Principal cardholders can check all transaction records of the Debit Card (including the principal card and supplementary cards) on BOCHK Mobile Banking Application, Personal Consolidated Monthly Statements or passbooks. Principal cardholders are required to report any unauthorized, erroneous or questionable transaction records to the Bank within 90 days from the date of statement or the transaction date of passbooks, failing which, the Bank shall be entitled to treat the transactions stated in the Statement or passbooks as true and correct in all respects. The chargeback mechanism of the applicable card association is available in BOC Mastercard^® Debit Card Transaction Dispute Form/FAQ below.

The cardholder may have to bear a loss when the Debit Card has been used for an unauthorized transaction before the cardholder has reported to the Bank that the Debit Card/PIN has been lost or stolen or that someone else knows the PIN. Subject to Security Tips for BOC Card and BOC Mastercard^® Debit Card and provided that the cardholder has acted in good faith and with due care (including without limitation taking the precautions under Security Tips for BOC Card and BOC Mastercard^® Debit Card and reporting loss, theft and/or unauthorized use of the Debit Card) and has not acted fraudulently or with gross negligence, the liability of the cardholder for loss, theft or unauthorized use of the Debit Card shall not exceed the maximum amount of HK$500 or such other amount (subject to the applicable laws and regulatory directive) as notified by the Bank to the cardholder from time to time. 

The cardholder shall be liable for all losses if he/she has acted fraudulently. The cardholder may be held liable for all losses if he/she has acted with gross negligence, failed to report to the Bank after having found that his or her Debit Card has been lost or stolen or failed to observe the provisions of Security Tips for BOC Card and BOC Mastercard^® Debit Card or such other requirements as may be stipulated by the Bank from time to time in safeguarding the Debit Card and the PIN or if the unauthorized use of the Debit Card involves the use of his/her PIN with or without his/her knowledge. The cardholder shall also indemnify the Bank in full in respect of any expense and losses suffered or incurred by the Bank in relation thereto.

BOC Mastercard^® Debit Card Transaction Dispute Form/FAQ

Transaction Dispute Form (Applicable to ATM transactions)

Transaction Dispute Form (Applicable to POS transactions)

FAQ

In case of any conflict between the English and the Chinese versions of this notice, the Chinese version shall prevail.

The Bank pledges to provide quality service to you. If you do not want to use BOC Mastercard^® Debit Card services, please contact our staff. The Bank will close your Debit Card services according to your instructions free of charge.