Retail Banking | PAObank

Input and verify your mobile number

Set up your username and password

Take 3 photos of your HKID at different angles for identity verification

Follow instructions to take selfie for biometric identification

Input and confirm your personal information

Done

Service Charges Terms and Conditions

Faster Payment System (FPS)

7x24
Instant fund transfers

Cross-bank transfers without fees
Safe and secure

Transfer to other PAObank accounts

7x24
Instant fund transfers

Transfers without fees
Safe and secure

Click “Transfer”

Select “FPS Transfer”

Input payee’s mobile number / email address / FPS ID. Select receiving bank and input transfer amount.

Verify the transaction details and click “Confirm”.

Done

Input your mobile number / FPS ID as your FPS account

Input the one-time verification code which will be sent to you via SMS. (customer registered with FPS ID will not receive the verification code)

Done

Click “Transfer”

Select “Intra Bank Transfer"

Input payee’s name, account number and transfer amount etc.

Done

Service Charges Terms and Conditions

Smart Tips:

Before confirming a transfer or deposit of funds to a third party in Hong Kong, you are advised to verify the account number/mobile number/email address/FPS identifier and partially-masked name (if available) of the payee carefully to avoid mis-transfer of fund. After giving the instruction, you are advised to check with the transferee to confirm the receipt of fund. If you find the fund was mis-transferred to third-party account, please report to our Customer Service Representative at (852) 3762 9900 (24-hour service) at the earliest convenience.
It is our responsibility to remind you if you have received funds which a transferor sent by mistake, you should contact our Customer Service Representative at (852) 3762 9900 (24-hour service) at the earliest convenience. You could be criminally liable if you refuse to return the fund to the transferor.

Savings Account

Enjoy a basic saving interest rate of 1% p.a. with NO fees and NO minimum account balance requirement ¹
Transfer funds from your account INSTANTLY at your fingerprints
Enjoy 24/7 banking services WITHOUT visiting a bank
Go green with paperless statement
Eligible deposits under Deposit Protection Scheme (DPS) in Hong Kong
¹ Applicable to account balance at HK$1M or below. 0.01% p.a. interest rate will be applied for account balance over HK$1M.

Bonus Step-up Campaign

Selected customers who open account and deposit funds on or before 30th Jun can enjoy saving interest rate up to 5%. p.a.. Eligible deposit amount for this campaign is up to HK$1,000,000.

Learn more

Interest Rate

Period

0 - 200 K

200 K - 20M

>20M

Account opening date to 30 Sep 2020 (both dates inclusive)

0.01%

1 Cot to 31 Dec 2020 (both dates inclusive)

0.01%

1 Jan to 31 Mar 2021 (both dates inclusive)

0.01%

Remark：

Eligibility cap is based on initial deposit and will be adjusted downward per fund withdrawal
Eligibility cap will not be adjusted upward on subsequent fund deposit
Bonus step-up interest will be credited to customers savings account 1 month after each period end