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![](../asset/images/sme/steps/s0_1_en.png)
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![](../asset/images/personal/phone_frame.png)
1
Input and verify your mobile number
2
Set up your username and password
3
Take 3 photos of your HKID at different angles for
identity verification
4
Follow instructions to take selfie for biometric
identification
5
Input and confirm your personal information
6
Share QR code to Director(s) & Shareholder(s) for
confirmation
7
Done! Grow your savings without monthly fees
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No minimum deposit balance requirement
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0.1% p.a. preferential saving interest rate
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Under Deposit Protection Scheme (up to HK$500,000)
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7x24 online application via mobile APP
Savings Deposit Rate
Deposit Balance(HKD) | Annual Interest Rate |
---|---|
First $500,000 | 0.10% |
Above $500,000 | 0.01% |
The annual interest rate is effective from 21 January 2022. (The annual interest rate is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.)
![](../asset/images/sme/sme_p1.png)
![](../asset/images/sme/p1_screen_1_en.png)
![](../asset/images/sme/p1_screen_2_en.png)
![](../asset/images/sme/phone_frame.png)
![](../asset/images/sme/sme_p2_v2.png)
![](../asset/images/sme/p2_screen_en.png)
![](../asset/images/sme/phone_frame.png)
Bank Transfer
Make transaction via FPS
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Register FPS service using FPS ID / mobile number / email address
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Make instant HKD transfers anytime and anywhere
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FPS Local transactions without fee
Transfer to other PAObank accounts
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Input payee’s name, account number to make transfer
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Make instant HKD transfers anytime and anywhere
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“Intra Bank Transfer” transactions without fee