Payments & Transfers - Citibank Hong Kong

Enjoy upgraded payment and transfer services both locally and overseas

With Citi’s upgraded payment and transfer services, you can now receive or transfer funds to/from any local bank instantly with just a mobile number via Faster Payment System (FPS). No matter whether locally or overseas, you can make fund transfer quickly and easily via the Citi Mobile^® App or Citibank Online!

What's more, you can also make payments with 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

24/7 No-fee¹ & Instant* Local Interbank HKD/CNY Transfers via FPS

Clear and Transparent Overseas Transfer for 41 Currencies

Autopay Platform for managing payments to various merchants or government agencies

Scan the QR code on your mobile phone to make a payment with Scan & Pay (coming soon)

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, 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.

^* For Citibank N.A. customers, please use Branch Code = 790

Overseas Transfers

Wide Currency Coverage - total of 41 currencies for you to transfer globally, click here to know more
Transparent Exchange Rates - exchange rate and remittance amount is shown upfront when conducting transactions
Waived Service Charge for Online Transactions (for Citi Priority, Citigold and Citigold Private Client customers)
Easy and Handy - transfer anytime, anywhere with Citi Mobile^® App or Citibank Online

Please note that if you would like to add an overseas payee with currency of RMB, please complete this form and return by mail for handling. Customer is not able to add such payee via Citi Mobile App or Citibank Online.

Tap Payments > "Manage Payments/Payees" after logging in
Tap Add Payees*
Tap "Overseas Payees" > "Other Overseas Account"
Select destination, then input the SWIFT code
Enter transfer details:
Input payee's name, account number and address

Input all required information, then tap "Next"
Verify and confirm the details
Input Mobile Token Unlock Code for transaction signing
Your payee has been added

*You need to enable the Citi Mobile^® Token in order to add payee. Click here to view demo

Tap Payments > "Manage Payments/Payees" after logging in
Tap Add Payees*
Tap "Overseas Payees" > "Other Overseas Account"
Select destination, then input the SWIFT code
Enter transfer details:
• Input payee's name, account number and address

Enter transfer details:
• Input all required information, then tap "Next"
Verify and confirm the details
Input Mobile Token Unlock Code for transaction signing
Your payee has been added

*You need to enable the Citi Mobile^® Token in order to add payee. Click here to view demo

Tap Payments > "Transfers" after logging in
Select an account to be paid from
Tap "Pay to": Select any registered overseas bank account
Select "Currency" and input amount
Select "Debit Charges To". Input message per on-screen instruction
Verify and confirm the details to complete the transfer

Tap Payments > "Transfers" after logging in
Select an account to be paid from
Tap "Pay to" : Select any registered overseas bank account
Select "Currency" and input amount
Select "Debit Charges To". Input message per on-screen instruction
Verify and confirm the details to complete the transfer

Instant funds transfer to 18 countries and regions, with the handling fees waived²
Applicable to worldwide Citibank^® account under own name or designated third party's name

Click here for details

Useful Tips

Handling fees may apply to overseas transfers via telegraphic transfer, for details please refer to Citibank Fees & Charges. 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.
If you would like to add an overseas payee with currency of RMB, please complete this form and return by mail for handling. Once added, you can choose this account in Citibank Online or Citi Mobile App to make a transfer.
Future dated or recurring transfers are not applicable for overseas transfers.
If you would like to transfer funds by Telegraphic Transfer from an overseas bank to your Citibank account, please provide below information to the sending bank:

SWIFT code: CITIHKAX^*
Bank Name: Citibank (Hong Kong) Limited
Bank's Address: Hong Kong Branch, Hong Kong
Your bank account number
Your full name with Citibank
Bank code: 250
Branch code: 390^*

^* For Citibank N.A. customers, please use Branch Code = 790 and SWIFT Code = CITIHKAXIPB

Note: Some banks may ask you to provide additional information (e.g. BSB code, Sort code, etc), depending on the type of currency you transfer. Please provide the information below where necessary:

Currency	Additional information required
USD	Routing number: 021000089
GBP	Sort code: 185002
AUD	BSB code: 242200
EURO	IBAN: IE91CITI99005123897008

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

Useful Tips

Online demo for bill payment: Pay tax
You can pay the following designated merchants with a credit card account 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.
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

Tap "Payments" > "Autopay service" after logging in
Enter your Citi Mobile Token Unlock Code*
Tap "New Autopay" > "Account number"
Input autopay details:
Payee's name
Tap "Bank" to search payee's bank
Payee's branch code and account number
Debtor's reference
Verify details and tap "Confirm"
(Reminder: You can amend the default setting by tapping respective items)
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

Tap "Payments" > "Autopay service" after logging in
Enter your Citi Mobile Token Unlock Code*
Tap

"New Autopay" > "Account number"
Input autopay details:
• Payee's name
Input autopay details:
• Tap "Bank" to search payee's bank
Input autopay details:
• Payee's branch code and account number
Input autopay details:
• Debtor's reference
Verify details and tap "Confirm" (Reminder: You can amend the default setting by tapping respective items)
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
Telecommunications
Hong Kong Telecommunications (HKT) Limited	Hong Kong Telecommunications (HKT) Limited	004	808/ 509442006	Telephone A/C No.
CSL Mobile Limited	CSL Limited	004	808/ 425128292	Mobile Phone No.
Hutchison Telecommunications (Hong Kong) Ltd	Hutchison Telecommunications (Hong Kong) Limited	004	511/ 505430003	Account No.
SmarTone Mobile Communications Ltd	SmarTone Mobile Communications Limited	004	500/ 787551001	SmarTone A/C No.

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

Inward Remittance

To transfer funds from other banks to your Citibank account, you need to provide the information below to the sending bank:

Transfer from other local banks

Bank code: 250
Branch code: 390
Your bank account number (8-digits)

Note: Some banks may only ask you to provide bank code and account number. The “account number” they refer to is the combination of branch code and your bank account number (i.e. 390XXXXXXXX).

Transfer from other overseas bank by Telegraphic Transfer

SWIFT code: CITIHKAX
Bank Name: Citibank (Hong Kong) Limited
Bank's Address: Hong Kong Branch, Hong Kong
Your bank account number
Your full name with Citibank
Bank code: 250
Branch code: 390

Currency	Additional information required
USD	Routing number: 021000089
GBP	Sort code: 185002
AUD	BSB code: 242200
EURO	IBAN: IE91CITI99005123897008

Click here to learn how to find out your bank account number

You can find your bank account number on:

Your bank statement or

Log on to Citibank Online via desktop/laptop computer and click on "Unmask Account Number" under Useful Links on the right hand side. Upon successful authentication of a One-time password, your account number will be displayed.

Your account number is 8 digits total, and please remove any additional leading zeros that would make it more than 8 digits.

FAQ

Common questions

1. 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?

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

3. 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?

4. When will the payee receive funds?

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

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

7. 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

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

FPS Registration

Transfer funds to other banks through FPS

Click here for the Currency Manager guide

Remarks:

Limited to receiving banks that support instant transfer functionality

FX conversion at prevailing exchange rate will be conducted without further notice if the transfer currency and the receiving account’s currency are different.

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.
Applicable to handling fees incurred by Citibank (HK) Ltd only. For incoming fund transfers from overseas Citibank branches, please refer to each originating country's fees and charges.
The maximum daily limit for transfer to non-registered account via Citibank Online or Citi Mobile App 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.