The overseas ATM daily withdrawal limit of ATM Card has been pre-set at "zero" HKD for security reasons. For security purpose, only activate the “Overseas ATM Cash Withdrawal” function before departure by setting the daily cash withdrawal limit and validity period⁷ through our designated channels including Internet Banking, Mobile Banking, ATMs and 24-hour customer service hotline to enjoy cash withdrawal service when you are abroad.

Internet Banking	Mobile Banking	ATMs

Before departure, visit the "UnionPay" website to find out the latest prevailing exchange rate and ATM location.

Intrabank Transfer - Transfer funds between accounts linked to the same ATM Card or other NCB accounts via NCB ATMs. Funds will be credited to the beneficiary accounts instantly under normal circumstances.

Interbank Funds Transfer⁸ - Transfer money to other JETCO member banks in Hong Kong via JETCO ATMs marked with "Interbank Funds Transfer" logo. Transaction funds may not be deposited into the payee's account on the same day. The receiving bank may credit received funds to the payee’s account at a different time. Please contact the receiving bank for enquiries on its crediting time.

Bill Payment - Pay bills via ATMs marked with "Jet Payment" logo, or by registering for the payment service at the terminals displaying "PPS" logo.

Cash and Cheque Deposit - Enjoy unparalleled convenience at NCB Cheque Deposit Machine⁹ and HKD / RMB Cash Deposit Machine¹⁰ anytime.

View Electronic Transaction¹¹ - Login to Internet Banking, Mobile Banking or via the “Account Binding Function” on WeChat ID : “NCB_HK” to verify your ATM cash withdrawal or spending records once completed the transaction with no hassle at all.

Click here to view the details of ATM services

Risk Disclosure:

1. RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.

2. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

Remarks:

1. For ATM Card service application or ATM Card replacement, the ATM Card will automatically be delivered by ordinary mail (charge waived). If necessary, customer may request the card to be delivered by registered mail or courier (charge applies). The postage fee (at the actual expense of the Bank) will be debited from customer’s application account. For details, please visit (1) Registered mail: https://www.hongkongpost.hk/tc/home/index.html and (2) Courier: https://www.dhl.com/discover/zh-hk.

2. The minimum cash withdrawal amount is HKD300 for "Jetco" ATM. For cash withdrawal with RMB conversion, the maximum amount is RMB20,000 per transaction. Please refer to the "General Information" for details of ATM Card daily cash withdrawal limit, purchase, funds transfer and payment limit.

3. When customers conduct foreign currency transactions at ATMs/ point-of-sale terminal of “UnionPay” or “JETCO” network (including cash withdrawal via ATMs, card spending and etc), the transaction amount will be directly deducted from the relevant account of ATM Card. The exchange rate between the transaction currency and Hong Kong Dollar/ Renminbi (depending on the currency of transaction account) will be determined by the relevant network /acquirer bank/the bank at the time of the transaction.
   For details on the exchange rates of the "UnionPay" network, customers may visit https://www.unionpayintl.com/hk/.
   For details on the exchange rates of the "JETCO" network, customers may call the “JETCO” service hotline at (852) 2520 1747 for inquiries.

4. Customers may withdraw cash from "UnionPay" or "JETCO" ATMs in Hong Kong or overseas. However, the types of notes supported by ATMs may vary. Please refer below table for details on the handling fee for cash withdrawal via ATMs of different networks.

   	JETCO network	UnionPay network
   Handling fee per cash withdrawal in Hong Kong	Free	HKD or RMB 15 (depending on the currency of the transaction account)
   Handling fee per cash withdrawal outside Hong Kong	HKD 20	HKD or RMB 50 (depending on the currency of the transaction account)

5. Both HKD and RMB accounts are required to be linked to your ATM Card for Dual Currency Settlement. If all the accounts in the ATM Card are either Hong Kong Dollar accounts or Renminbi accounts and where the transaction currency is different from the transaction account, currency exchanges and related handling charges will be applied. Please refer to "General Banking Services Charges"

6. Customers are required to activate Auto-transfer Service at any of our branches. Account selection is not available at some ATMs as well as some point-of-sale. Where there are only RMB or HKD accounts linked to your ATM Card and where Auto-transfer Service has not been activated, the first account in the card will automatically become your settlement account.

7. While activating the Overseas ATM Cash Withdrawal function, you could set an overseas ATM cash withdrawal limit that is lower than the limit for local cash withdrawal according to your needs and set the start date and end date for the activation period according to the travel date(s). Activation is not required for cash withdrawal transactions performed at some ATMs marked with "JETCO" logo in the Mainland China and Macau. With effect from 30 August 2020, customers are required to use two-factor authentication for identity verification when conducting "Set up Overseas ATM Cash Withdrawal" through Internet or Mobile Banking.

8. This service is only applicable for HKD. For details of JETCO member banks that provide Interbank Transfer Services, please refer to JETCO website: www.jetco.com.hk.

9. Funds for deposited cheque(s) (including cheque, gift cheque and cashier’s order denominated in HKD) will only be available upon completion of verification as well as clearing process.

10. The daily maximum cash deposit amounts are HKD100,000 and RMB 20,000 respectively.

11. Upon ATM Card transaction dispute, for example, disputed transaction on bank statement/ electronic record or merchant failed to provide services, customers can apply for transaction dispute and request a chargeback (Details refer to Debit Card Transactions Dispute and Chargeback Mechanism).

General Terms:

• The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of the Bank.

• The Bank reserves the right to amend, suspend or terminate the above products, services and offers, and to amend the relevant terms at any time at its sole discretion without prior notice.

• In case of any dispute, the decision of the bank shall be final.