Smart Account service

Set up daily transaction limit and top up methods and provide you with a customized and safe payment environment.

How does it work

Smart Account provides you with an independent and secure “e-Account” for petty cash to link with different mobile payment tools. Also, multiple top up ways are provided for transferring your balance from saving/current account to Smart Account, allowing you to make easy and secure payment.


Tailor-made and more than just an account

Multiple Ways to Top Up

You can choose “Direct Pay”, “Automatic Top Up” or “Top Up via Mobile Banking only” to reload your Smart Account anytime to suit your needs better.

Direct Pay

  • Directly deduct payment shortfall from Master Account to settle payment in full

Automatic Top Up

  • Provide a choice of daily top up amount from HK$100 to HK$5,000 and it can be conducted once per day only

  • Whenever the remaining balance is insufficient for payment, amount will be reloaded to your Smart Account automatically

Top Up via Mobile Banking only

  • Only deduct remaining balance from Smart Account

  • Reload your Smart Account via Mobile Banking anytime


Personalized Transaction Limit

You can adjust the Smart Account Daily Transaction Limit, subject to a cap of HKD 10,000.


Transaction Record Filtering

You can view transaction records of the past 180 days by transaction platform. A simple click to manage and check your payment records.

How to open Smart Account

No more visiting of branches. Smart Account can be opened via Mobile Banking anytime. Just take few minutes to bring you a secure and convenient experience. 

  1. Click Menu Bar and select “Account > My Smart Account " and then login Mobile Banking

  2. Press “Open Smart Account Now”

  3. Set up “Main Account”, “Daily Transaction Limit” and “Ways to Top Up”, then press “Agree & Submit” after reading Terms and Conditions. Complete account opening after confirming the information and inputting OTP.



General terms:

  1. The above products and services are subject to the relevant terms. For details, please refer to the relevant Terms and Conditions and FAQ or contact our staff.
  2. The Bank reserves the right to amend, suspend or terminate the above products and services and to amend the relevant terms at any time at its sole discretion without prior notice.
  3. In case of any dispute, the decision of the Bank shall be final.
  4. Should there be any discrepancy between the Chinese and English versions of this web page, the Chinese version shall prevail.