Use Case
The Interbank Account Data Sharing ("IADS") initiative formulated by the Hong Kong Monetary Authority allow you to securely and efficiently share your bank account data with other selected banks subject to your consent.
We have launched two services to all inMotion and bank users:
(1). Consolidated Account Views service, which allows you to view all connected bank accounts’ information after granting consents via inMotion.
(2). Streamlined Credit Application service, which allows us to access your account information from other bank(s), in order to streamline our credit analysis to assess your credit card, personal loan and SME business loan application.
How to use Consolidated Account Views service?
- 1 After logged in to inMotion, click “Start IADS” at inMotion dashboard
- 2 Click “Grant/Manage Prescribed Consent” and select “Create”
- 3 Select the bank you want to connect with and you will be redirected to the other bank’s platform to complete consent granting
- 4 After granting consent for all your selected banks, you may click “Confirm” and return to inMotion
- 5 You may now check the Consolidated Account Views on inMotion!
How to use Streamlined Credit Application service (individual customers)
- 1 In Document Upload page, click on "Activate"
- 2 Click “Grant/Manage Prescribed Consent” and select “Create”
- 3 Select the bank you want to connect with and you will be redirected to the other bank’s platform to complete consent granting. Please select payroll account for income proof
- 4 After granting consent for all your selected banks, you may click “Confirm” and return to inMotion
- 5 After granting consent, you can continue your application on inMotion without uploading income proof!
Frequently Asked Questions for Interbank Account Data Sharing (IADS)
Can I add or remove bank connection?
You can use the “Manage your consents” button at bottom of the consolidated view page and refer to step 2-3 above on managing consents. (Not applicabe to SME Business Loan application)
I cannot find the bank I want to connect with. Why?
Only those banks that support IADS and have completed connection set up with CNCBI will be available for you to connect with.
You can see the latest list of the available banks in inMotion (for individual customers only) or contact our customer service hotline.
I cannot login to the other selected bank that I want to connect with. What should I do?
Please contact the other selected bank for assistance.
Frequently Asked Questions for Consolidated Account Views
I cannot see my other selected bank’s account information even I completed the consent granting. Why?
This could be caused by multiple reasons, including you have used different identity numbers to open accounts or there is technical issue from other selected banks. You may contact the other selected bank for assistance or retry by granting a new consent.
What if the other selected bank’s information shown on inMotion does not match with the record at the other selected bank’s platform?
The other selected bank’s information shown on inMotion is for reference only, the Bank assumes no responsibility for its accuracy. In the case of any inconsistency between the records shown on inMotion and the other selected bank, the record at the other selected bank shall prevail.
How far back can I view the transaction history of my connected banks’ accounts?
You can view your transaction records for up to 60 days.
Can I connect other selected banks from internet banking?
You can only connect other selected banks via inMotion.
Frequently Asked Questions for Streamlined Credit Application service for individual customers
How does IADS streamline my credit application?
You can share us your payroll account information in other banks to replace income proof upload. During credit approval process, we may ask you to provide additional income proof documents based on the actual situation.
Can I connect other selected banks from internet banking?
You can use the service on inMotion and internet banking.
Frequently Asked Questions for SME Business Loan Application
How can I grant consent to Bank for sharing my data?
Applicants of SME Business Loan can enroll the IADS service and grant consent via the online application platform. Upon passing through the initial loan amount evaluation, you can activate the IADS service under the "Upload Documents" section. You will then be redirected to a third-party platform for granting IADS consent.
How can I add/revoke bank connection?
You can manage your bank connection setting in IADS platform. To access the IADS platform, please follow below steps:
1. Login the online application platform of SME Business Loan
2. Go to the "Upload Documents" section
3. Click "Manage consent(s)" button
You will then be redirected to the third-party IADS platform to manage the current connection.
CNCBI has published a list of our partnering third-party service providers (TSPs) on CNCBI Open API Portal. You may refer to the list to find out which TSPs are partnering with CNCBI and what products and services are offered in the partnership with a particular TSP.
You are advised to be aware of any third party service providers’ requests to acquire or collect your personal data, for example, your contact information or other account information. You should always consider the purpose and scope of data collection as well as the associated risks before granting consents to the third party service providers to avoid related risks, such as data leakage or being stolen. 
You are advised to be vigilant to bogus calls or other similar scams. There will be notification to you or the public whenever CNCBI or the partnering TSP becomes aware of such scams. Whenever you are in doubt about a call, an email or other message; you may first authenticate the identity of the callers or senders who purport to be CNCBI’s representatives using CNCBI’s dedicated hotlines which can be found by clicking here or at the HKMA’s website.
