What is "Remote Account Opening Service"?
"Remote Account Opening" allows you set up your savings and time deposit accounts through “BOCOM(HK) Mobile Banking” App without coming to our outlets. The set-up process is fast and simple, allowing you to open your accounts anytime and anywhere.

I have already held a Bank of Communications deposit account, can I set up accounts through Remote Account Opening Service?
Applicants cannot possess any deposit accounts of our bank before the remote account opening. If you’ve already held one, you can open other accounts through Internet Banking or at our outlets.

Am I eligible to open an account through Remote Account Opening Service?
You are eligible when you meet ALL of the following criteria:

• New customer or do not possess any deposit accounts of our bank;
• A holder of effective Hong Kong Permanent Identity Card/Hong Kong Identity Card;
• Have never changed your name;
• 18 years old or above;

If you do not satisfy any criteria mentioned above, you can visit any of our outlets to open your accounts.

Can I apply through Remote Account Opening Service if I am not a Hong Kong Permanent Resident?
Yes, but you need to provide us with your nationality proof, such as passport cover and the front of data page or other forms of travel documents.

Is there any charge for application made through Remote Account Opening Service?
It is free of charge. Click to know more about other services' charges.

What kind of accounts can I open?
You can open savings deposit and time deposit accounts. Please be reminded that you cannot open current account through the service. You need to visit our outlets to submit your signature for it.

How can I get the "Remote Account Opening Service" through my mobile device?
Download the latest “BOCOM(HK) Mobile Banking” App and click "Remote Account Opening" button on the main page, then click "New Application" after you read through the service introduction.
Please ensure your mobile device is equipped with front and back-facing cameras, and a gyroscope in order to complete the identity verification.

Why do I have to take a photo of my HKID card from 3 different angles?
This allows us to validate your HKID card so that you don't have to visit our outlets to verify your identity in person. Please make sure your HKID image is completely captured, legible, and not blocked by glare or shadow.

Why do I need to make designated facial expression when selfie?
This helps us to verify whether you are a living body and is the HKID's holder so that you can complete your identity verification without coming to our outlets.

Why did my identity verification fail and I need to complete account opening procedures at outlets?
Our bank adopts a rigorous detect technology. A number of factors, including the environment when you capture your HKID, strong glare, scratches or wear and tear on your HKID, can affect the accuracy when the system verifies and compares your HKID image and selfie. We also suggest you to exaggerate your facial expression and make sure the front lens of your device is at horizontal level with your front face. If you still fail, please visit any of our outlets for opening account.

Is it secure to open accounts through Remote Account Opening Service?
Yes. Data security is our top and the priority security issue. All the information you provide, including your HKID photos, selfies and personal information, will be encrypted throughout the transmission.

If I close the App during my application, can I resume it?
Your information will be stored automatically after HKID information is confirmed (i.e. proceed to step of Personal Information page). The application can be resumed within 7 days. After 7 days of your application, such application will be cancelled and you need to submit your application again.

How to resume application?
Open “BOCOM(HK) Mobile Banking” App, and click "Remote Account Opening" button on the main page, then click "Resume Application" to complete the application by using the same mobile device and mobile number that you first make the application.

Can I use other mobile devices to resume application?
No, you must use the same device that used to make your application.

How do I know if the application is submitted successfully?
After you successfully submitting the application, you will receive an email and SMS notice.

What should I do if I receive Information supplement notification from the Bank?
You need to provide related document(s) and/ or information stated on the email within 7 days from the issuance of the email via “Resume Application” function and submit the application again. Otherwise, the saved application will be cancelled.

How do I know if my accounts are opened successfully?
In general, our bank will review your application and notify you with your account opening status by email and SMS within 2 working days (excluding Saturday, Sunday and public holidays).

How soon until I can use my account?
As soon as your accounts are successfully set up, you can start depositing money.

I apply ATM card when I make the account opening application. Can I use it once I receive the card?
No. You need to set up your ATM card password at our outlets after you receive it, since the application is not supported for the ATM PIN setting.

How can I enter my Referrer’s Referral Code or Merchant Promotion Code?
Customers can enter Referrer’s Referral Code or Merchant Promotion Code in the Information Confirmation Page after completing Identity Verification of their Remote Account Opening applications. For related service demonstration, please Click Here.

After successful account opening in Mobile Banking, how can I apply for an Investment account?
After successful account opening, you can login Internet Banking, and click “Customer Services” on the main page, then click “Open Account” to continue the application for opening the folowing Investment account:

• Securities Account
• Investment Funds Account
• Debt Instrument Account
• Equity-linked Investments Account
• Precious Metals And FX Margin Trading Account

• Address proof
• Employer's consent letter (if you are an employee to a person licensed by or registered with the Securities and Futures Commission of Hong Kong )