Mobile Banking FAQ

Cash Instalment

  1. What types of currencies are available for "Cash Instalment" Service through Mobile Banking?
    • HKD and CNY are available for "Cash Instalment" via Mobile Banking.

  2. How can I access the "Cash Instalment" Service via Mobile Banking?
    • To access the service, you must hold valid and designated HKD BOC Credit Card or BOC Express Cash Revolving Credit Account. By selecting "Cash Instalment" under "Credit Card" or "Loan", you can conduct "Cash Instalment" transaction to convert the available credit limit of your card into cash and transfer the funds to your personal HKD savings or current account maintained with any of the banks in Hong Kong.
    • If you hold a BOC CUP Dual Currency Credit Card, you can select "Cash Instalment" under "Credit Card" to conduct CNY "Cash Instalment" transactions via Mobile Banking, to convert the available credit limit of your credit card into cash and transfer the funds to your personal Renminbi savings account or Multi-Currency Savings Account maintained with Bank of China (Hong Kong), Nanyang Commercial Bank and Chiyu Banking Corporation in Hong Kong.

  3. What are the procedures required for operating my credit card account through Mobile Banking or Internet Banking?
    • You have to register your account through the path of "My Setting > My Account > Account Maintenance" of Internet Banking. Then you can conduct transactions with the account through Mobile Banking or Internet Banking.

  4. What is the transaction limit of "Cash Instalment" Service?
    • The minimum amount for applying HKD "Cash Instalment" by BOC Credit Card is HKD5,000 or the amount specified by the Company from time to time. When the applied amount is deposited to the registered bank account of the Bank, the total daily limit is the cardholder's available credit limit, or the amount specified by the Company from time to time. When the applied amount is deposited to the registered bank account other than the Bank, the total daily limit is HKD100,000 or the cardholder's available credit limit (whichever is lower), or the amount specified by the Company from time to time. The daily limit is to be shared with the "Cash Before Card" Service.
    • The minimum amount for applying CNY "Cash Instalment" by BOC Credit Card is CNY5,000 or the amount specified by the Company from time to time. The total daily limit is the cardholder's available credit limit or the amount specified by the Company from time to time. The daily limit is to be shared with the "Cash Before Card" Service.
    • For BOC Express Cash Revolving Credit Account, the minimum amount for "Cash Instalment" transaction(s) is HKD1,000, or the amount specified by BOC Credit Card (International) Limited from time to time. When the applied amount is deposited to the bank account of the Bank, the applied limit is the account holder's available credit limit. When the applied amount is deposited to the bank account other than the Bank, the total daily limit is HKD100,000 or the account holder's available credit limit (whichever is lower) , or the amount specified by the Company from time to time.

  5. Can I pre-set an instruction for conducting a "Cash Instalment" transaction via Mobile Banking?
    • Pre-set instruction for "Cash Instalment" Service is not available via Mobile Banking at present.

  6. How can I enquire the execution status of my "Cash Instalment" instruction?
    • If the transaction is successfully completed, you will be notified by email the day after the processing day.
    • You can check the transaction status via the "Transaction Enquiry" under the "Cash Instalment" section of Internet Banking Service.

  7. How can I enquire my "Cash Instalment" transaction conducted Mobile Banking?
    • A reference number will be assigned and displayed on the screen of Mobile Banking if the transaction is successfully completed. You can enquire the transaction records through "Last Ten Mobile Banking Txn Records" under "Smart Links" via Mobile Banking ; or "Last Ten Transaction Records (Mobile Banking)" under "Assistant" or enquire a specific transaction through "Credit Card Transaction Record" via Internet Banking.

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