Scope of ATM Card Services

ATM Services

	Cash withdrawals
	You can withdraw cash from your primary account^/designated account^ using a JETCO, UnionPay, or PLUS ATM, subject to a limit of HK$20,000 or its equivalent per card per calendar day.
	Transfers
	You can transfer any amount of funds between your primary account and any of your designated accounts using a JETCO ATM. You can transfer funds from your primary account/designated account to other accounts held at BEA using a JETCO ATM, subject to a limit of HK$50,000 per card per calendar day. You can transfer funds from your primary account/designated account to accounts held at other participating JETCO member banks using any ATM displaying the Interbank Transfer symbol, subject to a limit of HK$15,000 per card per calendar day. You can also transfer funds from accounts held at participating JETCO member banks to your primary account/designated account, subject to a deposit limit of HK$50,000 per account per calendar day.
	JET PAYMENT
	You can make the following payments at any ATM displaying the JET PAYMENT symbol without prior registration:
	Bill payments -- Pay various telecommunication, government, utility, insurance, and educational bills. Credit card payments -- Settle the balances of credit cards issued by other JETCO member banks. Charitable donations -- Make donations to various charitable organisations. The combined limit for JET PAYMENT, PPS, and JETCO POS is HK$100,000 per card per calendar day.
	Deposits (available at BEA branch ATMs only)
	You can deposit HKD notes/cheques to your primary account/designated account at any BEA branch ATM (coins and foreign currency notes/cheques not accepted).
	Balance enquiries
	You can enquire about the balance of your primary account/designated account using:
	JETCO, UnionPay or PLUS ATMs -- If you enquire about the balance of your account using a UnionPay or PLUS ATM, the balance amount will be shown in its equivalent in the relevant local currency. Various interactive channels provided by the Hong Kong Jockey Club ("HKJC")*, including Customer Input Terminals, Mobile Betting Services, and the Online Betting Service.
	Mandatory Provident Fund ("MPF")
	If you are a BEA MPF customer, you can use the following services at  any BEA ATM without prior registration:
	Fund balance enquiry* Last contribution enquiry* Contribution payment to the Casual Employees of Industry Scheme
	Statement/cheque book requests
	You can request a HKD current account/multi-currency statement savings account statement or a HKD cheque book using any BEA/JETCO ATM. The statement/cheque book will be mailed to your address on record at BEA. If you request a cheque book using a BEA ATM, you can choose to have the cheque book delivered by ordinary mail (postage waived) or by registered mail (charge applies). However, if you request a cheque book using an ATM operated by another JETCO member bank, the cheque book will automatically be sent to you by ordinary mail. The service charge for a statement/cheque book delivered by registered mail will be debited from your transacting account.
	Change of personal identification number ("PIN")
	You can change the 6-digit PIN by accessing your primary account at any JETCO ATM.
	Change of display language (available at BEA ATMs only)
	You can change your ATM display language to Chinese or English by accessing your primary account at any BEA ATM.

Transfer payments

	EPS
	You can make payments without carrying cash at shops displaying the EPS symbol. You can transfer funds from your primary account/designated account to any HKJC Telebet account using various interactive channels provided by the HKJC*. The combined limit for EPS services and UnionPay POS is HK$50,000 per card per calendar day.
	UnionPay POS
	You can make payments at shops worldwide displaying the UnionPay symbol. The combined limit for EPS services and UnionPay POS is HK$50,000 per card per calendar day.
	PPS
	You can settle various bills via PPS. The combined limit for JET PAYMENT, PPS, and JETCO POS is HK$100,000 per card per calendar day.
	JETCO POS
	You can make direct payments at merchant locations displaying the JETCO logo in Macau. The combined limit for JET PAYMENT, PPS, and JETCO POS is HK$100,000 per card per calendar day.

Transfer deposits*

You can transfer funds from your Telebet account to your primary account/designated account using various interactive channels provided by the HKJC, subject to a limit of HK$50,000 per calendar day, and provided that the transferee's account number is registered in the HKJC's system. The amount transferred will be credited immediately.

Overview

		Obtain cash, transfer funds, make account balance enquiries, and change your 6-digit PIN at any ATM displaying this symbol in Hong Kong, Mainland China, and Macau.
		Obtain cash and make account balance enquiries at any ATM or make direct payments using any POS terminal displaying this symbol around the world.
		Pay a variety of bills and make charitable donations without prior registration at any ATM displaying this symbol.
		Make MPF contribution payments to the Casual Employees of Industry Scheme, and enquire about fund balances and recent contributions at any BEA ATM without prior registration*.
		Make direct payments via the EPS system in Hong Kong, Macau, and Shenzhen. You can also transfer funds to/from your Telebet account at the HKJC*.
		Obtain cash and make account balance enquiries at any ATM displaying this symbol around the world.
		Transfer funds from any BEA accounts for which you have an ATM card to accounts held at other participating JETCO member banks at any ATM displaying this symbol.

^ Primary account refers to the account of your ATM card while designated account refers to any other BEA account for which you have an ATM card.
* Not applicable to ATM cards in a company's name.

Interbank transfer disclaimer:

The customer's account will be debited on BEA's receipt of the interbank transfer request. The receiving bank may credit received funds to the payee's account at a different time and BEA is not responsible as to when the transferred funds will actually be credited to the payee's account. BEA is not responsible under any circumstances to recover any amount paid to the receiving banks and is not responsible if any receiving bank fails for any reason to pay the transferee. The customer acknowledges that fund transfers to third party accounts involve risks, for example, payments to unauthorised third party accounts. If a receiving bank is in default of the interbank settlement before the customer's payment has been made, the payment will not be completed and the debit entry in the customer's account will be reversed accordingly. When funds are received through an ATM from the paying bank for the customer's account, BEA will credit the funds to the customer's account in accordance with BEA's existing practice. BEA reserves the right at any time to reverse any credit to the customer's account if the paying bank fails for any reason to make payment to BEA.

Notes for all ATM card customers:

All ATM card services specified herein apply to Hong Kong dollar deposits. Customers with Chinese yuan ("CNY") deposits in a multi-currency statement savings account can access CNY cash withdrawal and balance enquiry services at selected BEA ATMs in Hong Kong. A minimum cash withdrawal of HK$300 is required at ATMs operated by other JETCO member banks in Hong Kong. This minimum requirement does not apply to the ATMs operated by BEA. If an annual fee will be levied, it will be automatically debited from your primary or designated account according to the ATM card type. BEA will inform you of the card fee due date one month in advance via BEA ATM on-screen message. The services and networks mentioned above may not be applicable to some ATM card types. Please visit any BEA branch or call the ATM Card Service Hotline on (852) 2211 1818 for details. If your ATM card is lost or stolen, please inform us at any BEA branch immediately or call the following hotline for assistance: • 2211 1818 (during office hours) • 2211 1862 (during non-office hours) For updated security tips from BEA, please visit www.hkbea.com/atmsecuritytips.html.

Notes for China Union Pay Debit Card customers:

When performing transactions at any UnionPay ATM or UnionPay POS terminal, your primary account will be the transacting account.

Notes for Cyberbanking Card and Cyberbanking Renminbi Card customers:

A Cyberbanking Account is not a bank account. The bank deposit account linked to your Cyberbanking Card or Cyberbanking Renminbi Card should be selected as the transaction account for all ATM card services specified herein, except changing your PIN/display language. If your Cyberbanking Account is a new account, you should re-register for PPS with the designated account linked to your new Cyberbanking Card.  For the Cyberbanking Renminbi Card, transactions including withdrawals, balance enquiries via UnionPay ATMs, and direct payments via UnionPay POS terminals are available in Mainland China only.

Notes for FastCash Card customers:

The scope of service for FastCash Card includes cash withdrawal and change of PIN. The available balance of your account will be shown onscreen when you withdraw cash at a JETCO ATM. The onscreen instructions are in Chinese only. The minimum cash withdrawal of HK$300 at ATMs operated by other JETCO member banks in Hong Kong is not applicable for FashCash Card customers