Faster Payment System (FPS) | Payments & Transfers | Online Bill Payments

Enjoy upgraded payment and transfer
services with Faster Payment System

Making your payments and money transfers easy

Citi now connects to the Faster Payment System (FPS). You can receive or transfer funds to/from any local bank instantly with just a mobile number via the Citi Mobile^® App or Citibank Online!

What's more, you can make payments even easier with two new features - an Autopay platform that enables you to set up and manage automatic payments to various merchants in one-go, plus "Citi Scan and Pay" to make or receive payments anytime anywhere.

Bringing you an easier transfer & payment experience

Easy and Convenient - Receive or transfer funds with just a mobile number/email address/FPS identifier¹
24/7 No-fee Instant* Interbank Transfers - Make HKD or CNY transfers to any local bank account at no charge²
Autopay Platform - Set up and manage automatic payments to various merchants or government agencies
Scan & Pay (Coming soon) - Scan the QR code on your mobile phone to make a payment anytime anywhere

Local Transfers

Transfer with an Account Number

Instant transfer between your own Citibank accounts
Instant transfer to your own Citi Credit Card accounts to settle your statement balance
Instant transfer to a registered third party's Citibank account
Transfer to a registered other local bank account: Instant transfer of funds in HKD and CNY, and same day⁵ transfer of funds in USD and EUR
Set up future dated or recurring transfers

FPS Transfer

Instant transfer of funds in HKD and CNY to any other local bank with a mobile number/ email address/ FPS identifier (Registered or Non-registered account)

To non-registered account: Up to HK$10,000³ daily
To registered account: Up to HK$1,000,000⁴ daily

To receive funds with a mobile number, please follow the below steps to register and link your mobile number to your account.

To receive funds with an email address, click here to view demo.

After logging in, tap > Manage Payments/Payees > FPS Addressing Service
Tap "Mobile Number"
Select the account you want to link to and funds will be deposited to this account
Enter the One-time Password from the SMS sent to your registered mobile number
Done. You can now receive funds with a mobile number

After logging in, tap > Manage Payments/Payees > FPS Addressing Service
Tap "Mobile Number"
Select the account you want to link to and funds will be deposited to this account
Enter the One-time Password from the SMS sent to your registered mobile number
Done. You can now receive funds with a mobile number

Please follow the below steps to transfer funds in HKD or CNY with a mobile number/ email address/ FPS identifier via the Citi Mobile App.

You can transfer funds of up to HK$10,000³ (or equivalent) daily without adding the recipient as a payee in advance. To transfer funds of above such an amount⁴, simply add the recipient as a registered account directly via the app. Click here to learn how to add a new payee.

Tap Payments > "FPS" after logging in
Select an account to be paid from
Tap "Pay to" : Select Registered payee OR Select Non-registered payee>
Mobile number/Email address/FPS identifier
Input mobile number/email address/FPS identifier
(You don’t need to input if you transfer to a registered payee)
Select currency (either HKD/ CNY) and input amount
Verify the details and tap “Confirm”
Input Citi Mobile Token Unlock Code or the One-time Password from the SMS for authentication
The transfer is completed!

Tap Payments > "FPS" after logging in
Select an account to be paid from
Select the account you want to link to and funds will be deposited to this account.
Tap "Confirm"
Input mobile number/email address/FPS identifier
(You don’t need to input if you transfer to a registered payee)
Select currency (either HKD/ CNY) and input amount
Verify the details and tap “Confirm”
Input Citi Mobile Token Unlock Code or the One-time Password from the SMS for authentication
The transfer is completed!

Useful Tips

To transfer funds to your payee with a mobile number/ email address, you do not need to register. However, your payee must register that mobile number/ email address with the FPS service first to link an account to receive funds.
Fund transfers are subject to a daily transfer limit. Click here to find out more.
If you do not wish to make a transfer to any non-registered payee (including transfer via the Citi JETCO Pay app), please complete and submit the form to decrease the daily transfer limit to HK$0 for all non-registered accounts.
If you wish to receive funds from other local banks:

Simply link your mobile number/email address to your Citi account via FPS Addressing Service; or
You can set up a transfer instruction using the Bank Code (250), Branch Code (390) in addition to your account name and account number.

Overseas Transfers

Citibank Global Transfer

Instant transfer to overseas Citibank accounts in designated countries

Click here for details

Telegraphic Transfer

Transfer to other overseas bank accounts

Useful Tips

You will need to add the new payee in advance for overseas transfers. Click here to learn how to add a new payee via the Citi Mobile App.
Handling fees⁶ are applicable to overseas transfers via Telegraphic Transfer. You can choose to deduct the charges from your Citibank account in addition to your transferred amount or from the transferred amount sent to the beneficiary.
Fund transfers are subject to a daily transfer limit. Click here to find out more.
Future dated or recurring transfers are not applicable for overseas transfers.
If you need to receive funds from an overseas bank, you might need the following in addition to your account name and account number:

Bank Code : 250
Branch Code : 390
SWIFT Code : CITIHKAX

Bill Payments

With your Citibank account or Citi Credit Cards, you can:

Settle your bills with a wide range of merchants, including utilities, tax payments, telecommunications, government and charities. Click here for the merchant list.
Set up instructions for regular recurring payments to avoid being overdue
Online demo for bill payment: Pay tax

Useful Tips

You can pay the following designated merchants directly via Citi Mobile App without having to add them as a new payees. Designated merchants categories include: Government or Statutory Organization , Tax, Business Registration or Stamp Duty, Public Utility, Kindergarten, Primary or Secondary Education and Post-secondary or Specialized Education.
If you would like to pay other merchants or pay via Citibank Online, simply add the merchant as a new payee. Before you do this, you will need to activate the Citi Mobile Token in advance. Click here to learn more about Citi Mobile Token.
Fund transfers and bill payments are subject to a daily transfer limit. Click here to find out more.

Autopay Service (eDDA)

Autopay (Direct debit authorization, eDDA)

With your Citibank banking account, you can:

Set up and manage autopay instructions, settle payments to third parties to avoid payment overdue.
Make payments to merchants, government agencies.
Modify or cancel your autopay instructions anytime.

How to set up an autopay instruction via Citi Mobile App

Select Payments & Transfers > Autopay from the side menu after logging in
Tap New Autopay > Account number
Enter autopay details:
Input payee's name
Tap "Bank" to search payee's bank
Input payee's branch code and account number
Input debtor's reference
Verify details and tap "Confirm"
(Reminder: You can amend the default setting by tapping respective items)
Enter your Citi Mobile Token Unlock Code*
Your autopay instruction is submitted

*You need to enable the Citi Mobile^® Token in order to submit an autopay instruction. Click here to view demo

Select Payments & Transfers > Autopay from the side menu after logging in

Tap

New Autopay > Account number

Enter autopay details:
• Input payee's name
Enter autopay details:
• Tap "Bank" to search payee's bank
Enter autopay details:
• Input payee's branch code and account number
Enter autopay details:
• Input debtor's reference
Verify details and tap "Confirm" (Reminder: You can amend the default setting by tapping respective items)
Enter your Citi Mobile Token Unlock Code*
Your autopay instruction is submitted

*You need to enable the Citi Mobile^® Token in order to submit an autopay instruction. Click here to view demo

Useful Tips

To set up autopay to pay government or public utility bills, you have to input payee's account information.
Below information is for your reference:

Recipient	Payee Name	Bank (Input number to search)	Branch Code/ Account no.	Debtor's reference
Public Utility
The Hong Kong Electric Company Limited	The Hong Kong Electric Co. Ltd.	004	002/ 220457001	Account no. of the supply address shown on the electricity bill
CLP Power Hong Kong Ltd	CLP Power Hong Kong Limited	004	002/ 208239002	Electricity Account No. shown on your electricity bill
The Hong Kong and China Gas Company Limited	The Hong Kong and China Gas Company Limited	004	002/ 220143007	Gas Account No.
Government
HKSAR(Water & Sewage Charges)	The Government of the Hong Kong Special Administrative Region	004	002/ 900439001	11-digit Account Number as shown on the water bill
HKSAR(Rates/ Government Rent)	Director of Accounting Services	004	002/ 900413001	15-digit Account Number as shown on the demand note for rates and/or Government rent
HKSAR(Government Rent)	The Government of the Hong Kong Special Administrative Region	004	002/ 900421001	Government Rent reference

Security measures

To provide you comprehensive security protection when you set up an Autopay instruction (eDDA) to debit a Citibank account for payment, the following authentication processes are required. All eDDA will not be effective until it has been successfully authenticated.

Set up an eDDA via our Citi Mobile App or Citibank Online: Before submitting the eDDA instruction, you are required to enter Citi Mobile Token Unlock Code (set up via Citi Mobile App) or perform transaction signing (set up via Citibank Online).
Set up an eDDA via a Stored Value Facility (SVF) operator's or another bank's platform: We will send you an SMS notification, requesting you to log on to the Citi Mobile App or Citibank Online to confirm the eDDA. This eDDA will be automatically cancelled if it is not confirmed within 5 days.
Steps to confirm an eDDA via Citi Mobile App
Log on to the Citi Mobile App

Tap Payments > “Autopay Services”

Tap the record under section "REVIEW REQUIRED"

Enter Citi Mobile Token Unlock Code for authentication

FAQ

Common questions

Do I need to register with the FPS addressing service in order to receive or transfer funds with a mobile number/ email address/ FPS identifier?

Can I register with the FPS addressing service using a mobile number of another country?

Can I register with the FPS addressing service and link the same mobile number or email address to accounts in more than one bank for receiving funds?

When will the payee receive funds?

Can I transfer funds in an overseas account through FPS?

Can I transfer foreign currencies to other local banks by FPS?

What is the maximum daily transfer limit for FPS transfers?

FPS is a financial infrastructure which connects banks and stored-value facilities (SVFs) in Hong Kong, enabling customers to transfer funds to different banks/ SVFs instantly on a round-the-clock basis. Therefore, transfer amount of FPS transfers will also be aggregated and are subject to the current daily transfer limits for fund transfers to registered accounts or non-registered accounts made through Citibank Online, Citibank Mobile, Citi JETCO Pay, Citibank ATM and Automated CitiPhone Banking.

If customers have never adjusted their daily transfer limits, the maximum daily transfer limit will be the same as the default amount listed below:

Transfer To	Transfer Channel	Default daily transfer limit (HKD)
Non-registered accounts	Citibank Online Citibank Mobile Citi JETCO Pay	10,000
Registered Accounts - Local Inter-bank Funds Transfer or transfer to third party's Citibank Accounts	Citibank Online Citibank Mobile Citibank ATM Automated CitiPhone Banking	1,000,000

Can I transfer funds to a payee whose mobile number is not a local mobile number?

View more - Choose a topic

FPS Registration

Transfer funds to other banks through FPS

1. What are the operating hours of FPS?

2. When will the payee receive funds?

3. Can I transfer funds in an overseas account through FPS?

4. Can I transfer foreign currencies to other local banks by FPS?

5. What is the maximum daily transfer limit for FPS transfers?

If customers have never adjusted their daily transfer limits, the maximum daily transfer limit will be the same as the default amount listed below:

Transfer To	Transfer Channel	Default daily transfer limit (HKD)
Non-registered accounts	Citibank Online Citibank Mobile Citi JETCO Pay	10,000
Registered Accounts - Local Inter-bank Funds Transfer or transfer to third party's Citibank Accounts	Citibank Online Citibank Mobile Citibank ATM Automated CitiPhone Banking	1,000,000

6. Can I transfer funds to a non-registered account through FPS?

7. Can I transfer funds to a payee whose mobile number is not a local mobile number?

8. If I transfer funds with a mobile number/ email address/ FPS identifier ("Proxy ID"), how can I ensure that the funds are transferred to the correct person?

9. How do I know if the recipient has registered his/her mobile number or email address with the FPS service so that I can transfer funds to them with his/her mobile number or email address?

10. What should I do if I transfer funds to the wrong payee?

11. Can I cancel the transfer instruction after I click "Confirm"?

Remarks:

Limits to receiving banks that support instant transfer functionality

FPS identifier is a unique system-generated payment ID for linking with your account.
Citibank will not levy any handling fee. An Interbank fund transfer service fee may be applied by your receiving bank to the transferred amount. Please contact the receiving bank for enquiry.
The maximum daily limit for transfer to non-registered account via Citibank Online, Citi Mobile App or Citi JETCO Pay is HK$10,000 (default amount) or your pre-set daily limit, whichever is lower.
The maximum daily limit for transfer to registered third party or other local bank accounts via Citibank Online or Citi Mobile App is HK$1,000,000 (default amount) or your pre-set daily limit whichever is lower.
Cut-off time for same day processing is Monday to Friday 4:30 pm. Transaction made after the cut-off time, or on Saturday, Sunday and Public Holiday will be processed on the next business day.
For telegraphic transfer charges, please refer to Citibank Fees & Charges.