alert will be sent out 2 workings days in advance of the maturity date of your selected Time Deposit.
Bill Payment/ eBill Alert
Description
This alert notifies you with specified status of any scheduled bill payments made.
Who is eligible?
Any Online Banking customers.
When will be sent out?
This alert will be sent out once the specified status of any scheduled bill payment made.
Loan Repayment Alert
Description
This alert reminds you on the first day of any overdue loan installment. However, a late charge is still applicable.
Who is eligible?
Any Online Banking customers with Loan Accounts.
When will be sent out?
This alert will be sent out on the first date of loan overdue.
Temporary Overdraft Alert
Description
This alert reminds you when any of your accounts have been overdrawn. However, overdraft interest charge is still applicable.
Who is eligible?
Any Online Banking customers with Checking Accounts.
When will be sent out?
This alert will be sent out on the first date of loan overdue.
Inward Remittance Alert
Description
This alert notifies you when an inward remittance of any specified amount to your account.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out during the day of any remittance credited to your account.
eStatement for Banking Account Alert
Description
This alert notifies you when your latest eStatement for Banking Account is ready online.
Who is eligible?
Any Online Banking customers with accounts.
When will be sent out?
This alert will be sent out once your latest eStatement for Banking Account is ready online.
Returned Check Alert
Description
This alert reminds you any self-issued check returned due to insufficient funds.
Who is eligible?
Any Online Banking customers with Checking accounts.
When will be sent out?
This alert will be sent out during the day of any self-issued check returned due to insufficient funds.
Low Maintenance Balance Alert
Description
This alert reminds you when your available balance falls below the required amount for maintenance of "Premier Banking" or "Value Plus" accounts.
Who is eligible?
Any Online Banking customers with either Premier Banking or Value Plus account.
When will 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.
EPS / UnionPay Payment Alert
Description
This alert notifies you whenever a successful payment transaction is made via EPS or China UnionPay payment network.
Who is eligible?
Any Online Banking customers with ATM card or RMB card.
When will be sent out?
This alert will be once the payment request is accepted by EPS or China UnionPay.
Dormant Account Alert
Description
This alert reminds you when your "Premier Banking" or "Value Plus" account will soon be changed to a dormant account status.
Who is eligible?
Any Online Banking customers with either Premier Banking or Value Plus account.
When will be sent out?
This alert will be sent out 5 working days prior to the change of account status.
Mutual Funds Price Alert
Description
This alert notifies you when the selected fund price hits the preset price.
Who is eligible?
Any Online Banking customers.
When will be sent out?
This alert will be sent out on the next day when the market price hits the preset mutual fund price.
Stock Price Alert
Description
This alert notifies you when the market price of the selected stock hits the preset price range.
Who is eligible?
Any Online Banking customers with Securities Trading accounts.
When will be sent out?
This alert will be sent out during the trading hours when the market price hits the preset price range.
Stock Order Confirmation Alert
Description
This alert notifies you when the trade orders are fully or partially completed, rejected or cancelled during the trading day.
Who is eligible?
Any Online Banking customers with Securities Trading accounts.
When will 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.
eIPO Alert
Description
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.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out whenever our Bank provides eIPO Service.
Gold Trading Confirmation Alert
Description
This alert notifies you when the trade orders are completed successfully during the trading day.
Who is eligible?
Any Online Banking customers with Gold Trading accounts.
When will be sent out?
The alert will be sent out when orders are completed successfully.
Online FX Linked Deposit Maturity Alert
Description
This alert notifies you when your FX linked deposits have expired.
Who is eligible?
All Online Banking customers with FX linked deposit.
When will be sent out?
The alert will be sent out on the maturity date of your FX linked deposit.
Birthday Reminder
Description
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.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out in the morning of every scheduled day.
Anniversary Reminder
Description
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.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out in the morning of every scheduled day.
Appointment Reminder
Description
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.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out in the morning of every scheduled day.
Payment Reminder
Description
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.
Who is eligible?
All Online Banking customers.
When will be sent out?
This alert will be sent out in the morning of every scheduled day.

Banking Services
Account Enquiry

What kind of accounts enquiry are available online?

You can enquire the following account balances and transactions:

  • Savings Account;
  • Checking Account;
  • Multi-currency Savings Account;
  • Time Deposits Account;
  • FX Linked Deposits Account;
  • FX Margin Trading Account;
  • Loans Account;
  • Securities Trading Account;
  • Mutual Fund Account;
  • Gold Trading Account;
  • Structured Equity-linked Investment Account;
  • Structured Note;
  • Bond.

Do new fund-in or fund-out be shown instantly?

Yes, you can view the information anytime.

Account Opening

What kind of deposit accounts can I open online?

  • HKD Statement Savings Account;
  • HKD Checking Account;
  • USD Checking Account;
  • Multi-Currency Statement Savings Account;
  • RMB Statement Savings Account.

I notice that some of my personal information has already been inserted. Can I update these details?

To facilitate your application, some of the fields are filled in according to your record retained in our system. Simply type in the areas where you want to update the information. 
And for sake of security, some of the data is protected and cannot be amended via Online Banking, you are required to visit branch and submit related form if needed.

I am holding a anyone-to-sign joint account, can I open the deposit account online?

No, the service is eligible for individual accounts only.

Local Funds Transfer

Important Notes:

When making fund transfers, you should be careful and ensure the account numbers or identifiers used are correct so as to avoid transferring funds to unintended third parties. In the event you receive funds that are mis-transferred to you, you should return the funds through the Bank or else you may be criminally liable.

What are the different types of fund transfer available?

Three types of fund transfer are available to you through our Online Banking:

  • Transfer between your CCB (Asia) Accounts;
  • Transfer to third-party CCB (Asia) Accounts;
  • Transfer to other bank accounts in Hong Kong.

How far in advance can I issue transfer instructions?

Anytime from 1 day to 45 days.

How long do transfers take?

Please refer to the Funds Transfer in Online Banking Service Time Table.

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, Faster Payment System (FPS) 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 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.

Are there any daily limits for funds transfer?

There is no limit for transfers within your own CCB (Asia) accounts. However, there is daily limit for third party transfers:

Transfer Type Limit
Transfer within own CCB (Asia) accounts Nil
Transfer to registered accounts
(include transfer within CCB(Asia) and other banks in Hong Kong)
HKD2,000,000 or its equivalent
Transfer to unregistered accounts
(include transfer within CCB(Asia) and other banks in Hong Kong)
HKD100,000 or its equivalent
Small-Value Fund Transfer Service
(include transfer within CCB(Asia) and other banks in Hong Kong)
HKD10,000 or its equivalent

Are there any cut-off time for transfer within CCB (Asia) account / interbank transfer?

Please refer to the Local Funds Transfer in Online Banking Service Time Table.

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 Faster Payment System (FPS), the value day is immediately. For Express Transfer, the value day is “same day” if instruction is submitted before cut-off time.

Do I need to pay for making a transfer to local bank?

It depends on the way. For related charges, please refer to our Schedule of Service Fees.

What is the trading hour for fund transfer involving foreign exchange or buy / sell foreign currency?

Please refer to the Online Banking Service Time Table of our foreign exchange.

If I am a non HK resident, why my FX transaction is rejected and with a message of ‘The Transaction Amount exceeds the exchange limit set by the Bank’?

Your FX transaction is rejected due to your cumulative RMB transaction amount exceeded the exchange limit set by the Bank for non-office hours as defined by the Bank. Currently, our Bank’s cumulative RMB exchange limit for non-HK resident during non-office hour is RMB100,000 and this may be changed by the Bank from time to time.

How do I register accounts for fund transfers?

To set up a Registered Account, please download the maintenance form, complete it with your signature, and return it to any our branch.

How many registered accounts can I register?

The maximum number of registered accounts is 20.

If I want to add or delete a registered account, what can I do?

You can simply go to "Registered CCB (Asia) Account" and select the registered account to be deleted. However the registered accounts can only be added by submitting a maintenance form to our Branch.

If I want to update the transfer limit of the registered account, what should I do?

You may reduce your daily transfer limit online by selecting the “Transaction Limit” Screen under the “Maintain My Details”. However, if you wish to increase the limit subsequently, you have to submit a maintenance form to any of our branches in person.

Which banks are applicable for Express Transfer?

Please click here for the Express Transfer banks list.

What will happen if there is insufficient fund in my account on the effective date?

It is not necessary to have sufficient fund in your account when you make a pending transfer. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.

Overseas Funds Transfer

When can I transfer money overseas?

Please refer to the Online Banking Service Time Table of our overseas funds transfers. 
Applications for same day value are subject to cut-off times related to the geographical location of the destination and/or the funding arrangement requirements of the settlement banks. This may mean that the Applicant's account will be debited before the value day and we will not be responsible for any interest expense or loss as a result.

When can I send a RMB remittance?

Please refer to the Online Banking Service Time Table of our RMB overseas funds transfers.
Please note the service is also subject to the operation and practice adopted by the RMB clearing bank. It will not be processed by the RMB clearing bank during holidays in China (e.g. Labour Day, National Day).

What is the daily transfer limit?

Transfer Type Limit
Transfer to registered accounts maintained overseas HKD2,000,000 or its equivalent
Transfer to unregistered accounts maintained overseas HKD50,000 or its equivalent
Transfer RMB to same name account in Mainland China RMB80,000

Do I need to pay for making a transfer to an overseas account?

Yes. For details, please refer to our Schedule of Service Fees.

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

You must visit our Branch to register the account again.

Can I modify my registered overseas account online?

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

If I want to transfer money from overseas bank via telegraphic transfer (TT) to my CCB (Asia) account, what is the SWIFT code? What information do I need to provide?

If you want to transfer funds from overseas banks to your CCB (Asia) account via telegraphic transfer (TT), please provide the following information to the remittance bank:

  • The name of the bank: China Construction Bank (Asia)
  • Address of our office: CCB Tower, 3 Connaught Road Central, Central, Hong Kong
  • SWIFT code: CCBQHKAX
  • Beneficiary account number
  • Name of payee

Bill Payment

How to pay a bill?

You have to register a new payee before you can pay make any bill payment.

What is a bill type code?

Some of the payees have special codes for different types of bills. Should a bill type code be requested, simply check the payee's statement and you should be able to find the bill type code.

How to register a new payee?

Go to Bill Payment under Account section and choose Register Bill, click Add New Payee to register a new payee.

What is the largest payment that I can make?

The daily maximum limit of Online Bill Payment is HKD100,000; while the combined daily maximum limit for Tax Payment and White Form eIPO Payment is up to HKD999,999 or below; bill payment by credit card, the daily limit for AIA insurance premium is HKD999,999 or belowor available credit limit, whichever is lower.

If I have made a wrong payment, what should I do?

Please contact the merchant directly.

Can I change the date of payment, or even delay it?

Unless you have selected Pay on Today in the first place, you can change the payment date before the payment transaction is processed.

What if my Settlement Account does not have enough balance?

Your transaction will not be processed.

What is the cut-off time for online bill payment?

Please refer to the Online Banking Service Time Table of our overseas funds transfers. 
To make a payment for White Form eIPO application (which is the subscription applied via White Form eIPO Service website www.eipo.com.hk), please complete the payment transaction BEFORE 6:00 a.m. of the last day of the Offer Period.

Is there any service fee involved in the bill payment services?

No, it is free.

What bills can I pay via Online Banking?

Please refer to the Online Banking - Bill Payment Merchant List.

Time Deposit

What type of time deposit I can do via CCB (Asia) Online Banking?

There is a choice of 12 foreign currencies including HKD, USD, GBP, CAD, AUD, NZD, JPY, CHF, EUR, SGD, CNY, ZAR.

What are the deposit period available for different currencies?

Currency Deposit Period*
HKD/ USD 1 week, 2 weeks, 1 month, 2 months, 3 months, 4 months, 5 months and 6 months
RMB 1 month, 2 months, 3 months, 4 months and 6 months
Others 1 week, 2 weeks, 1 month, 2 months, 3 months, 4 months and 6 months

*the above deposit period is for reference only

How much is the minimum initial deposit for HKD Time Deposit, Foreign Currency Time Deposit?

For HKD time deposit, a minimum deposit of HKD10,000 is required, while Foreign Currency Deposit requires minimum deposit of HKD30,000 or equivalent.

When can I place a Time Deposit online?

Please refer to the Online Banking Service Time Table of our overseas funds transfers. 
Please note should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day.

What are the types of maturity instructions available?

  • Full renewal (i.e. to renew both principal and interest for a specific period.);
  • Renew principal and credit interest (i.e. to renew principal only, the interest generated will be credited to a specific account.);
  • Add specific amount to principal (i.e. to renew the deposit with a larger principal amount. A fixed amount will be added to the principal every time the deposit is renewed.);
  • Deduct specific amount from principal (i.e. to renew the deposit with deducted principal amount. A fixed amount will be deducted from the principal every time the deposit is renewed.);
  • Credit both principal and interest (i.e. to uplift the deposit by crediting both principal and interest to a specific account.).

How far in advance can I set up a Time Deposit online?

Anytime from 1 day to 45 days.

Can I amend my maturity instructions at anytime I want?

Yes, you may amend the maturity instruction at least one working day (during office hours of 9:00 am to 6:00 pm on Monday to Friday) before the maturity date.

If I am not renewing my time deposits upon maturity, how can I transfer the proceeds (principal and interest) to an account without having to consider currency exchange?

If you want to redeem your time deposit in the same currency, please ensure you select an account of the same currency as your time deposit upon maturity.

If I have made a time deposit at a branch, can I change the maturity instruction online?

As long as the time deposit account can be operated through our Online Banking, you may amend the maturity instruction online at least one working day (before 18:00 on Monday to Friday) before the maturity date.

Cross Border Long Card

What kind of Cross Border Long Card account(s) I can enquire at CCB (Asia) Online Banking?

You can enquire the following account balances and transactions:

  • CCB (Asia) HKD Savings Account;
  • CCB (Asia) HKD Checking Account;
  • CCB (Asia) HKD RMB Savings Account (Only applicable to Hong Kong residents who opened account in CCB (Asia));
  • CCB (Asia) HKD Remittance Account;
  • CCB (Asia) RMB Account.

How long does it take for HKD remittance from CCB (Asia) to CCB?

HKD remittance from CCB (Asia) to CCB is a real time transaction, however customer is required to fill in the Overseas Income Declaration Form at Mainland China Construction Bank account opening branch in person. Funds will only be credited into the customer's account after the Declaration Form is reviewed and declaration is made for international balance of payments.

Will there be any service charge for HKD real time remittance from CCB (Asia) to CCB?

Yes. For details, please refer to our Schedule of Service Fees.

Is there any limit for HKD real time remittance?

Daily limit for HKD real time remittance is HKD1,000,000.

If I have RMB account in CCB (Asia), can I remit to CCB Cross Border Long Card RMB account?

Yes, but it will take around 1-2 working days.

Will there be any service charge for RMB remittance?

Yes. For details, please refer to our Schedule of Service Fees.

eStatement
About eStatement

What is eStatement?

eStatement provides you with an instant access to your statements online or download them to your computer for record in a more convenient way.

Will I continue to receive the paper statement?

No, once you have opted for the eStatement, you will no longer receive the paper statement via mail.

How can I know an updated eStatement is post on page?

You may register eStatement eAlert so that you will be notified everytime the eStatement has arrived.

When will I start receiving eStatement eAlert?

Once the registration is completed and takes effect, you will start receiving eStatements eAlert on your coming statement generation date.

How can I open the eStatement on my own device?

You may need to have the latest version of Acrobat Reader to view the eStatements provided in the service. The software can be downloaded from http://www.adobe.com.

eStatement for Banking Account(s)

How long will the Banking Account record be retained?

All Banking Accounts have record retained up to last 7 years; while Cross Border Long Card accounts have eStatement of last 3 months only. You can save your own copy at local PC if needed.

When will my registration be effective?

Your registration will take effect immediately, your statement will deliver according to the delivery option you have selected from coming statement generation date.

How can I resume the paper statement of Banking Account?

Go to "Setup eStatement", under “My Account” menu, in “Banking Accounts” tab, uncheck "eStatement Service" next to the account number which you prefer to receive in paper.

What can I do if I want to use the Service again after I have terminated the eStatement Service for Banking Account?

If you wish to resume the Service, please simply go to "Setup eStatement" and check the box again.

eStatement for Securities Trading Account(s)

How long will the eStatement for Securities Trading Account(s) be retained?

The “Monthly” eStatement of Securities Trading Account will be retained up to last 12 months (starting from the time of the statement is issued), while “Daily” eStatement will be kept the last 3 months only. You can save your own copy at local PC if needed.

When will my registration be effective?

Your registration of the new statement delivery option will be effective for the designated Securities Trading Account on the next statement date. You will receive a confirmation email upon completion of eStatement service setup.

When will be the cut-off time of the registration?

The cut-off time for eStatement Service for Securities Trading Account registration is 18:00 every day. Upon the Bank’s acceptance to the customer request for eStatement Services registration, you will receive a confirmation email informing that the eStatement Service is available to you.

How can I setup the eStatement Service for Securities Trading Account for my joint name account?

eStatement Service registration/maintenance via online banking platform is only available for single-name accounts. To set up or terminate eStatement Service registration for joint-name account(s), customers can click here to download the Form and submit the completed form to any of our branches in person.

How can I resume the paper statement of Securities Trading account(s)?

Go to "Setup eStatement", under “My Account” menu, in “Securities Trading Accounts” tab, choose an account statements of which you prefer to receive in paper form, and choose “By paper statement” in “New Statement Delivery Option”.

What can I do if I want to use the eStatement Service for Securities Trading Account again after I have terminated the eStatment Service for Securities Trading Account?

If you wish to resume the eStatement Service for Securities Trading Account, please simply go to "Setup eStatement" and select the option again.

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.

What is e-Cheque Drop Box service?

e-Cheque Drop Box service means an electronic drop box provided by the Hong Kong Interbank Clearing Limited (HKICL) 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.

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 through HKICL 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.

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.

Investments

Important Notes: 

  • Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  • Securities Margin Trading involves significant risk and losses may exceed the value of your collateral.
  • Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX linked deposits are structured products involving derivatives. FX options are derivatives products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Securities Trading

After enrolling in the Online Securities Trading Services, can I still place order through other channel(s)?

You can still place order through Securities Trading Hotline at (852) 2903 8488 or Mobile Banking.

What are the benefits of using Online Securities Trading Services?

With China Construction Bank (Asia) Online Securities Trading Services, you can:

  • enjoy preferential brokerage commission rate;
  • access to real time stock quotes and real time streaming price chart;
  • view personalized latest market news and research reports;
  • check your order status, transaction history and portfolio;
  • set up your own watch list;
  • receive order confirmation and stock price eAlerts via email/SMS;
  • place your order easily anytime, anywhere with your PC.

How can I trade through Online Banking?

You have to be a China Construction Bank (Asia) Online Banking customer with a Securities Trading account.

How do I place an order?

On the Trading page:

  • Select market;
  • choose order type;
  • choose your Securities Trading account;
  • select buy/sell;
  • enter stock code, price and quantity;
  • choose expiry date.

You also have the opportunity to view stock quotes and broker queue right before you place order.

Does the Bank accept price orders that are different from current market prices?

Yes, but if the order with input price deviate 20 spreads or more than the current market price will be kept in our system. The order will only be sent out to market for queue until the spread deviation are less than 20 spreads.

How do I know the Bank has received my order?

After the Bank received your order, you will receive an order reference number. You can also check your order status in the "Order Status" section.

How can I check the status of my order?

You can go to the "Order Status" or "Order History" section to check the status of your order. You are allowed to cancel the instruction while the status is ”Queued”, ”Received” or ”Partially Executed”. You can also go to the "Order History" section to check the final status of your order.

Can I amend or cancel my order?

Yes. You can amend or cancel your Enhanced Limit Order, Special Limit Order and Limit Order when the order status is "Queued", "Received" or "Partially Executed". The order status will be shown in the "Order Status" section. For Stop Loss Order, you can cancel the order only. For Market Order, no amendment or cancellation is allowed.

How am I notified of the execution results?

You will be notified of the respective execution results via email and/or SMS if you have registered for our Stock Order Confirmation eAlert service, the notice will be sent to the email address you have provided in "Maintain My Details"; and the SMS notice will be sent to the mobile phone number you have provided via branch. Stock Order Confirmation eAlert service may . Stock Order Confirmation eAlert service may be out of order or delayed due to unpredictable network traffic congestion and other reasons. You can also check your order status in "Order Status / History " section. You can click here to understand the risk of Stock Order Confirmation eAlert service.

How can I keep track of the stock?

The Stock Watch function allows you to input the stocks you are interested in and will show information such as nominal, change, volume and P/E ratio for each stock you selected. Price alert function enables you to input the target price of your selected stocks in order to provide the updated information for your investment decision. This service only available if you have registered for our Stock Order Confirmation eAlert service and provided your email address and/or mobile phone number in "Maintain My Details".

What is "All-or-Nothing"?

All-or-Nothing binds your order to be either executed in full or rejected. The default setting in our Online Banking is “No” and cannot be changed.

What is "Limit Order"?

Limit Order allows your order matching only at the input price. The unfilled Limit Order will be put in the price queue of the input price. Regardless of the final execution result (the order is partially executed or unexecuted), any unfilled Limit Order will lapse and be cancelled at the end of that trading day (except Good-till-date instruction).

What is "Enhanced Limit Order"?

Enhanced Limit Order allows your order matching up to maximum 10 price queues at a time provided that the traded price is not worse than the input price. The unfilled Enhanced Limit Order will be converted to Limit Order and put in the price queue of input price. The default setting in our Online / Mobile Banking is "Enhanced Limit Order". Regardless of the final execution result (the order is partially executed or unexecuted), any unfilled Enhanced Limit Order will lapse and be cancelled at the end of that trading day (except Good-till-date instruction).

What is "Special Limit Order"?

Special Limit Order allows your order matching up to maximum 10 price queues at a time provided that the traded price is not worse than the input price. A Special Limit Order has no restriction on the input price as long as the order input price is at or below the best bid price for a sell order or at or above the best ask price for a buy order. Any unfilled Special Limit Order will be cancelled by the market immediately after matching.

What is "At auction Limit Order"?

At-auction Limit Order is a limit order with a specified price of which input is allowed only during Pre-opening session. The Bank only accept the At-auction Limit Order with input price does not deviate 200 spreads or 9 times from the prevailing nominal price or previous closing price (whichever is lower). The unfilled At-auction Limit Orders in pre-opening session will be converted to Limit Order at the input limit price and carried forward to the continuous trading session.

What is "Stop Loss Order"?

A Stop Loss Order can only be given to the Bank during Continuous Trading Session on a trading day.
The Stop Loss Price and the Lowest Selling Price could only be specified within the price ranges determined by the Bank.

A Stop Loss Order will only be triggered if the nominal price of the relevant stock is equal to or lower than the specified Stop Loss Price during trading hour on the relevant trading day. Please be reminded that the Stop Loss Order may be fully executed, partially executed or unexecuted by one time at a price not lower than the Lowest Selling Price on the relevant trading day. Market conditions may make it impossible to execute your Stop Loss Order.
Regardless of the final execution result (the order is partially executed or unexecuted), any unfilled Stop Loss Order will lapse and be cancelled at the end of that trading day.
The Stop Loss order may be rejected by market due to market fluctuation.

What is Stop Loss Price?

It is the selling price of a stock specified by you and must be set below the nominal price. Stop Loss Order will be triggered and placed to the market once Stop Loss Price is reached.

What is Lowest Selling Price?

It is the lowest selling price (which must be a price lower than the relevant Stop Loss Price) specified by you to sell your specified stock in the Stop Loss Order.

Can I place a multiple-day Stop Loss Order?

No. the Stop Loss Order is only valid for 1 trading day.

What is "Market Order"?

Please note that Market Order cannot be amended or cancelled after the order is placed.
A Market Order shall only be given to the Bank during Continuous Trading Session on a trading day.
Market order is an order which you do not set a limit price. Such order will be executed at prevailing market price at time of execution. Please be reminded that the executed price may deviate (mildly, significantly or dramatically) from your expected price due to market fluctuation.
The Bank will submit your Market Order to the market (in a number of tranches) for auto-matching and execution by matching it up to a maximum of 30 spreads from the prevailing nominal price (as the case may be). Any unfilled quantity of your market order will be cancelled immediately. You can also enquire your order status in “Order Status” or “Order History” section.

Can I place an order during non-trading hour or non-trading day?

Yes. If the instruction input during non-trading hour or non-trading day will be treated as an instruction given to the Bank on the next relevant trading day. For Northbound Trading, order can only be placed during the trading hours of Shanghai Market.

What is "Good-till-date" Instruction?

"Good-till-date" Instruction enables you to place an instruction to buy or sell stock and the instruction will remain valid up to 10 trading days.

Which order types can set "Good-till-date" Instruction?

Good-till-date instruction is only available for Enhanced Limit Order and Limit Order.

I have placed a "Good Till Date" order. If the order cannot be fully executed on same day and is partially executed on different days, will all the execution results be consolidated for calculating the charges?

No, only the execution results of every order executed on same day will be consolidated for charge calculation otherwise the charge will be calculated separately.

Will my order be valid if there is any corporate action of the company?

Due to any corporate action (including but not limited to stock split or consolidation) that will impact your original instruction (including but not limited to the price and quantity), the relevant buy/sell order may be cancelled. If the trading of the relevant stock is suspended during trading hours and the status is unchanged on the next trading day, the relevant Good-till-date instruction will be cancelled. You should keep watching for any corporate action related to your stock for which you have placed order.

Can I sell the stocks I have bought before its settlement?

Yes.

Can I use the funds from selling a stock to buy a new stock before its settlement?

Yes. However if a sell transaction of Callable Bull Bear Contracts (CBBC) is cancelled by the HKEx due to the mandatory call, the pending receivable trade settlement amount will be deducted after market close on the mandatory call day. Under this situation, if you utilize the pending receivable trade settlement amount for stock purchase, you will be liable and required to deposit sufficient fund for the transaction settlement. For details on the mechanism of CBBC’s mandatory call, you may refer to HKEx’s web site.

What is total purchasing power?

For Securities Cash Trading Account, total purchasing power refers to aggregate of the available cash balance and net proceeds of unsettled purchase and sale orders. For Securities Margin Trading Account, available cash balance including available overdraft facilities and net proceeds of unsettled purchase and sale orders and available cash in the secondary settlement account linked to the Securities Margin Trading Account.

Will the transaction I perform today be reflected in my ”Portfolio”?

Yes, once your order is executed, the transaction you performed will be reflected in your “Portfolio”. Partially executed orders will be reflected in your “Portfolio” after the market is closed.

What is Streaming Quote?

Streaming Quote is a chargeable stock quote service, you must open our Securities Trading account,Online Banking Service and apply for this service at our Branches. For the plan and fee of Streaming Quote, please refer to the latest Schedule of Service Fees for Securities Trading Services.

What are Personalized Latest News and Research Reports?

Upon your logon to Online Banking, Personalized Latest News and Research Reports will bring you the related latest market information based on your Portfolio and Watch Lists of the previous day. If you do not have any securities holdings or do not have any stocks maintained in your watch list, general Latest News and Research Reports will be displayed.

You may also subscribe our Latest News and Research Reports eAlert service to receive related market information via email, free of charge.

These services are available for securities trading customers only.

If I placed an order via the manned channel and subsequently modified the order on Online Banking or placed an order on Online Banking and subsequently modified the order via manned channel, which channel rate will be used to calculate the commission?

If it involves more than one channel for placement and modification for the same order, the commission will be calculated based on the priority pre-set by the Bank. For the above cases, the manned channel brokerage commission rate will be applied. Please note that the priority is subject to review and change by the Bank from time to time without prior notice.

Can I choose to receive eStatement for Securities Trading service?

Yes, please click here for more details about the eStatement Service for Securities Trading Account.

Shanghai - Hong Kong Stock Connect / Shenzhen - Hong Kong Stock Connect

Can investors hold SSE or SZSE securities through Shanghai and Shenzhen Northbound Trading in physical form?

Since SSE and SZSE securities are issued in scripless form, physical form is not available.

How do investors obtain the latest company announcement?

All approved corporate actions on SSE and SZSE securities will be announced by the issuers through the SSE and SZSE website and officially appointed newspapers (both the printed paper and their websites: the Shanghai Securities News, Securities Times, China Securities Journal,Securities Daily) and the website www.cninfo.com.cn.

Hong Kong and overseas investors can also visit HKEx website’s China Stock Markets Web for the company announcements of SSE and SZSE securities issued on the previous trading day.

Please note that the corporate announcements will only be provided in Simplified Chinese.

Can investors attend the relevant shareholder meetings in person or appoint more than one person to attend and act as proxy at the meetings on his/her behalf?

As HKSCC is the shareholder on record of SSE/SZSE-listed companies (in its capacity as nominee holder for Hong Kong and overseas investors), it can attend shareholders’ meeting as shareholder. Where the articles of association of a listed company do not prohibit the appointment of proxy/multiple proxies by its shareholder, HKSCC will make arrangements to appoint one or more investors as its proxies or representatives to attend shareholders’ meetings when instructed.

Can customers cancel their submitted orders within the 5 minutes prior to the opening of each trading session?

Customer can submit their cancellation instruction to the Bank within the 5 minutes prior to the opening of each trading session. However, the instruction is only received by the Bank and will be processed until the market is open for trading. Customers should be aware that the pervious order may be executed before the cancellation instruction is processed.

Can I involve in Shanghai and Shenzhen Northbound Trading

For existing securities trading customer in our Bank: Customers can sign up the service and open a RMB settlement account at any of our branches.

For new securities trading customer: Customers can open a securities trading account via any of our branches or Online Banking. Please be reminded that RMB Settlement Account should be set up for the securities trading account in order to be eligible for trading in RMB denominated stock listed on SEHK, SSE and SZSE.

Special arrangement on unsettled fund

Due to the difference in cash settlement cycles of SEHK, SSE and SZSE, customer’s purchasing power with the unsettled fund in different markets will be different. Below is the illustration example:

RMB (“¥”) Trade Day - 1 Trade Day Trade Day + 1 Trade Day + 2
RMB denominated securities listed in SEHK Customer Sell   ¥20,000    
SSE or SZSE securities Customer Buy     ¥5,000  
Cash Balance of RMB settlement Account at the beginning of trading day ¥10,000 ¥10,000 ¥10,000 ¥25,000
Held fund for purchased transaction 0 0 ¥5,000 0
Unsettled fund from the RMB sold transaction 0 ¥20,000 0 0
Customer's purchasing power in RMB for SEHK ¥10,000 ¥30,000 ¥25,000 ¥25,000
Customer's purchasing power RMB for SSE or SZSE ¥10,000 ¥10,000# ¥25,000* ¥25,000

# Due to the cash settlement date in SEHK is Trade Day + 2
* The unsettled fund used in Northbound Trading on Trade Day + 1: ¥10,000 (cash balance) + ¥20,000 (unsettled fund from the sold transaction which settle in Trade Day + 2) - ¥5,000 (held fund for purchased transaction which settle in Trade Day + 1) = ¥25,000

Is there any cut off time for Securities Settlement Instruction on transfer in / out of SSE and SZSE securities?

Yes. The Securities Settlement Instruction should be submitted to the Bank at least 1 business day prior to the expected transfer in / out date stated in the instruction form. The securities settlement instruction can only be handled by the Bank in the condition that both the Bank and counterparty received the completed customer’s transfer in /out instruction.

Securities Margin Trading

What is Securities Margin Trading?

With Securities Margin Trading, you only need to pay for a portion of the total cost that you deposit is initial margin. As you have borrowed money from the Bank to buy securities, the securities will be treated as collateral for the Margin facility.

How does the leverage work for Securities Margin Trading?

Below please find the illustration example on the leverage work for Securities Margin Trading:

Assume: 
Pledge Ratio of Stock A: 60%
No. of share that you are holding: 100
Price of Stock A: HK$100
Your Securities Asset Margin Value (Which indicates the current market value of your portfolio multiplied by their respective Pledge Ratio)
= HK$100 X 100X 60% = HK$6,000
(Fees, levies and other transaction costs are not included in the above example for simplicity. Please note that you still have the full amount of these fees, levies and other transaction costs under Securities Margin Trading arrangement)

Can I purchase stocks without utilizing the overdraft in my Securities Margin Trading Account?

Yes. You can continue to pay the purchase considerations in full cash.

If I deposit more cash than it is required for my cash margin, can I utilize the unused overdraft for the subsequent purchases in the future?

Yes.

How is the mechanism of margin fund transfer in / out?

  • The margin account will also be used as the primary settlement account. If there is insufficient fund in the margin account, the cash account as the secondary settlement account will be debited for the fund shortage.
  • Any surplus of cash in the margin account (usually after the stocks selling) will not be transferred back to the secondary settlement account (cash account) automatically. You will have to transfer the fund via our function “Margin Fund Transfer”.

What are the ways to withdraw cash from the margin trading account?

  • Margin transfer via Online Banking, which operates from 8:00 a.m. to 8:00 p.m. from Monday to Friday (except public holidays);
  • Visit our Securities Trading Center from 9:00 a.m. to 5:00 p.m. from Monday to Friday (except public holidays); or
  • Call our Securities Service hotline at 2903 8488 from 9:00 a.m. to 6:00 p.m. from Monday to Friday (except public holidays)

Will the fund transfer details be displayed in my statement?

Yes.

Will there be automatic funds transfer from settlement account to margin account if there is insufficient fund for my purchase transaction? If so, under what condition will it happen?

Yes, it will happen when there is insufficient fund for initial margin upon buy order (i.e. the sum of margin value of stocks and cash in margin account is less than the purchase amount).

Can I open both Securities Cash Trading account and Securities Margin Trading account in same account entity? If so, can I use the same settlement account for both?

Yes, but separate set of settlement accounts are needed. The account open procedure for Securities Margin Trading only can be completed at branch.

Can I have more information on the mechanism of margin call or liquidation or calculation of financing interest of Securities Margin Trading?

Yes. You can click here and refer to the Securities Margin Trading Factsheet of the Bank.

RMB Denominated Stock Trading

Should I use my existing securities account to trade RMB denominated stock? Is it required to set up a new settlement account for RMB stock trading?

Yes, you may use your existing securities account to trade RMB, but a RMB saving or current account has to be set up as the settlement account first.

Are the stamp duty, transaction fees for trading RMB denominated stock in RMB or HKD?

The stamp duties and transaction fees (including but not limited to Trading Fee, Transaction Levy) are in HKD, and if the stock is denominated in RMB, the exchange rate provided by HKEx will be applied for the conversion and will be deducted from RMB settlement account.

Can I trade RMB denominated stock with my margin trading account?

No.

Closing Auction Session

Which types of securities are eligible for Closing Auction Session (CAS)?

i) Major index constituent

  • Constituent stocks of Hang Seng Composite LargeCap and MidCap indexes H shares which have corresponding A shares listed on Mainland securities exchanges
  • H shares which have corresponding A shares listed on Mainland securities exchanges

ii) All ETFS

iii) Constituent stocks of Hang Seng Composite SmallCap index

What is the trading hours for CAS?

Period Full Day Trading Half Day Trading
Reference Price Fixing Period 16:00 – 16:01 12:00 – 12:01
Order Input Period 16:01 – 16:06 12:01 – 12:06
No Cancellation Period 16:06 – 16:08 12:06 – 12:08
Random Closing Period 16:08 – 16:10 12:08 – 12:10

Typhoon arrangement:

If Typhoon Signal No. 8 or above is hoisted before 15:45 (for full day trading) or 11:45 (for half day trading), trading will terminate 15 minutes after the hoisting of the Signal. There will be no CAS for that trading day if trading has not been resumed by 15:45 (for full day trading) or 11:45 (for half day trading).

If Typhoon Signal No. 8 or above is hoisted at or after 15:45 (for full day trading) or 11:45 (for half day trading), trading for the day will continue as normal until the end of the CAS.

How does CAS works?

16:00 – 16:01 16:01 – 16:06 16:06 – 16:08 16:08 – 16:10
Reference Price Fixing Period (1 min) Order Input Period (5 mins) No-Cancellation Period (2 mins) Random Closing Period (2 mins)
  • Calculate & publish reference price
  • Input new ALO in CCBA in this period is allowed, but it may be rejected by market when the relevant reference price is fixed.
  • The outstanding orders in Continuous Trading Session (CTS) which are within the allowable price limit (i.e. (+/- 5% from the reference price) will be automatically carried forward to CAS
Price limit allowed:
+/- 5% of reference price Within lowest ask & highest bid
Order type allowed in CCBA:
At-auction Limit order (ALO)
Order input, Cancellation & Amendment
Allowed input, cancel and amend Input allowed, cancel and amend not allowed
* Price spread checking on ALO in CAS:
- Allowable price limit (if applicable ) or 200 spreads or 9 times from the nominal price (whichever is lower)
  • Reference Price Fixing Period: The reference price is determined by HKEx by taking the median of 5 nominal prices in the last minute of the CTS. During this period, the reference price is not available. You can input your ALO through CCBA system but it will be stored in the Bank’s system and passed to the market during the Order Input Period.

  • Order Input Period: Only At-auction Limit Order (ALO) within the +/-5% of the reference price can be input. The ALO which is input during the Reference Price Fixing Period will be delivered to market. However, the order may be rejected by market if the price is out of the allowable price limit (within the +/-5% of the reference price). Please be reminded to check the order status in “Order Status / Order History” section of Online Banking or Mobile Banking after order input. Outstanding orders can also be amended or cancelled during this period.
  • No Cancellation Period: Only ALO with the price between the lowest ask and highest bid recorded at the end of Order Input Period can be input, and no orders can be amended or cancelled.
  • Random Closing Period: Market closes randomly within the last 2 minutes of CAS. After the period, there’s order matching for all CAS securities.

(To know more about the CAS, you may also refer to HKEx website

How does the order matching mechanism works?

After the end of Random Closing Period, orders are matched according to order type (at-auction order with higher priority than at-auction limit order), price and time priority at the final Indicative Equilibrium Price (IEP) (i.e. Closing Price).

If final IEF cannot be determined at the end of the CAS, reference price will become the final IEP. In this case, at-auction orders and at-auction limit orders with price at or better than the reference price will be matched at the reference price.

If both IEP and reference price cannot be determined, then there will be no automatic order matching.

How the outstanding orders in CTS will be handled?

For orders with the order status 'queued' in "Order Status / Order History" section of our Online Banking or Mobile Banking and the order price falls within the allowable price limit ( +/-5% from reference price) , the orders will be automatically carried forward to CAS.

For the order with the order status 'queued' in "Order Status / Order History" section of our Online Banking or Mobile Banking whereas the order price falls outside the allowable price limit (+/-5% from reference price), the order will not be carried forward to CAS automatically unless the order price is modified and falls within allowable price limit by customer during Order Input Period (16:01 – 16:06) of CAS.

How the unfilled / partially filled orders will be handled after CAS?

For Day order: Order of CAS Securities which have not been filled / partially filled will lapse after CAS close.

For Good-till-date (GTD) order: Order of CAS Securities which is unfilled / partially filled during CAS will be automatically carried forward to the next trading day until it is triggered or cancelled or expired.

Volatility Control Mechanism

Which types of securities / derivatives are covered by the Volatility Control Mechanism (VCM)?

The scope of securities/derivatives in VCM covers Hang Seng Index (HSI) and Hang Seng China Enterprise Index (HSCEI) constituent stocks and the related index futures contracts.

Which trading session(s) that VCM will be triggered?

VCM is applicable during Continuous Trading Session (CTS) except the first 15 minutes of the morning and afternoon CTS and the last 15 minutes of the afternoon CTS. VCM will only last for 5 minutes and it will be triggered 1 time in each trading session for each stock / derivative and no VCM monitoring for the relevant stock / derivative within the same CTS. If morning session of CTS closes before the end of cooling off period, the remaining time of the cooling off period will not be brought forward to afternoon session of CTS.
For market open is delayed due to typhoon signal No. 8 or above is hoisted or black rainstorm, first 15 minutes after market open will still not subject to VCM.
For early market close due to typhoon signal No. 8 or above is hoisted during the trading hour, VCM can still be triggered in the last 15 minutes before market close and continue until market close.

How does the VCM work?

If the market tries to trade VCM’s stocks at a price of more than 10% away from its last traded price 5 minutes ago (“Reference Price”), VCM is triggered (last for 5 minutes). During this cooling-off period, the affected stock will be only allowed to trade within a fixed band of +/- 10% from the Reference Price and only those orders with input price within the fixed band will be accepted. 
When VCM is triggered, the orders which trigger the VCM and the outstanding orders which are queued in the market for matching (the order status of such order is ‘queued’ in the Bank) and the price is set outside the fixed band will be rejected by the market immediately. A SMS notification for rejection will be sent to customers’ mobile if the order is placed via our automated trading platform (e.g. Online Banking or Mobile Banking). Customer can also enquire the order status at “Order Status / Order History” section of Online Banking or Mobile Banking or via our Securities Trading Hotline.

(To know more about the VCM, please refer to the website of HKEx http://www.hkex.com.hk/vcm/en/index.htm)

How the reference price of VCM being determined?

The reference price should be the last price executed 5 minutes ago. If there is no trade execution 5 minutes before, system will further search backward for the latest last traded price as reference price. This search can go backward till market open where the auction price established during the Pre-opening Session will be used as reference price.
If there is no trade execution from market open to 5 minutes before the start of VCM monitoring, system will use the first traded price as the reference price until there is subsequent execution.

 

Note:

The information contained in these FAQs are for your information only. They are not intended to constitute legal or other professional advice, and you should not rely on any information in this document as an investment advice. CCB(Asia) assumes no responsibility for any errors, omissions or statements within these FAQs, or for any loss or damage (direct or indirect) which may arise from the use of or reliance on any information contained in these FAQs.

eIPO

What is eIPO Service?

IPO stands for Initial Public Offering that is the first time a company issues shares or bonds to public investor. The newly issued securities or bonds may be listed on stock exchange. eIPO service means a service offered by the Bank of subscription for new issued shares through internet.

What are the benefits of eIPO?

1. Time Saving:
No more queuing up in long lines to obtain or submit application forms or write checks for IPO subscriptions.

2. Reliable:
Deposit your allotted shares directly into your securities trading account with us to avoid any delay or loss of certificates in the mail.

3. Fast:
Instant trading of the allotted shares on the first trading day.

Pre-registration is required for eIPO Service?

Customers who use our eIPO Service should maintain securities account and Online Banking Service with our Bank.

How to make application payment?

Payment of application money will be made by direct debiting to your settlement account on or after payment deadline. However, please ensure you have sufficient fund in your settlement account on or before the payment deadline. Otherwise, your application will not be processed.

Is eIPO Service available 24 hours a day?

Yes. You may submit application online anytime between the eIPO Application Starting Date and Application Deadline that can be found at the eIPO Center of our Bank.

What are the steps of using eIPO Service?

Step 1 Read carefully any information about the new issued shares at the eIPO Center of our Bank.
Step 2 Before making an application, read thoroughly and agree with all the "Terms & Conditions for eIPO Services";
Step 3 Reading carefully the Prospectus relating to the IPO company and all other relevant Terms and Conditions.
Step 4
  1. If you agree with all the terms and conditions, you can complete the online application form.

Once you confirmed the application, you cannot amend or cancel your application. Please check the information carefully and ensure that the information provided by you is correct.

After the Bank has received an online instruction, a confirmation of receipt of instruction with the reference number assigned for such instruction will be posted. The Applicant is advised to print and keep a hard copy of such confirmation for record.

Payment of application money will be made by direct debiting to your settlement account.

Step 5 Your allotted securities will be deposited into your designated securities account on the first listing (issue) day, which allow you to take actions instantly according to market conditions. Refund of Application Money will be credited back to your settlement account within the days specified in the prospectus.

Can I complete the application form of eIPO Service of the Bank in Chinese or English?

Whether the Applicant uses the Chinese or English version of the online application form, you must complete the form in English only.

Can I submit more than one application for the same IPO?

No. The applicant should submit only one application; The Bank shall not process any instruction by reason of multiple applications.

Which applications form eIPO Service is like?

eIPO Service form is like yellow application form. The Bank in the name of your nominee submits application for you. All the payment of application money will be debited to the settlement account through Auto-Pay Method. Your allotted securities will be deposited into your designated securities account. And refund of Application Money (If any) will be credited back to your settlement account.

How do I know if my application instruction has been submitted successfully?

After the Bank has received an online instruction, a confirmation of receipt of instruction with the reference number assigned for such instruction will be posted on relevant webpage. The Applicant is advised to print and keep a hard copy of such confirmation for record. Moreover, please ensure you have sufficient fund in your settlement account on or before the payment deadline. Otherwise, your application will not be processed.

Can I amend or cancel my eIPO application?

No. Once you confirmed the application, you cannot amend or cancel your application.

How do I know whether the securities are allotted to me?

Your allotted securities will be deposited into your designated securities account on the first listing (issue) day. Allocation, and arrangements for announcing the results of the allocation, of securities shall be the sole responsibility of the Offeror and should be specified in the prospectus or the relevant offering documents issued in respect of the relevant Public Offer.

How will I be refunded?

If you receive allotted shares with partially successful or unsuccessful, the application of money will be credited back to your settlement account within the days specified in the respective prospectus.

Mutual Funds

Can I trade mutual fund online?

Yes, you can trade mutual fund online immediately if you are our mutual fund customer and have also registered to use our Online Mutual Fund Service. If you have not yet opened a mutual fund account, you can apply through any of our Branches. Customers can also register to become an Online Banking customer through our Branches, Bank By Phone or Web site.

Can I subscribe/redeem/switch investment funds via Online Mutual Fund Services?

You can subscribe/redeem/switch mutual funds online.

Which funds can I subscribe online?

You can subscribe funds online which have Prospectus and relevant Offering Document provided by the respective fund houses. Learn more.

What is the minimum investment amount?

The minimum investment amount is HKD10,000 or its equivalent.

Which currency can I use to subscribe fund(s)?

You can use the currency denominated in your account holding to subscribe fund(s). For example, if you have a USD savings account, you can use USD to subscribe.

How do I know the Bank has accepted my order?

After you placed an order, you will receive an Order Reference Number. You can use this Order Reference Number to check your order status through the “order status” function. Once a transaction has been settled, you can check the transaction details by using the “Transaction History” function. Moreover, a notification letter will be sent to you by mail to confirm your transaction details. The Transaction Reference Number shown in the “Transaction History” screen will also be marked in this notification letter for your reference.

Can I amend / cancel my instruction online?

No, you cannot make any amendment / cancellation through Online Mutual Fund Service.

What kind of information can I find online?

You can obtain comprehensive fund information online. They include:

  • Prospectus, key facts statement, fund factsheet as well as interim & annual reports; and
  • Latest fund price, currency, return, risk etc.; and
  • Updated market commentary and analysis.

How do I search for the fund(s) I want?

You can search fund(s) by entering fund house, asset class, region and/or currency etc. You can also use the "Fund Search" function to access detailed fund information.

Where can I obtain a copy of the funds’ offering document for reference?

You can obtain the document at any of our Branches or through Customer Service Hotline at (852)2779 5533.

Apart from the trade related fee as specified in the fund’s offering document and the bank’s Schedule of fees and charges, are there any additional fees charged for using the Online Mutual Fund Services to subscribe/redeem/switch funds?

No, there is no extra cost for using Online Mutual Fund Services.

Which type of fund switching order I can submit via Online Mutual Fund Services?

Customer can submit two types of switching orders:

  • "Same Fund House Switching" involves the switching of your investment from one fund to another fund of the same class under the same series offered by the same fund house.
  • "Cross Fund House Switching" involves the switching of your investment from one fund to another fund of different fund houses or under the situations other than those being categorized as "Same Fund House Switching"

Please note that "Cross Fund House Switching" order involves the use of cash proceeds received from the redemption of the currently-held fund (i.e. a redemption transaction) to purchase the new fund that selected (i.e. a subscription transaction); therefore, the subscription transaction can only be executed after the Bank has received the proceeds of the redemption transaction and consequently the resulted time gap may expose the investor to the market risk due to the fund price fluctuation. The redemption and subscription orders are subject to the acceptance by the Bank and/or the relevant fund house(s). Notification will be made to the affected customer if the redemption and/or subscription order(s) is/are not accepted by the Bank or the relevant fund house(s) for any reasons.

For the "Cross fund House Switching", the transaction may be subject to both a redemption fee and a subscription fee charged by the respective fund house(s) depending on the prevailing terms and conditions at the time of processing the respective redemption and subscription orders, and the resulted fees may be higher than the fee charged for the switching transaction for the funds under the same fund house.

What are the service hours of Mutual Fund online services?

Please refer to the Mutual Fund Trading in Online Banking Service Time Table.

FX Linked Deposit

What is the minimum deposit amount?

The minimum deposit amount is USD10,000 or equivalent.

What is the maximum deposit amount?

The maximum deposit amount is USD250,000 or equivalent.

What currency pair combinations are available?

You may choose any currency combinations between HKD or USD and EUR, JPY, AUD, NZD, CAD, GBP, CHF.

Is there any subscription charge for FX Linked Deposit displacement online?

No.

What are the service hours for FX Linked Deposit displacement through online banking?

Please refer to the FX Lined Deposit Placement in Online Banking Service Time Table.

How do I place FX Linked Deposit?

To place a FX Linked Deposit, go to "Deposit Displacement" of "FX Linked Deposit" under "Investments". Fill in the required information, get the updated rate and choose your initial exchange rate.

How can I cancel the deposit after booking?

After confirmation of FX Linked Deposit displacement, the deposit cannot be cancelled until maturity.

How do I know the repayment amount and currency of the FX Linked Deposit booking on maturity date?

Set up Online FX Linked Deposit Maturity eAlert and you will receive notification via SMS upon maturity.

Will I receive an advice for FX Linked Deposit online booking?

Yes, you will receive a transaction advice.

How long will my placement history be available?

Each placement record will be available for 3 months on Online Banking.

When will the fixing exchange rate be updated in "Placement History" under "FX Linked Deposit"?

For FX linked deposit placed at Online Banking, the fixing exchange rate will be updated at around 3:00 pm on the fixing date.

For FX linked deposit placed at branch, fixing exchange rate will be updated on the next business day after the fixing date.

Why can't I see the FX Linked Deposit placed today in "Portfolio" under "FX Linked Deposit"?

The FX Linked Deposit will be shown on Online Banking one business day after the Deposit Start Date.

FX Margin

What is the minimum investment and transaction amount of FX Margin Trading?

The minimum deposit amount is USD5,000 or equivalent. The minimum transaction amount is USD100,000 or equivalent.

How many currencies can I choose from?

You can choose from 12 trading currencies.

Is there any handling fee if I open an account?

There is no set-up fee for opening an account.

What interest can I earn in my margin deposit account? Can I use time deposit as margin?

You can earn overnight deposit interest for your margin deposit account. And you can also use time deposit as margin.

Why should I choose China Construction Bank (Asia)'s FX Margin Trading Service?

Our FX Margin Trading Service is not just simply providing trading service, it also offers professional advisory service and comprehensive market information to help you make the best investment decision. What's more, our 24 hours service can serve your investment need anytime. Learn more.

How should I apply?

Just Call our Customer Service Hotline at (852) 2779 5533 or visit any of our Banking Branches.

What FX Margin services are available on Online Banking?

FX Margin enquiry service is available on Online Banking.

How long will my transaction history be available online?

Each transaction will be available for 3 months on Online Banking.

Gold Trading

Important Notes: 

  • Investment involves risks. Customers may lose all of the principal amount invested in the worst scenario.
  • Customers should not invest in Gold Trading based on this webpage alone. Before making any investment decision, customers are encouraged to consult their own independent financial advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.
  • Gold Trading is not equivalent to or an alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong.

What is the minimum trading unit?

The minimum trading unit is one ounce.

Are there any trading limits?

The maximum trading amounts are HKD2,000,000 per transaction and HKD6,000,000 per day.

Are there any service charges for Gold Trading?

No.

What are the service hours for online Gold Trading?

Please refer to the Gold Trading in Online Banking Service Time Table.

How do I trade Gold?

To trade Gold, please click “Gold Trading” under “Gold” in “Investment” menu.

How can I check my order status?

To check your order status of the day, go to "Holdings Enquiry" under "Gold Trading". Online transactions will be available only.

How can I check my transaction history?

To check your order status of the day, go to "Transaction Enquiry" under "Gold Trading". Online transactions will be available only.

How long will my transaction history be available online?

Transactions will be available for one year.

Investment Profile Questionnaire

What is an Investment Profile Questionnaire?

The questionnaire is designed to help you consider your attitude toward investment risks. It asks questions which provide some indication of the overall general attitude toward risk for a typical investor displaying your personal investment characteristics. It may not match your actual attitude toward investment risk, but it indicates the profile you may fit into. The results of this questionnaire are derived from information that you have provided to the Bank, and only serve as a reference for your consideration when making your own investment decisions.

How often should I update the information?

You are advised to fill in the questionnaire at least once a year.

Investment Glossary

Please click here for the Investment Glossary.

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 it simply, secure data such as your Username and Password are scrambled in our encryption/cryptography process and will not be easily seen by unauthorised 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 inside the China Construction Bank (Asia) Online Banking site, you are secure through our use of SSL technology.

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.

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 unauthorised 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.

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

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.

What can be done if I suspect unauthorised access to my account ?

Call our Customer Service Hotline at (852) 2779 5533 during operating hours or visit any of our branches and 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 (Asia) site by entering or bookmarked our website addresswww.asia.ccb.com/hk / 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" and “olb.ccb.com/login_hk.jsp” 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

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

What is Trojan Horse?

Trojan Horse is a malicious computer programme 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

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

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

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

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 Customer Service Hotline at (852) 2779 5533 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.


Others

Can I request for a cashier's order online?

Yes, simply choose “Appointment for Branch Services” under "Service Request" in “My Account” menu, then select "Cashier's Order" at "Please specify the service you want". You may collect the order at your selected Branch on the date you specified.

Please note that the application amount and related charges will be debited upon collection of the Cashier's Order. If currency exchange is involved, the exchange rate will be the prevailing rate on the actual collection date of the Cashier's Order.

Can I request for a demand draft online?

Yes, simply choose “Appointment for Branch Services” under "Service Request" in “My Account” menu, then select "Demand Draft" at "Please specify the service you want" . You may collect the order at your selected Branch on the date you specified. 

Please note that the application amount and related charges will be debited upon collection of the Cashier's Order. If currency exchange is involved, the exchange rate will be the prevailing rate on the actual collection date of the Cashier's Order.

Can I order a paper statement online?

Yes, simply choose "Statement" under "Service Request" in "My Account" menu. You may choose to order transaction since last statement, last statement or previous statement. You will receive the requested statement within one week. Please ensure your account has sufficient balance for the service fee.

Can I order a checkbook online?

Yes, simply choose "Checkbook" under "Service Request" in "My Account" menu. You may choose the checkbook style and delivery method. Two checkbooks will be delivered to you within one week. Please ensure your account has sufficient balance for the service fee.

Can I stop check payment online?

Yes, simply choose "Stop Check" under "Service Request" in "My Account" menu. Please note that service fee will be debited from the account for the stop-payment of check request.

Can I check the latest rates online?

Yes, you may check for the deposit rates, FX rates, loan rates and gold prices by choosing the rates under "Rate Enquiry" in "My Account" menu. Please note that the rates are for reference only.

Is the exchange rate provided by "Online Banking" up-to-date?

The exchange rate provided online is for reference only. Before you conduct each transaction, acknowledgement page will display the actual transaction exchange rate.

Where can I download the paper forms?

Choose "Forms Download" under “More Service” in "My Account" menu.

Why do I need to fill in paper forms for some service?

For security reason, your signature would be required for some services.

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

You can call our Customer Service Hotline at (852) 2779 5533 during operating hours for our personal bankers.

 

Risk Disclosure 

Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotional material alone. Before making any investment decision, customers must consult their own independent financial advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products. 

Securities Trading

It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.

Shanghai-Hong Kong Stock Connect/Shenzhen-Hong Kong Stock Connect

Shanghai-Hong Kong Stock Connect/Shenzhen-Hong Kong Stock Connect are not covered by Hong Kong’s Investor Compensation Fund. It involves risks of quotas used up, difference in trading day, restrictions on selling imposed by front-end monitoring, recalling of eligible stocks, and mainland market risk.

Securities Margin Trading

If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.

RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

Online Investment Trading Services

Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.

Initial Public Offering

The price of a security may move up or down, and may become valueless. There is a risk that losses may be incurred rather than making profits. You should read the relevant prospectus for detailed information about the proposed offer. You should also obtain independent financial professional advice before making any investment decision. This webpage does not constitute an offer or an invitation or an inducement by the Bank to any person to acquire, purchase or subscribe for the shares proposed to be offered.

Mutual Fund Investment

The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.

FX Linked Deposit

FX linked deposit is an unlisted investment product and subject to the credit and insolvency risk of the Bank. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Exchange rates are affected by a wide range of factors, including international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected. FX linked deposit is not the same as investing in its linked currency. It is not protected by the Investor Compensation Fund. If the FX linked deposit is approved by the Bank to be withdrawn before its maturity, the customer may also need to bear the costs involved which may reduce the return and the principal amount of FX linked deposit he may get back. There is no secondary market for the FX linked deposit and it is not collateralized. The Bank can early terminate FX linked deposit.

FX Margin Trading

The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop loss” or “stop limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position will be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. Please refer to the risk disclosures in the specific documentation of these products before making a decision to invest using margin or leverage.

Gold Trading

The gold market is volatile and a loss may be incurred from trading gold. Gold does not bear interest. A customer's purchase of gold for the account does not represent a purchase of physical gold or a deposit of money. Customers will not have any interest in any gold owned or held by the Bank, or be entitled to physical delivery of gold. Although investment may bring about profit opportunities, each kind of investment tool comes with its own risks. Due to the fluctuating nature of the gold market, the gold price may rise or fall beyond customers' expectations and the losses may substantially reduce customers' capital invested and earnings (if any). Customers' investments in Gold Trading are subject to the credit risk of the Bank. Before making any investment decision, customers should assess their own willingness and ability to bear risks and seek advice from independent financial advisors. Gold Trading (the "Scheme") has been authorized by the Securities and Futures Commission ("SFC"). The SFC's authorization of the Scheme is not an endorsement or recommendation of the Scheme nor does it guarantee the commercial merits of the Scheme or its performance. It does not mean the Scheme is suitable for all investors nor it is an endorsement of its suitability for any particular investor or class of investors.

Disclaimer 

This webpage does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. This webpage, the FX linked deposits and FX options abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Companies Ordinance and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This webpage has not been reviewed by any regulatory authorities in Hong Kong.