1. Introduction of Business eBanking
2. Transaction Status Enquiry
3. Account Enquiry
4. Fund Transfer
5. Foreign Currency & Gold Buy / Sell Order
6. eStatement & eAdvice Service
7. Time Deposit
8. ePayment
9. Remittance
10. e-Cheque service
11. Cheque Services
12. Payroll
13. Upload Payroll Instruction Service
14. Upload Batch Payment Instruction Service
15. Trade Services
16. Requisition
17. Other Services
18. Investment
19. Foreign Exchange Margin Trading
20. Administrator Management
21. Security Device
22. eCertificate Service
23. System Requirement
24. Security
   

 

 

1. Introduction of Business eBanking
Q: What is Business eBanking?
A:

Business eBanking is an innovative and integrated banking services for corporate users to manage their account activities through the use of Internet and telephone.

With Business eBanking, you can manage your corporate finances such as account enquiry and fund transfer at anytime, anywhere and anyhow.

 
 
Q: What kind of the banking services that are available through Business eBanking?
A:

You can manage your company accounts with the following Business eBanking:

Transaction Status Enquiry
Account Enquiry
Fund Transfer
Credit Card Payment
Foreign Currency & Gold Buy / Sell Order
ePayment (Bill Payment)
Electronic Bill Presentment & Payment Service
Time Deposit (Enquiry, Setup, Renewal and Withdrawal, Change of Maturity Instruction)
Rate Enquiry (Deposit Rates, Exchange Rates and Gold Prices)
Remittance (Telegraphic Transfer, CHATS and HK-Macau Instant Remittance)
Trade Services (Credit Limit Utilization Enquiry, Letter of Credit (L/C) Application and Amendment)
Payroll
Upload Payroll Instruction Service*
Upload Batch Payment Instruction Service*
Cheque Services (Stop Cheque Payment and Cheque Status Enquiry)
e-Cheque Services
Other Services (Change of User ID and PIN)
Cheque Book Requisition
Securities Trading
Foreign Exchange Margin Trading (Margin Deposit / Withdrawal)

*Not applicable to mobile devices, please access by personal computers.
 
 
Q: How can I apply for Business eBanking?
A:

You can visit any of our branches to apply.

Also, you may contact our Customer Service Hotline at 3199 9188 for details.
 
 
Q: What are the Service Hours, Cut-off Time and Value Date of Business eBanking?
A:
Service Type Service Hours Cut-off Time / Value Date

General Banking Services

  • Account Enquiry
  • Fund Transfer
  • Credit Card Payment
  • Nominated Account Transfer - "NACT" within OCBC Bank
  • Rate Enquiry
  • Online Requisition
 24 hours 20:00 / same day value
Nominated Account Transfer-"NACT" to other banks^ 24 hours Mon - Fri: 14:30
/ same day value
Nominated Account Transfer-"NACT" from other banks^ 24 hours Mon - Fri: 20:00
/ same day value
ePayment^ 24 hours Mon - Fri: 17:00
/ same day value

Payment or donation via Electronic Bill Presentment & Payment Service
Mon - Fri: 12:30
/ same day value
Time Deposit
  • Confirmation Enquiry
  • Placement, Renewal, Withdrawal, Change of Maturity Instruction
  
  • 24 hours
  • Mon - Fri: 9:00 - 20:00
20:00 / same day value
e-Cheque Issuance 24 Hours Immediately
Stop Cheque Payment Mon - Sat: 8:00 - 20:00 20:00 / same day value
Foreign Exchange Mon - Fri: 9:00 - 2:30 / [3:30]*
Sat: 9:00 - 13:00#
 20:00 / same day value
Gold Trading Mon - Fri: 9:00 - 2:30 / [3:30]* 20:00 / same day value
Renminbi (CNH) Services Mon - Fri: 9:00 - 17:00
Sat: 9:00 - 13:00#
Sun and Hong Kong public holiday: N/A		 Mon - Fri: 17:00
Sat: 13:00
/ same day value
Overnight Plus Deposit Account Services Mon - Fri: 9:00 - 16:00
Sat, Sun and Hong Kong public holiday: N/A		 16:00 / same day value

Trade Services

  • L/C Application and Amendment
  • Credit Limit Utilization Enquiry
24 hours

Mon - Fri: 9:00 - 18:00
Sat: 9:00 - 13:00
N/A
Payroll^ 24 hours Mon - Fri: 19:30
Sat: 13:00 (within OCBC Bank)
Same day value
Telegraphic Transfer^ 24 hours Renminbi: Mon - Fri 15:00
Other Currencies: Mon - Fri 15:00
/ same day value
CHATS^ 24 hours Mon - Fri: 15:00
/ same day value
HK-Macau Instant Remittance 24 hours Mon - Sat: 20:00
/ same day value
Other Services - Change of User ID & PIN 24 hours Immediately
Upload Payroll Instruction Service ^ 24 hours Mon - Fri: 12:00
/ same day value
Upload Batch Payment Instruction Service ^ 24 hours Mon - Fri: 12:00
/ same day value
Securities Trading Trading Day: 9:30 - 16:10
Preset Instruction: 18:00 - 9:15 (next trading day)

 Immediately (during Trading Hours)
9:15 (Pre-Market Session)
16:10

Foreign Exchange Margin Trading (Margin Deposit / Withdrawal) Mon - Fri: 9:00 - 2:30 / [3:30]*
Sat: 9:00 - 13:00#		 20:00 / same day value
- Business eBanking Services are not available for approximately half an hour from 8:00pm on each business day for data update.

* New York Winter Time
# Service is not available if Saturday is also a Hong Kong public holiday.
^ Instruction submitted after cut-off time will be executed on the next business day excluding Saturday.
 
 
Q: How many types of users does Business eBanking provide?
A: There are two types of users: Primary User(PU) and Secondary User(SU).
 
 
Q: What are the responsibilities of different user types?
A:

A Primary User is responsible for administrating company profile, such as maintaining company account profile and reducing transaction limits according to your business needs. Moreover, a PU is also responsible for creating and maintaining the functional profile of Secondary User.

A Secondary User is responsible for submission, approval, cancellation of transaction and also enquiry of a banking account balance regarding to his/her own functional profile.

 
 
Q: What is the maximum number of PU and SU for a company?
A: A company can register 2 PUs and 99 SUs.
 
 
Q: Can I be a PU and SU at the same time?
A: Yes. You are allowed to be PU and SU at the same time according to your business needs.
 
 
2. Transaction Status Enquiry
Q: How can I enquire the approval status of submitted instruction?
A: You can enquire the approval status of submitted instruction by accessing the "Pending Instruction Enquiry".
 
 
Q: How can I enquire the details of submitted forward date instruction?
A: You can enquire the details of submitted forward date instruction by accessing the "Forward Date Instruction".
 
 
Q: How can I enquire the result of submitted forward date instruction?
A: You can enquire the result of submitted forward date instruction by accessing the "Message Box" and "Forward Date Instruction".
 
 
3. Account Enquiry
Q: How can I check the balances of my registered accounts?
A: You can enquire your registered accounts balance details and transaction history by clicking the "Account Enquiry" button.
 
 
Q: What is the maximum day of transaction history I can attain for my registered accounts?
A: You can enquire the last 60 days activities for Current, Passbook Savings, Statement Savings, Overnight Plus, Foreign Exchange Margin Trading, and Securities accounts, and up to last statement date activities for Credit Card account.
 
 
Q: Can I enquire the transaction performed today?
A: Yes, you can enquire the transaction through "Today Activities".
 
 
4. Fund Transfer
Q: What should I pay attention to before confirming a fund transfer instruction?
A: Verify carefully the transferee's account number and transfer amount (and the account name if available) before confirming a fund transfer instruction. In case of any transfer to a wrong account by mistake, contact the transferor's bank for assistance as soon as possible. However, the transferee's bank may only return the fund back to the transferor's bank upon getting the transferee's consent. If the transferee is not cooperative or refuses to return the fund, the transferor should consider reporting the case to the police. Besides, anyone who discovers a deposit to his bank account from an unknown source and does not return the fund, he may be criminally liable.
 
 
Q: How can I know the fund transfer instruction is accepted by the Bank?
A: A confirmation message is displayed on the screen, when your instruction is accepted by the Bank.
 
 
Q: What is the Maximum Daily Transaction Limit of Business eBanking?
A: The Maximum Daily Transaction Limit are as follows:
 
Services Maximum Daily Transaction Limit (HKD Equivalent)
Internal Fund Transfer 50,000,000#
Transfer to
Pre-registered Account		 NACT 1,000,000
Telegraphic Transfer
HK-Macau Instant Remittance 		10,000,000
CHATS 10,000,000
ePayment
(shared with EBPP payment and donation) 		ePayment Total Limit 100,000*
Sub-limit for payment to "Primary or Secondary Education", "Post-secondary or Specialised Education", "Government or Statutory Organization" and "Public Utility" 100,000*
Sub-limit for payment to other merchants 50,000*
Payroll Service 3,000,000
Transfer to Non-registered Account Transfer to Other Local Bank Accounts 50,000
Transfer to Other OCBC Bank Accounts
Telegraphic Transfer
CHATS
HK-Macau Instant Remittance
e-Cheque Issuance 		2,000,000%^
"Upload Payroll Instruction Service" and "Upload Batch Payment Instruction Service" 2,000,000^
*ePayment Service Total Limit is shared among all payment types.
#Maximum exchange limit for each foreign currency and gold exchange transaction is HKD1,000,000 or equivalent. Minimum transaction limit for foreign currency exchange is HK$20 or equivalent. The calculation for equivalent HKD is based on the average exchange rate of the withdrawal currency during the previous business day.
^Only applicable to customer who has applied eCertificate Service
%Only applicable to customer who has applied Security Device
 
 
Q: Can I reduce the daily limit myself?
A: Yes, the PU can reduce the transaction daily limit by accessing Banking Service Maintenance page from the section of Company Administration and Enquiry. However, it is necessary to submit a Business eBanking Services - Company Profile Alteration Request Form to restore the reduced transaction daily limit and submit to any of our branches.
 
Q: Can I input any special characters in Customer Reference?
A: Only alphanumeric characters are allowed.
 
 
Q: What if my PC gets disconnected from the Internet in the transaction processing by accident? How will I know whether that transaction has been completed or not?
A: All successful transactions will be given a transaction reference number for your record. If a transaction reference number is not given, please re-login to Internet Banking Services and check the transaction history, account balances and today transaction activities through the "Account Enquiry" and "Today Activities" under "Account Services". Should you have any doubts or questions, please call our Customer Services Hotline at 3199 9188.
 
Q: How long I can place my forward date instruction?
A: You can set your forward date instruction up to 45 calendar days.
 
 
Q: Do I need to have sufficient fund in the debit account at the time I set a forward date instruction? What will be happened if there is insufficient fund in the debit account on the execution date?
A: It is not necessary to have sufficient fund in your account at the time you make a forward date instruction. However, you should make sure that you have the required amount in the debit account one day prior to the execution date.
 
 
Q: Can I cancel the forward date instruction before the execution date?
A: Yes, you can cancel the forward date instruction at least one calendar day prior to the execution date.
 
 
Q: What is Nominated Account Transfer "NACT"?
A: NACT enables customers to transfer fund to or collect fund from pre-registered third party accounts (including OCBC Bank accounts and other local bank accounts) via Internet Banking or Mobile Banking (applicable to personal customers only).
 
 
Q: When will the fund to be credited to the beneficiary's account for NACT?
A: For transferring fund to other bank's account, if the NACT instruction is submitted before the cutoff time (Please refer to the Service Hour Table) every business day (excluding Saturday), fund will be credited to the payee's account at the same business day (subject to the payee's bank arrangement). If the payee's account is maintained at OCBC Bank, the payment will be effected immediately.

Collection of fund from other bank's account will generally take 3 business days excluding Saturday, subject to the collection of fund by OCBC Bank.
 
 
Q: Can I make card payment through OCBC Business eBanking?
A: Yes, you can make card payment to your registered OCBC Bank Corporate Credit Card Account.
 
 
5. Foreign Currency & Gold Buy / Sell Order
Q: Is there any limitation for placing a Foreign Currency & Gold Buy / Sell order?
A: Yes, the buy / sell rate cannot be placed higher or lower than 5 % of the prevailing rate. Further, the exchange rate and gold price stored must be in multiple of 0.001 and 5 respectively, except GBP which is in 0.005 and JPY which is in 0.0001. Besides, the orders will be executed from Monday to Friday during the service hours when the Bank's rate quotation for such currency or gold is available at the time.
 
 
Q: Is there any minimum transaction requirement for placing a Foreign Currency & Gold Buy / Sell order?
A: Yes, the transaction amount of buy/sell order are restricted as follows:
Currency / Gold Minimum Withdrawal Amount Increment in Multiple of
HKD RMB
 50,000 5,000
GBP EUR 5,000 500
USD CAD AUD CHF NZD SGD
10,000 1,000
NOK SEK DKK
 50,000 5,000
THB 200,000 20,000
JPY 1,000,000 100,000
99 Gold / 9999 Gold 5 Taels 1 Tael
Gold Maple Leaf / Ounce Gold 5 Ounces 1 Ounce
 
 
6. eStatement & eAdvice Service
Q: What is eStatement & eAdvice service?
A: To encourage green living and paper saving, OCBC Bank introduces eStatement & eAdvice Service, enabling customers to view, print and download account statements and advices via Internet Banking. Enjoy this secure and convenient service and protect the environment.
 
 
Q: What account types are eligible for eStatement & eAdvice service?
A: Our eStatement & eAdvice Service covers a wide of account types, including but not limited to:
Category Account Types
Banking  -     Current Account Statement
 -     Statement Account Statement
 -     Multi-currency Statement Account Statement
 -     Overnight Plus Account Statement
 -     Integrated Account Statement
 -     Premier Banking Statement
Investment  -     Investment Account Statement
 -     Securities Account Statement
 -     Daily Activities of Investment Account
 -     Contract Note
 -     Consolidated Share Trading Advice and Receipt
 -     Securities Receipt And Credit/Debit Advice
 -     Securities Receipt And Credit/Debit Advice (IPO)
 -     Confirmation of Structured Deposit
 -     Daily Activities of Structured Deposit Account
Card  -     Credit Card Account Statement
 -     Cash Card Account Statement
 -     e-Money Loan Card Account Statement
 -     Revolving Credit Account Statement
 
 
Q: Is there any charge for using eStatement & eAdvice Service?
A: Our eStatement & eAdvice Service is free of charge.
 
 
Q: Do I need to register for eStatement & eAdvice Service?
A: This service is only applicable for customers of Business eBanking and the relevant account(s) should be added to the Business eBanking service.
 
 
Q: How can I view my eStatement & eAdvice?
A: Simply logon to Internet Banking to view, print and download the past 12 months' eStatement and the recent 3 months' eAdvice anytime anywhere.
 
 
Q: How long can I view my past eStatement & eAdvice?
A: You can view, print and download the past 12 months' eStatement and the recent 3 months' eAdvice via our Internet Banking.
 
 
Q: How can I discontinue / resume mailing of paper statements & advices?
A: Personal customers can register to "Discontinue Paper Statement & Advice" via Internet Banking. Besides, customers can submit a Discontinuation / Resumption of Statements and Advices Mailing Service Form to any of our branches to discontinue/resume paper statement & advice.

Corporate customers can submit a Discontinuation / Resumption of Statements and Advices Mailing Service Form to any of our branches to discontinue/resume paper statement & advice.

Instruction submitted will become effective within 3 business days.

Discontinuation of mailing service is on account basis. Once the instruction is effective, all statements and advices associated with the account number will no longer be mailed. Besides, please register email address to receive reminder email, notifying you that the latest statement is ready on Internet Banking.
 
 
Q: Will I receive email notification reminding me the latest statement is ready on Internet Banking?
A: Free email notification is only applicable to customers who have registered to "Discontinue Paper Statement & Advice".
 
 
Q: Is using eStatement & eAdvice safe?
A: eStatement & eAdvice are encrypted to protect customers' privacy.
 
 
Q: Do I need to install any software in order to view eStatement & eAdvice?
A: Customers are required to install Acrobat Reader and Chinese Traditional Font Pack on personal computers to view, print and download the eStatement & eAdvice in PDF format.
 
 
7. Time Deposit
Q: What types of time deposit services are available?
A: Time Deposit Confirmation Details Enquiry
Setup New Time Deposit
Time Deposit Renewal
Time Deposit Withdrawal
Change of Maturity Instruction
 
 
Q: Can I place any Time Deposit Maturity Instruction before the maturity date?
A: Yes. You can place Time Deposit Maturity Instruction one calendar day before the date of maturity. Otherwise, the principal and accrued interest would be automatically renewed for the same tenor.
 
Q: Is there any minimum deposit amount requirement for placing the Time Deposit through Internet / Telematic Banking Services?
A: Yes, the minimum deposit amount of Time Deposit is listed as follows:
Currency Minimum Deposit
(in original currency)
Australian Dollar AUD 1,000
New Zealand Dollar NZD 1,000
Canadian Dollar CAD 1,000
US Dollar USD 12,500
Pound Sterling GBP 500
Japanese Yen JPY 100,000
Swiss Franc CHF 1,000
Euro EUR 1,000
Norwegian Kroner NOK 5,000
Danish Kroner DKK 5,000
Swedish Kroner SEK 5,000
Singapore Dollar SGD 1,000
Thailand Baht THB 20,000
Hong Kong Dollar HKD 50,000
Renminbi CNY 20,000
 
 
8. ePayment
Q: What is ePayment Service?
A:

With ePayment Service, customer can make payment to more than 600 major merchants.

Payment to non-registered bills (except "Primary or Secondary Education", "Post-secondary or Specialised Education", "Government or Statutory Organisation" and "Public Utility" category) requires the use of Security Device.

The Bank will send a SMS notification to your pre-registered mobile phone number (if any) upon successful payment (except "Primary or Secondary Education", "Post-secondary or Specialised Education", "Government or Statutory Organisation" and "Public Utility" category).

You are advised to conduct regular review and delete unnecessary Bill Template via Internet Banking. A Bill Template will be deleted automatically if no payment was conducted for more than 12 months, or the merchant has ceased to be an ePayment merchant or terminated that bill type.
 
 
Q: When will the merchant receive my bill payment?
A: Under normal circumstances, the payment will be proceeded on the same business day, if the instruction is submitted before the cut-off time. (Please refer to the Service Hour Table) In case the instruction is submitted after cut-off time or during public holiday, it will be proceeded on the next business day excluding Saturday.
 
 
Q: What is Electronic Bill Presentment & Payment Service?
A: With this service, customers can view eBill summary issued by merchants and make payment or donation via Internet Banking. Please note that payment or donation service require applying ePayment Service in advance.
 
 
9. Remittance
Q: What are the advantages to use the remittance of Business eBanking?
A: You can save transportation time and manpower for submitting the paper application to us in person. Besides, through the Registered Telegraphic Transfer (TT), CHATS and HK-Macau Instant Remittance, you can place remittance instruction more efficiently.
Besides, you can submit your online pre-registered remittance applicable without filling in all the information again.
 
 
Q: What kinds of remittance are available through Business eBanking?
A: You can make Telegraphic Transfer, CHATS including HKD, USD & EUR and HK-Macau Instant Remittance via Business eBanking.
 
 
Q: When will the TT / CHATS instruction be executed?
A: Under normal circumstances, the TT / CHATS instruction will be executed on same business day, if the instruction is submitted before the cut-off time (Please refer to the Service Hour Table). In case the instruction is submitted after cut-off time or during public holiday, instruction will be executed on the next business day excluding Saturday.
 
 
Q: When will the beneficiary receive the fund?
A: For the TT / CHATS instruction submitted before the cut-off time (Please refer to the Service Hour Table), it will be executed on the same business day subject to good fund received. The beneficiary will receive the fund depending on the paying bank's and payee bank's processing time.
 
 
Q: How can I know the TT / CHATS instruction being executed and when can I get the receipt?
A: A message with transaction reference number will be posted at "Message Box" upon submission of the TT / CHATS instruction for notification. An official receipt will be mailed directly to your correspondence address.
 
 
10. e-Cheque service
Q: What is e-Cheque?
A: e-Cheque is an electronic counterpart of paper cheque where the cheque writing and deposit processes are totally online. It is in PDF format and conforms to the standard accepted by Hong Kong Interbank Clearing Limited (HKICL). It has similar layout of a paper cheque and it is not negotiable nor transferable.
 
 
Q: What currencies are supported for e-Cheque?
A: HKD, USD and RMB.
 
 
Q: Is there any charge for using e-Cheque Services?
A: e-Cheque Issuance & e-Cheque Deposit Services are free of charge. However, service fees might be levied in other e-Cheque Services, e.g. stop payment of an issued e-Cheque. The same fees are applicable to e-Cheque and Paper Cheque. For details, please refer to the current account section of OCBC Bank Service Fees.
 
 
Q: Who is eligible to use e-Cheque Service?
A: Customers who have opened a current account and registered for Internet Banking with Non-registered Third Party Account Transfer service can enjoy the e-Cheque Issuance service. Corporate customer is required to setup e-Cheque signing authority and transaction limits by submitting Business eBanking Services - Company Profile Alteration Request Form to any of our branches.
 
 
Q: What is the e-Cheque Signing Authority?
A: e-Cheque Signing Authority allows company to assign Secondary Users into different e-Cheque Signing Groups. Through the preset transaction limit(s) for different combination(s) of e-Cheque Signing Groups, the control of transaction limit can be achieved. Secondary User who was granted the e-Cheque signing authority should be classified into Group A, B or C. For e-Cheque issuance each time, it is required to select the e-Cheque Signing Group(s) and signer(s).
 
 
Q: What is the process for corporate customers to issue an e-Cheque?
A: The e-Cheque issuance process consists of e-Cheque creation and signing. To create an e-Cheque, a user needs to fill in the cheque details, and select the e-Cheque Signing Group(s) and signer(s) to submit for approval. An e-Cheque can be signed by ONE or TWO approvers. Then, the corresponding signer(s) can approve or reject the submitted e-Cheque. The e-Cheque will be issued after all required signers have finished signing.
 
 
Q: Can I edit the e-Cheque which has been submitted for approval?
A: No, but you may delete the submitted e-Cheque and create a new one to submit for approval if needed.
 
 
Q: Can I edit the e-Cheque which has been rejected by approver(signer)?
A: No. but you may create a new e-Cheque to submit for approval if needed.
 
 
Q: Can signer approve the pending e-Cheque if the signer has changed the e-Cheque Signing Group?
A: No, the pending e-Cheque cannot be signed if the signer no longer belongs to the e-Cheque Signing Group as defined in the e-Cheque submitted.
 
 
Q: Can I still be able to use paper cheque?
A: Yes.
 
 
Q: What is the validity period of an e-Cheque?
A: The e-Cheque will be valid for 6 months from the Cheque Date.
 
 
Q: Can I issue a back-dated e-Cheque?
A: No, back-dated e-Cheque is not allowed.
 
 
Q: Can I issue a post-dated e-Cheque?
A: Yes, you can issue a post-dated e-Cheque up to 3 months from the issue date.
 
 
Q: Can I issue bearer cheque or cash cheque for e-Cheque?
A: No, an e-Cheque must be addressed to a payee and deposited to the payee's bank account. Besides, it cannot be exchanged for cash over the bank counter.
 
 
Q: Can I edit the details of e-Cheque after submitting to issue?
A: No amendment is allowed after e-Cheque is submitted for issuance.
 
 
Q: How can I download the e-Cheque file again after issuance?
A: You can go to e-Cheque Issuance History to search and download the issued e-Cheque file.
 
 
Q: Can I stop an issued e-Cheque?
A: You can use the Stop Cheque function under Cheque Services on Internet Banking by inputting the e-Cheque number. A handling charge will be levied which is the same as for paper cheque. For details, please refer to the current account section of OCBC Bank Service Fees.
 
 
Q: How to deposit e-Cheque to OCBC Bank?
A: You can deposit e-Cheque to OCBC Bank accounts (including bank accounts and credit cards) through the e-Cheque Drop Box service provided by Hong Kong Interbank Clearing Limited (http://www.echeque.hkicl.com.hk).
 
 
Q: How can I check the details & status of the issued e-Cheque?
A: You may check the status of the issued e-Cheque in the past 6 months via e-Cheque Issuance History in Internet Banking.
 
 
Q: Is there a maximum cheque amount of e-Cheque issuance?
A: Yes, the amount is subject to your daily transfer limit of non-registered accounts in Internet Banking, while the limit is shared by all kinds of Non-Registered Account Fund Transfer, including OCBC Bank and Other Bank Account Transfer, Telegraphic Transfer, CHATS etc. For details, please refer to Fund Transfer.
 
 
Q: Do I need to install any software in order to view e-Cheque PDF file?
A: Customers are required to install Acrobat Reader and Traditional Chinese Font Pack on personal computers to view PDF file of e-Cheque.
 
 
11. Cheque Services
Q: How long can I enquire my issued cheque status?
A: There is no time restriction to enquire your issued cheque.
 
 
Q: Is there any handling charge for stop cheque payment?
A: Yes, a handling charge for stop cheque payment will be levied. For details, please refer to the current account section of our OCBC Bank Service Fees.
 
 
12. Payroll
Q: Do other local bank accounts can be registered as beneficiary account for payroll services?
A: Yes. For payroll service, you are required to pre-register the beneficiary account by submitting a "Business eBanking Services - Beneficiary Registration / Alteration Request Form" to any of our branches.
 
 
Q: What type of accounts can be accepted as a beneficiary account?
A: Only HKD Current, Passbook Savings and Statements Savings accounts are accepted.
 
 
 
Q: When will the beneficiary receive the fund if I submit the payroll instruction before the cut-off time?
A: If the beneficiary account is OCBC Bank Bank account, the beneficiary will receive the fund in the next business day. Otherwise, it will generally take one business day depending on the processing time of the receiving banks.
 
 
13. Upload Payroll Instruction Service
Q: What is Upload Payroll Instruction Service?
A: Customer can conduct payroll transactions by uploading a specific payment instruction file. Application of eCertificate Service is required but pre-registration of beneficiary account is not necessary for this service.
 
Q: Which file type does this service support?
A: Customer can upload the payment instruction file in the form of CSV or the file generated from Magnetic Autopay System software (MAS). The file format of generating a CSV file could be referred to Business eBanking Services - User Guide.
 
Q: When will the beneficiary receive the fund if I submit the payroll instruction before the cut-off time?
A: If the beneficiary account is OCBC Bank account, the beneficiary will receive the fund on the same day. Otherwise, it will generally take one business day depending on the processing time of the receiving banks.
 
 
14. Upload Batch Payment Instruction Service
Q: What is Upload Batch Payment Instruction Service?
A: The operation of "Upload Batch Payment Instruction Service" and "Upload Payroll Instruction Service" are mostly the same except the description on the monthly statement. If the beneficiary account is OCBC Bank account, the transaction description on the monthly statement will be indicated as "TRANSFER CREDIT" instead of "PAYROLL DEPOSIT".
 
 
15. Trade Services
Q: What are the advantages to use the trade services of Business eBanking?
A: By using the trade services of Business eBanking, you can save transportation time and manpower for submitting the paper application so as to speed up the processing time.
 
 
Q: What kind of trade services are available through Business eBanking?
A: Credit Limit Utilization Enquiry
Inward Bills Transaction Enquiry
Outward Bills Transaction Enquiry
Letter of Credit (L/C) Application
Letter of Credit (L/C) Amendment Application
 
 
Q: How can I know the L/C application has been rejected?
A: While the L/C application was successfully submitted, an acknowledgement number will be generated for your reference. In case of rejection, our staff will contact you directly and also a message will be posted at "Message Box" for notification.
 
 
Q: Can I save some frequently used L/C application and L/C amendment for future use?
A: You can create L/C application and L/C amendment templates through "new template" function at L/C Application Template. It facilitates you to make new L/C application(s) and L/C amendment effectively.
 
 
Q: Can I save some frequently used terms for future use?
A: You can save some frequently used terms on Clipboard(s) at L/C BENEFICIARY, DOCUMENTS REQUIRED, GOODS DESCRIPTION and OTHER TERMS AND CONDITIONS to facilitate making new L/C application.
 
 
16. Requisition
Q: How many cheque books I can request at the same application?
A: You can request up to 5 cheque books per application.
 
 
Q: What types of cheque book can I request for?
A: A bearer type cheque book will be given for HKD current account. An order type cheque book will be provided for USD current account.
 
 
17. Other Services
Q: Can I change my User ID and PIN?
A: You may change your User ID or PIN online by selecting "Change of User ID" or "Change of PIN" under the "Other Services" section.
 
 
Q: For the first time login, do I need to change the PIN?
A: For the first time login, you are required to change your User ID and PIN.
 
 
Q: What can I do if I forget my User ID / PIN?
A: You should re-issue your User ID and PIN by submitting the Business eBanking - User Alteration Request Form to any of our branches.
 
 
Q: What will happen if I enter an incorrect PIN?
A: Your service will be suspended if you enter incorrect PIN for 5 times consecutively. You are required to submit the Business eBanking - User Alteration Request Form to reissue your PIN.
 
 
Q: How can I re-activate the disabled account service?
A: You should re-issue your User ID and PIN by submitting the Business eBanking - User Alteration Request Form to any of our branches.
 
 
Q: Can I re-register after suspending the use of Business eBanking?
A: Yes, you can choose to temporarily suspend your Business eBanking by submitting a Business eBanking - User Alteration Request Form to any of our branches. You may also resume your services thereafter by submitting a Business eBanking - User Alteration Request Form. A new set of User ID / Telematic code and PIN will be reissued.
 
 
Q: What is the service fees for Business eBanking?
A: Business eBanking is a free of charge service. However, please note that service fees are applicable to designated services such as remittance services and stop cheque payment etc. For details, please refer to OCBC Bank Service Fees.
 
 
18. Investment
Q: What are the services provided by "Investment" services?
A:

"Investment" services provide you with various online investment services, including:

Portfolio enquiry of your Securities Account and Investment Account
Securities trading includes buy / sell order placement, order status enquiry, order reduction and order cancellation
Real time and delayed stock price enquiry
Securities transaction history enquiry up to last 60 days
 
 
Q: What type of investment product can I trade through "Securities" services?
A: All securities and warrants listed on the Hong Kong Exchange and Clearing Limited can be traded in "Securities" services.
 
 
Q: What should I pay attention to before I place a securities trading order?
A:

Prior to placing a buy securities trading order, there must be sufficient funds in your settlement account to cover the trading amount including commission and other charges. The amount will be withheld upon broker's acknowledgment of your buy order. An extra amount of CNY 2.00 will be held for each CNY denominated stock buy order for the purpose of settling the shortfall of various trading related fees (including stamp duty, transaction levy, Financial Reporting Council transaction levy, investor compensation levy (currently exempted), trading fee, trading tariff, etc.) payable by you in Hong Kong dollars after converting such by using the relevant exchange rate determined by the Hong Kong Monetary Authority, subject to the Bank's absolute discretion.

Likewise, prior to placing a sell order, there must be sufficient available quantity for sale in your securities account. The securities sold will be withheld upon acknowledgment of your sell order.
 
 
Q: How can I check the available balance of my settlement account?
A: You can check the available balance of your settlement account through clicking "Settlement A/C Balance" button during you place an order. Alternatively, you can check the balance via "Account Services".
 
 
Q: How can I check the net quantity for trade of the securities?
A: You can check the net quantity for trade of the securities by clicking "Stock Balance" button. Alternatively, you can check the balance via "Account Services".
 
 
Q: How can I inquire the stock price for securities order placement?
A: You can check the stock price through clicking "Stock Price Enquiry" button when you place an order. Besides, you can inquire more details of stock price by using "Stock Price Enquiry" service.
 
 
Q: Can I sell shares bought on the same day?
A: Yes. Once your purchase order has been executed, you can sell the shares thereafter.
 
 
Q: Can I buy shares using the sales proceeds from the stocks I sold on the same day?
A: Yes. Once your sell order has been executed, the funds can be used immediately to buy shares.
 
 
Q: How can I be sure that the securities order has successfully reached OCBC Bank?
A: You will receive an unique order number for each individual order you placed. However, it only represents that the order is acknowledged by the Bank. You are recommended to check the latest status of the order through "Order Status" services.
 
 
Q: How long does the securities order last?
A: The securities trading order will stay valid until the end of the trading day unless a cancellation is received.
 
 
Q: How do I know the transaction status of my securities trading order?
A: Through "Order Status" service, you can inquire the latest order status of your all securities trading order placed on current trading day, last trading day (T-1) and last 2 trading days (T-2). Further, you can inquire the completed securities trading order up to last 60 days by using "Transaction History" service.
 
 
Q: What is the settlement procedure for online securities trading?
A: Settlement arising from online securities trading will be debited from / credited to your settlement account on settlement date (T+2). Your securities will be safe kept under the nominee account of OCBC Bank. This is to ensure that all the dividend and bonus shares are credited to your custody account.
 
 
Q: Can I place order by email instead of the online trading system?
A: The Bank do not accept securities order through email. Indeed, email is not a secure communication method.
 
 
Q: What is Enhanced Limit Order?
A: Enhanced Limit Order is an order type that allows matching in up to 10 price queues, where the price of the trade generated is at or better than the limit price. The unfilled orders after matching will be converted to limit orders at the input limit price.
 
 
Q: How many free real-time stock quotes offered?
A: You are entitled to 300 times free real-time stock quote per month. For OCBC Premier Banking Customers, you will be offered 2,000 times free real-time stock quote per month. You can also apply "Additional Stock Quote" Service for additional usage on top of the free quotes offered.
 
 
19. Foreign Exchange Margin Trading
Q: What are the services provided by "FX Margin Trading" services?
A:

"FX Margin Trading" services provide you with various online services, including:

Margin Trading Account Balance Enquiry
Margin Trading Account Transaction History Enquiry
Outstanding / Setoff transaction Enquiry
Margin Deposit / Withdrawal
 
 
Q: What is "Currency Transfer"?
A: "Currency Transfer" allows you to transfer fund from one currency to another currency under same Margin Trading account. It facilitates you to settle the outstanding interest payable amount for the setoff transaction. The currency transfer should be made in either HKD or USD.
 
 
20. Administrator Management
Q: What functions do "Company Administration and Enquiry" provide?
A:
Company Profile Enquiry - Enquire company's profile details
Approval Matrix Enquiry - Enquire the company's transaction approval limit setting by the different combination of Approval Groups (i.e. A, B & C)
Account List Maintenance - Disable the account permission
Banking Service Maintenance - Suspend the service of the company and lower the transaction daily limit
Instruction Enquiry - Enquire the registered transfer instruction
 
 
Q: How can I re-activate the disabled account service and reset the reduced daily transaction limit?
A: You should submit a Business eBanking - Company Profile Alteration Request Form to any of our branches. Normally, it will take approximate two business days for processing.
 
 
Q: How can PU know he/she has to approve the new SU?
A: PU should check the "Pending For Approval Request " by clicking "User Administration Pending List" to approve the new SU.
 
 
Q: What should the PU does before he/she approves the authorization of the new SU?
A: PU should verify the profile of new SU by clicking the hyperlink "Please click here to enquire and update the user profile". Then, PU can check the user details, such as NACT list, Account List & Service List through the hyperlink of the right corner respectively. After that, PU should back to "User Administration Pending List" and approve the SU.
 
 
Q: What can I enquire from the "User Activities History"?
A: You can enquire the instructions made by the designated user.
 
 
Q: How can PU enquire his/her administration record?
A: PU can enquire the administration record of the company or SU by clicking "Administration History".
 
 
Q: How long the record can be enquired?
A: You can enquire the administration record up to last 30 calendar days.
 
 
21. Security Device
I) Introduction
Q: What is a Security Device?
A: A Security Device is a portable electronic device used to generate one-time Security Code. Security Code are required to authenticate designated e-Banking transactions. Each business e-Banking account is linked to one Security Device only.

OCBC Bank Business Security Device
 
 
Q: What is a Security Code?
A: A Security Code is the random 6-digit one-time password generated by the Security Device. It is used to verify a user's online identity and is only valid within a short time interval.
 
 
Q: What is a Serial Number?
A: A Serial Number is the unique number printed on the back of the Security Device. The number consists of 10 digits and is in form of XX-XXXXXXX-X (e.g. 01-2345678-9).
  The Serial Number is required to activate Security Device in order to link a unique Security Device to your Business e-Banking account. Thus, it is the only Security Device to access your Business e-Banking services.
 
 
Q: Why do I need the Security Device?
A: To enhance online security, you are advised to apply for a Security Device as it is a reliable tool to verify your identity and authenticate designated e-Banking transactions. With a Security Device, you can enjoy full access to our e-Banking services.
 
 
Q: When do I need the Security Device?
A: Below are the designated e-Banking transactions required the Security Device:

- Non-registered Third Party Account Fund Transfer
- Non-registered Other Bank Account Transfer
- Non-registered CHATS
- Non-registered TT
- Non-registered HK-Macau Instant Remittance
- ePayment (EPSCO bill payment to non-registered bills)
- EBPP bill payment to non-registered bills and donation Financial
- e-Cheque Issuance
- Approval required transactions (For approver)
 
 
Q: How can I apply for a Security Device?
A: You can apply for a Security Device by visiting any one of our branches.
 
 
Q: How many Security Device do I need if I have registered for more than one Business e-Banking profile?
A: Each Secondary Users should be paired up with one Security Device.
 
 
Q: Do I need to pay for the Security Device?
A: The Security Device is free of charge for all first-time applications. However, replacement due to lost or damage will be subject to a $100 fee.
 
 
II) Activation
Q: What should I do after I have received the Security Device?
A: You should activate the device as soon as possible.
 
Q: How to activate a Security Device?
A: Please follow the below steps to activate your Security Device:

(1)Login to Business e-Banking
(2)Go to "Other Services" -> "Activate Security Device"
(3)Input Serial Number and Security Code, then Click "Submit"
(4)A Security Key No. will be sent to your registered mobile phone number. Enter the Security Key No. and click "Confirm"
(5)You will see the message "Your Instruction was executed" and it means your Security Device is activated. You can use the device to perform transactions immediately.

 
 
III) Using e-Banking with Security Device
Q: What transaction specific information do I need to enter into my Security Device when I am performing designated e-Banking transactions?
A: Please follow the on-screen instructions on the e-Banking pages to input the correct information into your Security Device and generate the required Security Code.
  Examples of such instructions are shown below:
Beneficiary account number / Bill account number / Debtor reference Instructions Example Input
With 8 or more digits Enter the last 8 digits only. 123-4-567890
01234567		 34567890
01234567
With 4-7 digits Enter all digits. 123456 123456
With 0-3 digits Verification is not applicable at Business e-Banking. Please perform your transaction at any of our branches. 123
AB12CD3E		 N/A
Comprising numeric and non-numeric characters Skip all non-numeric characters. Enter the digits into the Security Device. 00123A45B678E9
A12233		 23456789
12233
 
 
Q: If I input wrong information to the Security Device, how can I change it?
A: You can pressbutton to delete your last entry. Press and holdbutton to clear all your inputs.
 
 
Q: Why the Security Code I entered when performing designated e-Banking transactions is not accepted?
A: Your entered Security Code may not be accepted due to one of the following reasons:

1.You may have entered an invalid Security Code (including the entered Security Code not equal to the one displayed on your Security Device or entered incorrect transaction specific information into your Security Device).
2.Each Security Code is only valid for a short time interval. The time permitted for entry of the Security Code has expired.

Please follow the on-screen instructions and repeat the process to generate a valid Security Code. If the Security Code is still not accepted, please contact our Customer Service Hotline at 3199 9188.
 
 
Q: What should I do if I have incorrectly entered the Security Code for several times?
A: If you have incorrectly entered the Security Code for several times consecutively, your Security Device will be suspended and you are not able to perform any designated e-Banking transactions. Please contact our Customer Service Hotline at 3199 9188 for reactivation.
 
 
IV) Troubleshooting
Q: What should I do if my Security Device is lost / stolen?
A: Please contact our Customer Service Hotline at 3199 9188 or visit any of our branches to suspend your Security Device and request for replacement immediately.
 
 
Q: What should I do if my Security Device is broken / running out of battery?
A: The battery in your device cannot be replaced. Please contact our Customer Service Hotline at 3199 9188 or visit any of our branches and request for replacement.
 
 
Q: Do the buttons "" and " " indicate any special functions?
A: There are no particular usages associated with these buttons at this moment.
 
 
22. eCertificate Service
Q: What is eCertificate Service?
A: eCertificate Service is an authentication scheme that increases online security for verifying a user's identity. Applicant will be issued a USB Security Token and its eCertificate Password for conducting designated transactions / instructions.
 
Q: Which type of transactions are required to apply for eCertificate Service?
A: Customer can apply eCertificate Service for each designated user in order to conduct the following transactions:
Upload Payroll Instruction Service
Upload Batch Payment Instruction Service
 
Q: How to use the USB Security Token?
A: Please plug in the USB Security Token into a computer and follow the screen instruction to install the eCertificate software first. You are advised to change the initial eCertificate Password on the first log in. Details could be referred to Business eBanking Services - User Guide .
 
Q: How to change my eCertificate Password?
A: You may use the software appended in the USB Security Token to change your eCertificate Password. Firstly, plug in the USB Security Token into a computer. In Start Menu, open All Programs > EnterSafe > ePass3003 Token Manager. Select 'Change User PIN' and enter the Old and New User PIN, then click OK.
 
Q: Is eCertificate Password secure?
A: eCertificate Password must be 8 characters with combination of letters and numbers. The USB Security Token will be suspended after 6 consecutive invalid attempt.
 
 
23. System Requirement
Q: What is the minimum system requirement for the use of Business eBanking?
A:

Hardware requirements:
A Personal Computer (PC) with
Intel Pentium 4 CPU or higher
512 MB or more main memory (RAM)
56kbps modem or broadband connection to Internet but broadband is recommended
SVGA Monitor

Display:
800 x 600 pixels, 256 colour

Software Requirements:
Windows or Mac OS X operating system
Internet Explorer 11, Mozilla Firefox 3.8, Safari 8, Chrome 58 or higher, it must support TLS 1.2 encryption or above with Java Script, Cookies enabled

Java Runtime Environment:
Java Version 1.8.0_66 or above
 
 
24. Security
Q: Is it secure to perform transactions through Business eBanking - Internet Banking Services?
A:

Our Internet Banking Services provide the following security measures to ensure your banking information and account details are secure.

a. Select your User ID and PIN once you login to Internet Banking Services for the first time, you are required to select a unique User ID and PIN. You must enter correct User ID and PIN, every time you enter to OCBC Bank Business eBanking.
b. Internet Banking Services will be automatically terminated if there is no activity for 10 minutes in order to protect against unauthorized access.
c. Secure Socket Layer (SSL) with 128-bit encryption is employed to ensure confidentiality. All data and information transmitted between you and our Internet Banking Service are encrypted by using 128-bit encryption.
 
 
Q: What should I do to reinforce security?
A:

Despite the enormous efforts taken by us, you are playing an important role in ensuring the system security. The following security tips are highly recommended:

a. Install anti-virus and/ or anti-spyware software in your personal computer and update the software regularly to ensure you have the latest protection.
b. Install a personal firewall on your personal computer to help your prevent unauthorized access and update the firewall regularly to ensure you are covered with the latest protection. For details, please contact your software vendor.
c. Install security updates and patches to your personal computer or browser when they are made available. They are designed to provide you with protection from known possible security problems.
d. Do not conduct Internet Banking Services transaction using the personal computers that are available for public access (e.g. Cyber Cafe).
e. Do not open Email attachment from unknown, suspicious or unreliable sources.
f. Do not install unlicensed software, which may contain bugs and viruses.
g. To prevent installation of spyware, do not download any software with unknown sources, e.g. free-ware, music, or screen savers, etc.
h. Do not leave your relevant devices (e.g. personal computers or mobile phone) unattended in the middle of a session.
i. Do not browse other website by opening a new session, while you are using Internet Banking Services.
j. Verify the security certificate of our website by clicking the 'Lock' icon at the browser's address bar.
k. Limit the access to your personal computer only to reliable persons.
l. Regularly check your account balances and statements. If any suspicious account activities were found, please contact us via our Customer Services Hotline at 3199 9188.
m. Always logout after you have completed your Internet Banking Services transaction.

For User ID and PIN
n. Select a new User ID and change the initial PIN immediately while login to Internet Banking Services for the first time.
o. Keep your User ID and PIN well to prevent them from being stolen.
p. To protect your interest, we suggest you destroying the PIN documents after memorizing the PIN.
q. Do not keep any written record of the User ID and PIN near the computer.
r. Do not disclose your User ID and PIN to anyone else including our staff.
s. Do not write down or record your PIN without disguising it.
t. Do not allow others to use your User ID and PIN.
u. Do not use easy accessible number or data such as your birthday, ID or personal telephone number as your User ID or PIN.
v. Do not use the same set of User ID or PIN from other Internet site.
w. Change your PIN and check the security advice through our website (http://www.ocbc.com.hk) from time to time.
x. Change your User ID or PIN periodically. For example every 30 or 60 days.
y. Always contact us immediately if you lose your User ID or PIN, or suspect your Internet Banking account is stolen.
 
 
Q: Do I need to inform the Bank if I have changed my contact phone number and/or correspondence address?
A: Yes, to ensure the Bank can contact you in an efficient manner, please inform us your latest contact phone number and/or correspondence address by submitting a Change of Address Form to any of our branch.
 
 
Q: Can I exit Internet Banking Services by simply double clicking the button at the top right hand corner of the browser?
A: You should click the "Logout" button at the right-hand corner to exit Internet Banking Services. This will ensure that your account has been properly logged off. If you exit the service by simply clicking the button at top right hand corner of the browser, your Internet Banking Services will still be available until exceeding valid time.
 
 
Q: What should I do to avoid storing my PIN or Password when using a browser?
A:

IE 6.0 or above:

i. Select "Tools" from Menu bar
ii. Pick "Internet Options" and choose "Content"
iii. Under "Personal Information", click on "AutoComplete"
iv. Uncheck "User names and passwords on forms"
v. Click on "Clear Passwords"
vi. Click on "OK" to save the changes

Mozilla Firefox 3.6.3 or above:

i. Select "Tools" from Menu bar
ii. Pick "Options" and choose "Security"
iii. Uncheck "Remember passwords for sites"
iv. Click on "OK" to save the changes
 
 
Q: How do I know I have accessed to the web page of Business eBanking - Internet Banking Services that belongs to OCBC Bank?
A: You may verify the security certificate of our website by clicking the 'Lock' icon at the browser's address bar, which a server certificate issued by VeriSign will appear and the details validity of the certificate will be shown.
 
 
Q: What should I do if I want to enable the TLS feature?
A:

Steps to enable TLS for Microsoft Internet Explorer:

i. Select [Tools] from the Menu bar
ii. Select [Internet Options]
iii. Select [Advanced] Tab
iv. Go to [Security] Section and click [Use TLS 1.2] checkbox
v. Click [OK] to exit the dialog box

Steps to enable TLS for Mozilla Firefox:

i. Select [Tools] from the Menu bar
ii. Select [Options]
iii. Select [Advanced]
iv. Go to [Encryption] Tab and click [Use TLS 1.2] checkbox
v. Click [OK] to exit the dialog box
 
 
Q: How should I know my personal computer has already installed with Java Runtime Environment?
A:

Steps to check/enable Java Runtime Environment for Windows Microsoft Internet Explorer:

  1. Open Internet Explorer
  2. Select [Tools] from the Menu bar
  3. Select [Internet Options]
  4. Select [Advanced] Tab
  5. Go to Java (Sun)
  6. Click "Use Java" (Java Runtime Environment Version must be 1.8.0_66 or above)

  7. Click [OK] to exit the dialog box
  8. Restart Internet Explorer

Steps to check/enable Java Runtime Environment for Windows Mozilla Firefox:

  1. Open Mozilla Firefox
  2. Select [Tools] from the Menu bar
  3. Select [Options]
  4. Select [General]
  5. Click "Manage Add-ons"
  6. Go to [Plugins] tab and enable "Java" (Java Runtime Environment Version must be 1.8.0_66 or above)

  7. Restart Mozilla Firefox

Steps to check/enable Java Runtime Environment for Mac OS X Safari:

  1. Open [Finder]
  2. Select [Applications] from the Menu bar
  3. Select [Utilities]
  4. Select [Java Preferences] to install and check the version (Java Runtime Environment Version must be 1.8.0_66 or above)

  5. After installed, Open Safari
  6. Select [Preferences]
  7. Click [Securities]
  8. Click [Enable plug-ins] and [Enable Java]
  9. Restart Safari