OCBC WING HANG BUSINESS
eBANKING SERVICES
USER GUIDE
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
Table of Content
1) Introduction..................................................................................................................................................................................................................... 4
2) The Service........................................................................................................................................................................................................................ 5
2.1
System Requirement..........................................................................................................................................................................................5
2.2
Service Scopes and Features................................................................................................................................................................... 6 - 8
2.3
Type of Users....................................................................................................................................................................................................... 9
2.4 Approval Matrix.................................................................................................................................................................................................. 9
2.5
2.6 Service Hours............................................................................................................................................................................................... 11 - 12
Daily Transaction Limits..................................................................................................................................................................................10
3) First Login......................................................................................................................................................................................................................... 13
3.1 Acknowledgement of User ID and Personal Identification Number (PIN)................................................................................13
3.2 Change of your Initial User ID and PIN.....................................................................................................................................................13
4) Primary User................................................................................................................................................................................................................... 14
4.1 Overview.............................................................................................................................................................................................................. 14
4.2 Company Administrations and Enquiry.................................................................................................................................................. 15
4.3
User Administration and Enquiry.............................................................................................................................................................. 16
4.3.1
Review and Approval of the Profile Setting of New Secondary User......................................................................... 16
4.3.2
User Details........................................................................................................................................................................................ 17
4.3.3
Nominated Account Transfer (NACT) List.............................................................................................................................. 17
4.3.4 HK-Macau Instant Remittance List.......................................................................................................................................... 18
4.3.5 Account List ...................................................................................................................................................................................... 18
4.3.6 Service List ......................................................................................................................................................................................... 18
4.4 Company Record Enquiry.............................................................................................................................................................................. 19
5) Secondary User............................................................................................................................................................................................................. 20
5.1 Overview............................................................................................................................................................................................................. 20
5.2 Account Services............................................................................................................................................................................................... 21
5.2.1
Transaction Status........................................................................................................................................................................... 21
5.2.2
Account Enquiry.............................................................................................................................................................................. 22
5.2.3
Transaction History Enquiry....................................................................................................................................................... 22
5.2.4
Fund Transfer.................................................................................................................................................................................... 23
5.2.5
Foreign Currency & Gold Buy / Sell Order............................................................................................................................ 24
5.2.6
Time Deposit.................................................................................................................................................................................... 25
5.2.7
ePayment........................................................................................................................................................................................... 26
5.2.8
Electronic Bill Presentment & Payment Service................................................................................................................ 26
5.2.9
Rate Enquiry...................................................................................................................................................................................... 27
5.2.10
eCheque .................................................................................................................................................................................... 27 - 29
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.11
Cheque Services.............................................................................................................................................................................. 29
5.2.12
Online Requisition.......................................................................................................................................................................... 30
5.2.13
Account Opening............................................................................................................................................................................ 30
5.3
eStatement & eAdvice .................................................................................................................................................................................. 31
5.4
Remittance Services....................................................................................................................................................................................... 32
5.5
Payroll Services................................................................................................................................................................................................. 33
5.5.1
Trade Services.................................................................................................................................................................................................... 35
5.6
Create Template and Submit Payroll...................................................................................................................................... 34
5.6.1
Bills Account Enquiry.................................................................................................................................................................... 35
5.6.2
Letter of Credit Application and Amendment.................................................................................................................... 35
Investment......................................................................................................................................................................................................... 36
5.7
5.7.1
Investment Summry...................................................................................................................................................................... 36
5.7.2
Securities............................................................................................................................................................................................ 36
FX Margin Trading........................................................................................................................................................................................... 37
5.8
5.8.1
Account Enquiry.............................................................................................................................................................................. 37
5.8.2
Transaction Enquiry....................................................................................................................................................................... 38
5.8.3
Fund Transfer.................................................................................................................................................................................... 39
5.9
Other Services................................................................................................................................................................................................... 40
5.10 Security Device................................................................................................................................................................................................. 40
5.10.1
Device Activation............................................................................................................................................................................. 41
5.10.2
Fund Transfer to Non-Registered Third Party Account.................................................................................................... 42
5.10.3
Remittance to Non-Registered Third Party Account........................................................................................................ 43
5.10.4 Bill Payment to Non-Registered Bills or Make Donation................................................................................................ 44
5.10.5
5.10.6 Approval for Required Transactions ...................................................................................................................................... 46
Approval for eCheque Issuance................................................................................................................................................ 45
5.11 eCertificate Service.......................................................................................................................................................................................... 47
5.11.1
Software Installation..................................................................................................................................................................... 47
5.11.2
Change USB Security Token Password................................................................................................................................... 48
5.11.3
Change USB Security Token Name.......................................................................................................................................... 49
5.11.4
View the content of Certificate................................................................................................................................................. 50
5.11.5
Upload Payroll Instruction Service.................................................................................................................................... 51 - 52
5.11.6
Upload Batch Payment Instruction Service......................................................................................................................... 52
5.11.7
Approval of eCertificate Transactions.................................................................................................................................... 53
6) Security Tips . ........................................................................................................................................................................................................ 54-55
This document is provided by OCBC Wing Hang Bank Limited. It is intended to present a general guideline to facilitate the use of OCBC Wing Hang Business eBanking services.
Whilst reasonable efforts have been made to ensure accuracy, OCBC Wing Hang Bank Limited, however, makes no representation or warranty, express, implied, or statutory
with respect to, and assumes no responsibility for the accuracy, completeness, sufficiency or usefulness of the information contained therein.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
1) Introduction
Welcome for using OCBC Wing Hang Business eBanking services (the Services).
The Services provide advanced and reliable eBanking solution and selected privileges breaking through time and geographical
boundaries and let you manage company finance in a flexible way.
Besides general account services, we specially offer superior services and privileges including:
1. D/C application and amendment
2. “Dual Approval” of transaction securing company assets
3. “User Profiles Maintenance” to preset accessing rights for appointed staff
4. Handling fee wavier for payroll service
This user guide introduces the features and the usage of the Services. For assistance, please contact your account opening
branch or our customer service hotline at 3199 9188 during office hours.
Note:
Please refer to the latest version of the user guide for Business eBanking services through our website www.ocbcwhhk.com.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2) The Service
2.1 System Requirement
Hardware Requirement
A personal computer with:
• Intel Pentium 4 CPU or higher
• 512 MB or more main memory (RAM)
• 56kbps modem or broadband connection to Internet but broadband is recommended
• SVGA Monitor
Software Requirement
• Windows or Mac OS X operating system
• Internet Explorer 7.0, Mozilla Firefox 3.6.3, Safari 5.0.5, Chrome 12.0.742.91 or higher, it must support TLS encryption with
Java Script, Cookies enabled
• Java Runtime Environment is required for using eCertificate Service (free download at http://www.java.com)
Recommended Resolution for Screen Display
• 800 x 600 pixels, 256 colour
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.2 Service Scopes and Features
The Services provide a comprehensive range of financial management features including bank account management, cash
management and trading services; facilitating you to manage your company finance online anytime, anywhere.
Services
Enquiry
Execution Mode
Execute Instantly
Forward Date
• Internal Transfer
P
P
• Nominated Account Transfer (NACT)
P
P
• Credit Card Payment
P
P
P
P
Account Balance Enquiry and Transaction
History Enquiry
(up to 60 days history for Current, Passbook
Savings and Statement Savings accounts)
Template*
P
Fund Transfer
• Non-registered 3rd Party Account Transfer
(Only applicable to Customer who has applied
Security Device)
P (Pre-set required)
Foreign Currency & Gold Buy / Sell Order
• Enquiry
P
• Setup an order
P
• Revoke an order
P
Time Deposit
• Confirmation Enquiry
P
• Placement
P
• Renewal
P
• Withdrawal
P
• Change of Maturity Instruction
P
ePayment (Bill Payment Services)
P
P
Electronic Bill Presentment & Payment Service
• View eBill & eReceipt
P
• Request eBill
P
• Pay Bill
P
P
• Make Donation
P
P
• Enquire Merchant on eBill Registration History
P
* Template function allows you to retrieve a saved record for future use.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.2 Service Scopes and Features (con’t)
Services
Enquiry
Execution Mode
Execute Instantly
Forward Date
Template*
Rate Enquiry
• HKD Deposit Rate
P
• Foreign Currency Deposit Rate
P
• Foreign Currency Exchange Rate
P
• Gold Price
P
eCheque
• Issue eCheque
• eCheque Issuance History
P
P
Cheque Services
• Cheque Status Enquiry
P
• Stop Cheque Payment
P
Online Requisition
• Cheque Book Request
P
• Statement Request
P
Remittance
• Telegraphic Transfer
P
P (Pre-set required)
• CHATS
P
P (Pre-set required)
• HK - Macau Instant Remittance
P
P (Pre-set required)
Payroll
P
P
P (Pre-set required)
Trade Services
• Credit Limit Utilization Enquiry
P
• Inward Bills Transaction Enquiry
P
• Outward Bills Transaction Enquiry
P
• Letter of Credit Application
P
P (online register)
• Letter of Credit Amendment
P
P (online register)
Securities Trading
P
* Template function allows you to retrieve a saved record for future use.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.2 Service Scopes and Features (con’t)
Services
Enquiry
Execution Mode
Execute Instantly
Forward Date
Template*
Foreign Exchange Margin Trading
• Transaction Enquiry
P
• Margin Deposit / Withdrawal
P
Upload Payroll Instruction Service
(Only applicable to customer who has applied
eCertificate Service)
P
P
P
Upload Batch Payment Instruction Service
(Only applicable to customer who has applied
eCertificate Service)
P
P
P
Account Opening -Statement Savings Account and Time Deposit Account
eStatement & eAdvice
P
P
Other Services
• Change of User ID
P
• Change of PIN
P
* Template function allows you to retrieve a saved record for future use.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.3 Type of Users
Under the Services, there are two types of user: Primary User and Secondary User.
PRIMARY USER
Primary User plays the role as an administrator of the Services to manage and alter the setting of Company and Secondary
User’s authority. You may assign up to 2 Primary Users to manage the Services and Secondary User(s) profile settings.
Primary User can:
• inquire company profile including approval matrix and instruction list;
• suspend particular banking service and reduce daily transaction limit for the Company;
• administrate Secondary User(s);
• inquire Company and User administration history.
SECONDARY USER
Secondary User is the one who submits instruction through the Services on behalf of the Company. You may assign up to 99
Secondary Users to meet for the needs of the Company.
Secondary User can:
• inquire account balance and transaction history as well as latest rate quotation;
• perform transactions according to their user authority assigned;
• approve the instruction according to the approval matrix setting.
2.4 Approval Matrix
You may assign Secondary User(s) into 3 predetermined Approval Group namely A, B and C according to your human resource
arrangement needs. Through the setting, transaction could be performed by the approval of ONE or TWO approvers
depending on the transaction amount.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.5 Daily Transaction Limits
To secure the Company’s assets, a Primary User may reduce the daily transaction limit of a particular service by accessing
the “Administrator Management” through the Services or by submitting the “Business eBanking Services – Company
Profile Alteration Request Form” to the Bank for arrangement. For each of these services, customer should consider the risk
associated with these transactions and set your daily transaction limit to fulfill your business need.
Services
Maximum Daily Transaction Limit (HKD Equivalent)
Internal Fund Transfer
$50,000,000 #
Transfer to Pre-registered Account
“ePayment” and “eBill Presentment
& Payment Service”
NACT
$10,000,000
Telegraphic Transfer / HK-Macau
Instant Remittance
$10,000,000
CHATS
$10,000,000
ePayment Total Limit
$100,000*
Sub-limit for payment to “Primary or
Secondary Education”, “Post-secondary or
Specialised Education”, “Government or
Statutory Organization”, “Public Utility”
$100,000*
Sub-limit for payment to other merchants@
$50,000*
Payroll Services
$3,000,000
Transfer to Non-registered Third
Party Account
(including OCBC Wing Hang and
Other Bank Account Transfer,
Telegraphic Transfer, CHATS,
HK-Macau Instant Remittance and
eCheque Issuance)
$2,000,000
(Only applicable to Customer who has applied Security Device)
“Upload Payroll Instruction Service”
and “Upload Batch Payment
Instruction Service”
$2,000,000
(Only applicable to customer who has applied eCertificate Service)
#Transaction limit for foreign currency exchange is HK$1,000,000 or equivalent. The calculation for equivalent HKD is based on the average exchange rate of withdrawal
currency during the previous month.
* Daily Total Transaction Limit is shared among all payment types.
@Bill payment to these merchants require pre-registering Bill Template(s) in advance. The Bank will send a SMS notification to customer upon successful payment.
Note:
If you would like to increase the reduced limit(s), please submit a “Business eBanking Services – Company Profile Alteration
Request Form” to any of our branches.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.6 Service Hours
Service Hours
Bank Value Date
(Same day value for submission
before the below stated schedule)
24 hours
20:00
Nominated Account Transfer –
“NACT” to other banks^
24 hours
Mon - Fri: 14:30
Nominated Account Transfer –
“NACT” from other banks^
24 hours
Mon – Fri: 20:00
ePayment^
24 hours
Mon - Fri: 17:00
Payment or donation via Electronic
Bill Presentment & Payment Service
24 hours
Mon - Fri: 12:30
24 hours
20:00
Mon - Fri: 9:00 - 20:00
20:00
24 hours
Immediately
Mon - Sat: 8:00 - 20:00
20:00
Foreign Exchange
Mon - Fri: 9:00 - 2:30 / [3:30]*
Sat: 9:00 - 13:00 #
20:00
Gold Trading
Mon - Fri: 9:00 - 2:30 / [3:30]*
20:00
Mon - Fri: 9:00 - 16:00
16:00
24 hours
N/A
Mon - Fri: 9:00 - 18:00
Sat: 9:00 - 13:00
N/A
Service Type
General Banking Services
•Account Enquiry
•Fund Transfer
•Credit Card Payment
•Nominated Account Transfer –
“NACT” within WHB
•Rate Enquiry
•Online Requisition
Time Deposit
•Confirmation Enquiry
•Placement, Renewal, Withdrawal,
Change of Maturity Instruction
Issue eCheque
Stop Cheque Payment
Overnight Plus Deposit Account
Services
Trade services
•L/C Application and Amendment
•Credit Limit Utilization Enquiry
* New York Winter Time
#Service is not available if Saturday is also a Hong Kong public holiday.
^ Instruction submitted after cut-off time will be executed on the next business day excluding Saturday.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
2.6 Service Hours (con’t)
Service Hours
Bank Value Date
(Same day value for submission
before the below stated schedule)
Payroll Services^
24 hours
Mon – Fri: 19:30
Sat: 13:00 (within OCBC Wing Hang)
Telegraph Transfer^
24 hours
Renminbi: Mon - Fri 16:00
Other Currencies: Mon - Fri 16:30
CHATS^
24 hours
Mon – Fri: 15:00
HK-Macau Instant Remittance
24 hours
Mon – Fri: 20:00
Trading Day: 9:30 – 12:00; 13:00 – 16:00
Immediately (during Trading Hours)
Pre-set instruction:
18:00 – 9:15 (next trading day)
9:15 (Pre-Market Session)
16:00
Foreign Exchange Margin Trading
(Margin Deposit / Withdrawal)
Mon-Fri: 9:00-2:30/[3:30]*
Sat: 9:00-13:00 #
20:00
Upload Payroll Instruction Service
24 hours
Mon – Fri: 12:00
Upload Batch Payment Instrcution
Service
24 hours
Mon – Fri: 12:00
Account Opening – Statement
Savings Account and Time Deposit
Account
Mon to Sat: 9:00 - 20:00
(except Hong Kong public holiday)
Immediately
eStatement & eAdvice
24 hours
20:00
Other Service – Change of User ID
& PIN
24 hours
Immediately
Service Type
Securities Trading
* New York Winter Time
^ Instruction submitted after cut-off time will be executed on the next business day excluding Saturday.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
3) First Login
This section illustrates the profile setting procedure of the Services.
3.1 Acknowledgement of User ID and Personal Identification Number (PIN)
An Initial User ID and Initial PIN will be sent to Primary User and Secondary User separately once your application is accepted
by the Bank.
For security reason, user should use a touch-tone phone to call 2815-1123 and press”7” after selecting language to activate
the PIN.
3.2 Change of your Initial User ID and PIN
After activating the Initial PIN, you may login the Services through www.ocbcwhhk.com. For the first time login, you are
required to change your Initial User ID and PIN.
Login Screen
Change of Initial User ID and PIN
Notes:
1. If you have inputted incorrect PIN for five times consecutively, the Services will be suspended by the system.
2. After changing your User ID and PIN, Secondary User is required to contact Primary User for user profile setting.
3. If you do not change your PIN within 60 days after the issuance of Initial PIN, the Services will be suspended.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4) Primary User
This section guides Primary User to manage the company administration via the Services.
4.1 Overview
Once the login is successful, you may select the appropriate function in the navigation bar provided.
1
You may select the following
categories:
• Administrator Management
• Other Services
2 You may select the services
on the left hand side. For
example, under Administrator
Management, you may select:
• Company Administration and
Enquiry
• User Administration and
Enquiry
• Company Record Enquiry
3 You may select the subservices. For example, under
Company Administration and
Enquiry, you may select:
• Company Profile Enquiry
• Approval Matrix Enquiry
• Account List Maintenance
• Banking Service Maintenance
• Instruction Enquiry
• Update Account List
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4.2 Company Administrations and Enquiry
Company Profile Enquiry
You may inquire profile details
of the Company.
Update Account List
You may add or delete
subsidiary accounts for
eBanking services.
Instruction Enquiry
You may inquire the details of
nominated account transfer
instruction (NACT) and
registered HK-Macau Instant
Remittance.
Banking Service Maintenance
Account List Maintenance
You may inquire and disable
the account permission.
You may inquire and suspend
designated service of the
company and reduce the
daily transaction limit of the
Services.
Approval Matrix Enquiry
You may inquire the Approval
Matrix setting by different
combination of Approval
Group.
Note:
If you would like to reactivate the disable account(s) and service(s), or to increase the daily transaction limit, you are required
to submit the “Business eBanking Services – Company Profile Alteration Request Form” to the Bank for arrangement.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4.3 User Administration and Enquiry
User Administration Pending List
You may approve the profile setting of new
Secondary User.
User Authorization and Enquiry
You may:
• inquire the details of Secondary User, including the
profile, last login time and status, instruction list,
account list and service scope
• suspend the authority of Secondary User
• disable particular account and service permission
of Secondary User
4.3.1 Review and Approval of the Profile Setting of New Secondary User
1
You may click the Pending
Transaction Number you would
like to approve.
2 You should review or update
(if necessary) the user profile
for the new Secondary User,
including permission of account
and service list.
(Please refer to 4.3.2 – 4.3.6)
3 You may approve or reject the profile
setting of the Secondary User.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4.3.2 User Details
User Details
You may inquire the profile details or
suspend the authority of particular
Secondary User.
4.3.3 Nominated Account Transfer (NACT) List
NACT List
You may inquire the list of NACT of
particular Secondary User.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4.3.4 HK-Macau Instant Remittance List
HK-Macau Instant Remittance List
You may inquire the list of HK-Macau Instant Remittance
of particular Secondary User.
4.3.5 Account List
Account List
You may inquire or maintain the permission of registered
account(s) of particular Secondary User.
4.3.6 Service List
Service List
You may inquire or suspend the permission of registered
service(s) of particular Secondary User.
Note:
If you would like to reactivate the suspended account(s) or service(s) for specific Secondary User, please submit a “Business
eBanking Services – User Alteration Request Form” to any of our branches.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
4.4 Company Record Enquiry
User Activities History
You may inquire user activities record within
the last 30 days.
Administration History
You may inquire the administration record
of the Company within the last 30 days.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5) Secondary User
This section guides Secondary User to submit, review and approve transaction instruction via the Services.
5.1 Overview
Once the login is successful, you may select the appropriate function in the navigation bar provided.
1
You may select the following
categories:
• Account Services
• eStatement & eAdvice
• Remittance
• Payroll Services
• Trade Services
• Investment
• FX Margin Trading
• Other Services
3
2 You may select the services on the left
hand side. For example, under Account
Services, you may select:
You may select the sub-services
here. For example, under
Transaction Status Enquiry, you
may select:
• Pending Instruction Enquiry
• Transaction Status
• Forward Date Instruction
• Account Enquiry
• Message Box
• Fund Transfer
• Foreign Currency & Gold Buy / Sell
Order
• Time Deposit
• ePayment
• eBill Presentment & Payment Service
• Rate Enquiry
• eCheque
• Cheque Services
• Online Requisition
• Account Opening
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2 Account Services
Account Services cover a range of general banking services related to your accounts. You may check your account balance
and history, conduct fund transfer, place time deposit or pay bills, etc.
5.2.1 Transaction Status
You may inquire the current status of submitted instructions and the execution status of the Forward Date Instructions.
Pending Instruction Enquiry
You may inquire or amend the
current status of Pending for
Approval Request.
Message Box
You may inquire:
• result message of submitted
Remittance requests
• rejected message of D/C
Applications
Forward Date Instruction
You may inquire or cancel the
current status of Forward Date
Instructions.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.2 Account Enquiry
You may view the latest account balance and available balance for all registered accounts.
You may inquire the account details,
e.g. Account Balance, Transaction
History, etc, through the account
hyperlink.
5.2.3 Transaction History Enquiry
You may view the transaction records of registered Passbook Savings accounts, Statement Savings accounts, Current
accounts and Credit Card accounts.
For Passbook Savings, Statement Savings and Current accounts, you may inquire transaction history up to last 60 days. For
Credit Card accounts, you can inquire the last statement transaction and unbilled transaction record(s).
Please select the transaction period
you would like to inquire and then
press “Proceed”.
Tips
For enquiry of the transaction(s)
made by today, please select
“Today Activities”
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.4 Fund Transfer
You may transfer fund:
• between internal accounts;
• between registered OCBC Wing Hang and/or other local bank accounts;
• to OCBC Wing Hang Credit Card accounts.
Besides, you may also setup a Forward Date Instruction to execute the instruction up to 45 calendar days.
Fund Transfer
You may transfer fund between
your internal accounts.
Card Payment
You may settle your registered
OCBC Wing Hang Card payment.
Registered Third Party Fund
Transfer
You may transfer fund to preregistered OCBC Wing Hang and/
or other local bank accounts, or
collect fund from other local bank
accounts.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.5 Foreign Currency & Gold Buy / Sell Order
You may place, inquire and cancel a buy / sell order for Foreign Currency or Gold trading in advance.
Setup Order
You may place a Foreign Currency & Gold buy
/ sell order in advance.
Outstanding Order Enquiry
You may inquire and cancel the outstanding
order you have placed.
The minimum transaction requirement for placing the Foreign Currency & Gold buy / sell order is listed as below:
Minimum Withdrawal Amount
(In Original Currency)
Increment in Multiple of
HKD / RMB
50,000
5,000
GBP / EURO
5,000
500
USD / CAD / AUD / CHF / NZD / SGD
10,000
1,000
DKK / NOK / SEK
50,000
5,000
THB
200,000
20,000
JPY
1,000,000
100,000
5 Taels
1 Tael
5 Ounces
1 Ounce
Debited Currency / Gold
99 Gold*
Gold Maple Leaf / Ounce Gold*
* The minimum withdrawal amount of 99G & Gold Maple Leaf/Ounce Gold is calculated in the corresponding type of Gold.
Notes:
1. The buy / sell rate must be within +/- 5% of the prevailing rate.
2. Once the order has been acknowledged by the Bank, the amount of currency / quantity of gold to be sold will be withheld
from the relevant account until such order has been executed by the Bank or cancelled by you.
3. Orders will only be executed from Monday to Friday during the service hours and when the Bank’s rate quotation for
such currency / gold is available at the time.
4. The exchange rate and gold price stored must be in multiple of 0.001 and 5 respectively, except GBP which is in 0.005 and
JPY which is in 0.0001.
5. Once the order has been executed, it can neither be cancelled nor varied.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.6 Time Deposit
You may inquire, place, renew and withdraw a time deposit confirmation if you have already opened a time deposit account
and registered to the Services. Also, you may change the Time Deposit Maturity Instruction (TDMI) before the maturity date.
Setup New Time Deposit
You may place a new time deposit
confirmation.
Time Deposit Summary
You may:
• inquire the details of time deposit
confirmation
• renew or withdraw time deposit
confirmation
• change TDMI
You may renew or withdraw the
time deposit upon maturity by
clicking the hyperlink.
You may change the TDMI by
clicking the hyperlink.
Note:
No TDMI can be altered on the maturity date and for all pledged time deposit confirmations.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.7 ePayment
You may pay bills to more than 600 major merchants, including Government and Utilities, free of charge.
Besides, through the Forward Date Instruction, you can even make your payment within 45 calendar days.
Make New Bill Payment
You may select merchant and make a
new bill payment.
Bill List
You may:
• view or delete previous payment
records
• pay the bill without re-entering the
bill number
5.2.8 Electronic Bill Presentment & Payment Service
You may view eBill summary issued by merchants and make payment or donation. Please note that payment or donation
service require applying ePayment Service in advance.
View eBill & eReceipt
You may enquire enrolled eBill,
ePayment receipt and eDonation
receipt issued within 3 months.
Request eBill
You may request to enroll for the
Electronic Bill Presentment and Payment
Service to access eBill issued by
merchants.
Pay Bill
Make Donation
You may select merchant and make
bill payment.
You may select Charitable Body and
make donation.
Enquire Merchant on eBill
Registration History
You may enquire merchant on eBill
registration history. This service is only
applicable to bill owner whose eBill
have been enrolled for not more than 5
times through the Bank or other banks.
Note:
1. Payment to non-registered bills (except “Primary or Secondary Education”, “Post-secondary or Specialised Education”, “Government
or Statutory Organisation” and “Public Utility” category) requires pre-registering Bill Template via branch in advance.
2. The Bank will send a SMS notification to your pre-registered mobile phone number (if any) upon successful payment (except “Primary or
Secondary Education”, “Post-secondary or Specialised Education”, “Government or Statutory Organisation” and “Public Utility” category).
3. You are advised to conduct regular review and delete unnecessary Bill Template via Internet Banking. A Bill Template will be
deleted automatically if no payment was conducted for more than 12 months, or the merchant has ceased to be an ePayment
merchant or terminated that bill type.
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OCBC Wing Hang Bank Limited
5.2.9 Rate Enquiry
You may inquire the prevailing HKD deposit rates, foreign currency deposit rates and exchange rates, and gold prices.
5.2.10 eCheque
To issue an eCheque, it is required to setup eCheque signing authority and transaction limits in advance. You may assign
Secondary User(s) into 3 predetermined eCheque Signing Group namely A, B and C. An eCheque can be signed by ONE or
TWO approvers. It is required to select the eCheque Signing Group(s) and signer(s) for eCheque issuance each time.
Deposit eCheque
You may get the link to HKICL Drop
Box to deposit eCheque.
eCheque Issuance History
You may search for the issued
eCheque by issue date, check the
status of eCheque and download
the PDF file of an issued eCheque.
Issue eCheque
You may request or approve to issue
an eCheque. You may also find the
Pending for Signing eCheque and
Rejected eCheque here.
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OCBC Wing Hang Bank Limited
eCheque Issuance Procedure
I) Makers submit eCheque Issuance for approval
1 Click “Issue a new eCheque” on the top
right corner in Issue eCheque.
2 Input the transaction details of eCheque
Issuance, select eCheque Signing Group,
then submit the transaction.
3 Review the transaction details, select
Signer, and click “Proceed”. The eCheque
will then submitted for approval.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
II) Approvers sign the requested eCheque
1 Click the Cheque Number to be approved
in the pending list.
2 After review of transaction details, follow
the on-screen instructions for Two Factor
Authentication and confirm to proceed.
You can click “Download eCheque” (as
shown) to download the PDF file of the
issued eCheque.
5.2.11 Cheque Services
You may inquire cheque status and stop the cheque payment (including eCheque).
Note:
Handling charge will be levied for each stop cheque payment instruction executed. Please refer to the latest version of OCBC
Wing Hang Service Charge for details.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.2.12 Online Requisition
You may request up to 5 cheque books of your current account accounts through this function.
Cheque Book
You may request a bearer type
cheque book for HKD current
account and an order type cheque
book for USD current account.
The cheque will be either:
• sent to your correspondence
address by registered mail; Or
• collected at designated branch by
nominated person.
Note:
Handling fee and postage will be levied on cheque book collection by registered mail.
5.2.13 Account Opening
This function allows you to open Statement Savings Account and Time Deposit Account through Internet Banking.
Statement Account
You may open Statement Savings
Account of various currencies.
Time Deposit Account
You may open Time Deposit Account
of various currencies.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.3 eStatement & eAdvice
You may view, print and download account statements and advices via Internet Banking.
View eStatement
You may view your eStatement of past
12 months.
View eAdvice
You may view your eAdvice of recent
3 months.
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OCBC Wing Hang Bank Limited
5.4 Remittance Services
Convenient Remittance can be made via three channels: Telegraphic Transfer (TT), CHATS and HK-Macau Instant Remittance,
of the Services.
You may make TT, CHATS or HK-Macau Instant Remittance by using a pre-registered template more efficiently.
1
Select Remittance service
You should choose the means
of remittance first.
2 Registered Telegraphic
Transfer, CHATS or HK-Macau
Instant Remittance
You may use the pre-registered
template to place your
remittance instruction.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.5 Payroll Services
Payroll Services help you to manage the payroll transactions which save transportation time and manpower for submitting
the paper or disk instruction. You may operate the pre-registered beneficiary list and payroll template more efficiently.
Beneficiary List
For Payroll service, you are
required to register the
beneficiary account in advance
by submitting a “Business
eBanking Services - Beneficiary
Registration / Alteration Request
Form” to any of our branches.
Submit Payroll Instruction
You may submit the payroll
instruction by using a designated
template.
Maintain Payroll Template
You may create the payroll
template by selecting different
beneficiary from the Beneficiary
List.
Tips
You may save an existing
template as a new template for
future amendment.
Notes:
1. Only HKD savings, statement and current account are accepted as beneficiary account.
2. The cut-off time for submit Payroll instruction is 7:30pm Monday – Friday and 13:00 on Saturday (credit to OCBC Wing
Hang Account)
3. If the beneficiary account is a OCBC Wing Hang account, the beneficiary will receive the fund on next business day.
Otherwise, the time for the funds to be credited to the beneficiary’s account will depend on the procedures of the payee
bank. Normally, it will be credited to the account on the next business days (excluding Saturday) for processing.
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OCBC Wing Hang Bank Limited
5.5.1 Create Template and Submit Payroll
1
Create New Template
You may create a new template
by selecting the beneficiary
from the beneficiary list. Name
the template and then save.
2 Select Template
You may select an appropriate
template in “Submit Payroll
Instruction”.
3 Submit Template
Select the debit account after
reviewing the template, and
click “submit”
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.6 Trade Services
Trade Services help you to speed up the processing time for Letter of Credit (D/C) Application as well as to inquire credit limit
and trade account status.
5.6.1 Bills Account Enquiry
Inward / Outward Bills
Transaction Enquiry
You may inquire the details of
the Inward Bills and Outward
Bills transaction.
Credit Line Utilization
You may inquire the credit limit
of your Bills accounts.
5.6.2 Letter of Credit Application and Amendment
DC Application Template /
Amendment Template
You may create D/C application
template and D/C amendment
template through “new
template” function.
DC Application / DC
Application Amendment
You may submit D/C
application and/or amendment
directly.
Note:
An acknowledgement number will be generated for your reference. In case of rejection, we will contact you directly and a
message will be posted at Message Box for notification.
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OCBC Wing Hang Bank Limited
5.7 Investment
5.7.1 Investment Summry
This page shows the summary of your Investment
account.
5.7.2 Securities
Securities services allow you to trade all securities and warrants listed on the Hong Kong Exchange and Clearing Limited.
Order Status
You may inquire the status of the orders
placed.
Securities Portfolio
You may inquire the portfolio of your
Securities Account.
Stock & Market Information
Buy
Sell
You may place buy orders for
securities trading.
You may place sell orders for
securities trading.
It provides real time and delayed stock
price enquiry.
Transaction History
You may inquire securities transaction
history up to last 60 days.
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OCBC Wing Hang Bank Limited
5.8 FX Margin Trading
FX Margin Trading function allows you to inquire outstanding and squared contract, check transaction history and manage
the balance of your FX Margin account through Internet Banking.
5.8.1 Account Enquiry
You may check the account balance and transaction history through the Account Details and Transaction History functions.
Select the FX Margin Trading
account to inquire the balance.
You can choose the time range
and currency to check the
transaction history.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.8.2 Transaction Enquiry
You can inquire the outstanding and squared contract in your FX Margin Trading account through the Transaction Enquiry
function.
Outstanding FX Transaction
You may inquire any outstanding
FX contracts in your FX Margin
Trading account.
Select the account you would
like to inquire for outstanding
contract.
Squared FX Transaction
You may inquire any squared
FX contracts in your FX Margin
Trading account.
Select the account you would like
to inquire for squared contract.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.8.3 Fund Transfer
This function allows you to manage the balance of your FX Margin Trading account.
Margin Deposit
You may deposit amount
to your FX Margin Trading
account.
Fill in the information and
press “Submit” to finish the
instruction.
Margin Withdrawal
You may withdraw margin
deposit from your FX Margin
Trading account.
Currency Transfer
You may transfer fund from
one currency to another under
the same FX Margin Trading
account, for example, to settle
the interest payment for
particular currency.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.9 Other Services
You may change your User ID and PIN through Other Services. Please use 8 to 20 alphanumeric as your new User ID and 8
characters with combination of letters and numbers as your new PIN.
You can also activate your Security Device in Other Services. Please refer to 5.10.2 for the detailed operation.
5.10 Security Device
Business eBanking customers can apply Security Device for Secondary Users to conduct the following transactions:
• Fund Transfer to Non-Registered Third Party Account (including OCBC Wing Hang and Other Bank Account)
• Telegraphic Transfer, CHATS or HK-Macau Instant Remittance to Non-Registered Third Party Account
• ePayment, EBPP bill payment to non-registered bills or make donation
• Approval for eCheque Issuance
• Approval for required transactions
To conduct part of the above mentioned transactions, Transaction Signing is required, which means, a Security Code should
be generated via a Security Device based on your own transaction specific information. Examples of such instructions are
shown below.
Beneficiary account
number / Bill account
number / Debtor
reference
With 8 or more digits
Enter the last 8 digits only.
With 4-7 digits
Enter all digits.
With 0-3 digits
Comprising numeric and
non-numeric characters
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Instructions
Example
Input
123-4-567890
01234567
34567890
01234567
123456
123456
Verification is not applicable
at Business e-Banking. Please
perform your transaction at any
of our branches.
123
AB12CD3E
N/A
Skip all non-numeric characters.
Enter the digits into the Security
Device.
00123A45B678E9
A12233
23456789
12233
華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.1 Device Activation
The Security Device must be activated before using. Please follow the below steps for activation:
1
Login to Business Internet
banking, select “Other
Services” > “Activate Security
Device”
2 Input the 10-digit serial
number printed at the back of
the Device and use the Device
to generate a 6-digit Security
Code. Enter the Security Code
and click “Submit”.
3 A Security Key No. will be sent
to your registered mobile
phone number. Enter the
Security Key No. and confirm
to proceed. The Security Device
will then be immediately
activated.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.2 Fund Transfer to Non-Registered Third Party Account
Security Device users can transfer fund to non-registered third party account, including OCBC Wing Hang and Other Bank
Account.
1
Input the transaction details of
Fund Transfer, then submit the
transaction.
2 Follow the on-screen
instructions to enter the
Beneficiary account number
which are highlighted in blue
into the device to generate a
6-digit Security Code. Enter the
Security Code and confirm to
proceed.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.3 Remittance to Non-Registered Third Party Account
Security Device users can make Telegraphic Transfer(TT), CHATS and HK-Macau Instant Remittance to non-registered third
party account.
1
Input the transaction details of
Remittance, then submit the
transaction.
2 Follow the on-screen
instructions to enter the
Beneficiary account number
which are highlighted in blue
into the device to generate a
6-digit Security Code. Enter the
Security Code and confirm to
proceed.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.4 Bill Payment to Non-Registered Bills or Make Donation
Security Device users can make Bill Payment to Non-Registered Bills or donation through ePayment and EBPP.
1
Input the transaction details of
Bill Payment or Donation, then
submit the transaction.
2 Follow the on-screen
instructions to enter the Bill
number which are highlighted
in blue into the device to
generate a 6-digit Security
Code. Enter the Security Code
and confirm to proceed.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.5 Approval for eCheque Issuance
Security Device users can approve the eCheque online. Please go to “Account Services” > “eCheque” to search for Pending for
Signing eCheque. Please refer to 5.2.10 eCheque for more details about eCheque.
1
45
After selecting the eCheque
to be approved and review
of transaction details, follow
the on-screen instructions to
generate a 6-digit Security
Code. Enter the Security Code
and confirm to proceed.
華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.10.6 Approval for required transactions
Approvers can approve the request of high-risk transactions with Security Device.
1
In “Account Services” >
“Transaction Status”, click the
Pending Transaction Number
you would like to approve.
2 After review of transaction
details, follow the on-screen
instructions to generate a
6-digit Security Code. Enter the
Security Code and confirm to
proceed.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11 eCertificate Service
Business eBanking customers can apply eCertificate service for each designated user in order to conduct the following
transactions:
• Upload Payroll Instruction Service
• Upload Batch Payment Instruction Service
Each eCertificate user will be issued with a USB Security Token and password. To perform the above transactions using
eCertificate, your computer is required to install:
• Windows 7 or above
• Internet Explorer 7, Mozilla Firefox 3.6.3 or higher version of browser
• Java Runtime Environment (free download at http://www.java.com)
5.11.1 Software Installation
eCertificate user must install ePass3003 software in order to use the USB Security Token.
1
Plug the USB Security
Token into computer,
then click “Run
autorun.exe” to install
the program.
In case the program does not run automatically,
open the drive of USB Security Token and
execute “ePass3003.exe”.
2 After the installation,
the “EnterSafe” will
be displayed in “All
Programs” list.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11.2 Change USB Security Token Password
eCertificate user may change the password of USB Security Token by the following steps.
1 In Start Menu, open All Programs > EnterSafe > ePass3003 Token Manager
2 Click Change User PIN.
3 Enter the Old and New User
PIN, then click OK.
Notes:
• The Token will be locked in case wrong password has been entered more than 6 times.
• The minimum length of the password is 8 characters that consists of letters and numbers.
• The maximum length of the password is 16 characters that consists of letters and numbers.
• Case letters can be used to enhance security.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11.3 Change USB Security Token Name
eCertificate user may change the name of USB Security Token by the following steps.
1
In Start Menu, open All Programs > EnterSafe > ePass3003 Token Manager
2 Click Change Token
Name.
3 Enter the new name,
then click OK.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11.4 View the content of Certificate
eCertificate user may check the certificate information by the following steps.
1 In Start Menu, open All Programs > EnterSafe > ePass3003 Token Manager
2
Click Login and input User PIN.
3
Select the certificate and click Certificate View to check the certificate information.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11.5 Upload Payroll Instruction File
eCertificate users can conduct payroll transactions by uploading a specific payment instruction file in the form of CSV or the
file generated from Magnetic Autopay System software (MAS). Pre-registration is not required for this service.
Columns
Content
Requirement
1
Prepare the payroll
instruction file in CSV
format by establishing
a new file in Excel. After
entering the respective data
of the staff, please save the
file type as CSV (Comma
delimited) (*.csv). For
MAS file, please follow the
existing way to generate
such file by using Magnetic
Autopay System software.
2
Click the Payroll Service
under Upload Instruction
File menu. Enter the
respective information
and select the instruction
file format. Then plug the
USB Security Token into
computer and submit the
transaction.
(Please fill in all content)
A
Reference
• Max. 18 characters.
• Only English, Number & “-” can be
accepted.
B
Account Holder Name
• Max. 20 characters.
C
Account Number
• Account number must be correct.
• Max. 17 characters including the bank
code and the branch code with “-“ sign
i.e.“123-123-”.
D
Amount
• Max. 8 and 2 digits before & after the
decimal respectively.
E
Remarks
• Max 6 characters.
Note: Total Payment Items and Total Payment Amount must be the same as the total
items and payment amount in the uploaded file. And the selected Currency of the Total
Payment Amount in the screen must be the same as the Currency of the Debit Account.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
3
When the User
Authentication pop up,
click ‘Choose File’ to upload
the payroll file and enter
the USB Security Token
password then Submit to
proceed.
4
You may inquire the
transaction detail under
‘Instruction Status
Enquiry’.
Note: For selecting MAS2 file format, it is required to upload both TRAILER.txt and
WHBMAS.txt files.
Note: PENDING – Instruction is submitted to approver and pending for approval.
SUBMITTED – Instruction is approved and submitted to the bank.
5.11.6 Upload Batch Payment Instruction File
After logging into the Business Internet Banking, click the Upload Instruction File at the top. Then click the Batch Payment
on the menu at the left hand column and repeat the steps in section “5.11.5 Upload Payroll Instruction File” to complete the
Batch Payment Instruction.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
5.11.7 Approval of eCertificate Transactions
eCertificate users can approve the request of high-risk transactions.
53
1
Click the Pending
Transaction Number you
would like to approve.
2
After review of transaction
details, plug the USB
Security Token into
computer and click
Approve.
3
When the User
Authentication pops up,
enter the USB Security
Token password and
confirm to proceed.
華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
6) Security Tips
Despite the enormous efforts taken by the Bank, you are playing an important role to ensure the security of your system.
The following security tips are highly recommended:
1. Keep your User ID and PIN well to prevent them to be stolen.
2. For maximum protection, always exit the Services by using “logout” button.
3. Ensure nobody is watching you while input your User ID, PIN or any other sensitive personal information.
4. Change your User ID and PIN periodically. For example every 30 or 60 days.
5. Memorize your PIN and do not write it down.
6. Do not keep any written record of the User ID and PIN near the computer.
7. Change your PIN and check the security advice through our website (http://www.ocbcwhhk.com) from time to time.
8. Check your last login record every time you use Internet Banking Service.
9. Regularly check your account balances and statements. If any discrepancies or suspicious transactions found, report to
the Bank without delay.
10.If you suspect a website that is not owned by the Bank, please do not follow the instructions provided. Close the window
at once and report to the Bank.
11. Always contact us immediately if you lose your User ID or PIN, or suspect your Internet Bank account is stolen.
12. Logout the Services and clear browser cache after a banking session.
13. Do not disclose your User ID or PIN to anyone including the Bank staff (it is not necessary for the Bank staff to know your
PIN).
14. Do NOT allow others to use your User ID and PIN.
15. Do not write down or record the PIN without disguising it.
16.Do not use your Hong Kong Identity Card number, telephone number, date of birth, ATM PIN, Phone Banking PIN, etc. as
your PIN.
17. Use different User ID and PIN for bank and credit card sites. Do NOT use the same User ID and PIN of other website.
18. Do not access the Services by using personal computers, which are available for public access (e.g. Internet Cafe).
19. Do not install unlicensed software, which may contain bugs or viruses.
20. Never leave the Internet Banking service unattended after logging in.
21. Do not browser other website by opening a new session, while you are using the Services.
22.Do not use “Auto Complete” function provided by Internet Explorer or other software to remember your User ID or PIN.
23.Ensure the “File & Print sharing” is disable while online, especially connecting through broadband network.
24.Install anti-virus software in your personal computer and update the software regularly to ensure your personal computer
has the latest protection device.
25.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 selection of appropriate firewall, please contact your
software provider.
26.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.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited
27. You may verify the correctness of the Bank’s website by double-clicking the “Lock’” icon at the bottom bar of the screen,
where a server certificate issued by VeriSign will appear and the validity details of the certificate will be shown. You
should also check if the domain name belongs to one of the followings:
a. www.ocbcwhhk.com
b. ebanking.ocbcwhhk.com
28.Do not open email attachment from unknown, suspicious or unreliable sources and delete it immediately.
29.Be aware of scam emails which may pretend to be sent from your trusted business partners and friends. They were
designed to trap you into downloading a virus or visiting a fraudulent website and disclosing your sensitive information
including your User ID and PIN.
30.Do not send your User ID and PIN or other sensitive personal or financial information via Email. The Bank always uses
encrypted sites that are secure to receive the information.
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華僑永亨銀行有限公司
OCBC Wing Hang Bank Limited