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Open Account
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Transfer / FPS Service
Transfer in and out
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Investment Funds
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General enquiries

What is inMotion?

inMotion is a personal wealth management and investment mobile app that lets you open a new account, set up time deposit, manage currency trading, securities trading and investment funds anytime and anywhere without going to the bank in person.

How to transfer funds to inMotion?

Simply go to “Save” > “Add Money” to link your other bank account and add money to CNCBI account. Or else, you may log-in to your local or overseas bank’s i-banking service or visit a branch to transfer money.

For a customer who opened a savings account using People’s Republic of China Resident Identity Card via inMotion, you can only transfer funds from a sole account under your same name.

Find branch location >

How can I use ATM and branch services?

If you are a customer who opened an account via inMotion, please visit one of our branches and bring along your identity card and latest residential address proof to complete the full KYC procedure first.

How do I make payments, cash deposits, and use ATM and branch services?

If you are a new customer opening an account on inMotion, please visit one of our branches and bring along your identity card and residential address proof.

 

Existing CNCBI customers can enjoy such services on i-banking or at our branches.

Is the deposit safe?

Of course! inMotion is operated by China CITIC Bank International which is a licensed bank in Hong Kong China CITIC Bank International Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.

How secure is my personal data?

You can be assured that it is safe. We are committed to protecting and respecting your privacy under the Hong Kong’s Personal Data (Privacy) Ordinance. If you want to find out more, please refer to:

Tap the below link(s) to find out more:

What if I wish to close my account?

If you have decided to close your account, please ensure:

  1. All transactions in your One Account “Investment” have been settled and there are no investment holdings.
  2. You have withdrawn the deposit from your account.

Then, please visit one of our branches to close your account and bring along your identity card.

What if I forget my login password?

If you have already activated the CNCBI Token, you may reset the password via inMotion with the CNCBI Token and an SMS one-time password which will be sent to your mobile number registered at the bank. If you have not yet activated the CNCBI Token, please call our hotline or visit any of our branches for assistance.

What if I forget my Login ID?

You can call our hotline (+852 2287-6767) or visit any of our branches for assistance.

What would happen if the password I keep entering is incorrect?

Your i-banking service will be blocked after 4 consecutive incorrect entries. Please visit any of our branches to reset your password.

Where can I view my latest Risk Profile Result or assess my Investor Risk Analysis?

You can go to “Other Services” and select “Investor Risk Analysis” to view your latest risk profile. If you wish to update your risk profile, please complete the questionnaire again.

How does CNCBI determine the risk level of investment product?

The Product Risk Level will be determined by implementing internal qualitative and quantitative measures and rule based mechanism, taking into account relevant key factors including but not limited to product asset type, regulatory restriction, product complexity, product feature, currency risk, credit risk, price volatility risk, market risk, etc. to assess the risk level of investment products. Product Risk Level is for reference only. Review mechanism may change in response to market conditions and product structural changes. The Bank will review the Product Risk Level regularly and may revise the risk level assigned to a product in case of event triggering without any prior notice.

Product Risk Level is classified into 5 different risk levels, 1 being Low Risk; 2 being Low-to-Medium Risk; 3 being Medium Risk; 4 being Medium-to-High Risk and 5 being High Risk.
Risk level 1 (Low risk): The price volatility of the product is low. The likelihood that the investment value may fall below the original investment amount is remote.
Risk level 2 (Low-to-medium risk): The price volatility of the product is low-to-medium. The likelihood that the investment value may fall below the original investment amount is low.
Risk level 3 (Medium risk): The price volatility of the product is medium. The likelihood that the investment value may fall in a great extent below the original investment amount is medium.
Risk level 4 (Medium-to-high risk): The price volatility of the product is medium-to-high. The likelihood that the investment value may fall substantially below the original investment amount is high.
Risk level 5 (High risk): The price volatility of the product is high. It is very likely that the investment value may fall substantially below the original investment amount.

How can I change my language preference for the notifications?

Go to “Settings” > “Notification preferences” to update your desired language preference.

How can I view and update my daily transaction limits?

Go to “Settings” > “Limit Settings” to view and update your daily transaction limits.

If you need to update the limit for “Transfer to your own account(s) at China CITIC Bank International”, please access "My Online Set-up" > "Set Transaction Limit" via i-banking.

Any security tips for using inMotion service?

To safeguard your account, please pay attention to the following security tips:

  • Account of successful inward remittance to inMotion account will be registered as your transfer out “To account” for remittance by default.
  • Please log in to inMotion and check the transfer out “To account” record(s) through the Transfer out function.
  • If you have found any suspicious transfer in / transfer out account or transaction records, please contact our customer hotline at (852) 2287 6889, or email us at ibanking@cncbinternational.com immediately.

For other online security details, please visit inMotion service “Online Security and Privacy” section under “Notice to customers”.

What should I do if I suspect a fraudulent transaction?

You should email us immediately at ibanking@cncbinternational.com  or call (852) 2287 6889 (select language). We will follow up and take the appropriate actions.

How do I change or register my mobile number?

If you are an existing customer, please log in inMotion and go to “Security” > “Change Personal Information” by using 2 factor authentication to change your mobile number or visit any of our branches.
If you are a new customer opening an account on inMotion, you have to register your mobile number during the account opening application process via inMotion. For any changes afterwards, please log in inMotion and go to “Security” > “Change Personal Information” or visit any of our branches for assistance.

I am an existing i-banking customer, do I need to register in order to login to inMotion?

No. You can login to inMotion with your i-banking user ID and password directly.

How can I change my address registered with the bank?

Please log in inMotion and go to “Security” > “Change Correspondence Address” and you may change your correspondence address only or together with residential address in one go (applicable to existing and new addresses that are both Hong Kong addresses) by using 2 factor authentication. Or you can visit any of our branches for assistance.

What shall I do before withdrawing cash at overseas ATMs?

If you want to withdraw cash at overseas ATMs, you have to activate the Overseas ATM Cash Withdrawal function of ATM Card/Credit Card and set the activation period and daily overseas withdrawal limit in advance.

Step 1: Log in to inMotion. Go to "Others" in side menu > "Overseas ATM Withdrawal Limit"
Step 2: Select the ATM Card/Credit Card you want to activate
Step 3: Set the activation period and daily overseas withdrawal limit accordingly

How to create my i-banking service login ID and password online?

You may create your own login ID and password through 1st time registration for i-banking service with inMotion or at our website using any of the following authentication credentials:

  1. Customers with ATM Card or/and phone banking service – You can use your ATM card account number and PIN, or your phone banking master account number and password to register i-banking service.
  2. Customers opened bank account with Hong Kong Identity (HKID) card* (inMotion only) – You can scan your HKID card and take selfie for identity authentication following the instruction on inMotion to register for i-banking service. For your protection, a review process will be conducted and during that period of time, you are able to access to i-banking services with temporarily restriction on performing certain transactions/functions. You will be notified through SMS and email once the review is completed.
  3. Customers with Credit Card only - You can use your credit card account number and PIN to register i-banking service.
  4. You may visit our branch to apply for a PIN mailer if you do not have any of the above to perform the 1st time registration for i-banking service at inMotion or our website in order to create your own login ID and password.
You are required to input your mobile number registered at the bank to complete i-banking registration. A SMS one-time password (“OTP”) will be sent to verify your mobile number and please ensure you can receive SMS with your mobile number. Please also note that even if you have activated the SMS forwarding service for your mobile number, the SMS will not be forwarded to another phone number.

Can I use my i-banking login ID and password to access inMotion?

You can simply use your i-banking services login ID and password to log on to inMotion.

Which mobile number should I use for i-banking 1st time registration?

You should use your mobile number registered at the bank for i-banking 1st time registration.

A SMS one-time password (“OTP”) will be sent to verify your mobile number. Please ensure you can receive SMS with your mobile number. Please also note that even if you have activated the SMS forwarding service on your registered mobile number, the SMS will not be forwarded to another phone number.

If you need to change your mobile number at bank record, please visit any of our branches.

What are the limitations if I register for i-banking service using HKID card?

For your protection, a review process will be conducted for i-banking service registrations using HKID card. During that period of time, you are able to access to i-banking services with temporarily restriction on below transactions:

  • Transfer funds / remittance to 3rd a party account(s) other than performing small-value funds transfer
  • Pay to merchants under certain categories
  • Update email address / mobile number / address at bank record
  • Bind the account to WeChat
  • Confirm a eDDA
You will be notified via SMS and email once the review is completed.


Open account

What types of services are available on inMotion?

You can open a Multi-Currencies Statement Savings Account, CNCBI Credit Card(virtual) and One Account (investment account) on inMotion. However, the Bank has to verify your residential address before opening an investment account for you. Upon your request, the Bank will send an address verification letter to your residential address and you will have to complete the verification according to the instructions in the address verification letter.

Can I open a Multi-Currencies Statement Savings Account, CNCBI Credit Card(virtual) and One Account (investment account) with just one application on inMotion?

Yes, you can open all the accounts with just one single application provided that the following application criteria are fulfilled:

  1. You must be aged 18 or above and hold a valid Hong Kong identity card (permanent or non-permanent resident).
  2. You must not: be maintaining any account or service at present and/or have opened, maintained or closed any account or service with China CITIC Bank International Limited in the 6 weeks immediately preceding the application submission.

In addition, you need to fulfill the following criteria if you want to open a One Account:

  1. You must not be a US person (citizen or resident of the United States) or a Canadian resident.
  2. You must open a Multi-Currencies Statement Savings Account as the settlement account.

I am an existing customer of China CITIC Bank International, can I open an account via inMotion?

If you are an our existing customer and you have registered with inMotion, you can login to inMotion to apply for a CNCBI Credit Card(virtual) and/or One Account. However, you will not be able to open a Multi-Currencies Statement Savings Account on inMotion at the moment.

To open One Account, the Bank has to verify your residential address before you can proceed. If you have never provided your residential proof to the Bank or your residential address has not been verified, you are required to complete the address verification in order to continue to open an One account.

Upon One Account opening through inMotion, you can request for an address verification letter which will be mailed to your residential address at bank record in 5-7 business days. A one-time activation code will be embedded in the letter and you are required to complete the verification process by entering the one-time activation code according to the instructions on the letter in order to continue with the One Account opening.

Are there any fees or charges to open an inMotion account?

There is no fee for opening an account but charges may be applicable to specific banking services. Tap the following link(s) to find out more:

How long does it take to open an account on inMotion?

If you open an account (except investment account) using a Hong Kong Identity Card and meet all the application criteria, it will generally take around 10 minutes.

Do I need to open an account during business hours?

Simply input the relevant information to open your desired accounts on inMotion via your mobile device anytime, anywhere. But since the service hours for CNCBI Credit Card(virtual) are from 09:00 to 22:00 on Monday to Saturday and 12:00 to 21:00 on Sunday and public holidays, your application will be processed in the next business day if you submit your application during the non-service hours. You will receive a notification email about the application progress after you have submitted your application.

What is a one-time password?

One-time password (OTP) is a security feature to authenticate your identity when you open an account on inMotion. An OTP will be sent to your mobile phone number via SMS in order to authenticate your identity.

Can I use a mobile number registered outside Hong Kong?

Yes, but please make sure you can receive SMS with your registered mobile number. Please also note that even if you have activated the SMS forwarding service on your registered mobile number, the SMS will not be forwarded to another phone number.

Will one-time passwords expire?

Yes, one-time passwords (OTPs) will expire in 100 seconds after they are issued. If you are unable to enter the one-time password to complete your online transaction before it expires, you can request to receive another one.

Where is my one-time password?

The one-time password (OTP) will only be sent to your registered mobile number via SMS. Please note that even if you have set SMS forwarding to another mobile number, the SMS will not be sent to that mobile phone number. Tap “Resend” for another OTP if you could not receive it.

Can I change my mobile number afterwards?

During the account opening application, you will have to register your mobile number, which will be used to receive relevant messages. For any changes afterwards, please log in inMotion and go to “Security” > “Change Personal Information” by using CNCBI Token or visit any of our branches for assistance.

What do I have to be aware of during the registration for facial recognition?

During the photo taking, you need to:

  1. Look straight into the camera.
  2. Make sure your eyes are at the same level as the camera.
  3. Be against a plain and clean background.

Why have I not received any confirmation notification even though I have submitted my application?

Once the application is submitted, you will receive an SMS as well as email notification to confirm your submission. You will then receive another notification email about the application progress. If you have not received any confirmation email, please check your junk or spam email folder as it could have been moved there by your spam filters..

Can I save my incomplete application and continue later?

Your input will be saved automatically. You can:

  1. Tap “Resume Application” (or “Account Opening” if you are using a new device to resume your application) on the front page; and
  2. Enter your registered email address and mobile number for verification to resume your application.

How can I check the status of my application?

You can:

  1. Tap “Application Status” (or “Account Opening” if you are using a new device to check your application status) on the inMotion front page;
  2. Enter your registered email address and mobile number for verification to check your application status.

What is address verification?

Address verification is required for opening a One Account. A one-time activation code embedded in an address verification letter will be mailed to you by China CITIC Bank International. Please enter the one-time activation code through inMotion to complete your address verification.

After how long will I receive the address verification letter?

To open a One Account, you are required to open a Multi-currencies Statement Savings Account as the settlement account. An address verification letter will be mailed to your residential address within 5-7 business days after the Multi-currencies Statement Savings Account and the inMotion login account are successfully set up.

What should I do if I do not receive the address verification letter”?

If you have not received the address verification letter after 7 calendar days, please login to inMotion and tap “Resend verification letter”.

Will the one-time activation code expire?

One-time activation codes expire in 30 calendar days after they are issued. If your one-time activation code has expired, please click the “Resend” button on the address verification page to request for a new verification letter.

When can I conduct investment transactions after I completed the address verification and submitted my application for One Account via inMotion?

Your One Account will be ready in 10 minutes after application submission and address verification are completed. You can check your new account number in “View balance” > “Investment” anytime, anywhere afterwards.

What happens if I enter an incorrect one-time activation code three times?

If you enter an incorrect one-time activation code for three consecutive times, you will not be able to complete the address verification. You will then need to go back to the “Verify Address” page to re-start the address verification process.

Can I use my One Account for US securities trading?

Of course you can! To activate US securities trading service, you have to submit a Certificate of Foreign Status of Beneficial Owner for United Status Tax Withholding and Reporting (Individual) form (“W-8BEN form”) via inMotion.
You can download and submit the form by following the steps below:

  1. Download the W-8BEN form required by the US Treasury Internal Revenue Service Department from “Other services” > “Download/Upload W-8BEN form”.
  2. Print, complete and sign the W-8BEN form.
  3. Take a photo of the W-8BEN form.
  4. Upload the photo via “Download/Upload W-8BEN form”.

After receiving your completed form, we will enable your US Securities Trading function within 5 working days.

What is the purpose of using Artificial Intelligence (AI) during inMotion remote account opening or i-banking services registration?

AI is used during inMotion remote account opening or i-banking service registration for fraud detection and customer due diligence. During the process, an applicant is asked to scan his/her identity document and take a selfie video using a mobile device. Machine learning enhanced Optical Character Recognition technology is applied to extract words from the identity document to pre-fill the account opening form with certain personal information. Facial recognition and liveness detection technology can then match the applicant’s face with that of the photo extracted from his/her identity document and verify whether the selfie video was shot by the applicant in a live environment respectively.

If an applicant uses a Hong Kong Identity Card for the account opening process or to register for i-banking service, AI will also be used to verify the unique security features of the card, such as microprint, hologram, layout and font.


View balance

What does “My accounts” show?

“My accounts” shows the latest summary of all your assets in market value and their HKD equivalent, including your:

  • Deposits
  • Investment
  • Insurance
  • Loans
  • Credit Card

How far back can I view my accounts history?

You can view your transaction records anytime for up to 100 days.

How can I request for eStatements service?

For new customer, the registration for eStatements service will be handled during the account opening process.

For existing customer, you can log-in to your i-banking and preset settings to subscribe to eStatements.

How long do my eStatements and eAdvices remain visible in my transaction history?

You may view your eStatements of last 7 years and eAdvices of up to 90 days.


Transfer / FPS Service

Who can use this service?

Customers who opened an account using Hong Kong Identity Card via inMotion or opened an account at branch can use this service.

Customers who opened a savings account using People’s Republic of China Resident Identity Card via inMotion shall use the Transfer in & Transfer out service instead. Please refer to the relevant FAQ for details.

Is there a limit for the number of fund transfer payee registered in branch? And what is the daily transfer limit?

There is no limit on the number of payee registered via branch.

Transaction transferring to a registered payee is subject to “Transfer to registered payee(s) limit” and “Daily aggregate transfer limit”. You can go to “Settings” > “Limit Settings” to view and update your transaction limit via inMotion.

Can I register fund transfer payee online and what is the daily transfer limit?

You may register a new payee online. You will be required to conduct two-factor authentication to perform the instruction during payee registration.

Transaction transferring to a registered payee is subject to “Transfer to registered payee(s) limit” and “Daily aggregate transfer limit”. You can go to “Settings” > “Limit Settings” to view and update your transaction limit via inMotion.

Are there any service charges for funds transfer to other bank account? What should I note when I use account number to transfer funds to other local bank?

There is no service charge for transferring funds to other bank accounts.

If you use account number to transfer funds to other local bank, please note that the receiving bank may perform name checking on the payment received. Please ensure the name of the payee matches with the registered name at the receiving account, otherwise, the transaction may be rejected by the receiving bank.

When will the scheduled or recurring payment be debited? Can I amend my schedule or recurring transfer?

For scheduled or recurring funds transfer instruction, the transfer amount will be debited from customer's account in the morning on the transaction date specified. The funds arrival will depend on the handling of receiving financial institution.

Once a scheduled or recurring funds transfer instruction is set up, no modification is accepted. You can only delete the pending instruction and create a new one.

What is “FPS”?

“FPS” stands for Faster Payment System. A payment service provided by Hong Kong Interchange Clearing Limited (HKICL), it is a cost effective, safe, efficient and widely accessible channel for all banking customers to send and receive payments on real-time basis.

What is the benefits of using “FPS”?

Benefits of using “FPS” (Faster Payment System):
- supports 7x24 real-time transfer. The settlement of this real-time transfer will depend on the handling of receiving financial institution 
- supports transfer in HKD and CNY to other “FPS” service providers
- no service charges from the bank

Please note that all transfer instructions to other local bank submitted via inMotion will use “FPS” for processing.

Any limitations on cross currency funds transfer and what is the minimum transaction amount?

Cross currency funds transfer can only be executed between China CITIC Bank International accounts under your name. One of the currencies for cross currency funds transfer must be Hong Kong Dollar. The minimum transaction amount for cross currency funds transfer would be HK$100 or its equivalent.

Will I be informed of the foreign exchange rate when I make a cross currency funds transfer?

We will display the exchange rate and exchange amount on the transfer page when you make a real time cross currency funds transfer. If you make a scheduled or recurring cross currency funds transfer, the transfer will be processed with the exchange rate on the execution date.

Can I transfer to a non-registered payee?

You can transfer funds to someone without prior registration. Except small-value funds transfer, transaction transferring funds to a non-registered payee has to be authenticated by two-factor authentication.

Transaction transferring to a non-registered payee (except small-value funds transfer) is subject to “Transfer to non-registered payee(s) limit” and “Daily aggregate transfer limit”.

If the transfer amount does not exceed your available small-value funds transfer limit, the transfer will be first deducted from the small-value funds transfer limit instead of transfer to non-registered payee(s) limit.

The “Transfer to non-registered payee(s) limit” defaults to zero. You need to increase your daily limit prior to any transaction. If you did not perform any transfer to non-registered payee(s) (except small-value funds transfer) for 12 months, such transaction limit would be reset to zero.

What is “Small-value funds transfer”?

Small-value funds transfer is a service that allows you to transfer up to HKD 10,000 without prior registration of payee. You will be required to activate this service at the first time you use it. For further customer protection, stepped-up authentication may be required from time to time when you make a small-value funds transfer (e.g. the first time you transfer to a payee).

Small-value funds transfer is subject to “Small-value fund transfer limit” and “Daily aggregate transfer limit”.

If you have not activated this service or the transfer amount exceed your available “Small-value fund transfer limit”, system will proceed the transfer by using “Transfer to non-registered payee(s) limit”.

How can I disable the service of transferring to non-registered payee(s)?

If you don’t want to transfer to non-registered account, you may simply set the transaction limit of "Transfer to non-registered payee(s)" as zero and not activate the “Small-value funds transfer” service.

If you need to deactivate the “Small-value funds transfer” service, please change your settings under "My Online Set-up" > “Small-value Transfer Settings” via i-banking.

What are daily transfer limits and can I adjust my daily transfer limits?

The daily transaction limits related to Transfer include:

  1. Transfer to your own account(s) at China CITIC Bank International
  2. Transfer to registered payee(s)
  3. Transfer to non-registered payee(s)
  4. Small-value funds transfer
  5. Daily aggregate transfer limit (including transactions of “Transfer to registered payee(s)’, “Transfer to non-registered payee(s)” and “Small-value funds transfer”)

If you need to update the daily limit for “Transfer to your own account(s) at China CITIC Bank International”, please access "My Online Set-up” > "Set Transaction Limit" via i-banking. For updating other transaction limits, simply go to “Settings” > “Limit Settings” via inMotion.

Please be reminded that you will be exposed to additional risk of unauthorized transaction after increasing limits. You are recommended to review your transaction limits regularly and make adjustment to fit your needs.

How will I receive the confirmation alerts for fund transfer?

If you have submitted a fund transfer instruction via inMotion, confirmation alert will be sent to your latest email address registered with the bank. If the instruction is to complete a small-value fund transfer or a transfer to a non-registered payee, SMS alert will also be sent to you.

Moreover, if you have registered our “WeChat Account Binding” service, an additional alert will be sent to you via WeChat.

Can I use mobile number, email address or FPS Identifier to make payment?

Yes, if your payee has registered Addressing Service via any “FPS” service provider, you can make the payment by inputting your payee’s mobile number, email address or FPS Identifier.
Or you can simply select the payee’s mobile number or email address from your Phone Book. To use this service, you need to grant access permission for the bank to your contact list under Phone Settings and you can change this setting anytime.
For funds transfer instruction to a mobile number, email address or FPS Identifier, you may choose transferring to the payee's "FPS" default account or specify the receiving account for the payment.

Can I scan QR code for making payment to others?

Yes, you can scan QR code to capture payment details without inputting fields manually. Please check the payment details before you confirm the transfer instruction.
For QR code scanning service, you need to grant permission for us to use your camera under Phone Settings. You can change this setting anytime.

What is FPS Identifier?

FPS Identifier is a set of unique and random number generated by HKICL FPS to be associated with the account of a customer of a Participant.

Will my FPS Identifier change if I delete my FPS Identifier and then register again?

If you delete your FPS Identifier and register again within 2 months, the same FPS Identifier will be assigned to you. Else, you will receive a new FPS identifier upon registration.

Can I view my transfer history?

You may check the transaction record of your online funds transfer transaction(s) within 30 days.

How to prevent mistakes when sending a payment instruction?

Users should verify the payment details before confirming a payment instruction, including the payee’s name, receipt number (Account number/Mobile number/email address/FPS identifier) and the amount.

When performing a FPS fund transfer, users should carefully verify the payment details, including, among others, the payee’s name and account number, etc. It is not likely that the payer can stop a transfer after it has been effected.

When performing fund transfer, will the bank process name checking?

Where a payer input the payee’s bank account number as the identifier and the payee institution is a retail bank, fund transfers of HK$10,000 (or other currencies if an equivalent amount) or above, name checking process will be conducted.

If the fund transfer’s amount is less than HK$10,000 (or other currencies if an equivalent amount) or the payee institution is not a retails bank, name checking process may not be conducted.

I am trying to recall a payment sent to the wrong account. What should I do?

Please contact the unintended recipient directly to request return of the money. If you are unable to contact the recipient, please contact the bank, we will provide assistance as appropriate.

If the unintended recipient reject to return the fund, what should I do?

Please seek for independent legal advice.

What are the consequences if I do not return the mis-transferred fund?

Please return the fund to the payer when the fund is mis-transferred. If you do not return, the payer may take relevant action on you and you may be liable.

What is “FPS” Addressing Service?

Addressing service allows you to register your mobile number, email address, FPS ID and/or HKID number to “FPS” service provided by HKICL to receive payments via the registered mobile number, email address, FPS ID and/or HKID number.

Can I link up my mobile number, email address, FPS ID and/or HKID number to multiple CNCBI accounts?

Yes, you can register and link up your mobile number, email address, FPS ID and/or HKID number to one HKD account and one CNY account respectively (*HKID number cannot be linked up with credit card account). You can assign our Bank account as the “FPS” default account for receiving money. If the mobile number or email address is first registered for “FPS” Addressing Service, that account(s) would be automatically set as your “FPS” default account.

Can I also register “FPS” Addressing Service in other banks?

Yes, you can also register “FPS” Addressing Service in other financial institutions. If you have registered the “FPS” Addressing Service with the Bank, you may enquire with us of any of your addressing records of any non-CNCBI account.

If I would like to update my mobile number / email address, what can I do?

Please log in inMotion and go to “Security” > “Change Personal Information” by using CNCBI Token to update your mobile number/ email address or visit any of our branches.
Please note that your registration for FPS addressing service with the existing mobile number/ email address, if any, will be cancelled once your change request is submitted. Please register your updated contact information in FPS addressing service to make sure you can receive funds from others.

Which account is my default account for receiving funds?

Specify one of the accounts as the default account for receiving funds if you have registered “FPS” Addressing Service with more than one “FPS” service providers.
If your default account is terminated by you or by the relevant service provider for any reason, the latest registered record in the Addressing Service will be assigned as the default account.

Unable to register Addressing Service with my email address?

“FPS” Addressing Service registration does not support email address with more than 34 characters.

If I have set up eDDA mandate, is there any daily limit set by the Bank for direct debit payment?

To protect our customers, the Bank has preset customer daily limit for direct debit payment which may be different from the payment limit setup in the relevant eDDA mandate(s). Prevailing limit of direct debit payment is HK$1,000,000 or equivalent.


Transfer in and out (only applicable to customers who opened a savings account using People’s Republic of China Resident Identity Card via inMotion)

How can I transfer funds to and from inMotion?

You can only transfer funds from a sole account under your same name (“designated account”) to the savings account and subsequently transfer funds from the savings account to the same designated account (excluding overseas accounts).

You can also deposit cheques into the savings account over the counter or through cheque drop-in box at our branches. Please be reminded that:

  • The cheques must have your same name pre-printed as the payer and to be drawn on your sole account with a bank in Hong Kong;
  • Avoid cheques to be drawn on a third party/joint name account, or without payer’s name pre-printed;
  • No funds transfer can be made to the same sole account until such account becomes a designated account as illustrated above.

Find branch locations >

Do you charge for each transfer in?

We do not charge for transfer in, but your issuing bank may charge you for transfer out.

I couldn’t transfer funds into my account. What’s the problem?

Please make sure that:

  • Your remittance account is a not a joint account
  • The name of the remittance account holder is identical to your name in inMotion. The surname and first name should be in the same order as our Bank record for transfer via “FPS”. For example, if the name of inMotion account is Chan Tai Man and the name of remittance account is Tai Man Chan, the inward funds transfer would not be processed successfully.
  • The remitted currency is the same as in your inMotion
  • The issuing bank is a licensed bank / “FPS” service provider in Hong Kong.
  • You use the Clearing House Automated Transfer System (CHATS) / “FPS” (Faster Payment System) or cheque deposit over the counter or via cheque drop-in box to move your money into inMotion.
  • The payer’s name of the cheque must be same as your own single name account. Cheque payer in a third party’s name, joint name, or without payer’s name printed will be rejected.

If you have additional questions about transfer in, please contact your issuing bank.

Can I transfer money into inMotion from a bank account other than the first binding account?

Yes, you can bind more than one local bank account held in your own name for transferring money into inMotion via CHATS / “FPS” (Faster Payment System).  Please note that the account currency must be in HKD/USD/CNY for CHATS. “FPS” supports transfer in HKD and CNY only.

If I have closed my account, can I still transfer in?

No. Please visit any of our branches for assistance.

What is the amount limit of outward fund transfer?

The minimum amount of each outward fund transfer is HKD 200 (or equivalent). Outward funds transfer in HKD and CNY will be processed by “FPS” (Faster Payment System) while outward funds transfer in USD will be handled by CHATS.

The default daily limit of transfer out is HKD 30,000 (or equivalent). If you would like to adjust this limit, please log on to i-banking with desktop computer, click “My Online Set-Up” > “Set Transaction Limits”, and select “3. Transfer to pre-registered account(s) at other banks” to adjust this limit. This daily limit could be adjusted to a maximum of HKD 200,000 (or equivalent).

Please pay attention that increase transaction limit should be authenticated by CNCBI Token.

Can I transfer funds out via CHATS after the cut-off time?

You can still make the request and we will transfer your funds on the next business session. Our service hours are from 9:00am to 4:30pm from Mondays to Fridays (except for holidays).

Will I receive notifications for transfer in and out?

You will receive notifications for inward fund transfer and outward fund transfer via SMS, email and on WeChat (if you have already bound).

When I transfer funds out to binding account(s), why do I need to use CNCBI Token App to authenticate the transaction?

To strengthen the security measure for “Transfer out” transactions on inMotion, you are required to use CNCBI Token App for two-factor authentication to verify the binding account(s) when conducting the “Transfer out” transactions for the first time.

Upon the verification of your binding account(s), two-factor authentication will not be required again for your next “Transfer out” transactions.


Foreign Exchange (“FX”)

What service does the "FX" function provide?

FX function enables you to exchange up to 12 available currencies at preferential exchange rates.

Which currencies are available in "FX"?

12 currencies are available, including HKD, CNY, USD, AUD, CAD, EUR, GBP, NZD, CHF, SGD, JPY and NOK.

Can I transfer my money into 3rd party account of China CITIC Bank International?

No. Currently you can only transfer your money into your own account in “FX”.

What are the foreign currencies trading hours?

The foreign currencies trading hours are from 8am on Monday to 1pm on Saturday (including Public Holidays).

Is there a minimum trading amount?

The minimum trading amount is HK$100 (or the equivalent).

Can I change my daily transaction limit?

This service follows the limit of “Transfer to your own account(s) at China CITIC Bank International”. Simply login to i-banking and go to “My Online Set-up” > “Set Transaction Limit” to change your daily transaction limit.

How can I check the actual exchange rates of the currency pair being traded?

Actual exchange rates of the currency pair being traded will be displayed on the FX transaction page.


Currency-Linked Deposit

What is a Currency-Linked Deposit (CLD)?

CLD is a structured investment product involving derivatives, which comprises of a time deposit and a currency option. When you set up a CLD, you are setting up a time deposit and at the same time selling a currency option.

The fixing of the currency option would determine whether you will receive the deposit amount and the interest earned in the Deposit Currency or receive the amount converted to the Linked Currency at the Strike Rate at maturity.

Which currencies are available on inMotion?

10 major currencies including HKD, USD, AUD, NZD, EUR, GBP, CAD, CHF, JPY and RMB make up different currency pairs for your choices to suit your investment needs.

How can I trade CLD?

You can trade CLD as long as you own a One Account, have completed the Investor Risk Analysis and also have sufficient derivatives knowledge.

Please access i-banking service to watch the Video Training on Derivatives if you want to have the knowledge of derivatives.

What are the service hours of CLD?

You can check rate and trade CLD from 9:00am to 6:00pm, Monday to Friday on Hong Kong business day.

Is there a minimum deposit amount for CLD?

The minimum deposit amount is HK$100,000 or the equivalent.

How can I check the actual rates of the currency pair being traded?

Actual exchange rates of the currency pair being traded will be displayed on the FX transaction page.

Where can I check my order status and transaction history?

You can check your order status and history via CLD > My Portfolio > Transaction History page.

Once the CLD is successfully set up, a Confirmation Advice will be sent to you by mail or be available as e-Advice on inMotion.

What is the fixing date and time of the transaction?

The fixing date and time is 3:00pm Tokyo Time on the maturity date.

If the settlement day fall on any bank holiday or non-business day in the home country or region of deposit currency or linked currency, the fund settlement will be deferred to the next business day on which both currencies can be delivered and settled.

Can I amend or cancel the executed CLD?

Once the CLD is set up, the underlying currency option becomes effective. Therefore, you cannot amend or cancel the executed CLD.

Can I request for early termination before maturity?

Early termination of CLD by customer is not allowed.

What should I do if I have other questions on CLD?

Please contact our Customer Service Hotline (852) 2287 6788 for enquiry.


Time deposit

Can I get special pricing on setting up Time Deposit via inMotion?

Yes, if you set up HKD, USD, CNY Time Deposit with available tenure via inMotion, no matter it’s new fund or existing fund, you can enjoy preferential pricing.

When can I set up my Time Deposit via inMotion?

Our service hours of Time Deposit in inMotion is:

For HKD Time Deposit:
• Mon – Fri: 9:00am – 8:00pm
• Sat: 9:00am – 4:00pm

For CNY / USD Time Deposit:
• Mon – Fri: 9:00am – 8:00pm

Please note that opening of time deposit in inMotion is  not available on public holidays.

Can I renew my Time Deposit before maturity date via inMotion?

Yes. You can amend the maturity instruciton through inMotion at least two business days prior to the maturity date. Please be noted that maturity instructions on specific account(s) cannot be amended via inMotion. Please call 2287 6767 or visit any of our branches for assistance.

Service hours for amending maturity instruction is:
Mon - Fri: 9:30am -7:59pm
Sat: 9:30am -5:59pm
Sun & Public Holiday: not applicable

Can I set up forward-dated Time Deposit via inMotion?

No. You can set up your Time Deposit via inMotion only on the same day during service hours.


Investment funds

Can I trade investment funds via inMotion?

Sure! As long as you own a One Account, you can trade investment funds via inMotion anytime!

What Investment Funds services does inMotion provide?

inMotion provides the following Investment Funds services for you:

  1. Fund Search
  2. Watchlist
  3. Fund Comparison
  4. Fund Subscription
  5. Fund Redemption
  6. Fund Switching
  7. Order Status
  8. Investment Funds Portfolio Summary

How do I conduct a fund search?

We offer over 1,000 investment funds managed by reputable international fund management companies covering a wide fund range, including fixed income funds, balanced funds and equity funds.

Other than fund code / keyword / ISIN, you may search by any of the criteria below: 

  • Fund Company
  • Fund Category
  • Market and Sector
  • Product Risk Level
  • Investment Objective
  • Fund Currency
  • Morningstar Rating TM
  • Past Performance
  • Dividend Policy

Where can I find the transaction fee information of funds?

Transaction fee (i.e. subscription/ redemption / switching fee) may vary across funds. You may check the fee of individual funds on the order input page.

When will you complete my order?

Reminder: The dealing day and cut off time of Investment Funds service are Mondays to Fridays (excluding public holidays and special holiday (e.g. Typhoon)) and 15:15 or 16:15 (depends on the fund you selected). If we receive your order before the cut off time on dealing day, we’ll complete the order on the same day. If we receive your order on a non-dealing day or after the cut off time on dealing day, we’ll complete the order next dealing day.

Where can I check my order status and transaction history?

Your order status and history up to 100 days can be viewed on inMotion “Investment Funds” > “My Portfolio” > “View Transaction History" page anytime.

Can I amend or cancel my order after it has been submitted?

Your order cannot be amended or cancelled after order submission.

When will you deduct my subscription amount?

If we receive your order before the cut off time on dealing day, we’ll complete the order on the same day, then the subscription amount will be deducted from your settlement account within the same working day. Therefore, please ensure sufficient balance in your account.

How long does it take to receive my fund redemption proceeds?

It normally takes around 1 week for the proceeds from your fund redemption to be made into your settlement account.

Why my order cannot be completed?

It may be due to any of the following reasons:

  • Insufficient fund in the corresponding currency settlement account on the settlement day
  • Instruction being cancelled by fund companies

Securities trading

Can I trade securities via inMotion?

Sure! As long as you own a One Account “Investment”, you can trade securities via inMotion anytime!

What Securities Trading services does inMotion provide?

inMotion provides the following Securities Trading services for you:

  • HK Market:
    • Stock Trading
    • Stock Quote (15 minutes delay)
  • All Market (including Hong Kong`, China A Shares and US):
    • View order status
    • Order Cancellation
    • View transaction history
    • Check portfolio summary

If you wish to trade U.S. Stocks and China A-Shares, please visit i-Banking or inVest.

How do I conduct a Hong Kong stock search?

You can search the stock with the stock code in the “Securities Trading” of inMotion, or select the recent 10 stocks in the recent search function.

What are the charges for trading of Hong Kong Securities?

You have to pay third-party charges such as handling fee, securities management fee, transfer fee, stamp duty as well as bank charges such as brokerage commission fee. For details, please refer to the Investment Products Service Fees and Charges. The fees will be charged in Hong Kong Dollar.

When will China CITIC Bank International debit my securities purchase from my account when I am trading securities?

Upon the Bank process the order, the purchase amount will be held on One Account “Deposit”. The actual debit of the money will take place on the settlement day.

How can I check Securities buying power via inMotion?

You can search the stock with the stock code in the “Securities Trading”, the buying power of One Account “Deposit” will be displayed.

Where can I check my order status?

You can check your order status up to 18 days in inMotion’s “Securities Trading” > “Order Status" page anytime!  Also, You may opt to receive email or SMS for execution result.

If I want to amend an open order, what should I do?

We will introduce the function soon. At the moment, you may consider to cancel the order and re-submit the instruction.

Can I cancel my order after it has been submitted?

Sure! You can cancel your order by pressing Cancel from the Action column and the Order Cancellation page will appear. To confirm the cancellation of your order by dragging the Confirm button to the right.

Click the Cancel button if you have selected an incorrect order to cancel or you do not wish to cancel the order. If an error has occurred, the details will be displayed. A Confirmation page will appear verifying that the order cancellation has been accepted for processing. From here you can click the Order Status link to check the order status. If you have an outstanding order that is not yet filled in the market, you may cancel it by clicking 'Cancel' on the Trade Status page to proceed the cancellation. Please note that cancellation request will be promptly submitted to relevant exchanges for execution on a best effort basis. Any fully cancel request or open or partially filled order amendment request cannot be guaranteed as the original order may be partially or fully executed. Cancellation or Amendment request is subject to the market conditions as well as prior execution of your original order.

What will be happened if the orders are not executed by the end of the Good Till Day?

All unmatched days orders will expire at the end of the Good Till Day. You will have to re-enter the order after the trading hours if you wish to keep the order for the next business day.

What can I see in trade status and balances when an outstanding order expired?

The order will be remarked in Trade Status as 'Expired' and withheld fund will be released to Usable Balance for Trading after Good Till Day market closed.

Is there any per order transaction limit for Securities Trading Service?

Yes, at present, the pre order transaction limit for Securities Trading transaction is HK$2,000,000 or equivalent.

What type of statements do I receive?

You will receive a Trade Confirmation whenever there is a transaction in your trading account. Monthly statements will be sent to you within the first seven business days of each calendar month, showing the cash balance and all securities in your Securities Trading account and all your transaction activities within the previous month. Alternatively, you can access your account information through inMotion.

If I would like to have a reprint of my monthly statement or contract note, what should I do?

Duplicate statements can be issued on request. Please apply for reprints through our Securities Trading Service Hotline. Additional charges may apply.

Why I need to perform 2-factor authentication for securities trading/enquiries via online platforms?

To strengthen the security level for online transactions, starting from 22 Apr 2018, 2-factor authentication with physical security device or CNCBI Token App is required for any securities trading/enquiries via online platforms.

What order types can I choose?

You may choose:

  • At-Auction Limit Order
  • Enhanced Limit Order
  • Market Order

Can I place odd lot order?

inMotion is not supporting the odd lot order.

Why the order is rejected with an alert message "The input price is out of the spread range"?

We only accept At-auction Limit Order within 199-price spread and Enhanced Limit Order within 23-price spread of the nominal price. Instructions that out of the spread will be rejected.

After placing a securities trading order on Internet, can I enquire or place amendment / cancellation instruction through other channels?

Yes, you can check, amend or cancel your order by cross channels, i.e. you may do it via i-banking, inVest, Automated Securities Trading Hotline, Manned Securities Trading Hotline.

What is the settlement arrangement for Hong Kong Securities Trading?

Hong Kong Securities Trading will follow HKEX settlement cycle. Securities and money settlement will be on T+2 day.

What should be noted when doing Dual Counter (RMB and HKD counters) securities transactions?

When trading Dual Counter (RMB and HKD counters) securities trading, please note that if the issuer pays dividends in RMB only.

Can I make an IPO application through EIPO service through inMotion?

We will introduce the EIPO soon, you may submit the application through i-banking, Automated Securities Trading Hotline or Manned Securities Trading Hotline.

How to submit corporate action reply?

  1. Download, print, complete and sign the corporate action reply slip from "eStatement/eAdvice".
  2. Take a photo of the completed reply slip.
  3. Conduct two-factor authentication by using CNCBI Token.
  4. Upload the photo via “Reply corporate actions”. Instruction will be processed within 1-2 working day(s).

How can I sign up agreement for U.S. market data display services?

Log in to inMotion. Go to "Invest" in side menu > "Sign Up Agreement for U.S. Market Data Display Services" and follow instruction to complete authentication.


Bill Payment

Which merchants can I pay to?

For a customer who opened an account via branch or using a Hong Kong Identity Card via inMotion

You can pay bills of more than 900 merchants in over 30 categories.
You may need to use CNCBI Token to register some of the merchants before making payment.

For a customer who opened an account using a People’s Republic of China Resident Identity Card via inMotion

You can pay to merchants of the following categories:

  • Government or Statutory Organization
  • Public Utility
  • Primary or Secondary Education
  • Post-secondary or Specialized Education
If you would like to pay bills of other merchant categories, please visit any of our branches with your identity card and residential address proof to apply for full account service.

Can I amend/cancel a payment instruction?

If you pay the bill “Now”, the instruction cannot be amended or cancelled, otherwise you may delete the instruction in “Pending” page and re-submit a new instruction.

How much can I pay?

Please refer to “Settings” > “Limit Settings” in inMotion for the relevant bill payment limits.

Meanwhile, there may be upper and lower limits per payment for a particular merchant. Please contact the merchant directly for details.

Why am I not able to pay the bill?

Please make sure that you have filled in all necessary information correctly. If you do not have correct bill number and bill type, please contact the merchant directly.

If you have used up your bill payment daily limit, simply go to “Settings” > “Limit Settings” via inMotion to increase bill payment limit or pay on the next business day.

Why is the status of payment "In Progress"?

Payment submitted before cut-off time (4:30 pm on business day) will be processed on the same day. Please enquire the latest payment result and the transaction date later.
If it is a special holiday (e.g. Typhoon), the actual payment date will possibly be delayed.

How can I settle credit card bill via inMotion?

You can settle the outstanding balance of CNCBI credit card under the “Credit Card” function.
If it is a payment to credit card of other institution, you may pay under the “Pay Bill” function.
(This service is not applicable to new customers who opened an account using People’s Republic of China Resident Identity Card via inMotion)

Is there any additional service charge if I pay bill with credit card?

Payment with credit card to some merchants is treated as a cash advance transaction, which will incur handling fee and finance charge. You will be reminded for such before payment instruction submission.


Remittance

Who can use this service?

Customers who opened an account via inMotion or at branch can use this service.

Tips: Customers who opened a savings account using People’s Republic of China Resident Identity Card via inMotion can only use inward remittance service and the funds must be remitted from a same name account.

What service does the “Remittance” function provide?

With Remittance, you may transfer any of the 12 available currencies to banks around the world, including HKD, CNY, USD, AUD, CAD, EUR, GBP, NZD, CHF, SGD, JPY and NOK. Also, you may check the transaction record of your remittance instruction(s) within 30 days.

How can I transfer money to a third party account in “Remittance”?

If you have registered remittance beneficiary account(s) via branch, you can submit remittance instruction(s) via i-banking/inMotion anytime anywhere.

In addition, you can also register the beneficiary details via i-banking/inMotion as remittance template with two-factor authentication before submitting remittance instruction(s).

What are the remittance service hours?

For CNY (Renminbi) : 9:00am – 2:30pm from Mon to Fri.
(For CNY Remittance, if submission date is Hong Kong or PRC public holiday, the remittance will be processed in the next Hong Kong and PRC business day.)
Other currencies: 9:00am – 4:30pm from Mon to Fri. (excluding Hong Kong public holidays)
The instruction received before cut-off time will be processed on the same business day. The instruction received after cut-off time will be processed on the next business day.

What is the outward remittance daily transaction limit?

Remittance transaction is subject to the “Remit to registered payee(s) limit”. You may go to “Settings” > “Limit Settings” via inMotion to view or update your transaction limits.

Tips: Outward remittance is not applicable to the customers who opened a savings account using People’s Republic of China Resident Identity Card via inMotion.

How can I adjust the remittance daily transaction limit?

If you need to adjust your daily transaction limit, please access “Settings” > “Limit Settings” via inMotion.

Can I amend or cancel my instruction after it has been submitted?

Your instruction cannot be amended or cancelled after submission, please verify the information before submission.

What is the difference between Telegraphic Transfer (T/T) and CHATS?

CHATS:
- only applicable to 4 currencies: HKD, CNY(Renminbi), EUR or USD
- can remit to banks located in Hong Kong only
CHATS remittance can remit the funds to the other bank's account on the same day if the application is submitted before the cut-off time. The handling charges is waived.

Telegraphic Transfer (T/T):
- support 12 currencies: HKD, AUD, CAD, CHF, CNY(Renminbi), EUR, GBP, JPY, NOK, NZD, SGD, USD
- can remit to banks around the world
T/T related fees and charges will be applied

What do I need to notice if I want to do Renminbi (CNY) outward remittance?

Applicant must be a personal account holder instead of company account holder with the bank
For Hong Kong Identity Card holder, the applicant and beneficiary must be the same person and with same registered name for remit and beneficiary account in mainland China. Also, the daily limit for Renminbi Outward Remittance is CNY 80,000.
The Clearing Institution has the right to determine whether a Renminbi remittance can be completed.

Who need to pay the charges for using Remittance service?

The applicant can specify the charges arrangement from one of the below options during the application:
- Debit from my account: All charges will be deducted from the selected account of the applicant
- Debit from beneficiary account: All charges will be deducted from remittance amount
- Shared between my account and beneficiary account: Our bank charges will be deducted from selected account of the applicant and the correspondent bank charges will be deducted from remittance amount

What are Correspondent's bank charges?

Correspondent's bank charges are the overseas bank charges or other recipient bank charges.

Why I can’t see some of the remittance templates that I created on i-banking?

inMotion will display the remittance templates registered with SWIFT code and without “Intermediary Bank’s Information”. For templates with “Intermediary Bank’s Information” or non-SWIFT code, please logon to i-banking for management and instruction submission.

When will the beneficiary received the funds via Telegraphic transfer?

The time when the beneficiary receives the funds will depend on the processing time of the intermediary bank(s) / beneficiary bank or its branches. Normally, it takes 1 to 3 business day(s) for beneficiaries to receive the funds.

However, it may take longer time for payment to countries where exchange control is in place, or where it is the receiving bank's requirement to release funds upon contact with the beneficiary, or if the payment has to go through a number of banks and branches.


Insurance

Online Life Insurance Application is temporarily unavailable. You are welcome to visit any CNCBI branches for details of life insurance plans available for your selection.


Security

What is device binding and security code?

Device binding and security code is our bank’s security function for identity verification, replacing CNCBI Token/SMS one-time password as the mean of authentication. Your device will be recognized as a trusted device after binding and setting up of a 6-digit security code. Device binding is the 2nd factor used for identity authentication for transactions on inMotion/Personal i-Banking/inVest. For certain high-risk transactions, you are required to input the security code in order to strengthen transaction security.

Also, you can log in to inMotion without inputting login ID again on your primary device after binding.

Does my device support device binding and security code functions?

The device binding function is available for below operating system:

  • iOS version 10.3.3 or above
  • Android OS version 6.0 or above

How do I activate device binding and set up security code?

As long as you have not yet activated device binding, the activation flow will be shown after logging in to inMotion. Simply follow the instructions to activate device binding and set up security code. You can also visit “security center” -> “authentication settings” on inMotion app to update related settings.

Do I need to bind the device again if I’ve activated device binding before the introduction of security code?

If you have already activated device binding before, You are still required to set up a security code via CNCBI Token (if applicable) or SMS one-time password after logging in to inMotion to get full protection. Please note that, to safeguard your account, certain high-risk payment transactions and the change of personal information will be unavailable temporarily for 6 hours.

Do I need to set up security code if I have CNCBI Token activated already?

Yes, as CNCBI Token will be suspended for personal banking customers on 19 Feb 2023 and corresponding authentication function will be replaced by device binding and security code in inMotion. Personal banking customers should activate device binding and set up security code on inMotion as soon as possible to avoid impacting future instruction.

Will the original CNCBI Token password become security code automatically?

No, a 6-digit security code is required to set up during device binding activation. When performing some high-risk transactions, you will need to enter the security code on inMotion as an additional level of authentication. CNCBI Token password will become invalid once the new security code is activated.

Can I continue to use CNCBI Token for identity verification after the launch of security code?

You can still use CNCBI Token for identity authentication until 19 Feb 2023. Once you have set up the security code, whether or not device binding is activated before or at the same time, your CNCBI Token will be immediately deactivated. Please perform identity authentication on inMotion via device binding and security code instead.

If you do not have an activated CNCBI Token, no new registration/activation will be processed. Please set up device binding and security code on inMotion for identity authentication.

Is CNCBI Token still usable after activating device binding and security code?

After activating security code, CNCBI Token will be immediately deactivated and cannot be registered/activated again. Personal banking customers should uninstall the app on mobile device directly.

How do I use inMotion to authenticate high-risk transactions if I have a personal i-banking account but not an inMotion user?

All you need to do is to download inMotion from app store and log in to inMotion with your i-banking user ID and password directly to activate device binding and security code. In addition, you can also enjoy a wide range of convenient mobile banking services provided by inMotion.

Can I activate device binding and set up security code separately?

No, device binding and security code is a complete set of security function, they must be activated at the same time and on the same device. You cannot activate/ set up either one of them separately or via two devices.

How do I deactivate device binding or security code?

You can deactivate both device binding and security code at any time via "My online set-up" in i-banking or by contacting our Customer Service and General Banking Hotline at (852) 2287 6767. After deactivation, you will be unable to perform identity authentication for some of the high-risk transactions on inMotion and Personal i-Banking.

How many devices can be bound at the same time?

To protect your account, we only allow one device to be bound at one time. If you bind another device, the device binding and security code on the current device will be deactivated immediately.

I use multiple devices to access inMotion, can I still use device binding?

Yes. We suggest binding your primary device that you use the most, and choose "do not switch device binding" when logging in to inMotion from your other device(s). You will be prompted to use the bound device / SMS one time password when performing some high-risk transactions on unbound devices.

How to switch my device binding from one device to another?

Please log in to another device, the switch device binding option will be prompted. Simply follow the instruction to complete the switching process.

Why does inMotion ask if I have switched to a new device when I log in on my primary device with device binding?

This question will be asked when the device has been switched or when the inMotion app has been uninstalled/reinstalled on the same device. If not, that may be caused by network connectivity issue. You may reopen inMotion app to retry later, or reactivate device binding and security code.

Please contact us at (852) 2287 6767 if you need further assistance.

Can I lend my bound device for my family or friends to access their inMotion account?

No, you should never lend your bound device to anyone as it has been recognized to be a trusted device. Also, you cannot use someone else's account to log in to inMotion on a bound device.

What should I do if I lost my bound device?

You should deactivate device binding and security code via "My online set-up" in i-banking or by contacting our Customer Service and General Banking Hotline at (852) 2287 6767. You can also deactivate current device's binding and security code via binding another device.

What are the measures adopted by inMotion to ensure the security of device binding and security code?

  • Users can deactivate this function via i-banking or Customer Service and General Banking Hotline anytime.
  • Once the function is enabled / disabled, users will be notified by SMS and email.
  • Each user can only enable this function on one device at a time.
  • If users have not used this function for a year, it will be deactivated.
  • Users cannot use this function with a jailbroken / rooted device.

Why am I unable to perform certain payment transactions and change of personal information instantly after activating device binding and security code?

To strengthen security, below transactions will not be available for 6 hours since device binding and security code activation:

  • Small value fund transfer
  • Register or transfer to new payee
  • Create remittance template
  • Create high-risk bill payment template
  • Change email address
  • Change mailing address
  • Change mobile number

We will notify you again once the selected functions are available. If you want to remove the corresponding restrictions within the 6-hour period, please contact our Customer Service and General Banking Hotline at (852) 2287 6767.

What should I do if I cannot receive push notification on my primary device for transaction authorization?

There might be a couple of reasons:

  • Your device has disabled notification permission for inMotion or enabled battery optimization.
  • Network connectivity issue causing delivery failures for notifications.
  • Push notification service may be limited in some countries and territories for Android devices.

Don’t worry, even without the push notification, you can still open inMotion app on your primary device directly to authorize instruction.

What should I do if I have not activated device binding but received notification regarding device binding activation?

Please contact us for help at (852) 2777 8871 immediately.


Live Chat

What is Live Chat?

Live Chat is an interactive text messaging service for customers of the Bank and other individual users to interact with us for the purposes of general enquiries about the Bank’s services and products.

Who can use Live Chat?

Live Chat is open for anyone who would like to connect with us for the purposes of general enquiries about the Bank’s services and products.

What is automated chatbot?

Automated chatbot (“iChatbot”) is powered by artificial intelligence technology to simulate a text messaging conversation with you via Live Chat to support your general enquiries regarding our Bank’s services and products through the Bank’s website or the Bank’s inMotion application. iChatbot is capable of recognizing and responding to your questions according to our information knowledge base and the conversation may be monitored and recorded by China CITIC Bank International for training, quality monitoring, disputes handling purposes, etc.

When is Live Chat available?

Live Chat service is available 24 hours a day, 7 days a week.

What are the fees and charges for Live Chat?

Live Chat is free of charge.

Do I need to input personal information when using Live Chat service?

No. Live Chat service is only for general enquiries and is not able to answer questions regarding your account information. We will never ask for your highly sensitive information including login ID, password, PIN, identification document number via Live Chat. Please read and understand the Terms and Conditions for Live Chat before requesting Live Chat service. If you are enquiring services related to your account, please call our Customer Service Hotline at (852) 2287 6767 during the service hours (Monday - Friday: 9:00am to 8:00pm; Saturday: 9:00am to 6:00pm).

What if I do not want to continue a conversation on Live Chat service and would like to have assistance over the phone?

If you prefer calling us for enquiries, you may simply end the chat by tapping the “X” button at the top right corner and call our Customer Service Hotline at (852) 2287 6767 during business hours (Monday - Friday: 9:00am to 8:00pm; Saturday: 9:00am to 6:00pm).

Can I request your Customer Service Representative to call me instead?

If you would like to talk to our staff, please call our Customer Service Hotline at (852) 2287 6767 during business hours (Monday - Friday: 9:00am to 8:00pm; Saturday: 9:00am to 6:00pm).

How secure is Live Chat?

All chats are secured with end-to-end encryption and saved securely.

Will the conversation on Live Chat be recorded?

The Bank will retain a transcript of all communications with you via Live Chat. The transcript and all the data therein will not be kept longer than necessary for the fulfilment of the purposes for which the data are or are to be used at the time of the collection and for compliance with the legal, regulatory and accounting requirements from time to time.

What languages does Live Chat support?

We are able to communicate with you in traditional Chinese, English and simplified Chinese.

Why does my chat end automatically?

Your chat will be automatically closed if we do not receive any response from you for a certain period. Before the chat is closed, you will be reminded to reply to our messages to keep the chat.

Why can’t I send out a message?

Due to connection issues, your message may be pending to be sent. Please check if your network is working, and your message will be sent once reconnected. However, if the connection issue continues, please close the chat and start a new one.


Rewards Go!

What is “Rewards Go!”?

“Rewards Go!” allows you to browse our fabulous rewards at a glance. You can simply earn your rewards by participating in a variety of fun and simple missions in “Rewards Go!”. Please stay tuned for our latest rewards updates!

Where can I find “Rewards Go!” in inMotion?

You can access to “Rewards Go!” by clicking (i.) “Rewards Go!” icon under “My shortcut” in home screen or (ii.) or you can click “Rewards Go!” under side menu in the pre-login page.

Besides the above entry points, you can also access to “Rewards Go!” by clicking the “Rewards Go!” banner under “My Shortcut” in the post-login home screen.

Who can participate in the “Rewards Go!”?

CNCBI customers who are (i) holding at least one valid bank account and/or credit card account in good standing and (ii) a valid i-banking account can participate in the “Rewards Go!” after logging in to inMotion.

Why should I consent the Personalized Marketing Offer?

Your personalized mission(s) is/are designed with reference to your personal data, so we need your consent on the use of your personal data to provide you with relevant mission(s) and related information through inMotion.

Where can I change my personalized marketing offer preference?

You can simply log in to inMotion and click “Setting” → “Notification Preferences” → “Offer Preferences” → click the “Receive Personalized Marketing Offers” toggle button to adjust your setting.


Mission

What is a mission?

Mission usually refers to the promotional campaign or offer displayed under “Rewards Go!” You can check out your available missions under the Mission tab in “Rewards Go!” and enjoy fabulous rewards by completing various missions.

Will there be any new missions updated regularly?

New missions will be assigned to you on “Rewards Go!” regularly. Please login inMotion to check out the updates!

How can I participate the mission?

Simply click the respective action button and follow the steps to participate the mission. By participating the mission, you are deemed to have read and agreed to “Rewards Go!” terms and conditions to understand the completion requirements and other information.

Why do I have different missions from my friends?

The missions are personalized for you with reference to your personal data, so the missions assigned to you may be different from your friends’.

Why some missions are shown as locked?

Some missions will be unlocked only after the completion of respective prerequisite missions, therefore they will be shown as locked at first. Once you have finished the prerequisite missions, the locked missions will be unlocked and activated automatically.

What does the countdown timer indicate (e.g. 21 days to unlock)?

After you have completed prerequisite missions, the mission will be shown as “unlock in progress”. It indicates the day and time needed to unlock the mission.

Will the missions expire and where can I find the mission expiry date? (e.g. 90 days left)

Different missions have their own expiry dates. You can refer to the expiry date of a particular mission shown under the corresponding action button. The number of days left means the remaining time for you to complete the mission before your designated promotion period ends.

Why do I have different mission expiry date with others even the mission is the same?

Each mission carries an independent expiry date for each selected customer. Your mission promotion period therefore may be different from others.

After I completed the mission during the promotional period, can I do the same mission again?

No. After you have finished the mission, it will be marked as completed. You can find the completed missions in the “Completed or expired” section under the mission list.

Where can I find my completed or expired mission?

You can find the completed or expired mission under the “Completed or expired” section at the bottom of the mission list.


Rewards

Is there any rewards after completing a mission?

Different missions may have different rewards. For more details, please refer to respective mission description.

How can I collect rewards?

You can click <Collect $> button under each mission to collect rewards after mission completion.

Is there any due date for rewards collection?

You need to collect the rewards within 90 days after mission completion. Expired and uncollected rewards will deem to be forfeited and will not be reissued.

Where can I find the rewards collection due date?

After you have successfully completed the mission, the reward collection due date will be shown under the <Collect $> button.

How long will the cash rewards be credited to me after rewards collection?

After you have clicked the <Collect $> button, your rewards collection request will be processed and a “In progress” icon will be shown. If the reward is a cash rebate, it will be credited to your account within 14 working days. After the cash rebate is credited to your account successfully, a “Completed” icon will be shown. We will also notify you via in-app push notification and SMS notification regarding the cash rebate crediting status.

What is the prerequisite condition for cash rebate?

You must continue to maintain a valid i-banking account and account in good standing at the time the Rewards is credited, the account type includes (i.) Savings account; (ii.) Current account; (iii.) Credit card account. The cash rewards will be credited to your HKD sole name account of the Bank in the following sequence as determined by the Bank in our sole and absolute discretion without prior notice: (i.) Savings account; (ii.) Current account; (iii.) Credit card account.

Where can I check the previous reward collection status?

You can check your rewards collection records through “Your Rewards” in “Rewards Go!”.


Your Rewards & Rewards Notification

What is the difference between “Your Rewards” and “Rewards Notification”?

“Your Rewards” shows your entitled rewards after mission completion in “Rewards Go!” while “Reward Notification” shows the other updates from “Rewards Go!”, such as new missions’ notification, rewards notification, mission expiry reminder, rewards collection reminder, etc.

How long will the records be kept in “Your Rewards” and “Rewards Notification”?

The records of previous 6 months will be kept under ”Your Rewards” and “Rewards Notification”. Also, if the rewards is in the form of cash rebate, the credited cash rebate will be shown on the the eStatements of your respective account.

What kinds of notification will I receive for the Rewards Go!?

You will receive various in-app servicing push notifications and SMS notifications on mission completion, reward collection reminder, successful and/ or failed cash rebate, etc.

What should I do if I cannot receive SMS and push notifications about “Rewards Go!”?

For IOS users, please follow the steps below:

  1. Go to “Settings”
  2. Find and click “CNCBI”
  3. Click “Notifications”
  4. Turn on “Allow Notifications”

For AOS users, please follow the steps below:

  1. Go to “Settings”
  2. Click “Notifications”
  3. Find and click “CNCBI”
  4. Turn on “Allow Notifications”

What should I do if I do not want to receive promotional notifications from “Rewards Go!” anymore?

If you do not want to receive our promotional offers or missions in “Rewards Go!”, you can change via “Offers Preferences” from the setting for inMotion personalized marketing offers, or call (852) 2287 6767 to make relevant requests of other channels to the bank without charge at any time.


Add Money

What is “Add Money”?

The “Add Money” is a service that allows you to directly add money into CNCBI from your account at other banks via inMotion, without switching between different bank Apps.

Once you have successfully linked your other bank account by setting up Electronic Direct Debit Authorization via inMotion, you may add money to your CNCBI account anytime anywhere.

Please note that the debit account holder name, identity document number and mobile number at the selected bank has to be the same as registered with our bank.

Is there any charge for using “Add Money” service?

It is free of charge for you to add money to CNCBI account from your other bank account.

When you add money, please ensure you have sufficient funds in the debit account to avoid unsuccessful transaction and extra fees charged by other bank due to insufficient balance.

What can I do if I cannot find my other local bank from selection list when I am linking new account?

If the bank you want to use as debit bank is not in the bank selection list, you may add money to CNCBI via other add money methods. We will continue to strive to expand the "Add Money” service to support more banks.

Is there any other method to add money to CNCBI account?

There are several ways for you to add money to your CNCBI account. Except using the “Add Money” service, you may also register FPS with us to receive money or transfer to CNCBI by using account number.

  1. Via FPS
    • Register FPS Addressing Service with us
    • Log in your other bank’s App , transfer funds using the registered mobile number / email address / FPSID, and specify the receiving bank: 018 CHINA CITIC BANK INTERNATIONAL LIMITED
  2. Via Account Number
    • Copy your CNCBI account number
    • Log in your other bank’s App, transfer funds to your CNCBI account number

Is there any daily transfer limit for “Add Money” service?

You may set the maximum daily limit for each bank account when you link it as new account. Please note that we may have set different maximum daily limits for different banks.

What is the minimum transaction amount for “Add Money” service?

The minimum transaction amount for “Add Money” service is HKD/CNY 100.00.

Can I link my other bank account with more than one CNCBI accounts?

You can link your other bank account with only one of your CNCBI accounts in same currency. If you would like to use another CNCBI account to receive funds, please unlink the existing linked account and register again.

If your other bank account is an integrated account, you may link the account to your HKD and CNY CNCBI accounts respectively.


Open API

What is Open API?

Application programming interface (API) is a computer programming approach for facilitating exchange of information and executing instructions between different computer systems. Open APIs refer to APIs that allow third party access to systems of an organization. You may click here to watch a video provided by HKMA of how customers use banking services on websites or applications of TSP via Open API (Chinese version only).