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BOCHK Mobile App enables you to apply below accounts and services in one-go:

• Integrated Banking Services
• HKD Savings Account
• Multi-currency Savings Account (Not applicable to aged 11-15)
• Mobile Banking and Internet Banking
• BOC Card (ATM Card)

Without visiting a branch, the process is simple and fast. Please download BOCHK
Mobile App (https://www.bochk.com/dam/more/mini/mbk/en.html).

• Aged 18 or above:
  If you submit application and open account successfully during service hours (Monday to Saturday 9:00am to 8:00pm (excluding public holidays)), your accounts are ready for use immediately. We will send you SMS andemail notification. You may login Internet Banking / Mobile Banking toVersion: 2025-03check your account number and activate Small Value Transfer with maximum daily transfer limit of HKD10,000. We will review your application information within 3 working days, after that, your BOC Card will be activated, and your total daily transfer limit of Registered Third-Party Account (including remittance) / Small Value Transfer of InternetBanking / Mobile Banking will be increased to HKD210,000. You can login to Internet Banking /Mobile Banking to adjust your limit anytime.
  
  If you submit your application during non-service hours, we will handle the application in next working day. Submit application and/or open accounts successfully, we will send you SMS and email notification.


• Aged 16-17:
  If you submit application and open account successfully during service hours (Monday to Saturday 9:00am to 8:00pm (excluding public holidays)), your accounts are ready for use immediately. We will send you SMS and email notification. You may login Internet Banking / Mobile Banking to check your account number. We will review your application information within 3 working days, after that, your BOC Card will be activated.
  
  If you submit your application during non-service hours, we will handle the application in next working day. Submit application and/or open accounts successfully, we will send you SMS and email notification.


• Aged 11-15:
  After you submit your application, we will send out "Activation Code" to your parent or guardian by push notification of Mobile Banking, which is valid for 7 calendar days (including the application date). Your parent or guardian has to login Mobile Banking to complete the authentication process within this period, in order to proceed account opening.
  
  If your parent / guardian completes the confirmation process and opens account successfully during service hours (Monday to Saturday 9:00am to 8:00pm (excluding public holidays)), your account is ready for use immediately. We will send you SMS and email notification. You may login Internet Banking / Mobile Banking to check your account number. We will review your application information within 3 working days, after that, your BOC Card will be activated.
  
  * The Activation Code will become invalid if the confirmation is not completed within 7 days. For example, if you submit your application on 1/1/2024, the Activation Code will expire on 8/1/2024. We will purge the application data for unconfirmed requests, and you will need to resubmit a new application.

• Aged 18 or above:
  Except current account opening, you can enjoy various banking services via Internet Banking / Mobile Banking, such as fund transfer, currency exchange and time deposit placement, etc.
  
  To enjoy full banking services, please bring along your identity document to visit any of our branches and provide us a specimen of your handwritten signature, in order to upgrade the accounts to become full function accounts.


• Aged 16-17:
  You have Internet Banking / Mobile Banking access to check account balances, view e-statements (only available via Internet banking), register for FPS for receiving funds (third parties transfers are prohibited), exchange foreign currencies, place time deposits, pay designated bills* and register for Payroll Service.
  * Designated bills can only be paid for merchants that fall under the categories of [Utility providers], [Government or Statutory education], [Primary or Secondary Education], or [Post-secondary or Professional Education].


• Aged 11-15:
  You can use Internet Banking / Mobile Banking to check account balances, view e-statements (only available via Internet banking), register for FPS for receiving funds (third parties transfers are prohibited).

For third party fund transfer, you may activate Small Value Transfer with maximum daily transfer limit of HKD10,000 after successful account opening. We will review your application information within 3 working days, after that, your BOC Card will be activated, and your total daily transfer limit of Registered Third Party Account (including remittance) / Small Value Transfer of Internet Banking / Mobile Banking will be increased to HKD210,000, and maximum daily bill payment limit will be increased to HK$1,850,000 (Note). You can login to Internet Banking /Mobile Banking to adjust your limit anytime.

Note: Maximum daily bill payment limit includes: maximum daily bill payment limit for "Bank's Designated Merchants" is HK$1,000,000, maximum daily bill payment limit for "General Merchants" is HK$100,000, maximum daily bill payment limit for "Inland Revenue Department" is HK$500,000 and maximum daily bill payment limit for "Educational Institutions" is HK$250,000. For more information, please refer to Internet Banking > Bill Payment > Merchant Category > Merchant Details.

• HKID holders aged 18 or above
  After successful account opening, you can continue to apply for an investment account in Mobile Banking and you have to upload a valid address proof and provide relevant information during the process. We will inform you the status within 3 working days (excluding Saturday, Sunday and public holidays).
  Note: Account opening service of investment account is not available in Internet Banking, for customers who opened account successfully via Mobile App.


• PRCID holders
  Please visit any of our branches for account opening of investment service.