Do not keep the PIN issued by the Bank together with your ATM Card.
Change your PIN immediately when using your ATM Card for the first time and destroy any documents containing PIN information.
Do not write down your PIN. You should memorise it.
Do not send your PIN via email/SMS and never use the same PIN to access other services.
Do not write down your PIN on the card face and do not disclose your PIN to anyone including any joint account holder.
Do not, under any circumstances, disclose your PIN to anyone who claims to represent the Bank or who claims to be the Bank's employee or other authorised person, or the police. It is not necessary for anyone to know your PIN. The Bank will never ask for your PIN by any means such as email, SMS, phone, or any other method etc.
Do not use combinations that are readily accessible/deducible such as your identity card number, telephone number, date of birth, driver's licence number or any popular number sequence (such as 987654 or 123456) for your PIN. Avoid using the same digit consecutively or the same sequence of numbers more than twice (such as 112233 or 383838) as a PIN.
For security reasons, change your PIN regularly.
If you enter an incorrect PIN several times (five times) consecutively, the related service will be suspended. Please reset your PIN in BEA Mobile or at any BEA branch to resume the service.
Be alert to your surroundings before conducting any banking transactions. Make sure no one sees your PIN and cover the keypad when you enter your PIN on any device, such as an ATM or other self-service terminal.
Check that the protective keypad cover is intact before using any ATM in Hong Kong. If in doubt, please notify the bank concerned immediately.
Should you notice any suspicious devices at any ATM (such as micro-skimmers, pin-hole cameras, or fake key pads) or any suspicious activities around you when performing an ATM transaction, cancel your transaction immediately and inform the Bank.
When you have completed your ATM transaction, please retrieve your ATM Card as instructed on the ATM. Never try pushing your card back into the ATM.
Remember to take your cash and ATM Card after each ATM cash withdrawal.
Count the banknotes immediately after each cash withdrawal. Keep all transaction receipts and check them against your account records.
Do not take away any banknotes at the cash dispenser or ATM card at the card insertion slot left behind by someone else. Let the banknotes or ATM card return to the ATM automatically.
Do not request someone else to perform ATM or EPS transactions for you.
Do not accept assistance from strangers. If you encounter any problems at the ATM, contact the Bank directly.
If you intend to withdraw cash at overseas ATMs, you should activate the overseas ATM cash withdrawal function in advance and set a prudent overseas ATM cash withdrawal limit and an activation period. You may also check with the bank in advance whether your ATM card can be used to withdraw cash at your intended overseas destination.
Check your bank balance and transaction history regularly. Contact the Bank immediately of any actual or suspected unauthorised use of your ATM Card and/or PIN.
If your ATM card/PIN is lost or stolen or if someone else learns your PIN, please inform us immediately by visiting any BEA branch, logging in to BEA Online, or calling our hotline:
(852) 2211 1818 (during office hours)
(852) 2211 1862 (during non-office hours) Note: Cardholders may be liable if loss is caused by their failure to follow the safeguards or meet their obligations as set out above.
For more information on how to ensure your safety when using ATM services, please visit the website of:
