Account (Hong Kong residents)
- How can I open an investment account?
- Proof of address
- Employer's Letter of Consent
- How can I open a savings account?

Account (Visitors in Hong Kong)
- How can I open a savings account?
- How can I open an investment account?
- Proof of address
- Employer's Letter of Consent

Account & Security
- Account Introduction
  - Dormant account
  - Restricted Account
  - Update Personal Information
- Account Security
  - How can I protect my personal information?
  - Why should I update my device operating systems (OS) and apps regularly?
  - What precautionary measures should I take when using the Internet?
  - If I lost my device, or suspect that my account may have been accessed by an unauthorised third party, what should I do?
  - Can I log in to my bank account on a different device?
  - Why am I not receiving the SMS OTP code?
  - Why do you see the security warning of other application(s) with excessive privilege?
  - What should I do when I see the warning message of other application(s) with excessive privilege?
  - How secure is the communication with the authentication factor?
  - Account password
  - Biometric authentication function
- Malware Security Warning
  - Why do you see the security warning of other application(s) with excessive privilege?
  - What should I do when I see the warning message of other application(s) with excessive privilege?
- Online and Banking Security
  - General Security Questions
  - Mobile Device Security
  - Information about Anti-Deception
  - Your Responsibility
  - Understanding fraudulent calls, SMS, emails and fake promotional materials
  - Desktop Application Security Guide

Deposit
- Savings Deposit/ Time Deposit
  - What is the difference between a Savings Account and a Time Deposit?
  - How can I check the time deposit rates of different currencies?
  - When will I get my principal and interest balance back after I place my Time Deposit?
  - When will I receive my Savings Deposit interest?
  - What currency is available for a Time Deposit, and what is the minimum deposit requirement?
  - What tenor options of a Time Deposit are available?
  - Can I early uplift my Time Deposit before maturity date?
  - When can I request to early uplift my Time Deposit?
  - Can I make a Time Deposit on a public holiday? What happens if my Time Deposit matures on a public holiday?
  - What is the minimum balance requirement for Airstar Bank Savings Account?
- Money Safe
  - What is Money Safe?
  - How to activate Money Safe?
  - What is the minimum balance requirement for Money Safe?
  - How to deactivate Money Safe/adjust down the amount locked by Money Safe?
  - What accounts are eligible for Money Safe?
  - Can i still receive interest from the funds protected by Money Safe?
  - How to check the amount protected by Money Safe?
  - Any banking service can i still use with funds locked by Money Safe?
  - What will happen if i did not deactivate the Money Safe for time deposit before its maturity date?
  - Can i early uplift Time Deposit protected by Money Safe?
  - Can i change the maturity instruction for Time Deposit protected by Money Safe?

Foreign Exchange
- Can I exchange currency at any time?
- What currency can I exchange?
- Are the exchange rates up-to-date?
- Are there any fee to charge for currency exchange?
- What is the transaction limit on currency exchange?
- What can I use the foreign currency exchanged for?
- Can I set forward date exchange instruction?
- How can I transfer fund out after exchange?
- Can I exchange from CNY (USD) to USD (CNY) directly?
- How long is the exchange rate valid for?
- I mistakenly swapped the buy/sell direction. Can you cancel the transaction for me?
- Any daily limit for currency exchange?
- How can I review my currency exchange transactions?
- How can I ensure the currency exchange instruction has been submitted?

Fund Transfer
- Fund Transfer
  - How can I transfer money to other local banks?
  - How can I transfer money from other local banks?
  - What is Faster Payment System ("FPS")?
  - How do I activate FPS?
  - How do I set the transfer limit?
  - What should I do if I accidentally made a payment to a wrong party?
  - Can I cancel a fund transfer instruction?
  - What should I do if I have received funds which a transferor sent by mistake?
  - Will the payee banks perform name checking for the fund transfer initiated by me/us?
  - How many accounts I can bind for e-Deposit?
  - Is there any charge for using e-Deposit?
  - What should I do if I hold an integrated account in another bank while I want to use e-Deposit to top-up HKD & CNY account in Airstar Bank?
  - If I hold an integrated account and set up in HKD & CNY with the same account number, will you count as 1 account or 2 accounts?
  - Will you debit my designated account periodically?
  - Can I change the limit after binding the account?
  - What service does electronic direct debit authorization offer?
  - Which banks / e-wallets are supported for electronic direct debit authorization?
  - Why can't I find the relevant electronic direct debit authorization bound with my Airstar Bank account in the mobile app?
  - How can I cancel a direct debit authorization?
  - Can I pay to merchants by electronic direct debit authorization?
  - Are there any fees for local USD transfers?
  - How long does it take for local USD transfers to arrive?
- Remittance to Airstar Bank
  - How to send money to Airstar Bank
  - Airstar Bank Key Settlement Arrangements and Correspondent Bank Information (if needed)
  - Inward remittance limit
  - Currency of remittance
  - Remittance fees
  - Time for remittance processing
- Bank Securities Transfer
  - What is Bank Securities Transfer?
  - How to link bank-securities accounts?
  - Are there any handing fees for bank securities transfers?
  - How long does it take for funds deposited into a securities account to arrive?
  - How long does it take to withdraw funds from securities account to bank account?
  - What currencies are supported by bank securities transfer?
  - What is the daily limit for bank securities transfers?
  - Does bank securities transfer have to be between accounts with the same name?
  - Which securities companies are supported?
  - I have multiple accounts at my Futu securities company. How do I bind and authorize them?
  - Why is it necessary to complete the "transfer to securities" before conducting the "transfer to bank" ?
  - Why is it necessary to deposit 10,000 HKD/10,000 CNY/1,500 USD when adding a new bank card?
  - What should I do if I receive the prompt "Your ID document has not been linked to any Futu Securities account" during the bank-securities authorization process?
- FPS QR Pay
  - What can I do with the new "FPS QR Pay" function?
  - Does the QR code scanner work with non-FPS QR codes?
  - Do I have to log on to use "FPS QR Pay"function?
  - Why I cannot scan a QR code to send money?
  - Will there be any charges if I send money to another bank account via "FPS QR Pay"?
  - Why sometimes I cannot alter the payment amount?
  - Is it safe to pay via "FPS QR Pay"?
  - How can I know if the payment is completed successfully?
  - My payee cannot receive the funds, but payment had been debited from my bank account. What should I do?
- FPS App to App
  - How can I trigger the payment by using "FPS App to App"?
  - Do I have to complete the entire "FPS App to App" payment journey on the same mobile device?
  - Do I have to log on to use "FPS App to App"?
  - Will there be any charges if I settle the payment through "FPS App to App"?
  - Is it safe to pay via "FPS App to App"?
  - How can I know if the payment is completed successfully?
- Payment Connect
  - Which currencies can Airstar Bank support for cross-border inward remittance?
  - What fees do I need to pay for inward cross-border remittance?
  - What is Payment Connect?
  - What services does Airstar Bank Payment Connect provide?
  - Who can use Payment Connect to transfer money to Mainland?
  - Which Mainland banks can be remitted to by Payment Connect?
  - What is the limit of Payment Connect?
  - Can it only be transferred to same name accounts?
  - What currencies does Payment Connect support?
  - What can I do if I don’t have CNY at Airstar Bank?
  - How long does it take for Payment Connect transactions?
  - Does Payment Connect have handling fees?
  - How to cancel the wrong Payment Connect transfer instruction submitted?
- Remittance to Chinese Mainland - Remitter
  - Which countries are supported for remittance?
  - What is WeRemit (跨境汇款·微汇款)?
  - Who can I remit money to?
  - How much money can I remit?
  - Is there an age restriction?
  - Can I cancel/ modify the instruction after filling out the incorrect recipient name or recipient phone number?
  - What should I choose as the purpose of remittance?
  - Can I cancel a remittance instruction that I've already submitted?
  - How does a customer remit funds on the Airstar Bank app?
  - Will the remitted funds be refunded to the remitter if the collection of remitted funds by the recipient fails after 48 hours ?
  - How are remittance handling fees charged?
- Remittance to Chinese Mainland - Recipient
  - What do I need to receive remittance funds through Weixin?
  - How long will it take for the recipient to collect the remittance funds?
  - Why do I need to sign the Kinship Commitment Letter (亲属关系承诺书) before I can collect the remittance funds?
  - Why do I need to sign the Kinship Commitment Letter (亲属关系承诺书) before I can collect the remittance funds?
  - I did not receive the notification /SMS link.
  - I did not receive the remittance funds.
  - What are the common reasons for failure of remittance?
  - Why can I only receive 15 remittances per month?
  - Do I need to pay remittance handling fees when receiving remittance funds via Weixin Balance (微信余额) or a linked bank account?
  - Are there any fees for receiving payment?
  - Why do I need to submit supporting documents to receive remittance funds?
- Wire transfer
  - What currencies are supported for wire transfer?
  - Are there any restrictions on RMB remittances?
  - Is there a time limit for remittance?
  - What is an IBAN Number?
  - What is the maximum daily transfer limit for wire transfer?
  - How many wire transfers can be made every day?
  - What is GPI remittance tracking?
  - Why does the GPI remittance tracking always show "processing"?
  - Can GPI remittance tracking show the processing time and status of all banks (such as intermediary banks and beneficiary banks)?
  - GPI transfer tracking shows that the transaction is rejected. Why are the funds not returned to my account?
  - Can I schedule a wire transfer in advance?
  - Can I cancel a submitted wire transfer?
  - What fees will be charged for wire transfer?
  - Will the wire transfer amount be deducted from my savings account immediately?
  - Can wire transfers be automatically converted before being remitted?
  - Is there a minimum amount for wire transfer?
  - Do you accept company accounts as payees?
  - What are the current charging methods for Airstar Bank's wire transfer?
  - How long does it take for remittance to be credited after I have remitted them?
- Scheduled Transfer
  - How can I set up or manage Scheduled Transfer Instruction?
  - How can I set up the one-time Scheduled Transfer Instruction?
  - How can I set up the Multiple times Scheduled Transfer Instruction?
  - How can I modify the Scheduled Transfer Instruction?
  - Which parts can I modify in the Scheduled Transfer Instruction?
  - Can I terminate the Scheduled Transfer Instruction?
  - Is there a fee for setting up a Scheduled Transfer Instruction?
  - Why can't my Scheduled Transfer Instruction be executed?
  - What is the time range for setting up scheduled transfer instructions?
  - Transfer limit for Scheduled Transfer Instructions service?
  - Currencies supported by Scheduled Transfer Instruction?
  - What transfer system are supported by Scheduled Transfer Instruction?
- Questions related to high risk alert
  - If I find my recipient's FPS proxy ID / bank account number / SVF account number is being flagged by the high risk alert, how can I remove it?
  - Will Bank / SVF operator be able to help to remove my FPS proxy IDs / bank account numbers / SVF account numbers from the high risk alert?
  - If I want to report a suspicious FPS proxy ID / bank account number / SVF account number, what should I do?
  - If there is no high risk alert message relating to my recipient, does it guarantee it is safe to transfer to him/her?
  - Why is my recipient's FPS proxy ID / bank account number / SVF account number previously not tagged in the high risk alert but now being tagged?
  - What is the source of the high risk alert and how is my private information being protected?
  - Why I found my FPS proxy ID / bank account number / SVF account number on the high risk alert when doing transfer? I did not commit any crime!
  - I discovered my recipient's mobile number / account number has been flagged in Scameter. How come the bank / SVF operator did not alert me when I now try to make payment to this FPS proxy ID / bank account number / SVF account number?
  - I discovered my recipient's mobile number / account number has been flagged in Scameter. How come the bank / SVF operator did not alert me when I previously made payment to this FPS proxy ID / bank account number / SVF account number?
- Questions on operation
  - How would I know if my recipient's mobile number / email address / FPS Identifier / bank account / SVF account is flagged for high risk alert?
  - If I confirm to the bank to proceed with a transfer with FPS proxy ID (i.e. mobile number/email address/FPS Identifier) / bank account / SVF account flagged as "High Risk" and subsequently realize being scammed, what should I do?
  - If a recipient's mobile number is flagged as "High Risk", will his/her email address / FPS Identifier / bank account number / SVF account number also be flagged by the high risk alert?
  - Can I confirm and accept the high risk alert message and make transfer to the FPS proxy ID / bank account number / SVF account number on the high risk alert?

Loan
- EasyPF
  - What is Premium Financing?
  - What is Policy Financing?
  - Restriction of rights under the Policy?
  - Consequence of late repayment and default of loan facility?
  - Impact of early termination / surrender / withdrawal?
  - Impact of death of insured?
  - Exposure to exchange rate fluctuation?
  - Impacts on cooling-off right?
  - Where can I get the values of H and P?
  - What should I do if I have any difficulty in repaying or servicing the Loan over the period of repayment?
  - Can I request to delete the loan information from my credit report?
  - For Premium Financing, will you debit my designated account even there is insufficient fund in my Airstar Bank savings account?
  - Does Premium Financing require annual review?
  - What procedures need to be completed after the premium financing is fully repaid?
- Personal Loan/Debt Consolidation Loan
  - How much should I borrow?
  - Over what period should I choose to repay the loan?
  - What is an annualized percentage rate (APR)?
  - Would the loan information under the Loan be shown on my credit report?
  - How do I repay the Loan?
  - Can I repay more than the monthly instalment amount?
  - Do I save interest expenses by making early repayment of the Loan?
  - Can I change the loan repayment term after the drawdown?
  - What documents are required for a loan application?
  - What should I do if I have any difficulty in repaying or servicing the Loan over the period of repayment?
  - Can I request to delete the loan information from my credit report?
  - What is "big data analysis in the application process"?
  - What is “7-Day Cooling-off Period”?
  - What do I have to do for my Autopay if I early settle the loan?
  - Will you debit my designated account even there is insufficient fund in my Airstar Bank savings account?
  - Is there any charge for using Autopay?
  - Can I change the designated account once set up?
  - What is Debt Consolidation Loan?
  - When should I apply for a Debt Consolidation Loan?

Spend
- Application
  - What is Airstar Bank Visa Platinum Card?
  - Getting your Airstar Bank Visa Platinum Card?
  - How do I apply for Airstar Bank Visa Platinum Card?
  - How to get the physical Airstar Bank Visa Platinum Card?
  - Mailing method of physical Airstar Bank Visa Platinum Card
  - How can I activate my physical Airstar Bank Visa Platinum Card?
- Usage & Spend
  - Airstar Bank Visa Platinum Card Usage Guide
  - Pre-authorization of Airstar Bank Visa Platinum Card
  - Where can I find ATMs to withdraw cash using my Airstar Bank Visa Platinum Card?
  - Are there any fees for using ATMs with my Airstar Bank Visa Platinum Card?
  - Refund of Airstar Bank Visa Platinum Card
  - Time required for refund of Airstar Bank Visa Platinum Card
  - How can I adjust the transaction limit?
  - Overseas Spending Exchange Rate of Airstar Bank Visa Platinum Card
  - How can I adjust the transaction limit?
  - Can I use the Airstar Bank Visa Platinum Card overseas?
  - Can I add my Airstar Bank Visa Platinum Card to a digital wallet?
  - Is it safe to use my Airstar Bank Visa Platinum Card with a digital wallet?
  - Are there any fees associated with using an Airstar Bank Visa Platinum Card?
  - How can I keep track of my Airstar Bank Visa Platinum Card transactions?
  - If my physical Airstar Bank Visa Platinum Card is lost or stolen, where can I report the loss?
  - How to renew a physical Airstar Bank Visa Platinum Card
  - How do I check my card number?
  - Check your Airstar Visa Platinum VALID THRU and CVV.
  - Why is there a 1.95% handling fee with my HKD transaction?
  - Transaction being rejected
  - How do I cancel an autopay authorisation transaction?
- Transaction Disputes
  - How do I raise a dispute for a transaction?
  - How do I raise a dispute for a transaction?
  - How to submit supplementary information？
  - Why do I need to submit supplementary information in just a 7 calendar days? or Why do I need to submit all your requested information for the dispute claim?
  - Channels for applying for transaction disputes
  - Handling fee for applying transaction disputes
- Card Safety
  - How to report suspicious or fraudulent activities / transactions?
  - How can I lock my virtual Airstar Bank Visa Platinum Card?
  - How can I secure my Airstar Bank Visa Platinum Card?
- Apple Pay
  - Is my device ready for Apple Pay?
  - Where can I use Apple Pay?
  - Are the transactions secure by using Apple Pay?
  - Are there any additional costs associated with using Apple Pay?
  - How to add Airstar Bank Visa Platinum Card to Apple Pay?
  - How do I set my Airstar Bank Visa Platinum Card as my default card for Apple Pay?
  - What is the influence on Apple Pay if I change my device?
  - If I replace my bank card with a new one, do I need to rebind it to Apple Pay?
  - 由于 Apple Pay 暂未支援对银行标志的更新进行自动替换。若你希望更新 Apple Pay 界面中显示的银行标志，需通过手动解绑并重新绑定银行卡的方式完成更新。如你未更新银行标志对你的交易不会造成任何影响。
  - After canceling the card, can I still use Apple Pay with the Airstar Bank Visa Platinum Card?
- Google Pay
  - Is my device ready for Google Pay?
  - Are there any additional costs associated with using Google Pay?
  - Are transactions via Google Pay secure?
  - How to add Airstar Bank Visa Platinum Card to Google Pay?
  - If I replace my bank card with a new one, do I need to rebind it to Google Pay?
  - After canceling the card, can I still use Google Pay with the Airstar Bank Visa Platinum Card?
- Multi-currency Transaction
  - Why is my transaction being automatically converted to the default currency (HKD) for deduction even though I have activated the multi-currency transaction functionality?
  - How to enable or disable the currency switch supported by the multi-currency transaction functionality?
  - How will foreign currency transactions be processed if the foreign currency current account balance is insufficient?
  - If you have activated the multi-currency transaction functionality, will handling fee be charged when using the bank card for foreign currency transactions?
  - Will fees be charged for ATM withdrawals using card?
  - Which currencies are currently supported for the multi-currency transaction functionality?
  - Why is there a 1.95% handling fee with my HKD transaction?

Stock
- Trading Rules of HK Stock
  - Introduction to the Hong Kong stock market
  - Hong Kong stock market trading sessions
  - Hong Kong stock trading and settlement rules
  - Is there a limit on HK stock price volatility
  - What is off market order (place orders during non-trading hours)
  - The difference between order cancellation and invalidation
  - Is the minimum price change of all Hong Kong stocks HK$0.01
  - Why is the order in the "submitting" status
  - How to trade odd lot
  - FAQs about odd lots
  - What is penny stock trading
  - Arrangement for delay or failure of trading system
  - FAQs on Trading Arrangements During Severe Weather Trading
  - What is the closing auction trading period (CAS)
- Order Type of HK Stock
  - What is the time-in-force
  - Limit order
  - Market order
  - At-auction limit order
  - At-auction market order
- ETF
  - What are the ETFs and why invest in them
  - What are the advantages of ETF
  - How does the ETF track the performance of the underlying index
  - Is there a risk of tracking error in ETFs, and how is it generated
  - How is the bid/ask price of an ETF determined
  - Will I receive the dividends if I hold the ETF
  - Do I need to pay management fees for investing in ETFs
- Trading Rules of US Stock
  - Introduction to the US stock market
  - U.S. stock market trading sessions
  - Pre-market and after-hours trading quote update period
  - Do U.S. stocks support day trade
  - Is there a limit on price fluctuations for US stocks
  - Minimum trading unit for U.S. stocks
  - What is off market orders
  - Why the sell order price of U.S. stocks is lower than the best ask price, but can not be traded
  - What is the settlement rule for U.S. stocks
  - Extended trading risks
  - Other Notes on Placing US Stock Orders
  - What is penny stock
  - Why use pre and post-market prices to calculate the market capitalization and profits and losses of stocks during respective period
  - Why my stock is banned from trading during pre-market trading session
  - Arrangement for delay or failure of trading system
  - Why should the placement of market orders be restricted
  - Fractional shares trading in the US stock market
  - Orders for suspended or unlisted US stocks
- Order Type of US Stock
  - What is the time-in-force and trading sessions
  - What is limit order
  - What is market order
- Corporate Action
  - What are corporate actions?
  - What are stock splits and consolidations?
  - What is a bonus share?
  - What is a dividend/special dividend?
  - What is a preemptive right?
  - What is a cash offer?
- Fee Schedule&Statement
  - HK stock fees (stocks, ETFs, warrants)
  - US stock fees (stocks, ETFs)
  - ADR Fees
  - How to view the statement
- Other
  - What’s the Severe Weather Trading Arrangements of Airstar Bank in Hong Kong Securities and Derivatives Markets?
  - Watchlists
  - Add and delete watchlist
  - Why are bid & ask data of HK stocks updated during noon recess
  - Stock quotation
  - Quotation of pre/post market
  - Is the current price equal to the closing price of the latest K-line
  - Charts
  - How to set green up and red down
  - Financial reports
  - Fiscal year
  - AU auction descriptions
  - Explanation of Insufficient Buying Power

Fund
- How do I buy Money Market Funds?
- When will I receive my income?
- How to sell Money Market Funds?
- Are there any restrictions on purchase and redemption?
- Is there any information on the corresponding fund of the Money Market Funds?
- Are there any fees for the Money Market Funds?
- Is it safe to invest in money funds?
- How will fund trading be arranged in severe weather?

Open Banking
- What is Open Banking?
- What is Interbank Account Data Sharing (IADS)?
- How do I know which banks are IADS participating banks?
- Which users can use the "IADS" service and what account types that support data sharing?
- What information will our bank share with other banks?
- How long is the consent period for data sharing?
- Do I need to pay for the use of this data sharing service?
- Is the data sharing process safe and secure?
- Under what circumstances can other banks view my bank account information?
- How can I know if I have successfully granted/revoked a data sharing consent to other banks?
- How can I provide consent to other banks for account data sharing?
- How can I revoke my consent for account data sharing to other banks?
- If you have any questions about the Interbank Account Data Sharing (IADS) program, what should I do?

Insurance
- Insurance basics
  - What are the main types of insurance?
  - What is savings insurance?
  - What is the Proposer?
  - What is the beneficiary?
  - Is a physical examination required before purchasing insurance?
  - Will I receive a physical policy?
  - What is life insurance?
  - Is it protected if I purchase insurance through Airstar Bank?
  - How to choose an insurance product that suits you?
- Insurance process
  - What qualifications do I need to purchase insurance through Airstar Bank?
  - What information do I need to prepare for purchasing insurance?
  - How to make an insurance appointment?
  - Do I need to be in Hong Kong when attending the appointment with an Airstar insurane consultant and submitting the insurance application?
  - How to confirm that the policy is effective after purchasing insurance?
  - What should I pay attention to during the insurance application process?
  - How long does it take to receive the policy after applying for insurance?
- Premium Payment
  - How to pay the premium? Can I only pay with an Airstar Bank account?
  - How often can I choose to pay premiums?
  - Who should I contact if I fail to pay my premium on time?
- Policy Management
  - Who should I contact for after-sales issues regarding my policy?
  - How to check the policy details?
  - How do I update my policy details?
  - Can the beneficiary be changed?
  - How do I cancel my policy?
  - Will I receive any notification when my policy is going to be renewal?

Important notice
- Notice to customers regarding updated "Terms and Conditions of Use of Digital Banking Services"
- Customer Notification of new "Terms and Conditions of Airstar Bank Visa Platinum Card (Applicable to customers who have activated the multi-currency transaction functionality)" and update on "Card Service Fees"
- 【Airstar Bank Launches 3 Emergency Support Measures to Assist Affected Customers of Tai Po Fire Through Difficult Times】
- 【Tai Po Fire Emergency Appeal】
- Customer Notification of update on Airstar Bank Service Fees
- Adjustment to the HKD Prime Rate
- Notice on the Update of HKD Savings Deposit Rate
- Notice to customers regarding updated "Terms and Conditions of Use of Digital Banking Services" and "Privacy Principles and Notice"
- Notice of Updating the End Date of Airstar Bank HKD Savings Deposit Offer
- System Maintenance Schedule Update
- Beware of Malware Scams

I have multiple accounts at my Futu securities company. How do I bind and authorize them?

If you have multiple NiuNiu numbers in Futu NiuNiu, you can select the NiuNiu account you actually want to use during the authorization stage.
If you have multiple different Universal Account under the same NiuNiu account, you can select the corresponding comprehensive account when making deposits and withdrawals.

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