BoC Pay is a mobile application developed by Bank of China (Hong Kong) Limited ("the Bank" or "BOCHK") with the following main features:
Bind with BOC UnionPay Dual Currency Credit Card, Smart Account or Payment Account to conduct the following transactions:
Scan QR code to pay:
Present QR code to pay:
Funds Transfer:
Set up HKD Receiving Account of FPS:
Account Top-up and Remaining Balance Transfer to Bank Account
Biometric Authentication:
| Age | 18 years old or above | |
| Your service status in our bank | Email address | Valid |
| Mobile phone number | Valid mobile number | |
| Internet banking or ATM Card or Credit Card |
Valid internet banking service or Valid ATM Card issued by BOCHK or Valid BOC Credit Card linked with bank accounts |
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| The account to activate the Smart Account Service ("Master Account") |
Maintain a valid HKD current or Savings Account under your sole name |
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| Daily transaction limit | Capped at HKD$10,000, initially set at account registration, or adjust in Mobile Banking or BoC Pay. | |
| Number of Smart Account registered by a customer | One |
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Non-BOCHK bank account holders who meet the requirements of opening a Payment Account are eligible to register a BoC Pay account.
This App supports all the iOS models (10.0 version or above) and Android models (6.0 version or above).
Yes. For those who are eligible can use this App to register and open Payment Accounts.
Yes, you can still use BoC Pay after changing your smartphone. You can download and install BoC Pay with new smartphone, and follow the instructions to login (enter the mobile number registered, with the SMS One-time password and the payment passcode). The original session in your old smartphone will be logout afterwards.
When you are registering for BoC Pay service with a new Payment Account, BoC Pay will need to capture images of your HKID and your face. We would also invite you to our branches to open a bank account if necessary.
There are various reasons. For instance, if the images of your HKID taken were not clear enough, or you need to provide extra documents to open the account, we would invite you to our branches.
The registration could normally be finished within 10 minutes and will be processed within 24 hours. Under normal circumstances, your registration will be approved instantly. You will be able to use the BoC Pay service after approval. We will notify you the result via SMS or E-mail as soon as possible.
Yes, you need to check and ensure that all the information that you have submitted is correct (including information of your HKID). If any information you provided was incorrect, we will have the right to terminate your service.
You can use BoC Pay for QR code payment in UnionPay QR code supported merchants worldwide. BoC Pay service will be accepted in merchants with "UnionPay QR code" stickers, equipped with smart devices that can display UnionPay QR code or equipped with payment reader with "UnionPay QR code" symbols.
If you have linked your Smart Account or Payment Account to BoC Pay, you can also make payment with merchants which support FPS. Merchants that accept FPS will display a FPS service logo assigned by associated authority at their point-of-sales.
BoC Pay allows you to make payment by scanning FPS QR code or UnionPay QR code presented by merchants or third parties under FPS networks or UnionPay QR code networks.
To scan a QR code and make payment:
When using this mode a QR code will be generated from BoC Pay for the payer. The payee (merchants) will complete the transactions by scanning the QR code.
To make payment:
Currently, you can only make payment in "Customer Presented" QR code payment mode with UnionPay QR code merchants.
No charges will be imposed at this stage for BoC Pay service. For details on credit card handling fees, please refer to the "BOC CUP Dual Currency Credit Card Fees Schedule".
For funds transfer, tap "Transfer" in home screen, select a transfer method and follow the instructions to complete the transfer. BoC Pay supports transfer by using payee's mobile number, email address or by scanning the payee's FPS QR code. Transfer will be made through Faster Payment System ("FPS") depending on your selection.
Yes, you can transfer to another user with his/her mobile number. For the payee with a Smart Account or Payment Account, you can simply input his/her mobile number, amount to transfer, and a message (optional) to do a transfer.
To receive a payment, tap "Transfer" in home screen, select "My Collect QR Code", a QR code will be generated. Payer can make payment to you by scanning such QR code. Payment will be received into the pre-selected bank account linked under FPS service.
No. You have to successfully bind Smart Account or Payment Account to BoC Pay to use the Transfer service.
Yes. You can change the daily transfer limit of Transfer function by setting the daily transaction limit under the "Settings" section in My Account. For further information on daily transaction limit, please refer to section 4.2 in this FAQ.
The service does not incur any charges to payer and payee.
However, your mobile network operator may charge the mobile data usage when accessing the services.
Yes.
You can choose a payee from “Recent Records” during a transfer transaction. The list supports up to 5 most recent payees. There is a mobile number with a name-of-your-choice per line. The name-of-your-choice is amendable in the confirmation page of a transaction.
If any third party using your mobile number, email address or by scanning the payee's FPS QR code in BoC Pay to make payment to you, our Bank will notify you of the payment receipt via SMS and email.
If you complete a Transfer transaction via the mobile app, our Bank will send transaction confirmation notification to you via SMS and email.
If payer completes the transfer by scanning the QR code generated in your BoC Pay or via Fast Payment System, the funds will be credited to the pre-selected beneficiary bank account registered under FPS service.
No. Without binding Smart Account or Payment Account in BoC Pay, you cannot use the "My Collect QR Code" function in BoC Pay to receive funds transfers.
No. You cannot cancel or amend a transfer once it is confirmed by payment passcode or biometric authentication. Please make sure correct information is provided before confirming with payment passcode or biometric authentication.
"FPS" is the acronym for Faster Payment System which is a system launched by Hong Kong Monetary Authority (HKMA). Through FPS, you may make transfers and payments to the accounts of local banks and SVF accounts, 24 hours of a day, seven days a week in real-time mode. If the payee has registered to use mobile number, email address to associate with the account through the receiving bank/institution (such as SVF Operator), you can make payment to the payee by entering the mobile number, email address or FPS ID (depending on payee's registered information) to identify the account to receive your payment.
FPS supports the use of predefined Proxy ID, i.e. mobile number, email address, or FPS ID (for corporate accounts), to identify the payee account. If the payee has registered to use Proxy ID to associate with his/her account through the receiving bank/institution (such as SVF Operator), the payer can simply enter the Proxy ID when making transfers to the payee account.
You can register FPS with your mobile number or email address to your Smart Account or Payment Account in the [My Account]-[FPS Registrations] or [Settings]-[Payment Setting]- [FPS Registrations] on BoC Pay. During the registration, we will send a SMS or email to you for verification purpose. When the verification is completed, the Bank will bind your mobile number/email address to bank account and register them at the FPS System.
You can only bind Smart Account on BoC Pay as HKD Receiving Account.
If your Smart Account or Payment Account is set up as the receiving account with FPS, payer needs to observe the Smart Account or Payment Account maximum balance (up to HKD$10,000) requirement when transferring fund to a Smart Account or Payment Account.
No. If you have already registered the FPS HKD Receiving Account with BOCHK, you should delete that addressing record before binding Smart Account or Payment Account with the same mobile number or email address.
Yes. One mobile number or email address can bind to different bank accounts; you can choose any bank as the FPS default receiving bank.
You can deregister or unbind any registration information with our bank on BoC Pay's "FPS Register" function. You can also deregister/ unbind any other banks registration information on by enquiring FPS system's record on "Enquire Registration Records".After deregistration/ unbind, you cannot receive funds with the previous mobile number/ email address. If you deregistered/ unbind your registration with our Bank but kept the registration with other banks, you may still receive funds to other banks with your mobile number or email address.
You can enquire all FPS registration records in [FPS registrations] on BoC Pay; you can also check your FPS addressing records in [My Setting]-[FPS Addressing] through personal mobile banking or internet banking, if you are the user of it.
Please visit the following link to view the FAQ regarding Smart Account service:
https://www.bochk.com/dam/deposits/smart_account_service/smartaccount_FAQ_en.pdf
Without going to the bank in person, you can open a Payment Account for mobile payments and funds transfer.
Each eligible customer can have one Payment Account.
The following are the eligibility criteria for registration for Payment Account Service:
| Age | 18 years old or above |
| Required Documents | Valid Hong Kong Identity Card ( Hong Kong Identity Card or Hong Kong Permanent Identity card ) |
| Customers | - Customers who does not currently have a BOCHK account. - Only accept nationality (Country/Region) of "China" or "Hong Kong, China", or "Macao, China" - Please visit our branch for opening bank account if customer do not fall in above items |
| Phone number, e-mail address & residential address | Valid mobile number(only accept area code of "Hong Kong, China", "China" or "Macao, China", e-mail address and residential address (only accept area of"Hong Kong, China") |
| Daily transaction limit | Cap at HKD10,000, initially set at account registration, or adjust in mobile app BoC Pay |
You can only open a Payment Account via BoC Pay.
Payment Account uses HKD as the currency for settlement. Multiple currencies including but not limited to RMB are also supported for Payment Trasactions (depends on the support of UnionPay network).
No, we only accept register Payment Account by your single name.
Transaction security is a prime concern of BOCHK. To open a Payment Account, we need your mobile number to send you SMS one-time password; as well as confirmation notifications.
Transaction security is a prime concern of BOCHK. We use your email address to send you notifications of transactions.
BoC Pay does not support holder of new Smart Identity Card to register Payment Account at this stage.
BoC Pay does not support non-HKID card holders to register Payment Account at this stage. To use BoC Pay service, you go to any of our branches to open a bank account if needed.
BoC Pay only accept customer who nationality (Country / Region) is "China", "Hong Kong, China" and "Macao, China" to register at this stage.
Yes. If you hold both Payment Account and bank accounts, personal data provided while registering bank accounts will be adopted by our bank.
No.
Your registration is being processed if you see the message. You can still login BoC Pay, though you will not be able to do any transaction at that point. You will be notified via SMS and E-mail about the result of your registration. If a successful account opening notification is received, you can enjoy the BoC Pay service.
Your daily transaction limit is capped at HKD10,000. (Only payment expenditure will be counted, the deposit amount will not be counted)
You can adjust the Payment Account daily transaction limit, subject to a cap of HKD10,000.
The daily balance limit of Payment Account is capped at HKD10,000.
No.
The yearly transaction limit of Payment Account is capped at HKD100,000. (Only payment expenditure will be counted, the deposit amount will not be counted, which is accumulated from 1 January to 31 December). The yearly transaction limit will be accumulated if you cancel the original Payment Account and register new Payment Account.
No.
If you hold Payment Account and personal accounts/services maintained in our bank, you can fill in the "Contact Information Amendment Form (Personal Customer)"and "Customer Information Amendment Form (Personal Customer)", and submit these forms to any branch of our bank for amending personal information during opening the Payment Account. If you hold Payment Account only, you can cancel the original Payment Account and register a new one for updating the personal information.
No.
Forms are applicable for the customer who holds Payment Account and personal accounts/services maintained in our bank, those submitted personal information will be updated. Forms are not applicable to customer holding Payment Account only, you can cancel the original Payment Account and register a new one for updating the personal information.
The payment transaction will be rejected if the balance in the Payment Account is insufficient. Customer has to ensure sufficient balance in the Payment Account before making payment transaction.
No.
You can view the balance of Payment Account and transaction records of the past 180 days in BoC Pay. Transaction records and balance will not appear in your consolidated bank statement (if any), and no separate bank statements will be provided. You can view the latest deposit and payment transactions of Payment Account in BoC Pay. Upon your written request, BOCHK could provide written transaction records of a specified timeframe, subject to fees and charges (for details, please refer to our website https://www.bochk.com/en/servicecharge.common.html. The fee item is under "Request for savings/ fixed deposit account records" with "Other services".
Balance maintained in the Payment Account will not be entitled to any interest.
Your daily transaction limit is HKD10,000. If you have reached this limit, you could only effect transactions on the next day.
You can check the reasons for transaction failure in BoC Pay and take corresponding measures. If necessary, you are welcome to call our Personal Customer Service Hotline at (852) 3988 2388.
Yes. If there is no transaction made (e.g. financial or other) in Payment Account in two years, our bank will set a status of receive only but not allow payment on Payment Account. Please call our Customer Contact Centre or visit our branch if you would like to activate your Payment Account.
If you suspect your Payment Account has been used in an unauthorised way, you should suspend or close your Payment Account as soon as possible. Please contact us by calling our Personal Customer Service Hotline at (852) 3988 2388. There is a security alert mechanism in BoC Pay. If customer mobile number is being amended, system will alert customer that the mobile number is being changed and require to register Payment Account again.
At this stage, we will NOT impose any charges on individual payments or administrative fees on refunds of payments. However, we reserve the right to impose or adjust charges for services provided, with 30 days notification via written or electronic means. To avoid any doubt, during the use of Payment Account Service, you will bear any charges incurred by text message, mobile data usage or phone calls with your mobile service provider. You will also bear all the taxes (including goods and services tax) under applicable laws. Please refer latest announcement or update in our website www.bochk.com if you would like to know our fees and charges.
If you request written transaction records and balance of Payment Account, BOCHK could provide the respective transaction details in a certain period of time, while it may be subject to fees and charges as specified by us. (For details, please refer to our website https://www.bochk.com/en/servicecharge.common.html. The fee item is under "Request for savings/ fixed deposit account records" with "Other services".
You can terminate your Payment Account service in BoC Pay. The original transaction record will not be kept after terminate the Payment Account.
No. Payment Account can only be terminated when the balance is zero. If there is remaining balance in Payment Account, customer can make transfer or payment to make the balance to be zero and then terminate it.
You could contact our Personal Customer Service Hotline at (852) 3988 2388 for enquiry.
After terminating your Payment Account service, that original activated Payment Account will be closed. You are welcome to register again through BoC Pay and a new Payment Account will be opened for you.
You can suspend your Payment Account service in BoC Pay.
Yes, you could suspend your Payment Account service. The remaining balance will be kept in your account.
After suspension, Payment Account would be suspended immediately. You could reactive your Payment Account in BoC Pay.
You could reactivate your Payment Account in BoC Pay. After confirming with SMS one-time password and your payment passcode, you could reactivate your suspended Payment Account.
You could contact our Personal Customer Service Hotline at (852) 3988 2388 for enquiry.
If you have already open a Savings or Current Account of BOCHK, and have enabled ATM card or Internet Banking service, you can upgrade your Payment Account to a Smart Account. You just need to open BoC Pay, choose "Payment Account" in "Card", tap "Information", and choose "Upgrade Account". After completing the process, your account should be upgraded to Smart Account. The remaining balance of your Payment Account will be automatically transferred to your Smart Account, and your Payment Account will not be retained. (Please refer to 2.1, 2.2 for details)
To upgrade your Payment Account to a Smart Account, the mobile number you used to registered your Payment Account must be identical to the mobile number that you provided to the Bank when opening your bank account.
Yes, your account is upgradable. The remaining balance in your Payment Account will be transferred to your Smart Account. You need to set up the daily transaction limit for your Smart Account afterwards.
No, the payment passcode will not be changed after upgrading your account.
You can check your credit card(s), Smart Account or Payment Account added to this App through "Cards" at the bottom
You can find the transaction records for BoC Pay(including Payment Account, Smart Account or Credit Card(s)) through "Transactions"
If you are a BOCHK Mobile Banking customer, you can view your Smart Account transaction history in BOCHK Mobile Banking. Please visit the following link to view the FAQ regarding transaction history in Smart Account:
https://www.bochk.com/dam/deposits/smart_account_service/smartaccount_FAQ_en.pdf
If your credit card is bound with BoC Pay, you can check your credit card transactions associated to BoC Pay in your credit card statement.
You can check your transaction records by choosing "Transactions" in home screen. Payment Account customers can retrieve upto 180 days of transaction records; Smart Account customers can retrieve upto 180 days of trasactions records; Credit Card Customers can retreive upto 60 days or 40 transaction records (whichever is lower).
“Offset Spending with Gift Points” service allows you to redeem your Gift Points to offset the transaction if it is settled by BoC Pay QR payment in Hong Kong Dollar. To enjoy “Offset Spending with Gift Points”, you need to bind your BoC Pay with BOC Dual Currency Card. You can choose to use “Offset Spending with Gift Points” option on BoC Pay transaction. Every 250 Gift Points can be used to offset HK$1 of the transaction amount.
You can use “Offset Spending with Gift Points” service at merchants which support BoC Pay QR payment. The transaction should be in Hong Kong Dollar.
No. “Year(s) of Cardholding Discount” is not applicable to “Offset Spending with Gift Points”
The maximum redemption amount is the transaction amount in a whole number and the minimum redemption amount is HK$1 (250 Gift Points).
No. Each redemption may redeem up to the transaction amount in full with Gift Points or available Gift Points (whichever is lower).
“Offset Spending with Gift Points” service is only applicable to transaction made by BOC Dual Currency Card.
Gift Points will be first deducted from the selected BOC Dual Currency Card, If the selected credit card account does not have sufficient Gift Points to offset the transaction, the system will automatically deduct the remaining Gift Points from the cardholder’s other credit card account (including Visa / MasterCard) with the Gift Points to be expired the latest.
“Offset Spending with Gift Points” service can be used in transaction if it is settled by BoC Pay QR payment in Hong Kong Dollar. Transaction made in overseas and the mainland can be offset if settled in Hong Kong Dollar.
Yes.
No. If you returns or cancels the Transaction, the Gift Points used for offset will not be returned. The offset amount will be credited to your card account. Redeemed credit amount can be used to settle the outstanding retail spending by the credit card, but cannot be transferred, returned or exchanged for cash.
The amount offset by “Offset Spending with Gift Points” service will be posted into the cardholder’s credit card account within 3 working days after completion. Records of transaction and that of the Service may differ, and may be shown on different monthly statements, due to different cut-off dates of the credit card.
You can check it via “Transaction History” on BoC Pay. And, a SMS will be sent to you once the redemption of “Offset Spending with Gift Points” completed.
You can call our Credit Card Customer Service Hotline at (+852) 2853 8828.
Transaction security and account security are prime concerns of BOCHK, we have comprehensive measures to protect our customers, which include but are not limited to:
If you discover any suspicious credit card transactions, you shall immediately call BOC Card Customer Service Hotline at (852) 2853 8828 or call BOCHK Customer Service Hotline at (852) 3988 2388 for suspicious Smart Account or Payment Account transactions.
You shall immediately call BOC Card Customer Service Hotline at (852) 2853 8828 to remove all the credit cards and call BOCHK Customer Service Hotline at (852) 3988 2388 or visit our branches for assistance.
Yes, you should. For security reasons, our Bank advises you to change payment passcode regularly.
Under no circumstances should you download this App on a smartphone that has been jailbroken, rooted or installed pirated software.
Biometric Authentication facilitates any biometric credential specified by the Bank, includes but not limited to fingerprint and face ID, that is stored on your mobile phone to be used for authentication of transaction.
Availability of Biometric Authentication is subject to your device's brand, model and version of operation system.
No. You must ensure that only your biometric credential is stored on your mobile phone to access the device, and ensure the security of the security codes as well as the password or code that you can use to store your biometric credential and register the "Biometric Authentication" on your mobile phone.
The Bank does not store any of your biometric credential. Please note that if you have registered Biometric Authentication, after disabling Biometric Authentication, your biometric credentials will be continuously stored on your mobile phone. You may consider cancelling the data at your decision. Please refer to the Terms and Conditions for use of Biometric Authentication.
You must not use Biometric Authentication if you have reasonable belief that other people may share identical or very similar biometric credential(s) of you or your biometric credential(s) can be easily compromised. For instance, you must not use facial recognition for authentication purpose if you have identical twin or triplet sibling(s).
You must not use Biometric Authentication if the relevant biometric credential(s) of you are or will be undergoing rapid development or change. For instance, you must not use facial recognition for authentication purpose if you are an adolescent with facial features undergoing rapid development.
It helps to fix security problems of the operating systems or applications if you update and download updates provided by software vendors regularly. This helps to prevent your computer from virus attacks or unauthorised access from hackers.
You should examine and verify the correctness of your account statement and confirmation of transaction, including but not limited to confirmation of transaction sent via SMS and email.
You shall notify our Bank (in relation to any unauthorised transactions regarding your Smart Account or Payment Account) or BOC Credit Card (International) Limited (in relation to any unauthorised transactions regarding your credit card) as soon as reasonably practicable if you find or believe that your password has been compromised, lost or stolen or that any unauthorised transactions have occurred.
Hong Kong Monetary Authority
Hong Kong Police
HKSAR Government
You can view our latest news and offers by viewing "Hot Offers" section or tap "Hot" from home screen.
Go to "Settings" > "Payment Settings" > "Reset payment passcode" and follow the instructions to reset your payment passcode.
Go to "Settings" > "Payment Settings" > "Touch ID" or "Face ID" depending on your device and follow the instructions to turn on / off biometric authentication.
Yes, you may specify a credit card or account in transactions.
Go to "Settings" > "Logout" and click confirm to logout this application. After logging out, you will have to login again in order to use this App.
For credit card(s) or Smart Account users, please follow the below steps to reset the payment passcode:
For Payment Account users, please follow the below steps to reset the payment passcode:
No. Any card number(s) assigned to your Smart Account or Payment Account should be used strictly in BoC Pay only and should not be used by any other means. We are not liable for any loss caused by usage of such card number(s) for any purpose not specified in the terms and conditions of BoC Pay, e.g. Customer should not use such card number(s) in Apple Pay, Google Pay, Samsung Pay or any other payment service.
On QR-code payment screen, tap "The Chinese Mainland" and a UnionPay QR-code for Mainland China will be generated.
In "Scan" Payment Mode, the App will automatically recognize UnionPay QR code in Mainland China standard.
For security reason, your account will be logged out 30 days after your last login. You can re-login to BoC Pay again to continue using the App.
BoC Pay normally provides a 24-hour service, except for the system maintenance period. Please check out the notification of system maintenance on our website.
To use Biometric Authentication in BoC Pay, you have to enable it during registration in BoC Pay or in "Settings" > "Payment Settings" > "Touch ID" or "Face ID" depending on the brand, model and operation system of your device and follow the instructions.
Yes. All transactions completed through Smart Account or Payment Account within the UnionPay networks will be settled in HKD. If the transaction involves RMB, the payment amount will be deducted in HKD according to the exchange rate set by the Bank. If the transaction involves foreign currency other than RMB, the payment amount will be deducted in HKD according to the exchange rate set by UnionPay.
These services or information e.g. Greater Bay Area Bill Payment, are provided by third parties. These hyperlinks lead to websites of third parties who are in no way affiliated with or related to BOCHK. We are not responsible for verifying the contents of such third party websites. Please read Section 10. "Hyperlinks and Third Party Information and Services" of the terms and conditions of BoC Pay carefully.
Yes, internet or mobile network connection is required for making payment via this App.