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The new Faster Payment System “Easy Transfer” hosted by AMCM is a real-time online transfer service platform. Upon successful registration through one of the following digital channels, both retail customer and corporate customers can make transfers easily between local banks with a mobile phone number, bank account or FPS ID and enjoy a round-the-clock online transfer experience:

• BCM Net e-Banking Service
• BCM Mobile Banking Service
• BCM eCorp Internet Banking Service
• BCM eCorp Mobile Banking Service

Easy to use
Simply use your mobile phone number, bank account or FPS ID to easily transfer or receive payment.
*The payee of “Easy Transfer” Service must have registered with the local participating banks in order to receive payment via mobile phone number or FPS ID.

7x24 Service
Real-time interbank transfer or receive payment at anytime and anywhere.

Free of Charge
Supports local interbank transfers in MOP and is free of charge.

Safe and Secure “Easy Transfer” Transactions

• Login Protection
  Before using “Easy Transfer” service, customers will be requested to log in to BCM Net e-Banking Service or BCM Mobile Banking Service with a password or security authentication.
  
  

• Two-factor Authentication
  When making payment transfer, the transaction will be secured with SMS one-time password or security authentication.
  
  

• Custom Transfer Limit
  Customer can adjust the single transaction limit and daily transaction limit anytime according to personal or business need.
  
  

• Reliable and Secure Transactions
  SMS notification regarding service registration and transaction status will be sent to the customer to ensure important notices are delivered.

BCM Net e-Banking Service User Guide

BCM Mobile Banking Service User Guide

BCM eCorp Internet Banking Service User Guide

BCM eCorp Mobile Banking Service User Guide

1. What is “Easy Transfer” Service?

“Easy Transfer” Service is a digital Payment service provided to our customers by the Bank through participating in the Faster Payment System of AMCM. Customers can make interbank transfers through this service at our Digital Service Platforms. The Digital Service Platforms include:

• BCM Net e-Banking Service
• BCM Mobile Banking Service
• BCM eCorp Internet Banking Service
• BCM eCorp Mobile Banking Service

Retail and corporate customers can use the service immediately after successful registration of “Easy Transfer” Service and corporate customers will be assigned with a FPS ID after registration for receiving payment.

In addition, retails customers can amend the receiving account or deregister the “Easy Transfer” Service on the digital service platforms, while corporate customers can also amend the receiving account of the “Easy Transfer” Service or deregister the FPS ID (that is equivalent to deregister the “Easy Transfer” Service). Please note that once the FPS ID is deregistered, all inward transactions via FPS ID will be invalidated, automatically cancelled or returned.

2. What is Real-time Credit Transfer of “Easy Transfer” Service?

Real-time Credit Transfer refers to the real-time transfer conducted by retail customers to other retail customers via the payee’s mobile phone number that has registered Easy Transfer at other local participating banks.

3. What is Near Real-time Credit Transfer of “Easy Transfer” Service?

Near Real-time Credit Transfer refers to:
Retail customers make near real-time credit transfer to retail and corporate customers in other local participating banks via the payee’s bank account number.
Corporate customers make near real-time credit transfer to retail and corporate customers in other local participating banks via the payee’s FPS ID, mobile phone number or bank account number.

4. What are the prerequisites of using “Easy Transfer” Service on the Digital Service Platforms?

In order to use “Easy Transfer” Service, Retail customers are required to:

• be an existing customer of the Bank under normal status;
• have at least one savings or current account with BCM in MOP; and
• have a mobile phone number with area code +853/+852/+86

Corporate customers are required to:

• be an existing customer of the Bank under normal status; and
• have at least one deposit or current account with the Bank in MOP

5. Is there a cut-off time for credit transfer or receive payment by using “Easy Transfer” Service?

The credit transfer or receive payment of “Easy Transfer” Service is performed throughout the day.

6. When using “Easy Transfer” Service for transferring or receiving payment, will the payee receive the payment immediately?

In principle, “Easy Transfer” Service operates in a round-the-clock mode and supports real-time credit transfer to the payee under most scenario. However, the transfer mode of each transaction will depend on the actual settings and circumstances of the payer bank and payee bank, and the time when the payee receives payment will also depend on the actual settings and circumstances of the payee bank.

7. Why is the credit transfer or receive payment transaction of “Easy Transfer” Service rejected by the payee bank?

The payee bank may reject the transaction due to the payee’s information does not match the bank’s record, such as incorrect payee name, account number or other reasons. To ensure the successful execution of the transactions, customers should ensure the correct information of the payee is input in the payment instructions. If the transaction is rejected, customers can check more details and related reasons in the remarks of their transaction records on the digital service platforms and.

8. Can the customer/company make credit transfer to a third-party account of BCM Bank through “Easy Transfer” Service?

Customer cannot make intra-bank third-party transfer through “Easy Transfer” Service to BCM customers (that is equivalent to payment transferred from one BCM bank account to another BCM bank account). If customer needs to transfer payment between BCM bank accounts, they can transfer payment through the Bank’s third-party transfer service.

9. Will there be any additional fees for credit transfer receive payment by using “Easy Transfer” Service?

At the initial stage of the service, no additional fees will be incurred when using “Easy Transfer” Service to make credit transfer or receive payment. For other service charges, please refer to our “Banking Service Charges”.

10. Is there a transaction limit for credit transfer in “Easy Transfer” Service?

• If Retail customers make Real-time Credit Transfer via mobile phone number:
  The Maximum Single Transaction Amount is MOP5,000
  The Daily Accumulated Transaction Amount is MOP10,000
  
  

• If Retail customers make Near Real-time Credit Transfer via bank account number:
  The Maximum Single Transaction Amount is MOP5,000
  The Daily Accumulated Transaction Amount is MOP10,000
  
  

• If Corporate customers make Near Real-time Credit Transfer via FPS ID, mobile phone number or bank account number:
  The Maximum Single Transaction Amount is MOP5,000
  The Daily Accumulated Transaction Amount is MOP10,000

11. Can customers modify the transaction limit of “Easy Transfer” Service?

Yes, retail customers can amend the transaction limit setting directly on the digital service platforms while corporate customers can visit the branch and fill in the form to apply for the changes.

12. Do customers need to fill in any application forms to apply for “Easy Transfer” Service?

Retail customers can use the service right after registering in accordance with the instructions from “Easy Transfer” Service function on BCM Net e-Banking Service.

If corporate customers have successfully applied BCM eCorp Internet Banking Service and BCM eCorp Mobile Banking Service before 5 December, 2021, the Bank will activate/inactivate the “Easy Transfer” Service according to its local remittance service settings.

If corporate customers apply BCM eCorp Internet Banking Service and BCM eCorp Mobile Banking Service after 5 December, 2021, customer will be required to fill in the application form.

13. Do retail customers need to re-register for “Easy Transfer” Service after changing their mobile phone number?

After retail customers change their mobile phone number recorded in the Bank, they need to deregister the existing “Easy Transfer” Service record on the digital service platform, and then re-register with their new mobile phone number after updating the record with the Bank.

14. Can retail customers use a joint account as the default receiving account for “Easy Transfer” Service?

No, retail customers need to use a personal account (non-joint account) as the default receiving account for the “Easy Transfer” Service.

15. What is FPS ID?

FPS ID is a unique number used to identify each customer account. Corporate customers must complete service registration with BCM eCorp Internet Banking Service or BCM eCorp Mobile Banking Service to obtain the FPS ID before they can receive payments or make credit transfer in Near Real-time mode through “Easy Transfer” Service.

16. What are the precautions for corporate customers when filling in the “Transfer Purpose” upon credit transfer?

When corporate customers make a credit transfer to the payee through “Easy Transfer” Service of BCM eCorp, the “Transfer Purpose” field is compulsory, customers can select the transfer purpose in this field to identify the relevant transaction.

17. Can customers modify or cancel the credit transfer instruction submitted for “Easy Transfer” Service?
For retail customer, the credit transfer instructions of “Easy Transfer” Service that have been submitted cannot be changed or cancelled.

For corporate customer, the credit transfer instructions of “Easy Transfer” Service that have been submitted cannot be changed or cancelled once authorized. However, the maker can still change or cancel the instructions before the authorization is given by the approver. Please make sure that the transfer information is correct before authorization.