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Electronic Bill Presentment and Payment ("EBPP") Services

With effect from Sep 1, 2015, customers will be able to register via Internet banking for the EBPP service for the bills issued by Water Supplies Department, Rating and Valuation Department and other merchants to receive, manage and pay different e-bills through a one-stop platform.

BOCOM Account (Mainland) Fund Transfer Services

With effect from Aug 10, 2015, customers will be able to remit Renminbi Remittance to their pre-registered Pacific Debit Card account . The function is only applicable for Hong Kong residents and each of the transaction fee is RMB 80. For remittance in HKD and USD, customers must register an English address with the Bank.

Fund Transfer to BOCOM Account (Mainland)

For transferring funds to our account (Mainland), the maximum daily accumulated limit for each beneficiary is USD 40,000 or equivalent, and maximum monthly accumulated limit for each beneficiary is USD 200,000 or equivalent.

Electronic Bill Presentment and Payment (“EBPP”) Services

Our bank strives to provide high quality and all-rounded internet banking services. We provide a comprehensive array of EBPP services to our customers, merchants and charitable bodies alike through the platform provided by Hong Kong Interbank Clearing Limited. Catering to the needs of bill presentment and payment for all kinds of customers & merchants.

EBPP Customer Services
An advanced electronic platform allows customers with more flexible and coherent payment service:

  • Customers can firstly register with the merchants via internet banking and receive e-bills from registered merchants. Then, customers can make payment through EBPP platform in accordance with the e-bills received by them. All payments can be traced with corresponding e-bills, preventing any missing, duplicated and wrong payments.
  • Charity donation can be made via internet banking. Customers can request charitable bodies to issue donation e-receipt and review it online at any time through the EBPP platform. Hence, the whole process would be more efficient and convenient.

EBPP Services Demo

EBPP Services Brochure

EBPP Customer Terms and Conditions

Online Fund service is now available, you can place investment fund order through our Internet Banking service. Enjoy the advantages of online investment fund trading.

Risk Disclosure Statement : 1.Investors should note that all investment involves risks. Prices of fund units may go up as well as down and may even become valueless. The past performance is not indicative of future performance. Investors should read carefully the offering documents and the relevant Risk Disclosure Statement of the relevant fund before making any investment decision. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances and should seek independent professional advice if necessary. 2.This is a structured product that may involve derivatives. The investment decision is yours but you should not invest in the "Investment Fund" unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investment involves risk, and the offering document should be read for further details.


With effect from Oct 20, 2012, the Two-factor Authentication setting of bill payment merchants on our Internet Banking will be revised. For details...   

With effective from 31 October 2011, "SMS One-time Password"and SMS for "Notification of Execution of Designated Transactions" issued by our bank will be sent to your registered mobile phone number only. These two types of SMS will not be forwarded to other phone number even though you have activated "SMS Forwarding" service provided by mobile telephone companies in Hong Kong.

Bank of Communications strives to provide comprehensive and premium internet banking services to our customers. From 13 Nov 2011, you will be required to use User Name to login to our "Internet Banking" Service and/or "Securities Trading" Service. Upon successful login, you can use both our "Internet Banking" Service and/or "Securities Trading" Service. The User Name registration is easy and convenient, please login to Bank of Communications Internet banking to enjoy our services now. For details...

New Services

Securities e-Statement Service  

Go paperless with e-Statement and save the earth by one click,

  • Care the Earth- Support the environment and use less paper
  • Greater Convenience- Send directly to your designated Internet Banking mailbox, much faster than by post
  • Save your Space- All Securities e-Statement will be retained for 12 months from the mailing date. Simply download your e-Statement for save-keeping and future use.

Instant Fund Transfer to Mainland China

Now, simply just registered the saving/ time deposit account(s) of “Pacific Debit Card” of mainland branches of Bank of Communications under Internet Banking, you can enquire the mainland account balance and transaction record1 via Internet Banking. You can also make instant fund transfer2 to your saving account(s) of “Pacific Debit Card”. So, you can enjoy the convenience to manage your capital between Hong Kong and China! 

Pre-setting the Transfer “Instructions”

You can schedule, as you preferred, instruction(s) for transferring to registered beneficiary account(s) of our Bank or local banks via Internet Banking at any time. You can manage your cash flow by scheduling the transfer on weekly-basis or monthly-basis according to your plan. We also provide SMS Alert services to let you know the execution status of the instruction(s) for peace of mind.

Loan Account e-Statement

You can now enquire Annual Statement of Instalment Loan Account and Change of Interest Rate Advice via Internet Banking. You can enquire online anytime and manage your wealth conveniently.

Stop Cheque Payment

Simply use our Internet Banking, you may stop your cheque payment issued by our bank without queuing up at our branch/sub-branches. Let you manage your time more efficiently.

New SMS Alert Services

Once your Online Insurance Application4 or any scheduled instruction5 is successfully executed, the registered mobile phone number will receive a SMS alert message. You can be reminded anytime, anywhere so that you can manage your wealth more easily. Act Now! Simply visit our branch/sub-branches to apply the services!

“Deposit EXTRA” Investment Deposit3

This is a currency-linked fixed deposit that may give you a more attractive interest return than the traditional time deposit. It is a combination of traditional time deposit and currency option. Now, you can place the “Deposit EXTRA” Investment Deposit via Internet Banking to let you capture investment opportunity!

Cross Currency Combination for Foreign Exchange

The enhanced Foreign Exchange function offer 10 sets of cross currency combinations for you to gain vantage and grasp every investment opportunity through internet at any time.

MPF Services

To provide you with a one-stop Internet Banking services, MPF Services have been added in Internet Banking. From now on, if you have a Bank of Communications MPF account, you may enquire the Contribution record, Account Balance, Investment Choice of New Contribution and Fund Information. With a clearer understanding of Fund Distribution, you can plan for peace of mind more easily.



1.    Transaction records of Pacific Debit Card's Renminbi Account (Reservation Fund) for last 2 trading days can be viewed.
2.    Only Transfer in HKD and USD is accepted.
3.    "Deposit EXTRA" is not principal-protected and is not equivalent to a time deposit.  The principal of and the interest on “Deposit EXTRA” is subject to downward adjustment by reference to the exchange rate of the relevant currency pair or may be repaid in a different currency.  The total return on the “Deposit EXTRA” may be negative when measured in terms of the Deposit Currency, and depending on the particular terms of a “Deposit EXTRA”, the value of the principal of and the interest on the deposit repayable on the maturity date can be significantly less than the principal amount of the deposit in the event of an adverse movement in the relevant exchange rate.  In the worst case scenario, investors may lose some or all their investment.  “Deposit EXTRA” is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The repayment of "Deposit EXTRA" is not guaranteed by the Hong Kong SAR Government's Exchange Fund. If you have any concerns about this product, you should consult our professional financial advisers.
4.    Insurance Plan includes Single Trip Travel Insurance, Annual Cover Travel Insurance, Medical Card, Home Insurance & Helper Insurance.
5.    Pre-defined Instruction includes Pre-defined Bill Payment Instruction (while Merchant category is not banking and credit card services, credit services or securities brokers), Limit/Circular Order of Foreign Exchange & One-off/Recurring Instruction for fund transfer.

Risk Disclosure Statement
”Deposit EXTRA”  is a structured product involving derivatives.  The investment decision is yours but you should not invest in the "Deposit Extra" unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.

It is important to understand that investment involves risk. Investment product is not equivalent to a time deposit. The price of investment products may move up or down and may become valueless. Investors should read the relevant offering documents and should not invest based on the information shown on this website alone, and should carefully consider their own financial position, investment objectives, and risk appetite and other relevant factors before making any investment decision.  Investors should seek independent financial and legal advice wherever necessary.