e-Account Service

A. General Enquiry

1. What is e-Account Service?

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

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

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

   • Hong Kong Resident and aged 18 years or above;
   • Valid Hong Kong Permanent or Non-Permanent Identity Card (HKID) holder (including the new smart HKID introduced on 26 November 2018). For Non-Permanent HKID holder, limited to holder with Nationality of China / Macao China / United Kingdom / Canada / Australia / New Zealand;
   • Personal customer (Except Private Banking and Commercial Banking customers);
   • A non-U.S. person (A U.S. person generally means a U.S. citizen or resident individual who holds an Alien Registration Card (or “green card”));
   • A tax resident of Hong Kong (if the customer is a tax resident of an additional jurisdiction, he/she is required to provide the Taxpayer Identification Number)

   For other customers or those who fail to pass the identity verification of e-Account Service, please visit our branches for account opening.

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

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

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

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

   Please ensure your mobile device operation system meets the minimum requirements, for further details, please visit Requirements of Mobile Operating System; and is equipped with front and back cameras for identity verification.

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

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

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

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

   When capture your HKID card, please ensure that:

   • remove any protection cover of the HKID card;
   • ensure there is no damage and/ or stain on the HKID card;
   • capture your HKID card with sufficient light, avoid dark or messy background and reflective surface or blocking the light source;
   • hold the edge of the HKID card and avoid blocking any information on the HKID card, do not place it on a flat surface;
   • keep your HKID card within the frame;
   • tilt your HKID card slowly according to the instruction; and
   • ensure your HKID card image is clear, non-reflective, in focus and not blurry

   When taking selfies, you need to:

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

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

7. Which type of documents are required to upload for opening account? E.g. Address proof?

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

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

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

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

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

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

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

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

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

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

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

B. Online Banking and Security Tips

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

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

2. In case I forget my Online Banking username and/or password, what can I do?
   • Forgot Online Banking Username:
     You can click "Forgot Username" on the logon page of Online Banking, follow the instruction on the page for the identity verification and input a SMS one-time password, then you can view the username for your Online Banking after the successful verification.
   • Forgot Online Banking “Password”:
     Online Banking: You can click "Forgot Password" on the logon page of Online Banking, follow the instruction on the page for the identity verification and input a SMS one-time password, then you can input the new password for your Online Banking after the verification success.
     Mobile Banking: Go to the Mobile App, choose “Security Center” on the left menu, then choose “Forget Password”, enter your identity card number and related account information. A SMS one-time password will be sent to your mobile phone number registered with the Bank for verification. And then you can reset the password. 
3. What are the security tips for using e-Account Service?
   • The Bank takes all reasonably practicable means to protect personal data. Encryption technology is employed for sensitive data transmission. For more details about our privacy policy on personal data handling, please read our Notice to Customers relating to the Personal Data (Privacy) Ordinance.
   • You should read the Bank’s Security Tips (visit our website) for Online Security from time to time to understand more about the measures you can take to enhance the security when using Online Banking Services.
   • You are recommended to take safeguard measures for your own protection when using the Online Banking, Mobile Banking and CCB (HK&MO) Mobile App.
   • Besides, some mobile services might request you to scan your HKID via their mobile apps. Please be aware and don’t store your HKID copy on your mobile device or share it with people that you don't trust, also, don’t scan your HKID with any untrusted apps.

C. Deposit Service

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

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

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

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

2. Is the deposit protected?

   Deposits in the account(s) are qualified for protection. China Construction Bank (Asia) Corporation Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by the Bank are qualified for protection under the Deposit Protection Scheme up to a limit of HK$800,000 per depositor.

3. Can I enroll checking account service?

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

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

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

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

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

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

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

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

   Once the final verification of the account is completed (take around 2 to 3 working days), the deposit and withdrawal functions of the account will be available, and you can perform transactions including funds deposit, transfer to account of other bank under the same name or third party’s name in Hong Kong. If you would like to use the unregistered account fund transfer service, please visit our branch to apply for the unregistered account fund transfer service and security token first.

D. ATM Service

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

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

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

1. How to open investment account and place transactions?

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

2. What is residential address verification?

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

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

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

• RMB Currency Risk: RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies.
• Foreign Exchange Risk: 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 forces may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall rapidly.