Credit Card Electronic Fund Transfer

Transfer at ease

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Transfer at ease with Electronic Fund Transfer from your
CCB(Asia) Credit Cards to other local banks
How to do Electronic Fund Transfer from Credit Cards via Mobile Banking
How to adjust Transfer Limits at Mobile Banking & Online Banking
Step 1/9
After login Mobile Banking, go to "Transfer/Payment"
Step 2/9
Selec "FPS/ Local Bank Transfer"
Step 3/9
Select "Debit Account"
3.8% handling fee will apply to the transferred amount (Minimum HKD40)
Step 4/9
Select "New Payee"
Step 5/9
Select "Transfer Method"
Step 6/9
Check and confirm the "Debit Account" and "Receipt Account" and click Next
3.8% handling fee will apply to the transferred amount (Minimum HKD40)
Step 7/9
Enter "Transfer Amount"
Step 8/9
Verify the transaction details and "Confirm"
Step 9/9
Complete


Step 1/9
Login Mobile Banking
Step 2/9
Select "Security Center" in the upper left corner
Step 3/9
Select "Transaction Limit Setting"
Step 4/9
Select "Fund Transfer" and transfer account or set a daily transfer limit
Step 5/9
Select "Unregistered Accounts with CCB (Asia) and Other Local Banks"
Step 6/9
Enter "Limit"
(The maximum limit for transfer to unregistered accounts is HKD 100,000)
Step 7/9
Enter "Limit" and confirm
Step 8/9
Enter "6-digit Mobile Token Password"
Step 9/9
Complete



Frequently Asked Questions

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Terms & Conditions
Terms & Conditions for using Credit Card Electronic Fund Transfer Services (the “Terms and Conditions”)

The Terms & Conditions is applicable to cardmembers (“Cardmember(s)”, “you” or “your”) of CCB (Asia) Credit Card (“Eligible Card(s)”) issued by China Construction Bank (Asia) Corporation Limited (the “Bank” or “we”).
  1. We provide the Credit Card Electronic Fund Transfer Service (the “Services”) to you to facilitate payments and funds transfers by using Faster Payment System (“FPS”). The FPS service is provided and operated by HKICL. The Services are therefore subject to the rules, guidelines and procedures imposed by HKICL in relation to the FPS from time to time and forms part of the Terms and Conditions.
  2. The Services are bound by the credit card available credit limit, the Bank’s daily limits for funds transfer, including Small-Value Fund Transfer Service (include transfer within the Bank and other banks in Hong Kong), Transfer to unregistered accounts (include transfer within the Bank and other banks in Hong Kong) and ‘Transfer to registered accounts (include transfer within the Bank and other banks in Hong Kong)’. For the daily limit of each transfer type, please refer to the Bank’s webpage > Home > e-Banking > Frequently Asked Questions > Frequently Asked Questions (Online Banking).
  3. Any instruction given by you in relation to Services will be handled by us in accordance with the Terms and Conditions and the applicable provisions in the Existing Credit Card and Banking Services Terms. You have to comply with the other obligations with respect to handling fee, payments, funds transfers and direct debit authorizations, including without limitation maintaining sufficient funds in the relevant accounts for settling payment and funds transfer instructions from time to time.
  4. Unless informed otherwise, we will charge a handling fee at a rate of 3.8% on the transferred amount (Minimum HKD40). Such handling fee could be amended from time to time and will be specified in our Schedule of Service Fees.
  5. Credit Card Electronic Fund Transfer are not eligible for credit card bonus points.
  6. The Bank provides Credit Card Electronic Fund Transfer for payment and funds transfer in Hong Kong dollars only.
  7. The Eligible Card account must be valid and in good standing at the time of transfer.
  8. By requesting us to setup or initiating any payment or funds transfer using the HKICL, you will be regarded as having accepted and will be bound by the provisions of this Terms & Conditions. You should not request us to transfer through any Proxy ID or set up any eDDA for you and should not initiate any payment or funds transfer using the HKICL unless you accept the provisions of this Terms & Conditions.
  9. In order to enable us to handle an instruction for you in relation to payment or funds transfer using HKICL, you have to provide or input the necessary information and complete the process by such means or in such manner prescribed by us from time to time.
  10. We reserve the right to suspend or terminate the Services in whole or in part at any time without giving notice or reason.
  11. You are fully responsible for using the correct and up-to-date records in giving each payment or funds transfer instruction. You are solely liable for and will hold us harmless from any incorrect payment or transfer due to incorrect or outdated records。
  12. You must comply with all the Terms and Conditions that govern your use of the Services, including collecting, using and handling the personal data and other information relating to any other person in compliance with the Regulatory Requirements protecting data privacy.
  13. You must not use the Services for any unlawful purposes or any purposes other than those authorised or contemplated in the rules, guidelines and procedures of HKICL.
  14. Chargeback rights/protection is not applicable to any transactions effected by Credit Card Electronic Fund Transfer using HKICL because such transactions will not go through credit card associations so the credit card associations chargeback rules will not apply. Such transfers are not eligible for credit card bonus points. As such, you agree and accept that there is no chargeback right or dispute handling for transactions effected through Credit Card Electronic Fund Transfer, and we do not accept dispute or chargeback handling for Credit Card Electronic Fund Transfer. Any contract between you and a recipient in respect of any goods or services provided to you by the recipient, or in respect of any payment obligation between you and a recipient, is independent of this clause and is entirely between you and such recipient. Accordingly, we assume no responsibility and will have no liability of any kind whatsoever in respect of your dealings with recipients including the amount, the proper and timely delivery of goods or services by recipients, cessation of business, winding up or bankruptcy of recipients. You remain solely and fully responsible for the timely and complete fulfilment of all your obligations towards your recipient (whether under contract or at law), including all payments to be made by you to a recipient. You agree to pursue all claims and disputes against the relevant recipient directly. Using Credit Card Electronic Fund Transfer indicates you agree and accept respective terms and conditions, you should not use the service if you do not agree and accept.
  15. We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with the use of the Services or the processing or execution of instructions or requests given by you in relation to the Services or HKICL, except to the extent that any loss, damage or expense incurred or suffered is direct and reasonably foreseeable arising directly and solely from our negligence or willful default or that of our officers, employees or agents.
  16. Your confirmation and indemnity - In no event will we, our affiliates or group companies, our licensors, and our and their respective officers, employees and agents be liable to you or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages (whether or not they were foreseeable or likely to occur).
  17. For the purposes of using the Services, you may be required to provide us with the personal data and other information relating to one or more of the following persons from time to time.
  18. You will indemnify us and our officers, employees and agents and hold each of them harmless against all liabilities, claims, demands, losses, damages, costs, charges and expenses of any kind (including legal fees on a full indemnity basis and other expenses reasonably incurred) which may be incurred or suffered by us or any of them and all actions or proceedings which may be brought by or against us or any of them as a result of or in connection with our provision of the Transfer Services or your use of the Transfer Services.
  19. The above indemnity does not apply to the extent that it is proved that any liabilities, claims, demands, losses, damages, costs, charges, expenses, actions or proceedings are direct and reasonably foreseeable arising directly and solely from our negligence or willful default or that of our officers, employees or agents. The above indemnity shall continue to have effect after the termination of the Services.
  20. All personal data and information provided to us or compiled by us from time to time in connection with the Services are collectively referred to as “Customer Information”.
  21. You agree (and, where applicable, for and on behalf of each of your directors, officers, employees, authorised persons and representatives) that we may collect, use, process, retain or transfer any of the Customer Information for the purposes of the Services. These purposes include without limitation one or more of the following:
    (i) Providing the Credit Card Electronic Fund Transfer Services to you, maintaining and operating the Credit Card Electronic Fund Transfer Services;
    (ii) Processing and executing your instructions and requests in relation to the Credit Card Electronic Fund Transfer Services from time to time;
    (iii) Disclosing or transferring the Customer Information to HKICL and other Participants for their use for the purpose of the operation of HKICL system;
    (iv) Meeting the requirements to make disclosure under any Regulatory Requirements; and
    (v) Purposes relating to any of the above.
  22. You understand and agree that the Customer Information may be further disclosed or transferred by HKICL, us or any other Participants to their customers and any other third parties who are users of HKICL Transfer for the purposes of providing and operating the Addressing Service and the eDDA Service.
  23. If the Customer Information includes personal data or other information of any person other than yourself, you confirm that you will obtain and has obtained the consent from such person regarding the use (including disclosure and transfer) of his/her personal data and other information by HKICL, us and the other Participants as specified in this clause.