Act now to complete
identity verification

Complete digital ID verification

Complete digital ID verification to upgrade Tap & Go account to Pro account tier^{^}.

You can complete identity verification by using “iAM Smart”.

^{^}Customer under 18 years old will be upgraded to Plus (ii) account tier.

Please refer to the following table for the functions of different Tap & Go account tiers:

	Lite	Lite +	Plus (i) (aged 11 or above)	Plus (ii) (aged between 11 and 17)	Pro
Account requirements For detail, please refer to Terms and Conditions
	Registered with mobile number	Submitted identity document via the mobile wallet before 13 Dec 2021	Submitted identity document via the mobile wallet before 13 Dec 2021 and make a transfer from your e-banking account to your Tap & Go account on or before 31 Dec 2022	On or after 13 Dec 2021, complete the identity verification via the mobile	Complete the identity verification via the mobile
Account Balance, Top-Up, Peer-to-Peer Transfer-Out, FPS Cross-border Merchant Payment Amount
Maximum Aggregated Account Balance Limit^(a)	HKD 3,000	HKD 3,000	HKD 100,000 (HK$3,000 if aged between 11 and 17)	HKD 3,000	HKD 200,000
Daily Aggregated Top-Up^(b) Limit^(c)	HKD 25,000	HKD 25,000	HKD 38,000 (HK$25,000 if aged between 11 and 17)	HKD 25,000	HKD 200,000
Monthly Aggregated Top-Up^(b) Limit^(c)	-	-	-	-	HKD 200,000
Annual Aggregated Top-Up^(b) Limit^(c)	HKD 25,000	HKD 25,000	HKD 100,000 (HK$25,000 if aged between 11 and 17)	HKD 25,000	HKD 1,200,000
Monthly Aggregated Peer-to-Peer Transfer-Out Limit^(c)	Not applicable	-	-	-	HKD 200,000
Daily Aggregated FPS Cross-border Merchant Payment Limit^(c)	Not applicable	HKD 10,000	HKD 10,000	HKD 10,000	HKD 10,000
FPS Cross-border Merchant Payment Minimum Transaction Amount	Not applicable	HKD 1	HKD 1	HKD 1	HKD 1
Aggregated Weixin Pay Merchant Payment Limit^d	Not applicable	Daily CNY 10,000	Daily CNY 10,000 Monthly CNY 50,000 (aged 18 or above)	Daily CNY 10,000	Daily CNY 10,000 Monthly CNY 50,000 Annually CNY 350,000
Available Currencies
HKD	Yes	Yes	Yes	Yes	Yes
RMB	NA	Yes	Yes	Yes	Yes
In-App conversion (HKD ⇔ RMB)	NA	Yes	Yes	Yes	Yes
Payment
QR code payment function in Tap & Go wallet - scan QR code to make payments to merchants within Hong Kong who accept: Tap & Go Faster Payment System (FPS) UnionPay	Yes (except UnionPay)	Yes	Yes	Yes	Yes
QR code payment function in Tap & Go wallet - scan QR code to make payments to merchants outside of Hong Kong (excluding Mainland China) who accept: FPS x PromptPay QR payment UnionPay QR payment function	NA	Yes	Yes	Yes	Yes
QR code payment function in Tap & Go wallet - scan QR code to make payments to merchants in Mainland China who accept: UnionPay QR payment function Weixin Pay QR code displayed by merchants in Mainland China^* (supported through UnionPay QR payment function on Tap & Go) ^*UnionPay QR code payment function on Tap & Go does not currently support the scanning of Weixin Pay QR code that is linked to the merchants’ individual accounts or is displayed by online stores. Payment involving Weixin Pay QR code is further subject to the setting of the relevant merchants and payment schemes.	NA	Yes	Yes	Yes	Yes
QR code payment function in Tap & Go wallet - show QR code to make payments to merchants within Hong Kong who accept Tap & Go	Yes	Yes	Yes	Yes	Yes
QR code payment function - show QR code to make payments to merchants who accept UnionPay	NA	Yes	Yes	Yes	Yes
Pay Bills (currently available for fee payment of the services provided by PCCW Group or its subsidiaries (including HKT Group companies))	Yes	Yes	Yes	Yes	Yes
Pay by Mastercard or UnionPay	NA	Yes	Yes	Yes	Yes
FPS (Faster Payment System) – via Pay a Friend, e-Laisee function	NA	NA	Yes	Yes	Yes
Pay a Friend, e-Laisee function – transfer between Tap & Go accounts	NA	Yes	Yes	Yes	Yes
Top Up
FPS – via mobile number & email address	NA	Yes	Yes^*	Yes^*	Yes^*
FPS – via Tap & Go account number	Yes	Yes	Yes	Yes	Yes
Pay a Friend, e-Laisee function – transfer between Tap & Go accounts	Yes	Yes	Yes	Yes	Yes
Cash Top Up	Yes	NA	Yes	Yes	Yes
EDDA (Electronic Direct Debit Authorization)	NA	Yes	Yes	Yes	Yes
Others
PayMaster	NA	NA	Yes	Yes	Yes
Share Bill (usage applicable amongst Tap & Go accounts)	Yes	Yes	Yes	Yes	Yes
Remittance (provided by Western Union)	Yes	Yes	Yes	Yes	Yes

^*Registration with mobile number or email in FPS setting in Tap & Go wallet is required.

Notes:

The Aggregated Account Balance Limit is the total amount of account balance of all of your Accounts.
Top-Up includes top-up or funds received in your Account by way of cash top-up at designated merchants, Peer-to-Peer transfer and transfer through designated banks.
Limit amount in Hong Kong Dollar or its equivalent. Monthly limit is based on calendar month. Annual limit is based on calendar year. Each Peer-to-Peer Transfer-Out Limit or Merchant Payment Limit is subject to the available balance of your Account.
Monthly limit is based on calendar month. Annual limit is based on calendar year. Merchant Payment Limit is subject to the available balance of your Account.