Act now to complete
identity verification

Complete eKYC

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
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:

  1. The Aggregated Account Balance Limit is the total amount of account balance of all of your Accounts.
  2. 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.
  3. 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.

Tutorial

Complete digital ID verification

Upgrade to Pro account tier^

Simulated screen content is for reference only.

By “iAM Smart”

Tap the “gear” icon on the top right corner to open settings
Tap “Account Upgrade”
Tap “iAM Smart”
Select your nationality
Complete identity verification via “iAM Smart”
Enter your residential address and tap “Next”
Confirm your residential address and tap “Next”
Done

Tap the “gear” icon on the top right corner to open settings

Tap “Account Upgrade”

Tap “iAM Smart”

Select your nationality

Complete identity verification via “iAM Smart”

Enter your residential address and tap “Next”

Confirm your residential address and tap “Next”

Done