DBS digibank HK FAQ & Help

With a DBS Treasures Multi-Currency Savings Account, you can:

• Diversify your savings options with a choice of up to 14 currencies;
• Take advantage of favorable movements in foreign exchange rates by converting your deposits without hassle;
• Enjoy the convenience of receiving foreign currency deposits directly to your account.

With a Wealth Management Account, you can:

• Grow your wealth by investing in equities, bonds, investment funds, designated structured investment products;
• Enjoy our Online Equity Trade service with access of up to 7 international stock markets with DBS digibank HK;
• Make FX trades any time¹ of day or night at preferential rates by using DBS digibank HK or DBS iBanking;
• Access to the online Financial Need Analysis (FNA) and enable us to provide you with more relevant investment services.

To join DBS Treasures on DBS digibank HK, make sure you are:

• New to DBS or existing DBS Credit Card Customer
• Hong Kong Permanent Resident aged 18 or above
• Not a US Resident, US citizen or holding a US Permanent Resident Card (Green Card)

If you do not meet the above requirements to apply via the app, please make an appointment to open your account at our branch.

Simply search for DBS digibank HK from the Apple App Store or Google Play Store and download it to start your application journey. For the best experience, we recommend iOS 11.0 and Android 7.0 or above. Devices such as iPhone 5, LG V30, V40, LG-H961N, Mi MIX 2S, Mi Mix 3 and Sony Xperia XA2 Ultra are not recommended.

All information you provided (including but not limited to name, date of birth, address and HKID number, any photo images, videos or documents) and documents or any other information provided or obtained in the process of account opening with DBS Bank (Hong Kong) Limited will be encrypted throughout the transmission.  Information collected with be used for account opening purposes only.

It takes 10 minutes to complete the application journey via DBS digibank HK.

You will need the following:

• Permanent Hong Kong Identity Card
• Residential address proof within the last 3 months

You might also need to submit the following additional document(s):

• Employer’s Consent, if you are employed under a financial institution;
• A Tax Declaration Form, if you are a tax resident of a country/jurisdiction other than Hong Kong;
• Certificate of Loss of Nationality of the US, if you were previously a US citizen, resident or Green Card holder.

You will need to upload a full image of your residential address proof.
Examples of address proof are:

• A recent utility bill issued within the last 3 months,
• A statement issued within the last 3 months by regulated financial institutions,
• Mobile phone or pay TV statement issued within the last 3 months.

You can upload the required document(s) in GIF, JPG, TIF, PDF files up to 5MB.

This helps us to validate your HKID and verify that you are the HKID card holder.

Here are some tips to capture your HKID:

• Place your HKID on a light colour background
• Place the whole HKID within the frame and tap the button according to the screen instruction
• Ensure the details captured are clear without any glare or shadows
• Capture both the front and the back of your HKID

Please click to view detailed instructions and watch our education video.

Here are some tips to capture your selfie:

• Make sure the camera is leveled with your face
• Position yourself against a plain background
• Sufficient lighting, avoid backlighting
• Avoid direct sunlight
• Avoid wearing sun glasses, hat
• Camera needs to be focus
• Ensure only your face is in the picture
• Read aloud the 3 digits according to the on-screen instruction

Please click to view detailed instructions and watch our education video.

You can save your application during the process and resume it within 90 days after your User ID is created by logging in to DBS digibank HK. After your account is successfully opened, you can also enjoy both online and mobile banking services by logging in with the same User ID and password.

Yes. After creating your User ID and Password, your application is saved and can be resumed on another mobile phone.

The application will only be available for 90 days for completion and submission. After this duration, you will need to start a new application.

If you have forgotten your User ID or Password, you cannot retrieve them, nor resume your application via DBS digibank HK. Please visit branch to join DBS Treasures.

You can contact our 24-hour dedicated Customer Service Hotline at 2290 8812 for enquiries or assistance.

You need to accept the Terms and Conditions below:

• Relevant DBS Services Terms & Conditions
• Important Notice
• Important Disclosure
• Declarations for Customers Onboarding

After you have completed the application via DBS digibank HK, you will receive an email notification once your account has successfully been opened.
In some cases, we may contact you for more information or documents. We will notify you of the application status two working days after your application submission.

You can start enjoying the banking services once you have deposited money via either one of the methods below:

• Online funds transfer from other local bank accounts registered in your name; or
• Cheque deposits at a DBS teller counter using the cheque in your name; or
• Cash deposits at a DBS teller counter with HKID verification.

You can register for FPS to receive funds via DBS digibank HK in a few simple steps:

Step 1: Log in to DBS digibank HK
Step 2: Go to Settings > Transfer Settings
Step 3: Click “Register” at your mobile number or email address, and set DBS as Default Receiving Bank
Step 4: Follow on-screen instructions and complete registration

After successful FPS registration, you can then log in to other local banks’ internet banking or mobile banking app to perform online funds transfer and send money to your mobile number or email address registered with FPS.

Please click here for step-by-step guide.

After your initial fund in, you can apply for your ATM card via DBS digibank HK at your first login. You will receive your ATM card within 5 working days. Upon receiving your ATM card, you can activate your ATM via DBS digibank HK. You can also apply for the ATM card at any of our branches.

We will designate a DBS Treasures Relationship Manager (TRM) to manage your wealth. Once we’ve assigned the TRM to you, we will notify you the contact details of your TRM via SMS. Alternatively, you can check the contact details of your TRM by logging in to DBS iBanking or DBS digibank HK.

Accounts of other currencies will be created automatically once you transfer funds from your account to that designated currency.

It usually takes up to 1 working day for us to review your application. You will receive an email/SMS once your Wealth Management Account is open. You can transfer money from your Multi-Currency Savings Account to your Wealth Management Account to start investing.

Yes. With one account, you can trade equities in Hong Kong, Singapore, U.S., Canada, Japan, Australia and United Kingdom. If you would like to trade in the U.S. and Canada markets, please submit a W-8BEN form at any of our branches.

If you select “eStatement and paper statement” when joining DBS Treasures via DBS digibank HK, you will start receiving paper statements and advices after your Wealth Management Account is successfully opened. You’ll only receive electronic statements for your Multi-Currency Savings Account until your Wealth Management Account is opened. You can update your statement and advice preferences via DBS iBanking anytime.

You can reset your password via DBS digibank HK. Please click Forgot "Password" on the login page to reset it.

Get ready your:

• ATM Card number and ATM PIN, or
• Credit Card number and Card Expiry Date, or
• Cashline Card number and Card Expiry Date, or
• Secure Device

You may also complete and return the DBS iBanking Service Request Form to any of our branches to reset your password.

DBS digibank HK is a free service provided by our bank. Service charges will only be levied for designated services. For details, please refer to our Bank Charges Schedule.

However, your telecommunications service providers may impose data charges. Please check with your service providers for details.

All you need is any Apple iPhone with iOS 11.0 or higher, or an Android device running Android 7.0 or higher. Simply download DBS digibank HK from Apple App Store, Google Play Store or Huawei App Gallery.

You can access DBS digibank HK wherever your mobile device connects to the Internet. Please be reminded that data roaming charges may apply. For details, please contact your telecommunication service providers.

An OTP is a security feature in DBS digibank HK, a password sent by us to your registered mobile phone number via Short Message Service (SMS). An OTP is required when you perform designated transactions through DBS digibank HK.

Important Note:
The SMS will not be forwarded to any other mobile phone numbers, even if you have signed up for SMS forwarding with a Hong Kong telecommunication service provider.

With the implementation of the Secure Device, depending on the services you need, you are required to use SMS OTPs and/or the Secure Device to authenticate your transactions.

Please click here for more information.

You may follow these steps:

If you are an existing DBS iBanking customer, you may request for a Secure Device through DBS iBanking (just click on "Request", then "New Secure Device") or at any of our branches in Hong Kong.

It is free of charge for first time applications for the Secure Device and for replacements due to out of battery. In case of loss, theft or malfunctioning of the Secure Device, a fee of HK$100 will be charged for a replacement of the Secure Device.

Peek Balance lets you check your preferred account balance with a simple swipe on your smartphone or Apple Watch. No login required! You can select your preferred account from your DBS deposit or credit card accounts.

Your fingerprint is your password. With fingerprint login, accessing your accounts is faster, easier and more secure.

Fingerprint login is available on Touch ID enabled Apple smartphone running on iOS 11.0 or higher and fingerprint enabled and designated Android smartphone operating on v7.0 or higher.

For technical support of Apple iPhone Touch ID, please refer to Apple’s article If Touch ID isn't working on your iPhone or iPad.

For technical support of Android Fingerprint Login, please refer to the website of the relevant Android Smartphone Brand.

Yes. You can enable Face ID under Personalization Settings in DBS digibank on iPhone X or later.

To use Face ID in DBS digibank, you will need to turn on Face ID for digibank in your iOS Settings.

We will provide app updates to support the latest models of mobile devices from time to time. You are advised to update the DBS digibank app once available for best experience.

For features and usage of Face ID, please refer to Apple’s article About Face ID advanced technology.

If you have not performed the one-time setup on your new iPhone X or later to enable Face ID, you will not be able to use Face ID and you can continue using your username and password to log in-to DBS digibank HK. If you have performed the one-time setup to enable Face ID, you can always turn it off under “Face ID” in “More” tab.

The following functions are available:

• Place Order
• Holdings
• Order Status
• Transaction History
• Market Information

You are able to trade in Hong Kong market only.

After you have entered and confirmed your instruction, a reference number will be provided. This only acknowledges the Bank's receipt of your instruction. There is no guarantee that your instruction will be processed or executed in the market. Your instruction may be rejected or not be executed due to fluctuations in stock price, insufficient market liquidity, system delayed/failure or any other event beyond the control of the Bank. You can check the status of your instruction under “Order Status” of “Securities Trading”.

As the initial order remains queuing in the market pending processing notwithstanding subsequent placement of an amendment order or cancellation order, such amendment order or cancellation order may not be transacted or processed. You are advised to check your order status under “Order Status” of “Securities Trading”.

Please refer to our Bank Charges Schedule.

The Stock Exchange of Hong Kong Limited (SEHK), a wholly-owned subsidiary of HKEx, and Shanghai Stock Exchange established mutual order-routing connectivity and related technical infrastructure to enable investors of their respective market to trade designated equity securities listed in the other’s market. For more details, please refer here.

You can change the maturity instruction of your time deposit through the function of " Change Maturity Instructions " under Place Time Deposit in DBS digibank HK. Change of maturity instruction through DBS digibank HK will only be accepted if the instruction is given at least 1 business day before the maturity date. If you would like to change the maturity instruction on the maturity date, please visit any of our branches for further enquiry.

• Southbound Wealth Management Connect allows qualified GBA mainland investors to invest in selected eligible wealth management products sold by banks in Hong Kong through designated channels.
• Customers first need to set up a bank account with cross-border remittance function with the partner bank in the Mainland designated by the Bank in Hong Kong ("Mainland Remittance Account"), and the Customers also need to open a GBA Wealth Management Connect Southbound Account (“Southbound Account”) with investment function in the Bank in Hong Kong and bind it to the corresponding Mainland Remittance Account to form a "one-to-one" pairing.
• Customers can remit to the Southbound Account in Hong Kong through the Mainland Remittance Account and purchase qualified wealth management products sold by the Bank in Hong Kong through the Southbound Account.

Mainland investors should meet all the requirements set by both the Mainland and Hong Kong regulatory authorities, including

• Investment in single name account;
• Have full capacity for civil conduct;
• Being residents registered in the 9 GBA cities, or with record of social security contribution or individual income tax payment in the 9 GBA cities for 5 consecutive years;
• With 2 or more years of investment experience and net month-end household financial assets of RMB 1 million or more over the past 3 months, or month-end household financial assets of RMB 2 million or more over the past 3 months;
• As assessed by the Bank of Hong Kong as not belonging to a vulnerable customer.

All the account opening is subject to the Bank’s approval. Further information is available on the website of the Hong Kong Monetary Authority.

Mainland investors should complete the account opening procedure by attestation through a partner bank in Mainland, or open the account through a bank in Hong Kong in person.

Yes, they can. But mainland investors must provide the Mainland Remittance Account number for the Bank in Hong Kong to complete the pairing before activating the Southbound Account.

• The cross-boundary capital flows in Wealth Management Connect will be subject to the total and individual investor quota management, and will be conducted and managed in a closed-loop system by bundling the Mainland Remittance Account and Southbound Account to ensure that the relevant funds will only be used to invest in eligible investment products. Thus, customers can only use the Mainland Remittance Account bound in the Mainland to make cross-border remittances, collection and receive investment returns under Southbound Connect.
• The funds in the Southbound Account can only be used to purchase eligible wealth management products and for outward remittance to the Mainland Remittance Account.
• Customers are not allowed to transfer funds from the Southbound Account to any accounts (including non-Hong Kong accounts) other than the Mainland Remittance Account.
• Customers are not allowed to withdraw cash from the Southbound Account or use the asset(s) in the Southbound Account for pledge, leverage, guarantee and other purposes.
• Southbound Account can only receive funds from the Mainland Remittance Account in RMB, and remit funds back to the Mainland Remittance Account in RMB. Regardless of the settlement currency of the eligible wealth management products invested by the customer, when the investment is withdrawn and the funds are remitted back to the Mainland Remittance Account, the funds must be converted back to RMB.
• All cross-border remittances between the Mainland Remittance Account and the Southbound Account must be in RMB, which means the Mainland Remittance Account of our Mainland partner bank can only send or accept RMB funds.
• The Bank in Hong Kong will provide customers with foreign exchange services to purchase eligible wealth management products denominated in Hong Kong dollars and foreign currencies. Customer can also directly invest in eligible wealth management products denominated in RMB in the Southbound Account.

Each eligible Southbound investor can only open one Mainland Remittance Account and one Southbound Account at any time.

• The individual investor quota is calculated on a net basis. The accumulated net remittance amount of the customer to the Southbound Account through the Mainland Remittance Account shall not exceed the individual investor quota at any time.
• The Individual investor quota for each eligible investor is RMB 1 million.
• The usage of the individual investor quota under Southbound Connect is calculated as follows:
  Usage of individual investor quota under Southbound Connect =
  cumulative remittances from the Mainland to Hong Kong and Macao under Southbound Connect – cumulative remittances from Hong Kong and Macao back to the Mainland under Southbound Connect
• Example 1:
  If a customer first remits RMB 500,000 from the Mainland to Hong Kong, then remits RMB 100,000 from Hong Kong to the Mainland, Individual investor quota usage is RMB 400,000 and the Available Quota is RMB 600,000.
• Example 2:
  If a customer first remits RMB 500,000 from the Mainland to Hong Kong, then remits RMB 600,000 investment return from Hong Kong to the Mainland, the individual investor quota usage is RMB -100,000 and the available quota is RMB 1,100,000.
• Subject to the aggregate quota in Q8, if the net transfer of funds into the Southbound Account exceeds the individual investor quota limit, the Bank in Hong Kong will refuse to receive the funds and notify the mainland partner bank to return the bulk remittance to the Mainland Remittance Account.
• In addition, the use of individual investor quota is also affected by the aggregate quota, please refer to Aggregate quota.

The individual investor quota is subject to changes by regulatory authorities from time to time.

Aggregate quota is the total amount of funds that is allowed to be remitted from the Mainland to Hong Kong and Macao under Southbound Connect. The aggregate quota is calculated on a net basis. The cumulative net remittance from the Mainland under Southbound Connect should not, at any time, exceed the aggregate quota.

• The aggregate quota for the Southbound Scheme is initially set at RMB 150 billion.
• Customers should pay attention to the possible impact of the limit on the total amount and related risks. For example, the Bank in Hong Kong may suspend processing of a customer's Southbound - related remittance instructions from the Mainland to Hong Kong due to the total amount being used up. Remittances returned to the Mainland and investment instructions that have been submitted to the Southbound Account will not be affected.
• The aggregate quota is subject to changes by the regulatory authorities from time to time.

If you want to suspend DBS iBanking / DBS digibank HK service, please visit our branch or contact our Customer Service Hotline at 2290 8888 for assistance.

You are advised to save or print a copy of your eStatements. You will not be able to retrieve the eStatements once your DBS iBanking / DBS digibank HK service is successfully suspended.