Proudly Presents the Chip-based Dual Currency ATM Card.

The newly launched chip-basedDual Currency UnionPay ATM Card ("ATM Card") offers you greater security on cash withdrawal and payment services, together with our extensive ATM network, enabling you to enjoy convenient cross-border financial services.

• Dual Currency Settlement Allows Savings on Currency Conversion Costs
• Preferential Handling Fee
• Direct Debit Payment Worldwide Offers Spending Convenience
• Extensive ATM Networks
• Extra Convenience through Auto-transfer among Accounts
• Comprehensive Banking Service for Greater Financial Convenience
• Notice of Enhanced Security Measures for Automatic Teller Machine ("ATM") Services outside Hong Kong
• Activation Steps of outside Hong Kong ATM Cash Withdrawals Limit
• For ATM Card Transaction Dispute and Refund Mechanism Issue
• Enhancement on Protection of ATM Card

Dual Currency Settlement Allows Savings on Currency Conversion Costs

For cash withdrawal and spending transactions conducted through thenetwork, the transactions conducted in Hong Kong and overseas will be settled in Hong Kong Dollar whereas those transactions conducted in the Mainland will be settled in RMB¹，saving your currency conversion cost.

Preferential Handling Fee

Cash withdrawal transactions through 《UnionPay》 network can be conducted in the Mainland and overseas. For details of handling fee², please refer to "General Banking Services Charges".

Direct Debit Payment Worldwide Offers Spending Convenience

You can enjoy the spending spree and make purchase by directly debiting from your bank account at merchant outlets marked with logo in Hong Kong, and over 5,000,000 merchant outlets marked with logo around the world.

Extensive ATM Networks

You can enjoy convenient cash withdrawal services in the Mainland, Hong Kong, Macau and overseas via ATMs over 1,600 ATMs marked with ³, and over 1,000,000 ATMs worldwide marked with^{4, 5}.

Please note:

The ATM daily cash withdrawal limit for all ATM Cards in different ATM network outside Hong Kong is amended to comply with requirements by the Hong Kong Monetary Authority with immediate effect. You are required to activate the ATM cash withdrawal function⁶ in advance by setting the daily withdrawal limit and validity period through the relevant designated channels (including Internet Banking, Mobile Banking, ATMs with logo or the 24-hour ATM Service Hotline) to continue enjoying cash withdrawal service outside Hong Kong.

Extra Convenience through Auto-transfer among Accounts

You can enjoy greater flexibility by activating your "Auto-transfer Service" among accounts linked to your ATM Card. Whenever you withdraw cash or spend with your ATM Card through the network, the transaction amount will be directly debited from your other account linked to your ATM Card if the outstanding balance of your transaction account is not sufficient.

Comprehensive Banking Service for Greater Financial Convenience

• You can enjoy unparalleled convenience at Cheque Deposit Machine⁷ and HKD/RMB Cash Deposit Machine⁸ at Chiyu Bank anytime.

• You can pay bills via ATMs marked with logo, or by registering for the payment service at the terminals displaying  logo.

For ATM Card Transaction Dispute and Refund Mechanism Issue

For ATM card transaction dispute and refund mechanism issue, please click here.

Enhancement on Protection of ATM Card

Block/Unblock ATM Card: If you are not sure whether you have lost your ATM Card, you can immediately through our bank’s Personal Mobile Banking, Personal Internet Banking, by calling our 24-hour ATM Card Service Hotline at (852)2232 3233 or in person at any of our branches to block your ATM Card. You can unblock the ATM Card through any of the above channels until you think it is safe.

The daily limit for ATM Card POS transaction and transfer to other accounts: The daily limit for transfer to other accounts not registered under the ATM Card in same currency and “EPS” or “UnionPay” POS transaction is preset at HKD/RMB 50,000. You can amend your daily limit through Personal Mobile Banking, Personal Internet Banking, by calling our 24-hour ATM Card Service Hotline at (852)2232 3233 or in person at any of our branches, the daily limit is HKD/RMB 0 to 50,000.

24-hour ATM Service Hotline：(852) 2232 3233

Remarks：

1. Both HKD and RMB accounts are required to be linked to your ATM Card for Dual Currency Settlement. Account selection is not available at some ATMs and point-of-sale. If there are only RMB or HKD accounts linked to your ATM Card and Auto-transfer Service is not activated, the 1^st account in the card will automatically become your settlement account.
2. Depends on the currency of the transaction account.
3. The minimum cash withdrawal amount is HKD300 for ATM of JETCO.
4. Customers who withdraw cash by using ATM Card via ATM network other than those of Chiyu Bank and JETCO in Hong Kong or via ATM network through JETCO or UnionPay outside Hong Kong, will be subject to handling fee and the terms and conditions stipulated by the relevant banks and network provider(s).
5. For cash withdrawal involving RMB exchange, the maximum amount is RMB20,000 per transaction.
6. Activation is not required for cash withdrawal transactions performed at some ATMs marked with “JETCO” Logo in the Mainland and Macau.
7. Apply for Cheque of HKD, RMB and USD.
8. The daily maximum cash deposit amount are HKD100,000 and RMB20,000 respectively.

Risk Disclosure：

1. RMB investments are subjects to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.
2. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.