FAQ
(updated in December 2013)
Table of Contents
1. General
2. Functions
3. Security
4. Digital Certificate
5. One-time Password
6. Troubleshooting
7. Operations of Corporate Cyberbanking
1. General
Q1.1 How can I apply for Corporate Cyberbanking?
You can open a Corporate Cyberbanking account at any BEA branch in Hong Kong.
Q1.2 How, when, and where can I use Corporate Cyberbanking?
If you can access the Internet with the recommended hardware, software, and browsers, you will be able to enjoy Corporate Cyberbanking service without any time or geographical restrictions.
Q1.3 What types of account can I access through Corporate Cyberbanking?
Once you open a Corporate Cyberbanking account, you can access the following types of account*:
- Current accounts
- Multi-currency statement savings accounts
- Time deposit accounts
- HKD savings accounts
- Foreign currency savings accounts
*Accounts must first be registered as related accounts under Corporate Cyberbanking before they can be accessed.
Q1.4 What is the service charge for Corporate Cyberbanking?
Aside from transaction fees on designated services (including remittance, trade services, and merchant services), Corporate Cyberbanking is free of charge. Please note that charges and annual fees may apply for additional services.For a list of charges, please refer to our Bank Charges by clicking here.
Q1.5 Can I lower the daily transaction limit of my account?
Yes, you can lower your withdrawal limit at any time.
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2. Functions
Fund Transfers
Q2.1 Are there any restrictions when transferring funds to BEA China accounts?
Fund transfers to BEA China accounts can only be made in Hong Kong dollars or US dollars. Therefore, the receiving BEA China account must be a HKD or USD account. In addition, fund transfers can only be made during service hours on a working day in both Hong Kong and Mainland China, Monday to Friday from 9:00 a.m. to 3:00 p.m.
Bill Payment
Q2.2 Which daily withdrawal limit applies to bill payment transactions?
The daily withdrawal limit called "To pre-designated 3rd party account (BEA and other banks)" will apply to all bill payment transactions.
Q2.3 How do I start using the e-bill service?
Click “Cash Management” and “E-bills”, and then enrol for your e-bills by selecting from the available merchants. You will receive confirmation by email and webmail once your enrolment is successful.
Q2.4 Will I receive notifications for my e-bills?
Email and webmail notifications will be sent to you when you receive an e-bill summary from a merchant. You can also view your e-bills using the “E-bill Summary” function.
Q2.5 How do I pay my e-bills?
To pay an e-bill, go to “E-bill Summary” and click “Pay” next to the bill you want to pay. Payments can be made in HKD, USD, and RMB.
e-Statements
Q2.6 For which account types are e-Statements available?
E-Statements are currently available for the following accounts:
-
HKD current accounts
-
USD current accounts
-
Statement savings accounts
Q2.7 Will my company still receive physical statements after registering for e-Statement service?
Yes, your company will still receive physical statements after registering for e-Statement service.
Q2.8 How long will past e-Statements be retained?
You can view e-Statements via Corporate Cyberbanking - Internet for a maximum period of two years from the statement date.
Q2.9 How can I identify an authentic e-Statement from BEA?
Every e-Statement in PDF format will be signed by a digital certificate from BEA to verify the e-Statement's authenticity and integrity. To validate the digital signature of the Bank, you need to download BEA's digital certificate to your Acrobat Reader. For more information, please click here.
Linked Deposits
Q2.10 What are Linked Deposits?
Linked Deposits are structured products which involve or have embedded derivatives. The total return of a linked deposit is subject to the performance of the underlying financial instruments. However, linked deposits are not the same as, nor should they be treated as a substitute for, traditional time deposits. Please refer to the Principal Brochure of each specific linked deposit the details of the product features and risk factors.
Q2.11 What types of Linked Deposits are provided in Corporate Cyberbanking?
The following types of Linked Deposits are provided:
| - | Currency Linked Deposits |
| - | Equity Linked Deposits |
Q2.12 How can I use BEA's online linked deposit services?
To use our online linked deposit services, you must:
| - | Hold a CorporatePlus - Linked Deposit Account and a CorporatePlus - Securities Account (for equity linked deposits) |
| - | Register above-mentioned accounts under Corporate Cyberbanking for online transactions |
| - | Register one or more authorised signers to place linked deposit orders via Corporate Cyberbanking |
| - | Complete the online risk assessment questionnaire |
Q2.13 How can I check the Linked Deposits transaction status and history?
You can check the transaction status and history via the Linked Deposits "Account Enquiries" function.
Q2.14 What are the service hours for online Linked Deposits services?
The service hours for our online Linked Deposits services are as follows:
Functions
| Linked Deposits Account Enquiry | | | 24 hours |
| | | |
| Rate Enquiry | | |
| Currency Linked Deposits | Monday-Friday: | | 9:15 a.m. - 7:00 p.m. |
| Equity Linked Deposits | Monday-Friday: | | 9:30 a.m. - 7:00 p.m. |
| | | |
| Order Placement | | |
| Currency Linked Deposits | Monday-Friday: | | 9:15 a.m. - 5:30 p.m. |
| Equity Linked Deposits | Monday-Friday: | | 9:30 a.m. - 12:00 noon |
| | | 1:00 p.m. - 3:30 p.m |
Stock Trading
Q2.15 Will there be any
additional costs for the securities transactions that I need to pay other
than those mentioned in the Bank Charges for Custodial and Trade-related
Services at BEA homepage?
Apart from the charges for
securities transactions mentioning in Bank Charges for Custodial and
Trade-related Services at BEA homepage, investors should be aware that
investing in companies which incorporated in certain countries may be
subject to additional taxes, including but not limited to capital gain
tax on gains earned on a sale of shares imposed by Italian
Authorities, financial transaction tax on the purchase of shares
issued by Italian companies and listed in Hong Kong, and 10% dividend
withholding when the PRC enterprises distribute their dividends to
non-resident enterprise shareholders as enterprises income tax. Investors
should understand the relevant requirements and prepare to pay
additional taxes before making investment.
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3. Security
Q3.1 How do I log in to the Corporate Cyberbanking website safely?
You can safely log in to Corporate Cyberbanking by visiting BEA’s homepage at www.hkbea.com or Corporate Cyberbanking’s webpage at www.hkbea-cyberbanking.com/corporate.
BEA will never ask you for your PIN by email or phone. In addition, please do not click on any URLs or hyperlinks embedded in email to access our Bank's website, or to log in to Corporate Cyberbanking.
Q3.2 Does Corporate Cyberbanking include any additional security features?
Corporate Cyberbanking offers 8 types of security measures to safeguard your financial information:
1. Personal Identification Number ("PIN") and Digital Certificate
You can log in to Corporate Cyberbanking by using your Corporate Cyberbanking account number and PIN or designated digital certificate issued by Digi-Sign Certification Services Limited ("Digi-Sign").
2. Last Login Time
You can also view your previous login date/time after successfully logging in to Corporate Cyberbanking.
3. Automatic Exit
To help prevent unauthorised access, a Corporate Cyberbanking session will be automatically terminated if it has been idle for 10 minutes.
4. Regular Change PIN Reminders
Users are asked to change their PINs every 90 days. When creating a new PIN, a user cannot re-use the old PIN (unless a digital certificate is used to log in).
5. Secure Socket Layer ("SSL") 128-bit Encryption
"SSL" is an international and proven standard employed to ensure secure transmission of information. All information transmitted between your computer and the Bank through the Internet is encrypted.
6. Corporate Cyberbanking will alert customers via email and/or SMS whenever they complete a high-risk transaction online, such as transferring funds to an unregistered third-party account. Please ensure that the following transaction details shown in the email/SMS are the same as your instruction.
-
BEA Identity Message
-
Transaction amount
-
Beneficiary account
7. To perform high-risk transactions online, you must have a valid email address and/or phone number on record for the relevant Corporate Cyberbanking account. Please contact your Corporate Cyberbanking System Administrator for assistance and ensure that your record is up-to-date at all times.
8. The daily withdrawal limit for fund transfers conducted via your Corporate Cyberbanking account to non-designated third party accounts will be reset to zero if you have not conducted a transaction with such accounts via your Corporate Cyberbanking account for one year. If you would like to adjust the daily withdrawal limit, please contact your account opening branch.
Q3.3 Where can I obtain more security tips for Corporate Cyberbanking?
Please refer to our "Security Tips" page for more information by clicking here.
For more information on how to ensure your safety when using Internet banking, you can visit the website of The Hong Kong Association of Banks at
http://www.hkab.org.hk/DisplayArticleAction.do?sid=5&lang=en&ss=0
Q3.4 Do I need to close my browser after using Corporate Cyberbanking?
To safeguard your account information, you are advised to close all your browsers immediately after logging out of Corporate Cyberbanking.
Q3.5 What system settings do the security features of Corporate Cyberbanking require?
Our system will check to determine if your browser is a proper version, and whether Java and JavaScript, SSL, and cookies are enabled.
Q3.6 How can I upgrade my browser version?
You can upgrade your browser by visiting Microsoft's download site.
Q3.7 What should I do if I want to enable SSL?
The procedure for enabling SSL Version 3.0 is as follows:
Open Internet Explorer*, then:
1. Click "Tools"
2. Select "Internet Options"
3. Select the "Advanced" tab
4. Choose "Security" and enable SSL Version 3.0
5. Click "OK"
(* Please refer to the HELP contents of your browser for other versions.)
Q3.8 Why are previous entries displayed as a dropdown list when I enter data in some fields such as account number, PIN, transaction amount, etc.?
Some of the latest versions of browsers have special features, such as "AutoComplete" in Internet Explorer, that can save previous entries you have made for web addresses, forms, passwords, etc. Therefore, when you type similar information in one of these fields, a dropdown list with possible matches will be automatically available for selection.
To prevent unauthorised use of your account, you are recommended to disable this kind of feature in your browser. You may also lock your computer/laptop by using power-on passwords, etc.
Q3.9 What are the BEA Group's websites?
Please note that the BEA Group currently maintains the following websites only:
- www.hkbea.com
- www.hkbea.com.cn
- www.hkbea.com.tw
- www.hkbea.com.sg
- www.hkbea-cyberbanking.com
- www.hkbea-cyberbanking.com.cn
- www.hkbea-cyberbanking.com/corporate
- biz.hkbea-cyberbanking.com
- www.easecurities.com.hk
- www.eafutures.com.hk
- www.bluecross.com.hk
- www.tricor.com.hk
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4. Digital Certificate
Q4.1 What is the difference between using a digital certificate and a user ID in connection with Corporate Cyberbanking?
A digital certificate helps ensure a more secure environment for users when they access their accounts compared to traditional user IDs. Therefore, the maximum daily limit for Corporate Cyberbanking is much higher when used in connection with a digital certificate than with a user ID.
Q4.2 For what kinds of service can digital certificates be used?
Digital certificates can be used to log in to Corporate Cyberbanking accounts and authorise relevant transactions.
Q4.3 Do I need to apply for an individual digital certificate for each user?
Each user should have his/her own digital certificate to log in to your Corporate Cyberbanking account and authorise transactions. You should therefore request individual digital certificates for your system administrator and signers. For normal users, this is optional.
Q4.4 Which certificate authority's digital certificates are accepted by Corporate Cyberbanking, and where can I apply for digital certificates?
Corporate Cyberbanking accepts Digi-Sign’s ID-Cert. For more details, or to apply for ID-Cert, please visit Digi-Sign’s website at www.dg-sign.com.
Q4.5 If I lose my digital certificate or relevant PIN, do I need to inform BEA?
In addition to Digi-sign, you are advised to immediately notify BEA in the event that you lose your digital certificate or PIN so appropriate action can be taken.
Q4.6 Which digital certificate storage devices does Corporate Cyberbanking support?
Corporate Cyberbanking supports the following USB tokens, smart cards, and smart card readers for digital certificate login and transaction signing:
USB token
- Rainbow Technologies iKey 2032
Smart card
- Multo 32K Smart Card
- Oberthur JAVA 32K Card
Smart card reader
- ACS ACR30
- ACS ACR30 Pro
- Oberthur OCR136
- Oberthur OCR150
For more information on the USB tokens, smart cards, and smart card readers listed above, please visit the manufacturers?websites or the Hongkong Post website at www.hongkongpost.com.
Q4.7 What are the system requirements for using USB token or smart card to access Corporate Cyberbanking?
To access Corporate Cyberbanking with USB token or smart card, the following operating system and software are the basic requirements:
- English, Traditional Chinese or Simplified Chinese version Microsoft Windows 2000/XP
- Microsoft Internet Explorer 6.0 or 7.0 with "Java", "JavaScript", and "SSL" options enabled
- Oracle Java 2 platform version 1.5 or 1.6
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5. One-time Password ("OTP")
Q5.1 What is an OTP?
An OTP is an SMS-based password generated by our Bank and sent to your registered mobile phone number as an additional form of identity authentication. An OTP enables you to perform designated transactions through Corporate Cyberbanking. Each OTP can only be used once for its designated transaction and expires within 100 seconds.
You must ensure that the following transaction details shown in the SMS are the same as your instruction before entering the OTP:
- BEA Identity Message
- Transaction amount
- Last five digits of the deposit account/bill number
- Total number of transactions (only applicable to multiple transaction signing)
Q5.2 If I am using digital certificate to access Corporate Cyberbanking, do I still need to use an OTP?
No, your digital certificate already provides you with two-factor authentication security, therefore, an OTP is not required when you perform transactions via Corporate Cyberbanking.
Q5.3 When do I need to use an OTP for Corporate Cyberbanking?
If you have not applied for a digital certificate for your Corporate Cyberbanking account, an OTP will be required when you sign the following transactions:
- Fund transfers (to BEA accounts in Hong Kong and BEA China accounts) and remittance (T/T, CHATS, and electronic clearing) to non-registered third-party accounts
- EPSCO bill payments to merchants, except the following categories:
-
Government or Statutory Organisation
-
Public Utility
-
Education: Primary or Secondary School
-
Education: Post-secondary or Specialised Institution
- Scheduled instructions of the transaction types listed above
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6. Troubleshooting
Q6.1 Whom should I call if I have any queries or difficulties using Corporate Cyberbanking?
You can contact any BEA branch or call our Internet Banking Enquiry Hotline on (852) 2211 1321 during service hours.
The service hours (Hong Kong time) of the Internet Banking Enquiry Hotline are:
Monday to Friday: 9:00 a.m. to 9:00 p.m.
Saturday: 9:00 a.m. to 5:00 p.m.
For phone numbers and addresses of our branches, please visit our website at www.hkbea.com.
Q6.2 Whom should I call if I cannot access Corporate Cyberbanking - Internet after correctly entering my account number and PIN?
You should call our hotline on (852) 2211 1321 during service hours.
Q6.3 Why are my browser's "Back" and "Forward" functions and tool bars not displayed?
For your security, these browser functions and tool bars are not supported after you enter Corporate Cyberbanking.
Q6.4 What should I do if I encounter technical problems when using Corporate Cyberbanking?
If you encounter technical problems when using our service, please go to the Corporate Cyberbanking login page and click "Browser Setting" to view your computer's configuration. You can then follow the technical support section on the same page to set your computer configuration. Alternatively, you can call our hotline on (852) 2211 1321 during service hours.
Q6.5 What hardware and software are recommended for Corporate Cyberbanking?
Please refer to System Requirements for more details by clicking here.
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7. Operations of Corporate Cyberbanking
Q7.1 What is the "Sign-and-Send" feature for?
In Corporate Cyberbanking, once "Sign-and-Send" is enabled for a user, he/she can sign and send transactions in one step. This feature is available for all Corporate Cyberbanking accounts with single signing authorisation.
Q7.2 How can we use "Sign-and-Send"?
Your system administrator needs to enable this feature for users individually. Once they have been enabled, users can use the feature immediately. Please note that users must also have the corresponding "Sign" and "Send" functions enabled in the Function Access Profile.
Q7.3 Our Corporate Cyberbanking account requires 2 signers to sign a single transaction. Is it possible to use "Sign-and-Send" in this case?
In that case, "Sign-and-Send" cannot be used. The transaction needs to be signed and sent individually. Please note that the availability of this feature also depends on the user access control, such as function access profile and authorisation matrix settings.
Q7.4 Can we switch back from "Sign-and-Send" to normal status for a user?
Yes, the system administrator can disable this feature for any user.
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