Make transaction via FPS
Real time and free of charge

• Register FPS service using FPS ID / mobile number / email address
• Make instant HKD transfers anytime and anywhere
• FPS Local transactions without fee

Grow your savings without monthly fees

• No minimum deposit balance requirement
• 0.5% preferential saving interest rate
• Under Deposit Protection Scheme (up to HK$500,000)
• 7x24 online application via mobile APP
• Account opened as short as 1 Business Day ¹
• ¹ Only applicable to SME clients who apply for loan services. The actual account opening time is subject to the company type and the availability of documents to be provided. PAObank relationship manager will arrange a face-to-face interview with SME clients to complete the account opening process.

Simple loan approval
Obtain funding swiftly

• Pre-approved loan amount up to HK$2,000,000
• No documents required to submit for loan approval ¹
• "0" handling fee
• Early redemption without penalty fee, interest calculate on daily basis
• "5 Day Service Pledge” from successful loan application to drawdown²

• ¹ Only HKID is required for identity verification.
• ² Within 5 business days upon the day of completion of loan application and account opening. It is also subject to the company type and completion of documents to be signed.