1、How to apply for internet banking?

A: Customers should sign the General Agreement of electronic channels at counter and then activate the internet banking channels. Internet banking users can be categorized as normal users and users with security device. Users with security device are those applied for security device at counter.

2、How to login Internet Banking?

A: You can enter http://www.bankcomm.com.mo on the browser’s address bar, at the upper left corner of the "Welcome to Bank of Communications Internet Banking “area, select "Click Login" button, you can enter internet banking login page. In addition, the login page will provide the function of help and o help you with a wealth of information and dynamic presentation capabilities.

3、How to transfer funds to Macau Bank account via Internet Banking?

A: The users of security device login internet banking through the "Transfer and Remittance – Single Funds transfer" or "Transfer and Remittance – Funds Transfer by Batch" to the Macau Bank account transfer, and real-time arrival. If you select "Transfer and Remittance – Single Funds transfer" transactions, should be receiving information in the "transfer to" select "Macao. "Transfer and Remittance – Funds Transfer by Batch" is only available to the Macau Bank account transfer services need to select a transfer area. Note the following points: 1) the payee must be the Macau branch of Savings Bank checking account or savings account customers. 2) To effectively protect the user's transaction security, regardless of the size, all transfer transactions are dynamic password authentication. No dynamic token customers, please go to the line outlets to apply for a token.

4、How to perform fund transfer to mainland and Hong Kong via internet banking?

A: The security device user login to online banking, through the "Transfer and Remittance – Single Funds transfer" can transfer fund to mainland or Hong Kong Bank account, should be receiving information in the "transfer to" select "Hong Kong" or " Mainland . " Note the following points: 1) the payee must be the Bank's customers to the mainland, or Hong Kong Bank Savings account or a check savings account customers. Continental Bank personal customer accounts can not serve as collection accounts. 2) According to the receiving account number and transfer amount, automatic withdrawals from the account after deducting fees. 3) To effectively protect the user's transaction security, regardless of the size, all transfer transactions are used security device password to authenticate. No security device customers should apply for the security device at branches.

5、How to perform fund transfer to overseas bank accounts via internet banking?

A: The security device user login to internet banking, through the "Transfer and Remittance – Overseas Remittance" can transfer fund to Macau, mainland China, Hong Kong, and other bank . Customer can choose the way of fee deduction, account and currency. Note the following points: 1) costs associated with customer instructions will be deducted . 2) To effectively protect the user's transaction security, regardless of the size, all transfer transactions are used security device password to authenticate. No security device customers should apply for the security device at brnahces.

6、How to handle foreign exchange through internet banking?

A: Login internet banking, in the "foreign exchange" under the foreign exchange transactions, currently we provide MOP, HKD, RMB, USD, AUD 5 kinds of currencies freely convertible. Foreign exchange business hours are Monday to Friday 9:00 - 16:00.

7、If you forget the username and how to get back?

A: If you have forgotten your Internet Banking user name, the security device user can click on upper left corner, "forget the user name" on the home page, follow the instructions to enter registration information to retrieve your username. To protect your security, normal users should retrieve the username at branch.

8、How to reset my password?

A: The security device user can click on the internet banking login page "Reset Logon Password", according to the instructions to enter registration information when registering, and then reset the password. To protect your account security, normal user should report the loss or reset operation at branch.

9、Internet banking login password error, it will be locked? How to unlock?

A: If customer input wrong password in 6 consecutive times, the internet banking will be locked. Security device user can use the "Reset Logon Password" function to set a new password; normal user should report the loss or reset operation at the counter.

10、Page message "Session has timed out", why?

A: For the safety of customer’s account, the Bank will suspend the internet service for continually with any operation for 15 minutes. After ward the "Session has timed out" will appear.

11、Can we report the loss of security device via internet banking?

A: Yes. Customers can report loss through internet banking with emergency loss, loss of emergency entrance has two: (1) on the login page click on "Emergency Report the Loss of the Security Device"; (2) login to online banking, through the "Customer Serv. – Emergency Report the Loss of the Security Device "transactions, customer loss according to the instructions on the page enter the registration information. Complete loss of emergency, the customer must report the loss to go through formal procedures at counter.

12、How to open a time deposit on internet banking?

A: Customers should first at the counter to open a regular savings account, and through the counter or internet bank account added as a sub-account. Login internet banking, through the "Time deposit service – open time deposit" transfer fund from savings / checking account to time deposit account and then open various types of time deposit.

13、Can time deposit be uplift through online banking?

A: Only deposit slips with Maturity Instruction set to “Pending Customer instruction” can be manually uplift after maturity. No deposit slip of any kind can be withdrawn through online banking before coming due.

14、Can we view the consolidated statements on Internet banking?

A: Yes. Customers can login to internet banking, in the "customer service –consolidated statement" to provide "consolidated statement" and "change the statement mailing instructions" two options. In which, through the "consolidated monthly statement" to view and download monthly statement. Through the "change statement mailing instructions" to change the consolidated statement of the send method is divided into mail, no mail in two ways.

15、Use of Security device to log in must verify the dynamic password?

A: No, you can set up as needed by the customer. Use of Security device to login internet banking , through the "Customer Service - Login mode" to verify the security device password. For your account security, I suggest you to log on with the security device password.

Bank of Communications Co., Ltd. Macau Branch All Rights Reserved test