Cash Withdrawal
Extensive Global ATM Network Provides Easy Access to Local Currency

With NCB ATM Card (“ATM Card”), you can withdraw cash from any ATM displaying the "JETCO" or "UnionPay" logo1. Enjoy cash withdrawal for HKD notes or RMB notes in Hong Kong and local currency overseas2.
Shopping Convenience
Handling Fee Waiver for Worldwide Card Spending

You can enjoy the spending spree and make purchase with the ATM Card through "EPS". Wherever and whenever you are in Hong Kong, Mainland China or overseas, you can shop easily with your ATM Card at merchants accepting "UnionPay"3. ATM Card charges HKD 0 handling fee for worldwide spending with fabulous offers!
Dual Currency Settlement3,4
Save Your Currency Conversion Costs

For cash withdrawal and spending transactions conducted through the "UnionPay" network, the transactions conducted in Hong Kong and overseas will be settled in Hong Kong Dollar whereas those transactions conducted in the Mainland China will be settled in RMB, saving your currency conversion cost.
Auto-transfer Service
Extra Convenience through Auto-transfer among Linked Accounts

You can enjoy greater flexibility by activating your "Auto-transfer Service"5 among accounts linked to your ATM Card. Whenever you withdraw cash or spend with your ATM Card through the "UnionPay" network, the transaction amount will be directly debited from your other account linked to your ATM Card if the outstanding balance of your transaction account is not sufficient.
Overseas ATM Cash Withdrawal
Safe and Secure Cash Withdrawal

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 period6 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.

Activation Steps
Internet Banking Mobile Banking ATMs


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

Other Self-service Banking Services
Comprehensive Banking Service for Greater Financial Convenience


Interbank Funds Transfer7 - Transfer money to other JETCO member banks in Hong Kong via JETCO ATMs marked with "Interbank Funds Transfer" logo. It's a simple and hassle-free way to transfer your funds.

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 Machine8 and HKD / RMB Cash Deposit Machine9 anytime.

View Electronic Transaction - 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.


  1. 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.

  2. Cash withdrawal for RMB notes in Hong Kong is subject to the availability of RMB cash withdrawal service by the ATM. Customers, who withdraw cash by using the ATM Card via non-Jetco ATM networks in Hong Kong or via ATM networks through "Jetco" or "UnionPay" outside Hong Kong, will be subject to a handling fee and the terms and conditions stipulated by the relevant banks and network provider(s). Depending on the currency of the transaction account, the handling fee per ATM cash withdrawal performed via "UnionPay" network is HKD / RMB 15 and via "Jetco" network in Mainland China or Macau is HKD 20.

  3. When customers withdrawal cash or make a purchase via the "UnionPay" network, the transaction amount will be deducted from the primary bank account of the ATM Card.

  4. 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"

  5. 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.

  6. 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.

  7. 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.

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

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

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.



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Card Information
《General Information》
General Banking Services Charges
Important Notice of ATM Card
《Debit Card Transactions Dispute and Chargeback Mechanism》

Security Tips
Check out the security tips to protect your accounts.

ATM locations
NCB ATM locations
ATMs support UnionPay worldwide

ATM Card 24-hour Customer Service Hotline
(852) 2616 6266