A1: DBS iBanking is a one-stop online banking service provided by DBS Bank (Hong Kong) Limited that allows you to access your bank accounts and perform various transactions at any time and from anywhere. For a comprehensive list, please see question 5 below.

A2: DBS Bank (Hong Kong) Limited is a wholly owned subsidiary of DBS Bank Ltd. and is regulated by the Hong Kong Monetary Authority (HKMA). DBS will follow and comply with the regulations and guidelines defined by HKMA.

A3: As long as you are a DBS consumer banking customer, you can register for DBS iBanking. Click here for more details.

A4: If you have access to the Internet with a recommended browser, you will be able to access DBS iBanking from almost anywhere in the world.

A5: Our key services include:

• Account Information Summary
• Fund Transfer
• Payment Services
• Credit Card Services
• Investment Services
• Time Deposit
• Guide to Application Forms
• Perform Service Request
• Customer Service

For more details, please refer to our User Guide.

A6: English and Traditional Chinese.

A7: DBS iBanking is available 24 hours a day, but some transactions may have specific service hours. Please refer to the service hour table for details.

A8: DBS iBanking is a free service. Charges will only be levied for designated services. For details, please refer to the Bank Charges Schedule.

A9: DBS has promotional offers from time to time. You may check here for the latest ones.

A1: DBS consumer banking customers can apply/register for the service in one of the following ways:

(a)

Register through DBS iBanking / DBS digibank: Get ready your: ATM card number and ATM PIN, or Credit Card number and Card Expiry Date, or Cashline Card number and Card Expiry Date Go to DBS iBanking / DBS digibank login page and click "Register" to register for the service Start using DBS iBanking / DBS digibank service as soon as your registration is completed

(b)	Apply at a DBS branch: Complete the DBS iBanking Application Form and return it to any of our branches Please click the "Register" button on the DBS iBanking login page on the next business day and then use the Initial Username or Secure Device^ to activate your iBanking service.

^ If you have a registered Secure Device, you can use it for authentication. Please follow the instructions to proceed.

Important Note:
If you are a joint name account customer, please visit any of our branches and apply for DBS iBanking service.

Visit Online Demo for more details.

A2: Online registration is the fastest and most convenient way to apply for the service. You may enjoy DBS iBanking service instantly after completing the registration.

Applying at a DBS branch takes 2-3 business days to activate the service.

A3: No. You must have a valid account with DBS Bank (Hong Kong) Limited before you can register for DBS iBanking.

You do not need DBS iBanking service if you only want to apply for DBS Treasures or other accounts, credit card, personal loan and insurance services online.

A4:

	Single-name account	Joint-name account (joint signatures not required)	Joint-name account (joint signatures required)
Manageable through DBS iBanking?	Yes	Yes	No

Joint deposit accounts and investment accounts that do not require joint signatures are automatically added to your DBS iBanking profiles.

Mortgage loan accounts (including both single and joint-borrowers accounts) are automatically added to the borrower’s DBS iBanking profiles after loan drawdown. To add other joint-name accounts to your DBS iBanking profile, please complete the DBS iBanking Application Form and return it to any of our branches.

A5: Yes, you can complete the DBS iBanking Service Request Form and return it to any of our branches to temporarily suspend your DBS iBanking account.

If you want to resume the service afterwards, simply submit the same Service Request Form.

A1: You can register by following the steps below:

1. Visit our DBS iBanking / DBS digibank login page and click on "Register"
2. Enter your personal information for identity verification. Read and accept the Terms and Conditions
3. Enter the required credentials for authentication
4. Set your username and password, confirm your registered mobile phone number and enter your email address
5. An SMS One Time Password (OTP) will be sent to your registered mobile phone number. Verify the details shown on the page and enter the OTP to complete the registration

Visit Online Demo for more details.

A2: You will not be able to register. A message will pop up asking you to click "OK" to terminate your registration or "Cancel" to accept and continue with your registration.

A3: You only need one card, which can be any one of those. However, if you have a single-name DBS bank account, you are required to provide your ATM card number.

Important Note:
If you have a bank account but not an ATM card, or your ATM card is not a single-name ATM card, please register by visiting any of our branches and completing the DBS iBanking Application Form.

A4: If you possess a DBS ATM card, credit card or a DBS Cashline card, you can simply enter a valid passport number for identity verification in the online registration process.

A5: Yes. You can always adjust these limits through "Manage Transaction Limit" under "Preferences" after logging on to iBanking.

A6: Yes. You are required to register your mobile phone number for receiving One Time Password (OTP). Depending on your security setting, you may be asked to enter an OTP when you log in to DBS iBanking / DBS digibank or perform designated transactions.

A7: If you leave your PC idle for a period of time, a message will pop up prompting you to continue with your registration. If no response is received within a set period of time, the system will automatically terminate the registration to prevent unauthorised access. You will need to restart the registration to complete the application.

A8: There is a reference number associated with every successful online registration.

A1: You can register by following the steps below:

1. Visit our DBS iBanking / DBS digibank login page and click on "Register"
2. Enter your personal information for identity verification. Read and accept the Terms and Conditions
3. Enter the Initial Username or use the Secure Device for authentication*
4. Set your username and password, confirm your registered mobile phone number and enter your email address
5. An SMS One Time Password (OTP) will be sent to your registered mobile phone number. Verify the details shown on the page and enter the SMS OTP provided to complete the activation

* If you have a registered Secure Device, you can use it for authentication. Please follow the instructions to proceed.

A2: Simply visit the DBS website at http://www.dbs.com.hk, click “Login” in the top right-hand corner of the webpage. Login with your unique username and password.

Important Note:

• The username and password combination is unique to each user.
• Your username must be alphanumeric (8 to 12 characters).
• Your password must consist of 8 to 30 characters with a combination of uppercase letters, lowercase letters and numbers.

A3: Yes. When you activate the DBS iBanking services, you will be asked to change your username and password in order to proceed with the service.

You are strongly recommended to change your password regularly for better protection of your account. You can change your password online via the "Preferences" section.

A4: You can retrieve your username via DBS iBanking. Please click Forgot " Username" on the login page to retrieve username.

Get ready your:

• ATM Card number and ATM PIN, or
• Credit Card number and Card Expiry Date, or
• Cashline Card number and Card Expiry Date, or
• Secure Device

You may also contact our 24-hour Customer Service Hotline at (852) 2290 8888 or complete and return the DBS iBanking Service Request Form to any of our branches to retrieve your username.

A5: You can reset your password via DBS iBanking. Please click Forgot " Password" on the login page to reset it.

Get ready your:

• ATM Card number and ATM PIN, or
• Credit Card number and Card Expiry Date, or
• Cashline Card number and Card Expiry Date, or
• Secure Device

You may also complete and return the DBS iBanking Service Request Form to any of our branches to reset your password.

A1: An OTP is a security feature in DBS iBanking, a password sent by us to your registered mobile phone number via Short Message Service (SMS). An OTP is required when you perform designated transactions through DBS iBanking.

Important Note:
The SMS will not be forwarded to any other mobile phone numbers, even if you have signed up for SMS forwarding with a Hong Kong telecommunication service provider.

A2: OTP further improves the security of DBS by providing additional password authentication. On top of your username and password, you will need to key in this additional password (OTP) when performing designated online transactions through online banking.

The introduction of the OTP means a dual password authentication is required. This is a stronger means of customer authentication as it relies on:

1. information you know (that is your username and password) and
2. information the bank provides to you (that is the SMS-based OTP)

A3: With the implementation of the Secure Device, depending on the services you need, you are required to use SMS OTPs and/or the Secure Device to authenticate your transactions.

Please click here for more information.

A4: You may follow these steps:

(a)

Register online: We will ask you to register your mobile phone number for receiving OTPs when you register for DBS iBanking services An SMS OTP will be sent to your registered mobile phone number. You will be required to enter the SMS OTP for verification. Alternatively, if you are a DBS account customer and update your mobile phone number, we will send you a Security Code by registered mail to verify the mobile phone number Once you have received the Security Code, simply log in to DBS iBanking and enter the code to complete the mobile phone number registration

(b)	Register at a DBS branch: complete the DBS iBanking Application Form and return it to any of our branches to register your number.

A5: Please visit any of our branches in Hong Kong and submit the completed DBS iBanking Application Form to register your number.

A6: It verifies the mobile phone number you choose to receive OTPs. Once you receive the Security Code, simply log on to DBS iBanking and enter the code to complete the verification.

A7: The Security Code will be sent to you by SMS. If the mobile phone number you provided is not in the Bank's records, you will receive your Security Code through registered mail instead.

A8: You may update the mobile phone number through DBS iBanking, select “Update Personal Details“ under “Preferences”. Alternatively, you can complete the DBS iBanking Application Form and return it to any of our branches.

A9: All SMS-enabled mobile phones or devices can receive OTPs.

A10: If you are overseas or using overseas mobile service providers, the service provider may not support receipt of international SMS. Please consult your service provider and/or hardware supplier for details.

A11: The OTP service is free if you receive an OTP via SMS in Hong Kong. If you are overseas or using overseas telecommunication service providers, your service provider may levy charges. Please consult your service provider for details.

A12: The OTP expires 100 seconds after it is issued. If you are not able to enter the OTP and log on to DBS iBanking before it expires, you can click on "Request a new OTP" on the OTP input page.

If you are not able to confirm the transaction before the OTP expires, you can request a new OTP at the OTP authorisation page, and then enter the new OTP to confirm that transaction again.

A13: You should contact our Customer Service Hotline at 2290 8888 (press 6 and then 1 after language selection) immediately to deactivate your OTP service.

A1: The following functions are available:

• Place Order
• View Current Holdings
• Order Status
• Transaction History
• Market Information

A2: You can place "Enhanced Limit Order", "Market Order", "At-auction Limit Order", or "Stop Loss Order" (applicable for Securities Account only) via DBS digibank HK app or DBS iBanking.

A3: After you have entered and confirmed your instruction, a reference number will be provided. This only acknowledges the Bank's receipt of your instruction. There is no guarantee that your instruction will be processed or executed in the market. Your instruction may be rejected or may not be executed due to fluctuations in stock price, insufficient market liquidity, system delayed/failure or any other event beyond the control of the Bank. You can check the status of your instruction under "Order Status" via DBS digibank HK app or DBS iBanking.

As the initial order remains queuing in the market pending processing, notwithstanding subsequent placement of an amendment order or cancellation order, such amendment order or cancellation order may not be transacted or processed. You are advised to check your order status under "Order Status" via DBS digibank HK app or DBS iBanking.

A4: For customers of DBS Private Bank and DBS Treasures Private Clients, please refer to our Fee Schedule here.

For DBS Securities Account and DBS Treasures Wealth Management Account customers, please refer to our Fee Schedule and Bank Charges Schedule here.

A5: DBS Online Equity Trading Platform is a new DBS online platform on DBS digibank HK app and DBS iBanking. It is offered to DBS Private Bank, DBS Treasures Private Clients and DBS Treasures Wealth Management Account customers.

For other customers, you can trade securities in Hong Kong market with a Securities Account through channels such as DBS digibank HK app / DBS iBanking .

A6: With DBS Online Equity Trading Platform, you are able to trade in seven major markets of Hong Kong, Singapore, United States of America, Canada, Japan, Australia and the United Kingdom. You can access the trading platform via DBS digibank HK app / DBS iBanking anytime anywhere to view your portfolio and place trades in any of the seven major markets. You can choose the eligible portfolios displayed to be the designated account for your online purchase and sale of equities through the Bank. Equities traded through DBS Online Equity Trading Platform will be treated as part of your assets under management with the Bank.
For more information, please click here.

A7: For customers who trade with DBS Online Equity Trading Platform, please contact your Relationship Manager or our DBS Treasures Customer Service Hotline at (852) 2290 8033. For Securities Account, please contact our Customer Service Hotline at (852) 2290 8888 (press 3 then 8 after language selection).

A8: Please click here and select Securities Trading.

A9: For more information about trading on DBS Online Equity Trading Platform, please click here.

A10: For any enquiries related to Stock Watch, please click here.

A1: In a Financial Needs Analysis (FNA), the information that you provide determines the investment products and/or insurance products that we shortlist for your consideration.

A2: Yes. An FNA submitted through DBS iBanking will become effective two hours after submission.

A3: Under certain circumstances (e.g. inadequate education or inability to read and understand English and Chinese), we require applicants to be accompanied by a family member, close relative or friend when conducting an FNA and placing an investment or insurance order. This service is also not applicable to those who hold only credit cards.

For more information about this, please visit one of our branches or call our Customer Service Hotline at 2290 8304 (from 9:00 a.m. - 6:00 p.m. on weekdays, 9:00 a.m. - 1:00 p.m. on Saturdays).

A4: Yes. You can download the receipt once your submission is completed.

A1: For any enquiries related to eIPO, please click here.

A1: They are an electronic version of your statement or advice, which are accessible for viewing, printing and saving through DBS iBanking.

A2: The following types of eStatement / eAdvice are available:

• Wealth Management Account Consolidated Statement (applicable to DBS Private Bank, DBS Treasures Private Client and DBS Treasures)
• Statement will be given by each Wealth Management Account.
• Consolidated Statement (applicable to DBS Treasures and DBS Account)
• Statement will be given by each customer.  It covers all your sole/ joint name deposit / securities / investment / wealth management accounts (linked accounts).
• Cashline Revolving Loan Account
• Credit Card Account, except Business Card and Manulife Card (with MediPlus)
• Wealth Management Account Advice
• Securities Trading Services Contract Note

A3: The service is currently free of charge.

A4: Customers who have registered for DBS iBanking with an email address, and a mobile number to receive One Time Passwords can access the eStatement / eAdvice Service. Once your DBS iBanking account is activated successfully, all eligible eStatements/eAdvice will be subscribed automatically or you may apply/change the setting via DBS iBanking with the following steps (except DBS Private Bank, DBS Treasures Private Clients and DBS Treasures clients with a joint name Wealth Management Account that can be operated by each joint accountholder separately):

1. Log in to DBS iBanking
2. From the menu, choose "My Accounts”> “eStatement" and click "Manage eStatement / eAdvice"
3. Complete the request as instructed to subscribe for the eStatement / eAdvice Service or change the subscription setting.

Besides changing the settings via DBS iBanking, DBS Private Bank, DBS Treasures Private Clients and DBS Treasures clients with Wealth Management Account may also download, complete and submit the DBS iBanking eStatement/eAdvice Service Maintenance Form.

An email and/or SMS (if applicable) notification(s) will be sent to you when your latest eStatement/eAdvice is available.

For DBS Private Bank, DBS Treasures Private Clients and DBS Treasures clients with a joint name Wealth Management Account (joint account that can be operated by each joint accountholder separately):

1. Add your joint accounts to your iBanking profile by downloading, completing and submitting the DBS iBanking Application Form to us.
2. The eStatement Service will be made available to you once the joint account(s) has/have been linked to the iBanking profile. All joint account holders can view eStatement via their iBanking account and you will continue to receive paper statements.
3. Email and/or SMS notifications (if applicable) will be sent to all joint accountholders when the latest eStatement is available.
4. If you do not wish to receive paper statements and advice, simply download DBS iBanking eStatement/eAdvice Service Maintenance Form, complete and submit it for our processing.

A5: After you subscribe eStatement/eAdvice successfully via iBanking, your eStatement will take effect from the next statement cycle and your eAdvice will take effect on the next Bank business day.  If your subscription request for statement/advice is made after 11:30pm (to be confirmed) of your statement cut-off date/Bank business day respectively, the request may take effect from second statement/advice following your subscription.

For DBS Private Bank, DBS Treasures Private Clients and DBS Treasures clients with Wealth Management Account:

• You will continue to receive paper statements and advice. If you do not wish to receive paper statements and advice, simply download (DBS iBanking eStatement/eAdvice Service Maintenance Form (For Wealth Management Account)), complete and submit for our processing.

For DBS Treasures and DBS Account customers:

• Statements and advice will be sent electronically.
  

For Cashline Revolving Loan Accounts and Credit Card Accounts customers:

• The first statement following your subscription will be sent to you both electronically and by mail. Later statements will be sent electronically only.

A6: You can view up to 84 eStatements issued within the past 7 years, and your eAdvice notes issued in the past 31 days.

A7: Adobe Acrobat Reader is required for viewing, printing and saving the eStatements / eAdvice.

A1: Alert Service provides you with instant notifications of your banking and/or investment activities status. You can choose to be notified by e-mail or Short Messaging Service (SMS) when certain transactions have taken place.

A2: Two types of alerts are available, including:

1.	My Alerts DBS iBanking Alerts Update of Personal Details^ Increase of DBS iBanking Daily Limits^ Funds Transfer to Third Part Accounts^ Bill Payment or e-Bill/e-Donation to Designated Payees^ Funds Transfer to My Account* Bill Payment or e-Bill/ e-Donation* e-Bill/ e-Donation Receipt
2.	Securities Order Confirmation Remarks: ^ This alert is a mandatory alert. No subscription is required and the service cannot be cancelled. * This alert will be sent as an SMS message to your mobile phone when specified criteria are met.

A3: No, the service is free of charge.

A4: Please check with your mobile phone service provider about the charges for receiving SMS Alerts.

A5: You may not be able to receive Alerts with one of the following reasons:

1. You have given an invalid e-mail address.
2. Your e-mail box is full.
3. You have given an invalid mobile phone number.

Should you have any enquiries, please call our Customer Service Hotline at 2290 8888 (press 6 and then 1 after language selection).

A6: For SMS Alerts: you can choose to receive in either English or Chinese.
For e-mail Alerts: you will receive English/Chinese bilingual alerts.

A7: You can subscribe to My Alerts (except the mandatory ones) via DBS iBanking.
To do so:

1. Choose "Preferences" > "Manage My Alerts" from the menu.
2. Click on "Subscribe to New Alerts".
3. Select the alert you would like to subscribe.
4. Complete the subscription as instructed. Your subscription will take effect immediately.

A8: You can change the settings of My Alerts (except the mandatory ones) via DBS iBanking.
To do so:

1. Choose "Preferences" > "Manage My Alerts" from the menu.
2. Click on "Amend" corresponding to the alert you would like to change.
3. Input your settings as instructed. Your changes will take effect immediately.

A9: You can stop My Alerts (except the mandatory ones) via DBS iBanking.
To do so:

1. Choose "Preferences" > "Manage My Alerts" from the menu.
2. Click on "Unsubscribe" corresponding to the alert you would like to stop.
3. Complete the cancellation as instructed. Your cancellation will take effect immediately.

A10: SMS Alerts will only be sent to the mobile phone number you have registered for receiving One Time Passwords (OTPs). To change that number, please login DBS iBanking, choose “Preferences”>”Update Personal Details. Your request will take effect within 3 business days upon our receipt of the completed form.  You may also complete the DBS iBanking Application Form and return it to any of our branches in person. Your request will normally be processed within four business days from our receipt of your duly completed form.

A11: You can set up your Securities Order Confirmation service via DBS iBanking.
To do so:

1. Choose "Preferences" > "Subscribe for / Change Securities Order Confirmation" from the menu.
2. Complete the setup as instructed. Your setup will take effect immediately.

Alternatively, you can complete the Alert Service Request Form and return it to any of our branches in person to setup the service. Your request will normally be processed within four business days from our receipt of your duly completed form.

A12: You will receive a Securities Order Confirmation when:

1. Your securities trading order has been sent to the market and being executed, amended, cancelled or rejected.
2. Your order amendment or cancellation is rejected after it has been sent to the market.

A13: You can change the settings of the Securities Order Confirmation service via DBS iBanking.
To do so:

1. Choose "Preferences" > "Subscribe for / Change Securities Order Confirmation" from the menu.
2. Click on "Amend Securities Order Confirmation".
3. input your new settings as instructed. Your changes will take effect immediately.

Alternatively, you can complete the Alert Service Request Form and return it to any of our branches in person to change the settings. Your request will normally be processed within four business days from our receipt of your duly completed form.

A14: You can stop your Securities Order Confirmation service via DBS iBanking.
To do so:

1. Choose "Preferences" > "Subscribe for / Change Securities Order Confirmation" from the menu.
2. Click on "Unsubscribe from Securities Order Confirmation".
3. Complete the cancellation as instructed. Your cancellation will take effect immediately.

Alternatively, you can complete the Alert Service Request Form and return it to any of our branches in person to stop the service. Your request will normally be processed within four business days from our receipt of your duly completed form.

A15: Yes.

A16: Yes, but it is not recommended. While your mobile phone number for iBanking One-Time Password must be same as the mobile number for Securities Order Confirmation.

A1: Hardware and software requirements are as shown:

Hardware Requirement	Minimum Requirement
Processor	- Pentium 233MHz
Main Memory	- 128MB RAM
Modem	- 56Kbps

Software Requirement	Minimum Requirement
Operating System	- Microsoft Windows (English or Chinese Version)
Browser	Best viewed with the below browsers: - Chrome 85.x and above - Microsoft edge - Safari 11.x and above - Firefox 85.x and above
Operating System	- Apple Mac OS (English or Chinese Version)
Adobe Reader	Version: 6.X

A2: Firstly, check whether your PC meets the minimum technical requirements. There are numerous factors affecting the speed of Internet access such as the quality of your modem, server capacity, traffic at the time you log on to DBS iBanking, and the quality of your network line. If you encounter slowness only while in DBS iBanking, please contact our customer service team.

A3: To ensure that your account has been completely logged off, we strongly recommend that you click the "Logoff" button at the top right-hand corner to exit iBanking. If you exit the service simply by closing the browser window, you are still technically logged into iBanking and risk being hacked.

A4: It is recommended that you clear your browser memory cache, so that your previous records cannot be shown to the next user.
In Internet Explorer 8.0:

1. Select "Safety" from the Menu bar
2. Pick "Delete Browsing History…"
3. Check "Temporary Internet Files" option
4. Click "Delete" to complete the process

For other browsers, please refer to the browser's Help menu for more information.

A5: You can prevent any passwords from being stored by de-activating the "AutoComplete" function in Microsoft Internet Explorer.

1. Select "Tools" from the Menu bar
2. Pick "Internet Options" and choose "Content"
3. Under "Personal Information", click on "AutoComplete"
4. Uncheck "User names and passwords on forms"
5. Click on "Clear Passwords"
6. Click on "OK" to save the changes

For other browsers, please refer to the browser's Help menu for more information.

A6: You should check your modem settings or your connection with your Internet Service Provider (ISP) to determine if the problems are ISP-related. Otherwise, please call our 24-hour Customer Service Hotline at 2290 8888 (press 6 and then 1, after selecting language) or contact us.

A1: We offer several types of internet security measures to safeguard your personal and account information. Click here for more details.

A2: You must keep your passwords highly confidential. Please click here for more information.
You should not leave any computers or terminals unattended after logging on to DBS iBanking.

A3: You should install personal firewall software and anti-virus software, as well as updating the virus detection software regularly.

A4: Fraudulent e-mails mislead the recipient into thinking that they are responding to a genuine request, and direct them to a website that looks just like the Bank's. Sensitive account information such as credit card information, usernames and passwords entered on these sites are therefore captured and revealed to the fraudsters.

To verify a website, look for a padlock or key icon in your browser's status bar (bottom) or address bar (top) and double-click it to see if the website's digital certificate is issued to the genuine domain name and has a valid date.

Remember that DBS Bank (Hong Kong) Limited will never ask customers to provide their passwords or verify accounts via email.

Additional Measures:

• NEVER reveal your password to anyone.
• If you are suspicious about an e-mail, do not reply to it or click on the links in the e-mail. Verify that email was sent by DBS.
• Disregard and delete spam, chain or junk e-mails.
• Always enter the full URL address www.dbs.com.hk into your browser address bar or use favourites/bookmarks to access DBS iBanking.

Act quickly and contact our 24-hour Customer Service Hotline at 2290 8888 (press 6 and then 1, after selecting language) if you suspect your account, username or password has been compromised.
Please click here for details of your responsibility on security.

A5: We suggest you check your bank balance and statements regularly. If you find any unauthorized transactions, please contact our 24-hour Customer Service Hotline at 2290 8888 (press 6 and then 1, after selecting language) within 90 days.

A1:

Accepted Transactions
A message reading: "Your transaction has been completed" will be displayed on the screen, and a transaction reference number will be generated for your future reference. You can view the iBanking receipt by clicking the "Save Receipt" button.

Denied Transactions
An error message will be displayed on the screen. It will show the reason that the transaction was denied, and will prompt you to enter the correct information again.

If you have any concerns or queries, please contact our 24-hour Customer Service Hotline at 2290 8888 (press 6 and then 1, after selecting language) or submit a Customer Feedback Form.

A2: All successful transactions will be given a transaction reference number for your records. If a transaction reference number is not given, please log on again to DBS iBanking and check the transaction history and balances in the "Enquire Transaction History " and the "Account Summary" functions.

A3: You can call our 24-hour Customer Service Hotline at 2290 8888 (press 6 and then 1, after selecting language).

A4: For security reasons, these functions and the browser's tool bars are not available after you have logged on to DBS iBanking.

A5: The pop-up message serves a security purpose. If you leave your PC idle for a period, this message will pop up asking if you would like to continue with your iBanking services. If no response is received within the allocated response time, the system will automatically terminate the service to help prevent any unauthorized access.

A1: If you have any enquiries or comments, please feel free to contact the following customer service hotlines:

Services	Hotline	Service Hours
DBS iBanking	(852) 2290 8888	24 Hours
Credit Card Services	(852) 2290 8888	24 Hours
Securities Trading	Treasures Priority Banking Account (852) 2961 2338	Mon - Fri : 9:00 a.m. - 6:00 p.m. Sat : 9:00 a.m.- 1:00 p.m.
	DBS Wealth Account (852) 2290 8888	Mon - Fri : 9:00 a.m.- 6:00 p.m. Sat : 9:00 a.m. - 1:00 p.m.

A1: The Secure Device, on top of the current SMS One Time Password ("SMS OTP"), is implemented as an additional gateway to enhance internet and mobile banking security.

It is designed for tightening the authentication process. For certain internet and mobile banking transactions that require a higher level of authentication, security clearance is further enhanced with the simultaneous use of SMS OTP and Secure Device.

Please click here to find out the mode of authentication required for various types of banking services

A2: If you are an existing DBS iBanking customer, you may request for a Secure Device at any of our branches in Hong Kong or through DBS iBanking (just click on "Request", then "New secure device").

For each new DBS iBanking customers, the Secure Device will be sent to you by post.

A3: Each DBS iBanking account can only register for one Secure Device. You cannot apply for more than one Secure Device as back up or share with other customers.

A4: It is free of charge for first time applications for the Secure Device and for replacements due to out of battery. In case of loss, theft or malfunctioning of the Secure Device, a fee of HK$100 will be charged for a replacement of the Secure Device.

A5: Press and hold "" or "" or "" to turn on the Secure Device. Press "" to turn off the Secure Device.

A6: You need to login to DBS iBanking and activate the Secure Device immediately.

A7: If you do not activate the Secure Device, you will not be allowed to perform certain transactions on DBS iBanking.

A8: With the implementation of the Secure Device, depends on the services you selected, you are required to use your Secure Device and / or SMS OTP to authenticate your transactions.

Please click here for more information.

A9: When the sign "BATT" is displayed on the LCD, it means the Secure Device will run out of battery soon. The battery of the Secure Device cannot be replaced by yourself, and you will need to submit a Secure Device replacement request via DBS iBanking as soon as you are notified of the possible drainage of battery.

A10: As a form of protection, the Secure Device will automatically power off if not in use after a short period of time.

A11: If the Secure Device is out of battery, you can still log in to DBS iBanking and use SMS OTP but you will not be allowed to perform certain transactions.

A12: Please call our Customer Service Hotline at 2290 8888 (press 6 and then 1 after language selection) to report and de-activate your lost or stolen Secure Device as well as request for a new Secure Device as replacement.

A13: You may request for a new Secure Device as replacement through DBS iBanking.

A14: Once your new Secure Device has been activated, your old Secure Device will no longer be valid for login or authorizing any transactions on DBS iBanking. You may either discard the deactivated Secure Device yourself or pass it to our branch staff for proper disposal.

A15: If you have entered a wrong number into your Secure Device, press "" button to delete your last entry. Press and hold "" button to clear all your inputs.

A16: There is no particular usage associated with this button at this moment.

A17: The Serial Number is printed at the back of your Secure Device.

A: You can activate the function by setting the service start date / end date and the daily withdrawal limit under "Preferences" > "Manage Overseas ATM Transaction Settings".

A1:

• Southbound Wealth Management Connect allows qualified GBA mainland investors to invest in selected eligible wealth management products sold by banks or licensed corporations in Hong Kong and Macao through designated channels.
• Customers first need to set up a remittance account with cross-border remittance function with the partner bank or broker in the Mainland ("Mainland Remittance Account"), and the Customers also need to open a GBA Wealth Management Connect Southbound Account ("Southbound Account") with investment function in the banks or licensed corporations in Hong Kong and Macao and bind it to the corresponding Mainland Remittance Account to form a "one-to-one" pairing.
• Customers can remit to the Southbound Account in Hong Kong and Macao through the Mainland Remittance Account and purchase qualified wealth management products sold by the banks or licensed corporations in Hong Kong and Macao through the Southbound Account.

A2:

Mainland investors should meet all the requirements set by both the Mainland and Hong Kong regulatory authorities, including

• Investment in single name account;
• Have full capacity for civil conduct;
• Being residents registered in the 9 GBA cities, or with record of social security contribution or individual income tax payment in the 9 GBA cities for 2 consecutive years;
• With 2 or more years of investment experience and net month-end household financial assets of RMB 1 million or more over the past 3 months, or month-end household financial assets of RMB 2 million or more over the past 3 months, or individual annual average income of RMB 400,000 or more over the past 3 years;
• As assessed by the Bank of Hong Kong as not belonging to a vulnerable customer.

All the account opening is subject to the Bank’s approval. Further information is available on the website of the Hong Kong Monetary Authority.

A3:

Mainland investors should complete the account opening procedure by attestation through a partner bank or broker in Mainland, or open the account through a bank or licensed corporation in Hong Kong and Macao in person.

A4:

Yes, they can. But mainland investors must provide the Mainland Remittance Account number for the Bank in Hong Kong to complete the pairing before activating the Southbound Account.

A5:

• The cross-boundary capital flows in Wealth Management Connect will be subject to the total and individual investor quota management, and will be conducted and managed in a closed-loop system by bundling the Mainland Remittance Account and Southbound Account to ensure that the relevant funds will only be used to invest in eligible investment products. Thus, customers can only use the Mainland Remittance Account bound in the Mainland to make cross-border remittances, collection and receive investment returns under Southbound Connect.
• The funds in the Southbound Account can only be used to purchase eligible wealth management products and for outward remittance to the Mainland Remittance Account.
• Customers are not allowed to transfer funds from the Southbound Account to any accounts (including non-Hong Kong accounts) other than the Mainland Remittance Account.
• Customers are not allowed to withdraw cash from the Southbound Account or use the asset(s) in the Southbound Account for pledge, leverage, guarantee and other purposes.
• Southbound Account can only receive funds from the Mainland Remittance Account in RMB, and remit funds back to the Mainland Remittance Account in RMB. Regardless of the settlement currency of the eligible wealth management products invested by the customer, when the investment is withdrawn and the funds are remitted back to the Mainland Remittance Account, the funds must be converted back to RMB.
• All cross-border remittances between the Mainland Remittance Account and the Southbound Account must be in RMB, which means the Mainland Remittance Account of our Mainland partner bank can only send or accept RMB funds.
• The Bank in Hong Kong will provide customers with foreign exchange services to purchase eligible wealth management products denominated in Hong Kong dollars and foreign currencies. Customer can also directly invest in eligible wealth management products denominated in RMB in the Southbound Account.

A6:

Each eligible Southbound investor can only open one Mainland Remittance Account with a bank or broker respectively and one Southbound Account with a bank or licensed corporation in Hong Kong and Macao respectively at any time.

A7:

• The individual investor quota is calculated on a net basis. The accumulated net remittance amount of the customer to the Southbound Account through the Mainland Remittance Account shall not exceed the individual investor quota at any time.
• The Individual investor quota for each eligible investor is RMB 3 million. If an investor simultaneously selects both a bank and a licensed corporation for investment under Southbound Wealth Management Connect, the individual investor quota allocated between the bank and the licensed corporation will each be RMB 1.5 million.
• The usage of the individual investor quota under Southbound Wealth Management Connect is calculated as follows: Usage of individual investor quota under Southbound Wealth Management Connect = cumulative remittances from the Mainland to Hong Kong and Macao under Southbound Wealth Management Connect – cumulative remittances from Hong Kong and Macao back to the Mainland under Southbound Wealth Management Connect
• Example 1:
  An investor simultaneously selects both a bank and a licensed corporation for investment under Southbound Wealth Management Connect. The individual investor quota allocated in the bank is RMB 1.5 million. If a customer first remits RMB 1,000,000 from the Mainland to Hong Kong Bank, then remits RMB 500,000 from Hong Kong Bank to the Mainland, Individual investor quota usage is RMB 500,000 and the Available Quota is RMB 1,000,000.
• Example 2:
  An investor only selects a bank for investment under Southbound Wealth Management Connect. The individual investor quota allocated in the bank is RMB 3 million. If a customer first remits RMB 1,000,000 from the Mainland to Hong Kong Bank, then remits RMB 1,200,000 investment return from Hong Kong Bank to the Mainland, the individual investor quota usage is RMB -200,000 and the available quota is RMB 3,200,000.
• Subject to the aggregate quota in Q8, if the net transfer of funds into the Southbound Account exceeds the individual investor quota limit, the Bank in Hong Kong will refuse to receive the funds and notify the mainland partner bank to return the bulk remittance to the Mainland Remittance Account.
• In addition, the use of individual investor quota is also affected by the aggregate quota, please refer to Aggregate quota.

The individual investor quota is subject to changes by regulatory authorities from time to time.

A8:

Aggregate quota is the total amount of funds that is allowed to be remitted from the Mainland to Hong Kong and Macao under Southbound Connect. The aggregate quota is calculated on a net basis. The cumulative net remittance from the Mainland under Southbound Connect should not, at any time, exceed the aggregate quota.

• The aggregate quota for the Southbound Scheme is initially set at RMB 150 billion.
• Customers should pay attention to the possible impact of the limit on the total amount and related risks. For example, the Bank in Hong Kong may suspend processing of a customer's Southbound - related remittance instructions from the Mainland to Hong Kong due to the total amount being used up. Remittances returned to the Mainland and investment instructions that have been submitted to the Southbound Account will not be affected.
• The aggregate quota is subject to changes by the regulatory authorities from time to time.

A9:

Wealth management products under Southbound Wealth Management Connect include

• Investment products (excluding investment products listed and traded on the Hong Kong Exchanges and Clearing Limited)
  (1) All funds domiciled in Hong Kong and authorized by the SFC, primarily investing in Greater China equity and assessed as “non-complex” by Hong Kong banks distributing such products;
  (2) Except for the funds specified in item (1), funds that are domiciled in Hong Kong and authorized by the SFC and are assessed as “low” risk to “medium-high” risk and “non-complex” by Hong Kong banks distributing such products, excluding high-yield bond funds and single emerging market equity funds;
  (3) Bonds assessed as “low” risk to “medium” risk and “non-complex” by Hong Kong banks distributing such products.
• Deposits
  RMB, HKD and foreign currency deposits namely US dollar, Euro, UK Pound Sterling, Australian dollar, New Zealand dollar, Canadian dollar, Swiss Franc, Japanese Yen and Singapore dollar