MPay信用卡充值服務

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 transactions between participating banks and non-financial payment institutions (bank/institution) through the service on 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

After successful registration of Easy Transfer Service, customer can make transfer via the payee’s mobile phone number, FPS ID assigned by the Faster Payment System, local bank account information or local Credit Card number.
In addition, retail 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 deregistered 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 the 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 customers making real-time transfer to a payee of other local banks/institutions that has registered Easy Transfer Service via the mobile phone number or FPS ID on the Digital Service Platforms.

3. What is near real-time credit transfer of Easy Transfer Service?
Near real-time credit transfer refers to retail/corporate customers making near real-time transfer to a payee of other local banks/institutions via the payee’s bank account information on the Digital Service Platforms. Retail customers can make near real-time transfer via their local Credit Card number that supports Easy Transfer Service.

4. Can I use Easy Transfer Service to make Credit Card payment? Will the payment be received immediately?
Yes, retail customers can make Credit Card payments via the Easy Transfer Service on BCM Net e-Banking or Mobile Banking Service. These payments are processed in near-real-time transfer mode. Therefore, the final settlement time is subject to the handling arrangement and conditions of the payee bank/institution and the receiving bank. It is advised that customers should spare sufficient time for the relevant bank/intuition to complete the transaction in order to avoid missing the repayment deadline.
As Easy Transfer Credit Card Payment transactions currently are only applicable to local Credit Cards issued by particular participating banks of the Easy Transfer Service, customer is advised to check with the relevant issuing bank if Credit Card payment is supported.

5. Can I register the Easy Transfer Service on BCM Net e-Banking or Mobile Banking Service even if I only have BCM Credit Card?
Retail customer is required to own at least one savings or current account in MOP/HKD with BCM in order to register for Easy Transfer Service. For the prerequisites of using the Easy Transfer service, please refer to the point 9 of this FAQ.

6. Can I make a payment debit from my BCM Credit Card and transfer to other e-wallet/account through Easy Transfer Service?
Currently, Credit Card can only receive payments through Easy Transfer Service, debit from the Credit Card is not supported.

7. Can I make payment to a non-local Credit Card through Easy Transfer Service?
Currently, Easy Transfer Service only supports local Credit Card payment.

8. Can I make cross-currency transactions between HKD and MOP accounts through Easy Transfer Service?
Easy Transfer Service currently only supports same currency transfer, i.e. if the currency of the receiving account is MOP, the transaction currency type should be MOP; if the currency of the receiving account is HKD, the transaction currency type should be HKD.
To create a better customer journey for our customers, when a customer wishes to make the cross-currency transaction on Easy Transfer Service (i.e. the debit account currency is different from transaction currency), BCM provides automatic currency exchange service, calculating the MOP/HKD exchange rate and the relevant amount of the transaction, so that customers will be aware of the debit amount.
For example:
If a customer wishes to transfer payment from their MOP account to the receiver’s HKD account through Easy Transfer Service, BCM will automatically calculate and exchange the MOP amount. The relevant MOP amount will be debited and transferred as HKD to the receiver’s HKD account.
Alternately, if the customer selects their HKD account to make MOP transaction, the bank will automatically calculate and convert the required amount to the receiver’s MOP account.

9. What are the prerequisites of using Easy Transfer Service on the Digital Service Platforms?
Retail customers:

• Existing customer of the Bank with an account under normal status; and
• Have at least one savings or current account in MOP/HKD; and
• Have a mobile phone number with area code +853/+852/+86 in the Bank’s record.

Corporate customers:

• Existing customer of the Bank while maintaining an account under normal status; and
• Have at least one deposit or current account in MOP/HKD.

10. Is there a cut-off time for credit transfer or receive payment by using Easy Transfer Service?
The credit transfer or receipt of payment of Easy Transfer Service is performed in a round-the-clock mode.

11. When using the Easy Transfer Service for transferring or receiving payment, will the payee receive the payment immediately?
In principle, the Easy Transfer Service operates in a round-the-clock mode while supporting the real-time and near real-time credit transfers to the payee under most scenarios. However, the transfer mode of each transaction depends on the actual settings and circumstances of the payer bank/intuitions and payee bank/intuitions, and the handling time for payment transfer also depends on the actual settings and circumstances of the payee bank/intuitions.

12. Why is the credit transfer or receiving payment transaction of the Easy Transfer Service rejected by the payee bank?
The payee bank may reject the transaction when the transaction currency is different from the currency type of the receiving account or the payee’s information does not match with the bank’s record, such as an incorrect payee name, account number, et cetera. Customers should ensure the correct input for the payee’s information in the payment instructions. If the transaction is rejected, customers can review the details in the remark of the transaction record on the digital service platforms.

13. Will there be any additional fees for credit transfer or receiving payment by using the Easy Transfer Service?
Up to the present, no additional fees are incurred when using the Easy Transfer Service to make credit transfer or receive payment. For other service charges, please refer to our Banking Service Charges.

14. Is there a transaction limit for credit transfer in the Easy Transfer Service?
If customers make real-time credit transfer via mobile phone number/FPS ID:

• The Maximum Single Transaction Amount is MOP 20,000 and HKD 20,000 respectively.
• The Daily Accumulated Transaction Amount is MOP 20,000 and HKD 20,000 respectively.

If customers make near real-time credit transfer via local bank account information/Credit Card number:

• The Maximum Single Transaction Amount is MOP 20,000 and HKD 20,000 respectively.
• The Daily Accumulated Transaction Amount is MOP 20,000 and HKD 20,000 respectively.

15. Can customers modify the transaction limit of the Easy Transfer Service?
Yes, retail customers can modify the transaction limit directly on the digital service platforms while corporate customers can visit any branches and apply for the modification of the transaction limit.

16. Do customers need to fill out any application forms to apply for Easy Transfer Service?
Retail customers can use the service after registration in accordance with the instructions from Easy Transfer Service function on BCM Net e-Banking Service.
Corporate customers are required to fill out the application form to activate the Easy Transfer Service. After the service is activated, customers can register and use the service on BCM eCorp Internet Banking Service and BCM eCorp Mobile Banking Service.

17. Do retail customers need to re-register for Easy Transfer Service after changing their mobile phone number?
When retail customers have changed their mobile phone number that is different from the record of the Bank, they need to deregister the existing Easy Transfer Service record on the digital service platforms and re-register with their new mobile phone number after updating the record with the Bank.

18. Can retail customers use a joint account as the default receiving account for the 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.

19. What is FPS ID?
FPS ID is a unique number randomly generated by Faster Payment System, which is provided, managed and operated by the AMCM and used to identify each customer account. Customers who completed the registration on any digital service platforms of the Bank will obtain the FPS ID. The FPS ID enables customers to receive payments or make credit transfer in real-time transfer mode or near real-time transfer mode through the Easy Transfer Service.

20. 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 on BCM eCorp Internet Banking Service/ BCM eCorp Mobile Banking Service, corporate customers must input the “Transfer Purpose”. Customers can select the respective transfer purpose in order to identify the related transactions.

21. Can customers modify or cancel the credit transfer instructions submitted for the Easy Transfer Service?
For retail customers, the credit transfer instruction of Easy Transfer Service is not able to change or cancel once it is submitted.
For corporate customer, the credit transfer instruction of Easy Transfer Service is not able to change or cancel once it is submitted and authorized. However, the transfer maker can still change or cancel the instructions before the authorization is given by the approver. Please ensure that the transfer information is correct before authorization.