Retail Banking

1

Input and verify your mobile number

2

Set up your username and password

3

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

4

Follow instructions to take selfie for biometric identification

5

Input and confirm your personal information

6

Done!

Service Charges Terms and Conditions

Register your PAOB account as your FPS account FPS Transfer Transfer to other PAOB accounts

Faster Payment System (FPS)

7x24
Instant fund transfers

Cross-bank transfers without fees
Safe and secure

Transfer to other PAOB accounts

7x24
Instant fund transfers

Transfers without fees
Safe and secure

1

Click “Transfer”

2

Select “FPS Transfer”

3

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

4

Verify the transaction details and click “Confirm”.

5

Done!

1

Login > Transfer > FPS Transfer > FPS Account Settings

2

Input your mobile number / FPS ID as your FPS account

3

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)

Select “Intra Bank Transfer"

3

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

4

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)

2%

1%

0.01%

1 Cot to 31 Dec 2020 (both dates inclusive)

3%

1%

0.01%

1 Jan to 31 Mar 2021 (both dates inclusive)

5%

1%

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