Local Transfer

Complete transfers and payments in just a few simple steps.

Faster Payment System (FPS)

Instantly transfer or receive HKD through FPS

Real Time Gross Settlement (RTGS)

Quickly transfer USD or CNY to local banks in Hong Kong

7X24 Instant HKD Transfers or Recepits

Support 7X24 HKD transfers or recepits via FPS

Support Multi-Currency Transfers

Supports HKD/USD/CNY.
Other currencies will be available soon. Stay tuned!

Download PAObank Retail App

Register your PAObank account as your FPS account

Menu>FPS & Transaction Limit Settings>FPS Registration

Choose your mobile number / Email /FPS ID as your FPS Identifier

Input the one-time verification code which will be sent to you via SMS. (Customer registered with FPS ID will not receive the verification code)

FPS Transfer

Click "Local Transfer"

Select "FPS Transfer"

Input payee's mobile number, email address or FPS ID.Select receiving bank and input transfer amount

Verify the transaction details and click "Confirm"

Bank Account Transfer

Click "Local Transfer"

Select "Bank Account Transfer"

Input payee’s name, bank account number, payee’s bank and input transfer amount

Verify the transaction details and click "Confirm"