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 (with effect from 1 October 2024)
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	Unlimited (HKD1,200,000 with effect from 1 October 2024)
Monthly Aggregated Peer-to-Peer Transfer-Out Limit^(c)	Not applicable	-	-	-	HKD 200,000 (with effect from 1 October 2024)
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
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	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	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
Installment Plan (provided by HKT Flexi) HKT Flexi Limited (“HKT Flexi”) (Money Lender’s Licence Number: 1150/2023). Enquiry and Complaint Hotline: 2888 2258 Warning: You have to repay your loans. Don't pay any intermediaries	NA	NA	Yes^** (Aged 18 or above)	NA	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.

^**All loan approvals are subject to the final decision of HKT Flexi. In the event of dispute, decisions made by HKT Flexi shall be final and conclusive.

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, transfer through designated banks and top-up from HKT Flexi Limited.
Limit amount in Hong Kong Dollar or its equivalent. Monthly limit is based on calendar month. Annual limit is based on calendar year. Each Transfer-Out Limit or Merchant Payment Limit is subject to the available balance of your Account.