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Product Features

Service Introduction

Main Features

“Easy Transfer” Service User Guide

FAQs

Terms & Conditions

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-banking financial institutions (“Financial Institution”) through this 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 Easy Transfer transaction via the payee’s mobile phone number, FPS ID assigned by the Faster Payment System, beneficiary 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 customer making real-time transfer to a payee of other Financial Institution who 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 customer making near real-time transfer to a payee of other Financial Institution via the payee’s beneficiary account information on the Digital Service Platforms. Retail customer 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?
Currently Credit Card payment made through Easy Transfer service will be conducted in near real-time transfer mode, whilst the actual settlement time will be subject to the settings and conditions of the payee’s Financial Institution. It is advised that the customers should spare sufficient time for the relevant Financial Institution to complete the transaction in order to avoid missing the repayment deadline.

As Easy Transfer Credit Card Payments transactions currently are only applicable to local Credit Card issued by particular participating banks of the Easy Transfer service, customer is advised to check with the relevant issuing bank if they support Credit Card Payments Easy Transfer Service, or visit the official website of AMCM for related information.

5. Can I register the Easy Transfer service on BCM Online/Mobile Banking Service even if I only have BCM Credit Card?
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, debits 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? For example can I transfer payment in MOP to the HKD account of another Financial Institution through Easy Transfer Service?

Easy Transfer Service currently only supports same transaction currency transfer, i.e. if currency of the receiving account is MOP, the transaction currency type should be MOP too; if currency of the receiving account is HKD, the transaction currency type should be HKD.

Nonetheless, to create a better customer experience for our customers, when customer wishes to make cross currency transaction on Easy Transfer Service (i.e. the debit account currency is different from transaction currency), BCM bank will automatically provide currency exchange service, and calculate the MOP/HKD exchange rate and amount of the relevant FPS transaction, so that customer will be aware of the debit amount.

For example:

Customer wishes to transfer payment from his/her MOP account to make HKD transaction to the receiver’s HKD account through Easy Transfer Service, BCM will automatically calculate and exchange the MOP amount needed. The relevant MOP amount will be debited and transferred as HKD to the receiver’s HKD account.
Similarly, if customers selected his/her HKD account to make MOP transaction, BCM will automatically calculated 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?
Personal Banking customers:

Existing customer of the Bank with an account under normal status; and
Have at least one savings or current account in MOP/HKD with BCM; 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 with the Bank

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 supports real-time and near real-time credit transfers to the payee under most scenarios. However, the transfer mode of each transaction will depend on the actual settings and circumstances of the payer and payee Financial Institution, and the time when the payee receives payment will also depend on the actual settings and circumstances of the payee Financial Institution.

12. Why is the credit transfer or receiving payment transaction of the Easy Transfer Service rejected by the payee’s Financial Institution?
The payee’s Financial Institution may reject the transaction in the event that the transaction currency is different from the currency type of the receiving account or the payee’s information does not match the Financial Institution’s record, such as an incorrect payee name, account number or other reasons. Customers should ensure the correct information about the payee is input in the payment instructions in order for the transaction to be successfully executed. If the transaction is rejected, customers can review more details and reasons in the remarks of their transaction records 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 will be incurred when using the Easy Transfer Service to make credit transfer or receiving 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 beneficiary 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 setting directly on the digital service platforms while corporate customers can visit the branch and fill-in the form to apply for the changes.

16. 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.

Corporate customers will be required to fill in the application form to active 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?
After retail customers changed their mobile phone number recorded in the Bank, they need to deregister the existing Easy Transfer Service record on the digital service platforms and then 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 complete service registration on e-platforms of the Bank to obtain the FPS ID, and use the FPS ID to receive payments or make credit transfer in Real-time transfer mode through 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 on BCM eCorp Internet Banking Service/ BCM eCorp Mobile Banking Service.

21. Can customers modify or cancel the credit transfer instructions submitted for the Easy Transfer Service?
For retail customer, it is cannot be changed or cancelled the credit transfer instructions of Easy Transfer Service that have been submitted by the customer.

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

In this Part, the following terms have the following meanings:

“The Bank” means Banco Comercial de Macau, S.A.

“Customer” means each retail or corporate customer to whom the Bank provides the Easy Transfer Service.

“AMCM” means The Monetary Authority of Macao.

“Easy Transfer” means the digital payment service provided to Customer by the Bank through the Faster Payment System which is provided, managed and operated by the AMCM.

“Financial Institutions” means all the banks and non-banking financial institutions that participate in and provide the Easy Transfer Service.

“Faster Payment System” is the digital payment system hosted by the AMCM which enables Financial Institutions in Macau to provide payment transfer service. The system operates 24 hours a day to support payments and funds transfer in any currency specified by the Bank from time to time.

“Proxy ID” means the identifier which may be accepted by the AMCM for registration in the addressing service to identify the account of Customers, including the mobile phone number or the FPS ID.

“FPS ID” means the unique number randomly generated by Faster Payment System to be associated with the account of Customers.

“Digital Service Platform” means the digital service platforms provided the Easy Transfer services toward the customers by the Bank, including BCM Net e-Banking Service, BCM Mobile Banking Service, BCM eCorp Internet Banking Service and BCM eCorp Mobile Banking Service.

“Security Authentication Service” is a function available via BCM Mobile Banking app that represents a two-factor authentication approach. Customers can activate the use of Security Authentication Service by registering fingerprint recognition, facial recognition authentication, or self-defined security passcode on the mobile device.

“Receiving Account” means the Bank account under designated account type defined by the Bank from time to time that has registered the Easy Transfer service.

“Real-time Credit Transfer” means the payment transfer mode in which the transaction will be processed at real time once the Faster Payment System receives the transfer instruction.

“Near Real-time Credit Transfer” means the payment transfer mode in which the transaction will be processed in near real-time after the Faster Payment System receives the transfer instruction.

The Bank provides Customers with the Easy Transfer service, which allows Customers to transfer or receive payments via the Easy Transfer.

Customers must be valid account holders of qualified Receiving Account in order to use the Easy Transfer service.

Customers could register for the Easy Transfer and bind the Receiving Account via the Digital Service Platform. Subsequently, the Customers will be able to make transfer through the Digital Service Platform with their successfully registered and authorized accounts.

Easy Transfer Registration

5.1	When Customers login to Digital Service Platform for the Easy Transfer registration and setup of Receiving Account, retail Customer will receive a SMS one-time password sent by the Bank to complete Customer’s verification, whilst corporate Customers will be requested to complete the verification by SMS one-time password or Security Authentication Service. Upon successful verification, the registration for the Easy Transfer with Customers and their designated account will be duly completed.
5.2	Retail Customers will be able to use their mobile phone number recorded in the Bank or the FPS ID automatically issued by Faster Payment System as the Proxy ID for receiving payment, whilst corporate Customers will be able to use the FPS ID automatically issued by the Faster Payment system upon successful registration as the Proxy ID.
5.3	Customers, upon accepting these Terms and Conditions through the internet, application, or other electronic channels means during the registration process for the Easy Transfer via Digital Service Platform, is deemed to accept all Terms and Conditions of the Easy Transfer and agree to bear all the relevant responsibilities arising thereof.

Easy Transfer Transaction

6.1	The payment transfer mode of the Easy Transfer provides Real-time Credit Transfer and Near Real-time Credit Transfer, the payment transfer mode of each transaction will be subjected to the actual settings and conditions of the payer and receiver’s Financial Institution.
6.2	When Customer makes the Easy Transfer payment through the Digital Service Platform, Customer is required to input the Easy Transfer receiver information from the payee (including mobile phone number, FPS ID, beneficiary account/ credit card number and beneficiary name, etc.) and designate an account for debiting the payment amount. The Bank will verify the Customer’s transfer instruction through SMS one-time password or Security Authentication Service and send it to the Faster Payment System after the verification is completed. Upon the Customer’s transfer instruction is verified and confirmed by the Digital Service Platform, the transfer instruction will be sent to receiver’s Financial Institution by the Faster Payment System accordingly. Subsequently, the Bank will also proceed with the debiting from the Customer’s designated account.
6.3	Upon successful verification by the Bank and Faster Payment System, the payment received through the Easy Transfer will be automatically deposited into the Customer’s Receiving Account or the designated beneficiary account requested by the payer.
6.4	In the event that the currency of the debit account selected by the Customer differs from the Easy Transfer transaction currency, the related exchange rate will be determined by prevailing rate of the Bank on the settlement date.
6.5	All Easy Transfer transactions are subjected to the relevant transaction limits defined by the AMCM and/or the Bank from time to time. Under all circumstances, the transaction amount should not exceed the transaction limit defined by the AMCM and/or the Bank. In the situation where the transaction amount exceeds the limit, the Bank reserves the rights to reject such transaction request.
6.6	Customer should ensure that the relevant account is under normal status and has sufficient fund in the account balance when using the Easy Transfer. Customer is fully responsible for any financial disputes, losses and related responsibilities caused by the unsuccessful payment due to abnormal account status or insufficient account balance.
6.7	In case of abnormal transaction situation with the Easy Transfer, the relevant transaction amount will be automatically credited back to the originated payer’s account.
6.8	Customer understands that the Bank is not liable for any failure or error in online transactions, and/or data transmission, or even for any unsuccessful service verification, registration, or transactions, and/or any delay, unavailability, interruption or malfunction caused by online traffic congestion, and/or any other reasons beyond the Bank’s control.

Customers Data

7.1	When Customers use the Easy Transfer service, Customers may be required to provide the Bank with customer’s data and other information of related parties, which may include but not be limited to the followings persons from time to time: Customers, beneficiary, counterparty, where Customers are a company, a corporation, a sole proprietor, a partnership or any other form of incorporated organization, any of Customer’s directors, officers, employees, authorized persons or representatives.
7.2	Customers agree that the Bank may collect, use, process, retain, or transfer any of the Customer’s data for the purposes of the Easy Transfer service. These purposes include not be limited to the followings: Providing the Easy Transfer service to Customers, maintaining and operating the Easy Transfer service; and/or Processing and executing Customer’s instructions and request in relation to the Easy Transfer service from time to time; and/or Disclosing or transferring Customer’s data to AMCM and other participates of the Easy Transfer service for their use for the purpose of the operation of the Easy Transfer; and/or Meeting the requirements to make disclosure under any regulatory requirements, and/or Purposes relating to any of the above.
7.3	If the Customers information includes Customer’s data or other information of any persons other than Customer’s (including any persons specified in Clauses 7.1 above), Customers confirmed that Customers will obtain or have obtained the consent from such person regarding the collect, use, process, retain or transfer any of the Customer’s data and other information by the AMCM, the Bank and the other Easy Transfer service participants in these Terms and Conditions.
7.4	Customers hereby consent to the holding, processing, and transfer of Customer’s data provided to The Bank in connection with the usage of the Service. Pursuant to and for the purposes of paragraph 1 of article 6 and paragraph 1 of article 20 of Law 8/2005 (as applicable), Customers further expressly authorize the Bank to disclose Customer’s data to any to parties inside or outside of the Macau SAR insofar as such disclosure is required by law or made to enable the Bank to perform the Bank’s obligations hereunder and Customers hereby waive the corresponding banking secrecy rights pursuant to article 80 of Decree-Law no. 32/93/M in connection thereof.

Customer shall take proper care of all the materials and information related to the Easy Transfer, including FPS ID and mobile phone number, etc. To avoid any unauthorized use by any unauthorized person or for any unauthorized purpose. In case a potential material and information is stolen, Customer should immediately contact the Bank in order to temporarily suspend or permanently terminate the related service.

The Bank shall not be liable for any loss, damage, or expense that may arise or suffer from the use of the Easy Transfer by the Customer or any other person, or by processing or executing the Customer's instructions or requirements relating to the Easy Transfer, unless any such loss, damage, or expense is directly and reasonably foreseeable and is directly caused by negligence or willful default of the Bank or its officers, employees or agents.

10.

When Customer authorizes other persons to issue instructions or requests to the Bank regarding the use of the Easy Transfer service (whether the authorized person is an individual, a company, a corporation, a sole proprietor, or in partnership or any other form of incorporated organization):

10.1	The Customer should be responsible for all acts and omissions of each authorized person;
10.2	Any instructions or requests received by the Bank and believed by the Bank in good faith to be given by the Customer or any person authorized by the Customer should be irrevocable and binding on the Customer;
10.3	It is the Customer's responsibility to ensure that each person authorized by the Customer will comply with the provisions of these Terms and Conditions that are applicable to such authorized person when acting on behalf of the Customer.

11.

Customer must not use the Easy Transfer for cashing out, fraudulent transactions, money laundering, etc., and is obliged to co-operate with the Bank to conduct relevant investigations when deemed necessary. In the situation of refusal of co-operation or any suspicious transactions considered by the Bank of conducting fraudulent transactions, money laundering, cashing out or any other illegal activities, or any violation of these Terms and Conditions, the Bank has the rights to adopt any of the following measures:

i.	Suspend or terminate the Easy Transfer; and/or
ii.	Frozen the customer’s account; and/or
iii.	Claim all losses arising from such actions.

12.

The Bank reserves the right to block or suspend any access to the Easy Transfer in those instances that the Bank, pursuant to objective reasons, deems as appropriate, for the protection of the assets of Customer.

13.

These Terms and Conditions supplement and form part of the Bank's "Master Terms and Conditions" ("Existing Terms"). The provisions of the Existing Terms will continue to apply to the Easy Transfer to the extent that they are relevant and not inconsistent with the provisions of these Terms and Conditions. Unless otherwise specified, if the provisions of these Terms and Conditions are inconsistent with the provisions of the Existing Terms with respect to the Easy Transfer, the provisions of these Terms and Conditions shall prevail to the extent of such inconsistency.

14.

The Bank may at any time delete, add, or replace any terms of these Terms and Conditions (including any applicable fees or charges) regarding the Easy Transfer service by giving an announcement or notice to the Customer.

15.

The Easy Transfer is not targeted at customers in the European Union.

16.

The Terms and Conditions shall be binding on both of the Customer and the Bank, irrespective of whether the Customer is an individual, an association, a company, a corporation, a legal person or a successor. When the Customer shall consist of more than one person the obligations herein shall be joint and several.

17.

These Terms and Conditions and all rights, obligations, and liabilities hereunder shall be construed and governed in accordance with the laws of the Macau Special Administrative Region. Any disputes shall be resolved by the court of the Macau Special Administrative Region in accordance with the prevailing laws. Both the Customer and the Bank agree that the court of the Macau Special Administrative Region shall have the exclusive jurisdiction.

18.

In case of any conflict between the English and Chinese versions of these Terms and Conditions, the Chinese version shall prevail.

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Hotline 8796 8888

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