If I confirm to DBS 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 realise I have been scammed, what should I do?

If you suspect you have been scammed, you may visit a police station or the Hong Kong Police Force e-Report Centre to file a report. In tandem, please report the case to our Customer Services Hotline at (852) 2290 8888.

Local Funds Transfer | DBS Hong Kong

Q: What information should I provide if sender would like transfer to my account number?

We will check payee’s name for FPS deposit of any amount. Please remind your sender to use your FULL account name registered with DBS (instead of your nickname) for any transfer to your account number; otherwise, the transfer will be rejected. You can check your full registered name on your bank statement. You can also register and ask your sender to use your FPS proxy ID (mobile number/ email address) for more convenience.

Local Funds Transfer

At a Glance

It’s easier than ever to transfer money within DBS or across local banks and e-Wallets using our Local Fund Transfer service online.

Settle your DBS credit card bills or charge up your DBS wealth management account with a simple transfer between your own DBS accounts

Instantly transfer¹ HKD or RMB across local banks 24 x 7 with $0 fee

Pay merchants for online or in-store purchases using their FPS ID
Transfer to your friends’ bank accounts or e-Wallets even if they haven’t registered to receive money through FPS
Rest assured with instant SMS and email notification upon submitting payment instructions

Instantly¹ transfer to securities brokers’ FPS ID for investment opportunities

Support App-to-App/ Web-to-App³ – Pay via FPS within a merchant app or webpage/ Top up via FPS within your e-CNY wallet⁴ by invoking your own DBS accounts on DBS digibank HK app automatically

Instant payment status/ submission notice displayed in the transfer confirmation screen on top of receiving an SMS and/or email confirmation

Alert prompt for suspicious FPS proxy IDs/bank account numbers/Stored Value Facility (SVF) account numbers

Funds transfer to other local bank is supported by Faster Payment System which is provided and operated by Hong Kong Interbank Clearing Limited. Use of related bank services supported by Faster Payment System are subject to terms and conditions. Please refer to the terms and conditions relating to Faster Payment System under the Bank Accounts and Services Terms and Conditions.

The exact timing of crediting funds to recipient's account will be subject to the operation of recipient bank.
Applicable to Online Local Fund Transfers to registered payees only. The maximum daily transfer limit for “non-registered payee” for DBS Personal Banking customers, DBS Treasures customers and DBS Treasures Private Client / DBS Private Bank customers are HK$150,000, HK$300,000 and HK$600,000 respectively. Click here for more details.
App-to-App (ATA)/Web-to-App (WTA) is a payment function of the FPS. When you access a merchant app or webpage supporting this function via your mobile phone and select FPS when making payment, the DBS digibank HK app in your mobile phone will be invoked automatically for making payment via the FPS.
e-CNY is the digital form of fiat currency issued by the People’s Bank of China (PBoC). Same as the physical form of CNY, e-CNY is also the legal tender of China. DBS Bank (Hong Kong) Limited provides the e-CNY wallet top-up service via FPS. e-CNY wallet is the carrier of e-CNY. Please click here for more important notes on e-CNY wallet top-up service.

How to Register and Make Transfers to Frequent RecipientsDo you regularly make online purchases from a favourite merchant or donations to charities? Add them to your recipient list and save time from repeated inputs during your next payments.Register Recipients with their FPS ID on Mobile

Step 1:	Log in and go to Pay & Transfer > Local Transfer
Step 2:	Tap the icon at the top-right corner then tap "Add New Recipient" > “FPS ID”
Step 3:	Enter the recipient’s FPS ID and Nickname
Step 4:	Confirm details
Step 5:	Enter your DBS iBanking password^{^}
Step 6:	Authenticate with your Digital Token^*
Step 7:	Tap "Make a Transfer" to make a transfer

^{^} Applicable if this is the first high-risk transaction after biometric login
^* You can activate your Digital Token immediately via DBS digibank HK. Please click here for details.

Step 1:	Log in and go to Pay & Transfer > Local Transfer
Step 2:	Tap the icon at the top-right corner then tap "Add New Recipient" > “FPS ID”
Step 3:	Enter the recipient’s FPS ID and Nickname
Step 4:	Confirm details
Step 5:	Enter your DBS iBanking password^{^}
Step 6:	Authenticate with your Digital Token^*
Step 7:	Tap "Make a Transfer" to make a transfer

^{^} Applicable if this is the first high-risk transaction after biometric login
^* You can activate your Digital Token immediately via DBS digibank HK. Please click here for details.

Step 1: Log in and go to Transfer > To Other Local Recipients
Step 2: Select “Add New Payee”
Step 3: Authenticate with your Digital Token^*
Step 4: Select “Other Local Payee” and “FPS ID”
Step 5: Enter your recipient’s FPS ID and tap “Verify”
Step 6: Enter a “Payee Nickname”
Step 7: Verify details and click “Submit”
Step 8: Authenticate with your Digital Token^*

To make a transfer, tap Transfer > To Other Local Recipients. Select “Registered Payee” under the “To” section and select a payee to start transfer.

^* You can immediately activate your Digital Token via DBS digibank HK. Please click here for details.

How to Transfer to a Bank Account or Top Up e-WalletNeed to pay back a friend or top up an e-Wallet? Get it sorted in just a few taps using the bank account or e-Wallet number.Transfer to a Bank Account or e-Wallet on Mobile

Step 1:	Log in and go to Pay & Transfer > Local Transfer
Step 2:	Tap the icon at the top-right corner then tap "Add New Recipient" > “FPS ID”
Step 3:	Enter the recipient’s FPS ID and Nickname
Step 4:	Confirm details
Step 5:	Enter your DBS iBanking password^{^}
Step 6:	Authenticate with your Digital Token^*
Step 7:	Tap "Make a Transfer" to make a transfer

^{^} Applicable if this is the first high-risk transaction after biometric login
^* You can immediately activate your Digital Token via DBS digibank HK. Please click here for details.

Step 1:	Log in and go to Pay & Transfer > Local Transfer
Step 2:	Tap the icon at the top-right corner then tap “Transfer to New Recipient” > “Bank Account / e-Wallet”
Step 3:	Enter the recipient’s bank/e-Wallet account number and transfer details
Step 4:	Confirm transfer
Step 5:	Enter your DBS iBanking password^{^}
Step 6:	Authenticate with your Digital Token^*

^{^} Applicable if this is the first high-risk transaction after biometric login
^* You can immediately activate your Digital Token via DBS digibank HK. Please click here for details.

Transfer to a Bank Account or e-Wallet on Mobile via DBS iBanking

Step 1: Log in and go to Transfer > To Other Local Recipients
Step 2: Select “Non-Registered Payee” under “To Account” and select “Bank Account” under “Transfer Mode”
Step 3: Enter the recipient’ bank/e-Wallet account number and transfer details
Step 4: Verify details and tap “Submit”
Step 5: Authenticate with your Digital Token^*

^* You can immediately activate your Digital Token via DBS digibank HK. Please click here for details.

How to Top up via FPS within your e-CNY walletRegister e-CNY wallet

Step 1:	Download e-CNY wallet app from App Store (for iOS devices)/Google Play (for Android devices)
Step 2:	Register an e-CNY wallet app account with your HK mobile number and email address
Step 3:	Set up login password
Step 4:	Pick one of the authorised operator banks to open the e-CNY wallet. (Even if you do not have a bank account at any of authorized operator banks)
Step 5:	Customise the e-CNY wallet nickname
Step 6:	Set up 6 digits pin for your wallet to complete opening

Step 1:	Download e-CNY wallet app from App Store (for iOS devices)/Google Play (for Android devices)
Step 2:	Register an e-CNY wallet app account with your HK mobile number and email address
Step 3:	Set up login password
Step 4:	Pick one of the authorised operator banks to open the e-CNY wallet. (Even if you do not have a bank account at any of authorized operator banks)
Step 5:	Customise the e-CNY wallet nickname
Step 6:	Set up 6 digits pin for your wallet to complete opening

Top up e-CNY wallet on mobile

Step 1:	Select “Top-up” on your e-CNY wallet account dashboard
Step 2:	Enter the top-up amount and select “DBS digibank HK”. You will be taken to DBS digibank HK app
Step 3:	Select the payment account and verify the transaction details
Step 4:	Read and agree the important notes, then perform identity authentication to authorise the payment
Step 5:	Tap “RETURN TO MERCHANT APP” and return to e-CNY wallet to confirm the transaction is complete.


Step 1:	Select “Top-up” on your e-CNY wallet account dashboard
Step 2:	Enter the top-up amount and select “DBS digibank HK”. You will be taken to DBS digibank HK app
Step 3:	Select the payment account and verify the transaction details
Step 4:	Read and agree the important notes, then perform identity authentication to authorise the payment
Step 5:	Tap “RETURN TO MERCHANT APP” and return to e-CNY wallet to confirm the transaction is complete.

How to update local transfer limitsUpdate Local Transfer Limits on Mobile

Step 1:	Log in and go to More > Manage Local Transfer Limits
Step 2:	Select the transaction type(s) and update the new limit(s)
Step 3:	Verify details and submit^*

* Authentication with a Digital Token is needed if a higher limit amount is set.

Step 1:	Log in and go to More > Manage Local Transfer Limits
Step 2:	Select the transaction type(s) and update the new limit(s)
Step 3:	Verify details and submit^*

* Authentication with a Digital Token is needed if a higher limit amount is set.

Update Local Transfer Limits on DBS iBanking

Step 1: Log in and select Manage Transaction Limit under Preference
Step 2: Select the transaction type and enter the new limit
Step 3: Verify details and submit*

^* Authentication with a Digital Token is needed if a higher limit amount is set.

Notes:

Please ensure the recipient and transfer details are correct before you submit the transaction. Once you have submitted the transaction, it cannot be cancelled. If a wrong transaction has been submitted, please download the mis-transferred fund recall request form here and return the completed form to our branches or call (852) 2290 8888 for assistance.
If you have received funds that are mis-transferred to you, you should immediately contact us at (852) 2290 8888 to arrange the return of funds. You may have criminal liability if you do not return the mis-transferred funds.
If you have not performed transactions to any non-registered recipients within the last 12 months via our online or mobile banking services, the daily online transfer limit to non-registered recipients will be reset to HK$0 automatically. For details, please visit go.dbs.com/hk-limit-en.

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Frequently Asked Questions

Funds Transfer Cut-off Time and Fee

Please click here for more details.

Local Transfer Limits

What is my maximum daily local transfer limits?
Different customer segments and transaction types have different maximum daily local transfer limits.
- Shared between PayFast, eLaisee and Scan & Pay:
  HK$10,000
- For non-registered payee：
  HK$600,000 for DBS Treasures Private Clients/DBS Private Bank clients
  HK$300,000 for DBS Treasures customers
  HK$150,000 for DBS Personal Banking customers
- For registered payee：
  HK$1,000,000
  
  If the remaining daily transfer limit for “PayFast, eLaisee and Scan & Pay” is insufficient, we will debit the whole transaction amount from your daily transfer limit for “non-registered payee” to complete the PayFast transfer. Please authenticate with your Digital Token.
Do I need to activate the local transfer limits in order to make a transfer?
If you are new customer, your default setting of local transfer limits is as follows:
- PayFast, eLaisee and Scan & Pay:
  HK$0 (inactivated)
- For non-registered payee:
  HK$0 (inactivated)
- For registered payee:
  HK$200,000
You need to activate “PayFast, eLaisee and Scan & Pay” and “Non-Registered Recipient” daily transfer limits in order to make the relevant transfer. You can click here to learn how to activate these transfer limits.

Third party funds transfer

I used to transfer funds to my registered payee at another local bank. Why is now my FPS transfer to the same payee rejected?
For security reasons, the recipient account name of payee needs to be verified in an FPS transaction^*. Please check if the recipient account name of your registered payee matches with the payee bank's record. If they do not match, the FPS transaction will be rejected.

^*According to the Hong Kong Monetary Authority, by 31 May 2025, all payee banks are required to perform mandatory checking of payee names when
- the payee’s bank account number is used as the identifier; and
- the receiving institution is a retail bank; and
- the transfer amount is HKD/CNY1,000 or above^{^}.
^{^}Some banks (including our Bank) will perform name checking for all payment amounts.

In other cases, the name checking process may not be conducted.
How to update the recipient account name of my registered payee?
The recipient account name of a registered payee cannot be changed. You have to delete the payee and register again.
Why was my transaction still rejected after I had updated the recipient account name of my registered payee?
In this case, please contact the recipient bank for further information.
How can I transfer foreign currency (except HKD and CNY) to an account in other local banks?
To transfer foreign currency to other local bank accounts, please go to Transfer > DBS Remit and Overseas Transfer in DBS iBanking or Pay & Transfer > Overseas Transfer in DBS digibank HK and select “Hong Kong” as your destination.

What information should I provide if sender would like transfer to my account number?

We will check payee’s name for FPS deposit of any amount.

Please remind your sender to use your FULL account name registered with DBS (instead of your nickname) for any transfer to your account number; otherwise, the transfer will be rejected. You can check your full registered name on your bank statement. You can also register and ask your sender to use your FPS proxy ID (mobile number/ email address) for more convenience.

Transfer CNY to other DBS bank accounts

How can I transfer CNY to other DBS bank accounts?

Transferring CNY to other DBS bank accounts is not supported by FPS. To transfer CNY to other DBS bank accounts, please go to “Transfer” > “To Other DBS Account” in DBS iBanking, or tap “Pay & Transfer” > “Local Transfer” in DBS digibank HK, then select “DBS Wealth Management Account” as your source of funds.

Note: At this time, you can only use “DBS Wealth Management Account” as your source of funds to transfer CNY to other DBS bank accounts via DBS digibank HK.

Questions related to high risk alert

If I find my recipient’s FPS proxy ID/bank account number/Stored Value Facility (SVF) account number is being flagged by the high risk alert, how can I remove it?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at [email protected] if you think the FPS proxy IDs/bank account numbers/SVF account numbers are not tagged correctly or if you think there is an error with the information/alert.
Will DBS be able to help remove my FPS proxy IDs/bank account numbers/SVF account numbers from the high risk alert?

No, DBS cannot do the deletion. The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at [email protected] if you think the proxy IDs/account numbers are not tagged correctly or if you think there is an error with the information/alert.
If I want to report a suspicious FPS proxy ID/bank account number/SVF account number, what should I do?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. If you suspect a crime case has occurred, please call “Anti-Scam Helpline 18222” hotline for assistance. If you suspect that you have fallen prey to a scam, please report to the Hong Kong Police Force at a police station or via Hong Kong Police Force e-Report Centre.
If there is no high risk alert message relating to my recipient, does it guarantee it is safe to transfer to him/her?

No, it is not guaranteed. The high risk alert message will only be shown if the recipient’s FPS proxy ID/bank account number/SVF account number is included in the scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/bank account number/SVF account number, the proxy ID/account number will not be included in the high risk alert.

You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.
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?

The FPS proxy IDs/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/bank account number/SVF account number, the proxy ID/account number will not be included in the high risk alert.
What is the source of the high risk alert and how is my private information being protected?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please visit the webpage of Scameter for more details.
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!

According to the record provided by the Hong Kong Police Force, your FPS proxy ID/bank account number/SVF account number is related to a scam report. Please contact them at [email protected] if you think the FPS proxy ID/bank account number/SVF account number is not tagged correctly.
I discovered my recipient's mobile number/account number has been flagged in Scameter. How come DBS did not alert me when I now try to make payment to this FPS proxy ID/bank account number/SVF account number?

The high risk alert is generated based on information collected from scam reports provided by the Hong Kong Police Force and updated from time to time on a daily basis. Please check again that the recipient is trustworthy before you proceed with the transaction.
I discovered my recipient's mobile number/account number has been flagged in Scameter. How come DBS did not alert me when I previously made payment to this FPS proxy ID/bank account number/SVF account number?

The FPS proxy ID/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular proxy ID/account number, the proxy ID/account number will not be included in the high risk alert.

Questions on operation of high risk alert

How would I know if my recipient’s mobile number/email address/FPS Identifier/bank account number/SVF account number is flagged for high risk alert?

You can check from Scameter (cyberdefender.hk) to see if it is flagged as “High Risk”. When performing a transaction with use of FPS proxy ID (i.e. mobile number, email address, or FPS Identifier)/bank account/SVF account via DBS iBanking/ DBS digibank HK app/ DBS Card+ app/ DBS bank counter/ ATM, a high risk alert message will be displayed for those FPS proxy IDs/bank accounts/SVF accounts flagged in the scam reports provided by the Hong Kong Police Force. You are advised not to make any transactions to the recipient unless you have carefully verified the recipient’s identity and ensure that the recipient is trustworthy.
If I confirm to DBS 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 realise I have been scammed, what should I do?

If you suspect you have been scammed, you may visit a police station or the Hong Kong Police Force e-Report Centre to file a report. In tandem, please report the case to our Customer Services Hotline at (852) 2290 8888.
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?

The FPS proxy IDs/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/account number, the proxy ID/account number will not be included in 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?

Yes, you can, but please be reminded that the transaction has high risk of fraud. You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.

App-to-App (ATA)/ Web-to-App (WTA) payment function

What is App-to-App/ Web-to-App?
App-to-App (ATA)/ Web-to-App (WTA) is a payment function of the FPS. When you access a merchant app or webpage supporting this function via your mobile phone and select FPS when making payment, the DBS digibank HK app in your mobile phone will be invoked automatically for making payment via the FPS.
How does App-to-App/ Web-to-App work?
Watch the video to see how it works:

Step 1: Log in to the merchant’s app or webpage to purchase goods or services, and select FPS for payment.
Step 2: After choosing FPS for payment, the screen will automatically display the banking apps and e-wallets supporting the FPS ATA/ WTA function in your mobile phone for you to choose.
Step 3: Choose DBS digibank HK app to make payment. The transaction details (including merchant’s name and payment amount, etc.) will be displayed directly on the screen. You need to perform identity authentication and authorise the payment after verifying the payment information.
Step 4: Upon completion of payment, click “RETURN TO MERCHANT APP” will return to the merchant’s app or webpage automatically to confirm the transaction is done.

App-to-App e-CNY wallet top-up service

What is e-CNY?
e-CNY is the digital form of fiat currency issued by the People’s Bank of China (PBoC). Same as the physical form of CNY, e-CNY is also the legal tender of China. DBS Bank (Hong Kong) Limited provides the e-CNY wallet top-up service via FPS. Please click here for more important notes on e-CNY wallet top-up service.
What is e-CNY wallet?
e-CNY wallet is the carrier of e-CNY.
What currencies are supported by App-to-APP e-CNY wallet top-up service?
The service only supports Renminbi (RMB) dollars at the moment. Please perform RMB exchange, then top-up using RMB in your multi-currency savings account.
How to complete the e-CNY top-up transaction?
Choose DBS digibank HK app to top-up e-CNY via e-CNY wallet. The transaction details will be displayed directly on the screen of the DBS digibank HK app. You need to read and agree with the important notes for e-CNY wallet top-up service, perform identity authentication and authorise the payment after verifying the payment information. Upon completion of payment, click “RETURN TO MERCHANT APP” will return to e-CNY wallet to confirm the transaction is done.
When I completed the e-CNY top-up transaction, can I reverse or cancel the transaction?
The e-CNY top-up transaction is irreversible and cannot be cancelled. Please contact your e-CNY wallet operator / provider for assistance related to withdrawal, refund or any access to the funds in the e-CNY wallet.

Terms and ConditionsTerms and Conditions apply. Please refer to the Faster Payment System section under Bank Accounts and Services Terms and Conditions.

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Download DBS digibank HK with APK file, please click here.

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