1. Introduction of Wing Hang Internet Banking Services
2. Transaction Status Enquiry
3. Account Enquiry
4. Fund Transfer
5. Foreign Currency & Gold Buy / Sell Order
6. Time Deposit
7. Remittance
8. Cheque Services
9. Requisition
10. Other Services
11. System Requirement
12. Security
   

 

1. Introduction of Wing Hang Internet Banking Services
Q: What is Wing Hang Internet Banking Services?
A:

Wing Hang Internet Banking Services allows you to perform banking transactions and access information using Internet.

With Wing Hang Internet Banking Services, you can manage your personal financial services such as account enquiry and fund transfer at anytime, anywhere and anyhow.

 
 
Q: What are the banking services that are available through Wing Hang Internet Banking Services?
A:

You can manage your accounts with the following banking services through Wing Hang Internet Banking Services:

Transaction Status Enquiry
Account Enquiry
Fund Transfer
Credit Card Payment
Foreign Currency & Gold Buy / Sell Order
Bill Payment
Time Deposit (Enquiry, Setup, Renewal and Withdrawal, Change of Maturity Instruction)
Rate Enquiry (Deposit Rates, Exchange Rates and Gold Prices)
Remittance (Telegraphic Transfer)
Cheque Services (Report lost cheque and Cheque Status Enquiry)
Other Services (Change of User ID and PIN)
Requisition (Cheque Book, Statement)
 
 
Q: How can I apply for Wing Hang Internet Banking Services?
A:

You can visit any of our branches to apply.

Also, you may contact our customer Service at 2832 2222 for details.
 
 
Q: What are the Service Hours and Cut-off Time of Wing Hang Internet Banking Services?
A:
Service Type Service Hours Cut-off Time

General Banking Services

  • Fund Transfer
  • Account Enquiry
  • Rate Enquiry
  • Cheque Book Requisition
  • Account Statement Requisition
 24 hours 20:00
Bill Payment / Credit Card Payment 24 hours 20:00
Time Deposit Mon - Fri: 9:00 - 20:00 20:00
Cheque Status Enquiry / Report Lost Cheque Mon - Sun: 8:00 - 20:00 20:00
Foreign Exchange Mon - Fri: 9:00 - 2:30 / [3:30]*
Sat: 9:00 - 13:00 noon
*New York Winter Time		 20:00
Gold Trading Mon - Fri: 9:30 - 2:30 / [3:30]*
Sat: 9:00 - 12:00 noon
*New York Winter Time		 20:00
Renminbi Services Mon - Fri: 9:00 - 17:30 17:30
FCY & Gold Buy / Sell Order Mon - Fri: 9:30 - 2:30 / [3:30]* 20:00
Remittance Services 24 hours Remittance instruction submitted before 14:30 on Mon~Fri or 10:00 on Sat will be processed on the same day. Otherwise, it will be processed on the next business day.
Note: 
Exchange transaction of MOP/RMB can be performed from 9:00 to 17:30 on Mon. to Fri.
*New York Winter Time
 
2. Transaction Status Enquiry
Q: How can I enquire the approval status of submitted instruction?
A: You can enquire the approval status of submitted instruction by accessing the "Pending Instruction Enquiry".
 
 
Q: How can I enquire the details of submitted forward date instruction?
A: You can enquire the details of submitted forward date instruction by accessing the "Forward Date Instruction".
 
 
Q: How can I enquire the result of submitted forward date instruction?
A: You can enquire the result of submitted forward date instruction by accessing the "Message Box" and "Forward Date Instruction".
 
 
3. Account Enquiry
Q: How can I check the balances of my all registered accounts?
A: You can enquire all your registered accounts balance details by clicking the "Account Enquiry" button.
 
 
Q: For which period can I enquire about the transaction history of my registered accounts?
A: You can enquire the last 60 days activities for Current, Passbook Savings and Statement Savings accounts, and up to last statement date activities for Credit Card account.
 
 
Q: What kind of account transactions can be enquired through transaction history?
A: Only Current, Passbook Savings, Statement Savings & Credit Card accounts can be enquired.
 
 
Q: Can I enquire the transaction which is performed today?
A: Yes, you can enquire the transaction through "Today Activities".
 
 
4. Fund Transfer
Q: How can I know the fund transfer instruction is accepted by the Bank?
A: A confirmation message is displayed on the screen, when your instruction is accepted by the Bank.
 
 
Q: What is the Maximum Daily Transaction Limit of Wing Hang Internet Banking Services?
A: The Maximum Daily Transaction Limit is as follows:
 
Services Maximum Daily Transaction Limit (HKD Equivalent)
Internal Fund Transfer $10,000,000
Nominated Account Transfer $1,000,000
Telegraphic Transfer $2,000,000
Bill Payment $100,000
Credit Card Payment Personal $1,000,000
¡@ Business $300,000
Time Deposit Placement No limit
FCY & Gold Buy / Sell Order No limit
Exchange Transfer $300,000 (each time)
Securities Trading $8,000,000 (each time)

For Business users, they can reduce the Maximum Daily Transaction Limit according to their personal needs.
 
 
Q: Can I input any special characters in Customer Reference?
A: Only alphanumeric characters are allowed.
 
 
Q: For How long can I place my forward date instruction?
A: You can set your forward date instruction up to 45 calendar days.
 
 
Q: Do I need to have sufficient fund in the debit account at the time I set a forward date instruction? What will be happened if there is insufficient fund in the debit account on the execution date?
A: It is not necessary to have sufficient fund in your account at the time you make a forward date instruction. However, you should make sure that you have the required amount in the debit account on the day before the execution date.
 
 
Q: Can I cancel the forward date instruction before the execution date?
A: Yes, you can cancel the forward date instruction at least one calendar day prior to the execution date.
 
 
Q: What is "Nominated Account Transfer"?
A: "Nominated Account Transfer" allows you to transfer fund from your accounts to other registered Wing Hang Bank accounts. 
 
 
Q: What kind of accounts can be the debit or credit account of "Nominated Account Transfer"?
A: Only Current, Passbook Savings and Statement Savings accounts are accepted.
 
 
Q: When will the fund be received at the Beneficiary's account?
A: The fund will be credited to the Beneficiary's account once the transaction is executed.
 
 
Q: Is it necessary to apply the "Nominated Account Transfer"?
A: Yes, you can choose to apply the service when you apply the Wing Hang Internet Banking Services or submit a Wing Hang e Banking Service Application/ Alteration Request Form (for Personal & Joint A/C User) or Wing Hang Business eBanking-Company Profile Alteration Request Form (for Business User) to enable the service.
 
 
Q: Is there any transaction daily limit for "Nominated Account Transfer"?
A: Yes, there is a maximum daily transaction limit pre-set by the Bank (Please refer to the Maximum Daily Transaction Limit Table). The said limit is to be shared by Nominated Account Transfer, Non-registered CHATS, Non-registered Telegraphic Transfer, Autopay and Telematic Services.
 
 
Q: Can I adjust the transaction daily limit of "Nominated Account Transfer"?
A: Yes. But for company account users only. You can reduce the transaction daily limit by accessing Daily Limit Maintenance page from the section of Other Services. However, it is necessary to submit a Wing Hang Business eBanking-User Alteration Request Form to restore the reduced transaction daily limit.
 
 
Q: Can I make card payment through Wing Hang Internet Banking Services?
A: Yes, you can make card payment to your registered Credit card Account.
 
 
5. Foreign Currency & Gold Buy / Sell Order
Q: Is there any limitation for placing the buy / sell order?
A: Yes, the buy / sell rate must not be placed less or more than 5 % of the prevailing rate.
 
 
Q: Is there any minimum transaction requirement for placing the buy / sell order?
A: Yes, the transaction amount of buy/sell order are restricted as follows:
Currency / Gold Minimum Transaction Amount (In Original Currency)
HKD
 50,000
GBP / EURO 5,000
USD / CAD / AUD / CHF / NZD / SGD
10,000
NOK
SEK
DKK
 50,000
JPY 1,000,000
99 Gold 15 Taels
Gold Maple Leaf / Ounce Gold 15 Ounces
 
 
6. Time Deposit
Q: What types of time deposit services are available?
A: Time Deposit Confirmation Details Enquiry
Setup New Time Deposit
Time Deposit Renewal
Time Deposit Withdrawal
Change of Maturity Instruction
 
 
Q: Can I place any Time Deposit Maturity Instruction before the maturity date?
A: Yes. You can place Time Deposit Maturity Instruction before the date of maturity. Otherwise, the principle and accrued interest would be automatically renewed for the same tenor according to the prevailing interest rate upon maturity.
 
 
7. Remittance
Q: What are the advantages to use the remittance of Wing Hang Internet Banking Services?
A: You can save transportation time and manpower for submitting the paper application to us in person. Besides, through the Registered Telegraphic Transfer (TT), you can make TT remittance more effectively.
 
 
Q: What are the differences between Registered TT and normal TT ?
A: For Registered TT, you are required to be pre-registered TT, then you can submit your online TT application without filling in all the information again. Moreover, the daily transaction limit for Registered TT is higher. (Please refer to the Maximum Daily Transaction Limit Table)
 
 
8. Cheque Services
Q: How long can I enquire my issued cheque status?
A: There is no time restriction to enquire your issued cheque.
 
 
Q: Is there any handling charge for report lost cheque?
A: Yes, a handling charge for report lost cheque will be levied. For details, please refer to the current account section of our Wing Hang Bank Service Charges.
 
 
9. Requisition
Q: How many cheque books can I request in one application?
A: You can request up to 5 cheque books in one application.
 
 
Q: What types of cheque book can I request for?
A: For HKD, a bearer type cheque book will be given. For USD, an order type cheque book will be provided.
 
 
Q: For which period of statement can I request?
A: You can request the statement since the last statement date.
 
 
10. Other Services
Q: What can I do if I forget my User ID / PIN?
A: You should renew your PIN by submitting the Wing Hang e Banking Service Application/ Alteration Request Form (for Personal & Joint A/C User) or the Wing Hang Business eBanking-User Alteration Request Form (for Business User)  to any of our branches.
 
 
Q: What will happen if I enter an incorrect PIN?
A: Your service will be suspended if you enter an incorrect PIN five times consecutively. You will be required to submit the Wing Hang eBanking Service Application/ Alteration Request Form (for Personal & Joint A/C User) or the Wing Hang Business eBanking-User Alteration Request Form to request reissuance of your PIN.
 
 
Q: How can I re-activate the disabled account service and resume the reduced daily transaction limit?
A: You should submit a Wing Hang Business eBanking-Company Profile Alteration Request Form to any of our branches. Normally, it takes approximate two business days for processing.
 
 
 
11. System Requirement
Q: What is the minimum system requirement for the use of Wing Hang Internet Banking Services?
A:

Hardware requirements:
A Personal Computer (PC) with
Intel Pentium 4 CPU or higher of IBM-Compatible PC with mouse
512 MB or more main memory (RAM)
56kbps modem or broadband connection to Internet but broadband is recommended
SVGA Monitor

Remark: It is not compatible with Macintosh at this time (Apple PC).

Display:
800 x 600 pixels, 256 colour

Software Requirements:
Software Requirements:
Windows 98/NT 4.0 with Service Pack 4.0/2000/Millennium Edition/XP Operating System or above (Java plug-in is required)
?Internet Explorer 6.0 or higher, it must support SSL128 encryption with Java Script, SSL, Cookies enabled
?Java Runtime Environment required (free download at www.java.com)

 
 
12. Security
Q: Is it secure to perform transactions through Wing Hang Internet Banking Services?
A:

Our Internet Banking Service provides the following security measures to ensure that your banking information and account details are secure.

a. You are required to reset a unique User ID and PIN once you login to Wing Hang Internet Banking Services for the first time. You must enter the correct User ID and PIN every time you login Wing Hang Internet Banking Services.
b. Wing Hang Internet Banking Service will be automatically terminated if there is no activity for 15 minutes in order to protect against unauthorized access.
c. Secure Socket Layer (SSL) and 128-bit encryption is employed to ensure confidentiality. All data and information transmitted between you and Wing Hang Internet Banking Service is encrypted by using 128-bit encryption.
 
Q: What should I do to reinforce security?
A:

Despite the enormous efforts taken by us, you are playing an important role in ensuring system security. The following security tips are highly recommended:

a.

Install anti-virus and/ or anti-spyware software in your personal computer and update the software regularly to ensure you have the latest protection.

b. Install a personal firewall on your personal computer to help you prevent unauthorized access and update the firewall regularly to ensure you are covered with the latest protection. For details, please refer to your software vendor.
c. Install security updates and patches to your personal computer or browser when they are made available. They are designed to provide you with protection from known possible security problems.
d. Do not conduct Wing Hang Internet Banking Services transaction using the personal computers which are available to public access.
e. Do not open Email attachment from unknown, suspicious or unreliable sources.
f. Do not install unlicensed software, which may contain bugs and viruses.
g.

To prevent installation of spyware, do not download any software with unknown sources, e.g. free-ware, music, or screen savers, etc.

h. Do not leave your relevant devices (e.g. personal computers or mobile phone) unattended in the middle of a session.
i. Do not browse other website by opening a new session while you are using Wing Hang Internet Banking Services.
j. Verify the security certificate of Wing Hang Internet Banking Services by double-clucking the 'lock' icon at the bottom bar of the screen.
k. Limit the access to your personal computer only to reliable persons.
l. Regularly check your account balances and statements. If any suspicious account activities were found, please contact us via our enquiry hotline 2832 2222.
m. Always logout after you have completed your Wing Hang Internet Banking Services transaction.

For User ID and PIN
n. Select a new User ID and change the initial PIN immediately while login to Wing Hang Internet Banking Services for the first time.
o. Do not disclose your User ID and PIN to anyone else including our staff.
p. Do not write down or record your PIN without disguising it.
q. Do not use easy accessible number or data such as your birthday, ID or personal telephone number as your User ID or PIN.
r. Do not use the same set of User ID or PIN from other Internet site.
s. Change your User ID or PIN periodically. For example every 30 or 60 days.
 
 
Q: How do I know I have accessed to the web page of Wing Hang Internet Banking Services that belongs to Wing Hang Bank?
A: You can click the small graphic with a security lock at the bottom of the browser, after you have entered our Wing Hang Internet Banking Services web page. A window showing the relevant information of the certificate will be displayed for your verification.
 
 
Q: What should I do if I want to enable the SSL feature?
A:

Steps to enable SSL for Microsoft Internet Explorer: