Account requirements For detail, please refer to Terms and Conditions |
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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 |
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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
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HKD
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Yes
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Yes
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Yes
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Yes
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Yes
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RMB
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NA
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Yes
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Yes
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Yes
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Yes
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In-App conversion (HKD ⇔ RMB)
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NA
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Yes
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Yes
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Yes
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Yes
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Payment
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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
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Yes (except UnionPay)
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Yes
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Yes
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Yes
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Yes
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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
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NA
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Yes
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Yes
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Yes
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Yes
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QR code payment function in Tap & Go wallet - scan QR code to make payments to merchants in Mainland China who accept:
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NA
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Yes
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Yes
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Yes
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Yes
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QR code payment function in Tap & Go wallet - show QR code to make payments to merchants within Hong Kong who accept Tap & Go
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Yes
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Yes
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Yes
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Yes
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Yes
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QR code payment function - show QR code to make payments to merchants who accept UnionPay
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NA
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Yes
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Yes
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Yes
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Yes
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Pay Bills (currently available for fee payment of the services provided by PCCW Group or its subsidiaries (including HKT Group companies))
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Yes
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Yes
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Yes
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Yes
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Yes
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Pay by Mastercard or UnionPay
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NA
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Yes
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Yes
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Yes
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Yes
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FPS (Faster Payment System) – via Pay a Friend, e-Laisee function
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NA
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NA
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Yes
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Yes
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Yes
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Pay a Friend, e-Laisee function – transfer between Tap & Go accounts
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NA
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Yes
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Yes
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Yes
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Yes
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Top Up
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FPS – via mobile number & email address
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NA
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Yes
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Yes*
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Yes*
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Yes*
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FPS – via Tap & Go account number
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Yes
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Yes
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Yes
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Yes
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Yes
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Pay a Friend, e-Laisee function – transfer between Tap & Go accounts
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Yes
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Yes
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Yes
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Yes
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Yes
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Cash Top Up
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Yes
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NA
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Yes
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Yes
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Yes
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EDDA (Electronic Direct Debit Authorization)
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NA
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Yes
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Yes
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Yes
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Yes
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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
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NA
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NA
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Yes** (Aged 18 or above)
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NA
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Yes
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Others
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PayMaster
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NA
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NA
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Yes
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Yes
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Yes
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Share Bill (usage applicable amongst Tap & Go accounts)
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Yes
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Yes
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Yes
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Yes
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Yes
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Remittance (provided by Western Union)
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Yes
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Yes
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Yes
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Yes
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Yes
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