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BOC Mobile Banking Service FAQ

1. What is BOC Mobile Banking Services?

BOC Mobile Banking Services (“Mobile Banking”) provides general banking and investment services through the mobile network. The simple and user-friendly interface gives you unrivaled convenience and flexibility to manage your banking operations with your mobile devices anywhere, anytime.

2. How do I apply for BOC Mobile Banking Services?

If you are our e-Banking Services user, you can use our BOC Mobile Banking Services without any additional application. If you are currently not our e-Banking Services user, you are welcome to visit any of our branches for application. You are eligible to apply the service if you have a savings/current account with our bank.

3. How can I activate BOC Mobile Banking Services?

No activation is required. For existing e-Banking Services customers to access Mobile Banking, simply login with your e-Banking Services number & password or with your BOC Online Banking Personal Services (BOCNET) username & password, and confirm the acceptance of the terms and conditions for using BOC Mobile Banking Services. If you have not yet applied for our e-Banking Services, please visit any of our branches.

4. How can I login to BOC Mobile Banking Services?

Please visit our official website at www.bocmacau.com and press “BOC Mobile Banking Services” button or directly access the URL https://mbs.bocmacau.com from your mobile handset. You may use your e-Banking Services number and e-Banking Services Password, or BOCNET Username and password to login.

5. What’s the Transaction Password? Where can I learn my Transaction Password?

Transaction Password is needed for enhancing the authentication to sensitive transactions. BOC Mobile Banking Services and BOC Online Banking Personal Services (BOCNET) share the same Transaction Password. If you are not existing BOCNET user, you will be prompted to create a new Transaction Password during your first-time login to Mobile Banking. On the other hand, if you are already a BOCNET user the Transaction Password will be your BOCNET Transaction Password. If you have forgotten your BOCNET Transaction Password, please visit any of our branches for re-issuance.

6. Do I need to install designated software for using BOC Mobile Banking Services?

No, software installation is not required. You can simply access BOC Mobile Banking Services with mobile web browser and internet connection via your mobile handset.

7. Can I access BOC Mobile Banking Services on any mobile handsets?

BOC Mobile Banking Services is generally supported on mobile handsets that support JavaScript and use web browser to connect internet.

8. Do I need to use any particular mobile network operator?

BOC Mobile Banking Services can run on any mobile network operators that provide 3G services. However, you are advised to pay attention to the potentially additional data charges imposed by the service providers, especially for roaming data charges.

9. Can I access BOC Mobile Banking Services over Wi-Fi connection?

You can, but you have to avoid using public wireless networks and non-password-protected wireless networks to login BOC Mobile Banking Services. Trusted and password-protected wireless networks are suggested for login to BOC Mobile Banking Services. Please note that in some cases, additional Wi-Fi charges may apply. Please contact Wi-Fi provider.

10. Can I access BOC Mobile Banking Services with Mobile Prepaid Service?

You can, but you should pay attention to the charges incurred by the additional data usage.

11. What services are available on BOC Mobile Banking Services?

The following services are available:

  •  Account Enquiry
  •  Transfer
  •  Account Transaction History Enquiry
  •  Stock Trading
  •  HKD-FX Margin Trading
  •  Bill Payment
  •  Fixed/Special Deposit Services
  •  eIPO
  •  Donations
  •  Password and Phone Number Change

 

12. Can I access BOC Mobile Banking Services overseas?

Yes, you can access our BOC Mobile Banking Services wherever you can have a mobile internet connection via your mobile handset. However, please note that in such case, roaming data charges may apply. For details, please contact your mobile network service providers.

13. What do I need to pay attention to while using BOC Mobile Banking Services?

For the sake of your account safety, please do not login BOC Mobile Banking Services through embedded links in any e-mails or SMS. Only enter your personal password on our site after choosing 'BOC Mobile Banking' on http://www.bocmacau.com or by directly inputting the URL https://mbs.bocmacau.com .

For protecting your own privacy, please do not disclose to any parties for your e-Banking Services number, or BOC Online Banking Personal Services User Name and password. You are also recommended to change your password from time to time for security reasons.

Please do not leave your mobile device alone when it is in use.

Upon completion of your transactions, please remember to logout from BOC Mobile Banking Services before browsing other websites.

Avoid using public Wi-Fi and non-password-protected wireless networks to login to BOC Mobile Banking Services. We suggest using trusted and password-protected wireless networks instead.

We suggest you to close the browser after your logout from BOC Mobile Banking Services. Beside, you must also delete the temporary and historical data stored in your browser.

For security reason, if you stay on a screen inactively for more than 7 minutes, your BOC Mobile Banking Services connection will be suspended and a screen will come up with this message: "Login or Connect has failed.". When this happens, you are required to re-enter your User Name and password to re-login in order to continue using the service.

14. What should I do when I have forgotten my login password?

In order to login to BOC Mobile Banking Services, you need your login password. If you have forgotten your password, please visit any one of our branches during our office hours for the re-issuance of the password.

15. What is the service charge for BOC Mobile Banking Services?

The use of BOC Mobile Banking is free of charge. However, for some of the transactions, there may be a service charge or commission fee. For more information about this issue, please make inquiries to our bank. Also, please note that your mobile network service provider may charge you for the data usage incurred by using BOC Mobile Banking Services, so please pay attention to the charging scheme of your data plan subscribed from your service provider, especially for roaming data charges of overseas usage.

16. What are the DAILY limits for fund transfer through BOC Mobile Banking Services?

For transfers between your own accounts, each transaction limit is HKD 8,000,000.00 equivalent if it involves foreign exchange.

If the transfers involve foreign currency exchange against Macau Pataca, the transaction limit will be an accumulated amount of HKD8,000,000.00 equivalents per user per day. This accumulated amount of HKD8,000,000.00 is the total amount allowed for all exchange transactions through all e-Banking Services channels (including BOC Online Banking Personal Services, Mobile Banking or Service Hotline).

If the fund transfer is to any registered third party account (only for account opened with BOC), the transaction limit will be an accumulated amount of HKD1,000,000.00 equivalents per third party account per day. This accumulated amount of HKD1,000,000.00 equivalents is the total amount allowed for all transactions through all e-Banking Services channels (including BOC Online Banking Personal Services, Mobile Banking or Service Hotline).

If the fund transfer is to any non-registered third party account, the total amount of all such transactions will be an accumulated amount of HKD1,000,000.00 equivalents per day. This accumulated amount of HKD1,000,000.00 equivalents is the total amount allowed for all transactions through BOC Online Banking Personal Services (BOCNET) and BOC Mobile Banking Services, including instantly posted transfer and the pre-scheduled transfer that is being executed on the same day.

17. How can I confirm the transactions are successfully accepted by BOC Mobile Banking Services?

Under normal circumstances, upon the completion of each online financial transaction, we will issue a message to you to confirm the completion of such transaction. During the transaction process, if unfortunately your mobile device breaks down or the internet connection drops, you can still check the transaction result by reviewing your account balance or transaction records. For any question, you can simply call our Service Hotline at (853)888 95566.

18. What will happen if I have entered an incorrect login password for several times?

If you enter incorrect login passwords for 5 consecutive times, your BOC Mobile Banking Services will be suspended in this day for security reason. If you enter incorrect login passwords consecutively over 15 times, your account will be locked, and you will have to visit any one of our branches for resuming your BOC Mobile Banking Services.

19. Is BOC Mobile Banking Services securing?

BOC Mobile Banking Services offers different kinds of security measures to safeguard your financial information:

Two-factor authentication / Double Password Protection

1. When you apply for e-Banking Services, you can also request two-factor authentication with indication of adopting two-factor authentication login to BOC Online Banking Services as well as BOC Mobile Banking Services. Upon each login, you will be requested not only to input your user name and your login password, but also the One-Time-Password (OTP) generated from the two-factor authentication tools (e.g. e-Token) for your login to BOC Online Banking Services or BOC Mobile Banking Services. This enhances the protection of your financial information. In addition, some transactions, such as transfer to non-registered third party accounts, also require you to enter the OTP password for transaction confirmation. This ensures your online transactions are best protected.

2. Even if you have not applied for the use of two-factor authentication tools, you are required to enter a correct login password when you login BOC Mobile Banking Services every time. Besides, when you perform transactions involving fund transfers to any third party, you will be required to enter a transaction password that was set upon your service application.
Application of Secure Socket Layer (SSL) 128-bits Encryption Technique

1. SSL is an international well-proven standard employed to ensure information confidentiality over the Internet. All information transmitted between your devices and our BOC Mobile Banking Services through the Internet network is securely encrypted by using SSL 128-bits encryption technique.

Automatic Termination for Idle Connection

1. For security reasons, if you stay on the same screen inactively for a long period, your communication session to our BOC Mobile Banking Services will be terminated automatically. Then, you are required to re-enter your user name and your login password to re-login in order to continue using our BOC Mobile Banking Services.

20. How to use BOC Mobile Banking Services securely?

Please refer to the "Security Tips" for more information. The content contains instructions on safe use of Internet banking and Mobile banking, and also other information about online security. You can follow the recommendation to introduce more security measures to enhance internet security and be more protected.

21. How can I ensure the authenticity of the web page for the BOC Mobile Banking Services?

After you reach the login page of BOC Mobile Banking Services, you will be prompted to enter your e-Banking Services user no. or your BOC Online Banking Services user name and login password. Before logging in, you can click the small icon of a lock or a key on your browser window (different mobile handsets may show the icon at different location). A certificate verifying the authenticity of the page will be shown. You may also refer to “Security Tips” for more details.

The certificate of BOC Mobile Banking Services is issued by the VeriSign to "mbs.bocmacau.com, Bank of China, Macau Branch". No issues will be detected by browser when validating the certificate, if not, please take care in your mind.

Please contact us via Service Hotline (853) 888 95566, if have any questions.

22. Is there any limit on the transaction amount for Bill Payment through BOC Mobile Banking Services?

Other than credit card payments, there is no upper limit for all other Bill Payments. The upper limit for each user to perform HKD/MOP credit card payments through e-Banking Services (including BOC Online Banking Personal Services, Mobile Banking and Service Hotline) is HKD/MOP150,000 per day. Nevertheless, there is no upper limit for RMB credit card payment.

23. How can I apply for the RMB deposit service?

You are welcome to open RMB deposit account (Savings or Fixed deposits) at any of our branches. Upon successful application, you can use the transfer function in our BOC Mobile Banking Services to perform RMB deposit transactions. If you select to perform RMB Fixed Deposit transactions, withdrawal must be made from the multi currencies savings account, and the principal and interest will be deposited into the same account with the original currency.

24. What is the amount limitation for RMB business?

The transaction amounts for RMB business have the follow limitation:

1. For Deposit into / Withdraw from account via exchange, the transaction amount must not be more than RMB 20,000 equivalent per day / per person.

25. If a call comes in, will BOC Mobile Banking Services be interrupted?

It will depend on the functionality of different mobile handsets. You can check your browser to see if the login session is still valid. Please be reminded that if you stay on a screen inactively for 7 minutes, your BOC Mobile Banking Services will logout automatically.

26. Will the processing speed of BOC Mobile Banking Services be slow?

Our Mobile Banking adopts simple design in order to cut down the data flow and loading time. Regularly, BOC Mobile Banking Services works very efficiently except some unpredicted external circumstances. For example, the network coverage in different regions, the data transmission speed through the networks of mobile network operators and the receiving and processing capability of various mobile handset models, etc, are all possible factors affecting the processing speed. Please consult your mobile network service provider for more info regarding the data processing capability of the mobile network.

27. Can I change my Macau mobile phone number for receiving my transaction messages via BOC Mobile Banking Services?

You can change your mobile phone no. registered in our record at anytime through the “Personal Assistant” option of BOC Mobile Banking Services. Please be aware that once you have updated this mobile phone number, all SMS messages issued from our various services, including the SMS notices of the BOC Card POS/ATM transactions, stock trading SMS confirmations, BOC promotional SMS messages and so on, will be sent to this new mobile number.

28. If I still have other issues regarding the use of BOC Mobile Banking Services, what should I do?

You are welcome to visit any of our branches within during our office hours, or call our Service Hotline (853)888 95566. You may also send e-mail to its@bocmacau.com for inquiry.

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