With a simple setup on the BOCHK Mobile Banking App, you can securely and efficiently link your accounts to other banks through the “Interbank Account Data Sharing (IADS)” program, allowing you to easily experience comprehensive financial management!

Full Control of Your Personal Finances

Link the details of multiple banks’ account through the BOCHK Mobile Banking App easily. View all account balances anytime, anywhere - clear and convenient!

Simplified Credit Card/Personal Loan/Mortgage Loan/Other Secured Loans Applications

When applying for credit card, personal loan, mortgage loan and other secured loans, you can now authorise the bank to access information from other banks, diminishing the need to manually submit bank statements or deposit proofs—fast and easy!

Remarks: Bank of China (Hong Kong) Limited (“BOCHK”) reserves the right of final decision on any credit card/personal loan/mortgage loan/other secured loans applications. BOCHK reserves the right to decide whether to accept or reject the application with reference to the applicant’s credit report and the information provided by the applicant. If necessary, BOCHK reserves the right to request the applicant to provide extra documents for further approval purposes.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

Log in BOCHK Mobile Banking App > Manage > "Accounts with other banks" Shortcut. Complete a simple setup and take full control of your finances!

Terms and conditions apply

1. What is the Interbank Account Data Sharing (IADS) programme?

The IADS programme has established the standards facilitating interbank customer-consented data sharing. This allows customers to securely and efficiently share their bank account data from one participating bank (Data Providing Bank) to other participating banks (Data Consuming Bank), subject to customer consent.

2. Which banks have participated in the IADS programme?

BOCHK is the one of first batch banks to participate the IADS programme, you may refer to the "List of IADS Participating Banks" for details.

3. What kind of accounts can I connect?

You can select your active savings and current accounts (both in HKD and in foreign currencies) to connect with BOCHK. 

4. How can I check and revoke the consent?

You can check and revoke the consent via Mobile Banking App:

1. "Manage" tab > "Accounts from other banks" shortcut, then tap "View/Manage Consent"
2. Tap "Menu" > "Settings", then tap "Consent Management" on "Open API Consent Management"

5. Can I revoke my consent anytime?

You can revoke your consent anytime via "Consent Management".

6. I'm concerned about the security of my personal data. What protection do I have?

Please rest assured that the system will only access your account information with your consent. You can choose which account data to share and for what purpose. You can also manage or revoke consent at any time to protect your privacy.

7. How long will my other account information be shared?

Your consent is valid for 12 months. We will only access the selected bank account information before the consent expires.

8. Can I change which accounts BOCHK can access?

You can update the accounts BOCHK may access through the Mobile Banking App using either of the following paths:

1. "Manage" tab > "Accounts from other banks" shortcut, then tap "View/Manage Consent"
2. Tap "Menu" > "Settings", then tap "Consent Management" on "Open API Consent Management"

9. What do the consent statuses "Valid" and "Revoked" mean?

"Valid" status means the consent is still valid, and BOCHK or other banks can access the account information you have authorized.
"Revoked" status means the consent is no longer valid - you previously granted access to a designated bank, but you have since revoked it.