FPS - Faster Payment System | Pay Government Bills

How to register

How to use FPS

HSBC Online Banking – Send money with FPS | Make Quick Transfers with FPS

How to register

Step 1: Log on and tap on the Profile tab on the top right then select ‘Pay and transfer’.

Step 2: Then find ‘Register or view FPS registration’.

Step 3: Choose a Proxy ID to receive money: Choose between your mobile number, email address, FPS Identifier or HKID - or go for all 4 so you can be more easily found for fund transfers!

We will prefill some details based on your bank records. You can update them at any time.

Step 4: Choose an account to receive payments sent to this Proxy ID. Select ‘Send code’ to receive a one-time verification code. We’ll send it to the mobile number or email address you’ve registered with (registrations by FPS Identifier don’t need to be verified).

Step 5: Enter your one-time verification code (you won’t see this screen if you register with an FPS Identifier).

Step 6: Select ‘Other FPS registrations’ to see if you have registered your Proxy ID anywhere else, and please remove registrations that do not belong to you, otherwise you will have problems with receiving money.

Verify your details and then select ‘Confirm’ to complete your registration.

Step 7: You are now registered with FPS. If you register with your mobile number you will receive an SMS confirmation. If you choose to register with your email address, HKID or FPS Identifier, we'll send you an email confirmation after you're done. You can also check your FPS registration status in ‘Register or view FPS registrations’.

Step 1: Log on and tap on the Profile tab on the top right then select ‘Pay and transfer’.

Step 2: Then find ‘Register or view FPS registration’.

Step 3: Choose a Proxy ID to receive money: Choose between your mobile number, email address, FPS Identifier or HKID - or go for all 4 so you can be more easily found for fund transfers!

We will prefill some details based on your bank records. You can update them at any time.

Step 5: Enter your one-time verification code (you won’t see this screen if you register with an FPS Identifier).

Verify your details and then select ‘Confirm’ to complete your registration.

How to use FPS

Using HSBC HK Mobile Banking app

Step 1: Log on and tap on ‘Pay & Transfer’ on the bottom menu and select ‘Other local payees/ FPS'.

Using HSBC HK Mobile Banking app Send money with FPS step 2

Step 2: Choose 'From account'.

Using HSBC HK Mobile Banking app Send money with FPS step 3

Step 3: Choose a new or existing payee.

Using HSBC HK Mobile Banking app Send money with FPS step 4

Step 4: Select method (skip this step if existing payee is chosen).

Using HSBC HK Mobile Banking app Send money with FPS step 5

Step 5: Select payee from the phone book or find the payee by searching for the payee's mobile number.

Using HSBC HK Mobile Banking app Send money with FPS step 6

Step 6: Input payment details (eg amount, currency, date).

Step 7: Verify details, further authenticate (if needed) and confirm.

Step 1: Log on and tap on ‘Pay & Transfer’ on the bottom menu and select ‘Other local payees/ FPS'.

Step 2: Choose 'From account'.

Step 3: Choose a new or existing payee.

Step 4: Select method (skip this step if existing payee is chosen).

Step 5: Select payee from the phone book or find the payee by searching for the payee's mobile number.

Step 6: Input payment details (eg amount, currency, date).

Step 7: Verify details, further authenticate (if needed) and confirm.

Step 1: Select 'Make an FPS transfer' from the bottom-left of your log on screen, and select 'Scan to pay'. This will open your phone's camera. (You have to set up a debit account and a small-value payment limit before you can use this function.)

Step 2: Hold your device over the payee‘s QR code. Make sure their code is clearly visible and aligned with the square on your screen.

You can also pay someone by using a previously-saved image of a QR code, or add your payee from your device’s contact list.

Step 3: Enter your 6-digit Mobile Banking PIN, Mobile Security Key password or user biometric authentication to verify your identify and proceed with the payment.

Step 4: Enter the payment amount. If the QR code has an embedded amount, you won’t have to enter anything here.

If the payee’s name and the transaction details are correct, select ‘Confirm and pay’ to complete the transaction.

Step 5: Your transfer is complete. You will receive a confirmation via SMS and email.

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions

You can transfer up to HKD10,000 daily via QR code when sending money to family and friends.

For all merchants, you can transfer up to HKD10,000 daily when sending money to ecommerce, retail companies, and public utilities.

For selected merchants, you can transfer up to a limit of HKD400,000 daily via QR code, depending on your current non-registered account limit (for Internet/Mobile banking or across channels) and its remaining daily limit, whichever is lower.

You can log on to Personal Internet Banking and visit ‘My banking’ > ‘Daily payment and transfer limits’ > ‘To non-registered accounts’ to check or adjust your daily limit for non-registered accounts.

Step 1: Select ‘Show my FPS QR code’ from the bottom of your log on screen to display your QR code.

(You have to register for FPS before you can use this function. If you haven’t registered yet, selecting this feature will guide you to the registration process.)

Step 2: Show your QR code to people so they can scan it and transfer money to you via FPS. You can also take a screenshot of the code and send it to people to scan and pay you later.

If you want to embed a payment amount in your QR code select ‘Enter amount’.

Step 3: If you want to embed a payment amount in your QR code, enter the amount and select ‘Continue’.

Step 4: Now when people scan your QR code they will transfer the requested amount.

We will send you an email notification when you receive a QR code payment.

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions

Make FPS in-app payment with HSBC step 1

Step 1: When you're at the checkout at the merchant's app, select FPS on the available payment options.

(Note: This image is for illustration purposes only and is not part of the HSBC HK Mobile Banking app.)

Make FPS in-app payment with HSBC step 2

Step 2: Select the HSBC HK Mobile Banking app from the payment options shown on your device. Before you can use this function, make sure you've:

activated your Mobile Security Key
chosen a selected debit account
set up a small-value payment limit

If you're an iOS user, make sure you've already enabled your biometric authentication on your device.

(Note: This image is for illustration purposes only and is not part of the HSBC HK Mobile Banking app.)

Make FPS in-app payment with HSBC step 3

Step 3: Verify whether the merchant's name and the payment amount are correct. Select 'Confirm payment' to complete the transaction.

Make FPS in-app payment with HSBC step 4

Step 4: Enter your Mobile Security Key password or use biometric authentication to verify your identity and to continue with the payment.

Make FPS in-app payment with HSBC step 5

Step 5: Your payment is complete. The merchant's bill reference number will appear on the confirmation screen, and you'll be sent an SMS and email confirmation from us. Remember to record the reference number in case you have an enquiry or dispute with the merchant.

Select 'Back to merchant' to continue with your purchase.

Make FPS in-app payment with HSBC step 6

Step 6: You'll receive a confirmation from the merchant once your purchase is successful.

(Note: This image is for illustration purposes only and is not part of the HSBC HK Mobile Banking app.)

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions

Before you can use this function, make sure you’ve:

activated your Mobile Security Key
selected a debit account
set up small-value payment limit

If you're an iOS user, make sure you've already enabled your biometric authentication on your device.

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions.

You can top up your e-CNY wallet app with maximum HKD10,000 equivalent daily.

Step 1: Select ‘Top-up’ on your e-CNY wallet account dashboard.

Step 2: Enter the top-up amount and select 'HSBC HK' from the payment options shown on your device.

Next, you'll be taken to the HSBC HK App, where you can select the payment account and verify the details.

Step 3: After authentication, choose a debit account (exchange rate will be displayed if HKD account is selected) to proceed.

Step 4: Verify whether transaction details are correct. Select ‘Confirm and pay’ to complete the transaction.

Step 5: Your top-up transaction is complete. The transaction reference number will appear on the confirmation screen, and we'll send you a confirmation both by SMS and email. Remember to record the reference number in case you have an enquiry with the service provider.

Select 'Back to merchant’s app' or 'X' icon at the top left corner to return to e-CNY wallet.

Before you can use FPS 'Scan to pay' on HSBC HK App, make sure you’ve:

activated your Mobile Security Key
selected a default debit account
set up small-value payment limit

If you're an iOS user, make sure you've already enabled your biometric authentication on your device.

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions.

Once done, follow the steps below.

Step 1: Open HSBC HK App and select 'FPS transfer'.

Step 2: Select 'Scan to pay', then read and agree to the use of stored information (if you're using it for the first time).

Step 3: Allow HSBC HK App to access your camera and scan the QR code of the merchant.

Step 4: Review the HKD debit amount and exchange rate. Select 'Continue' to proceed.

Step 5: Review the payment details and select 'Confirm' to reauthenticate and submit payment request.

Step 6: After you pass the reauthentication, your transfer is complete. We'll send you a confirmation both via SMS and email.

Using Online Banking

Using Personal Internet Banking Send money with FPS step 1

Step 1: Log on to HSBC Online Banking and go to 'My banking' and select 'Pay or transfer'. Then choose 'Transfer to other local payees / FPS'.

Choose the account you want to send money from, then choose 'Pay someone new' to make a transfer to an unregistered payee. Under 'Payment type', select 'Phone number/ email address/ FPS identifier', and then choose your preferred FPS proxy ID. Enter the proxy ID details and check the box to add this payee to your payee list if preferred.

Using Personal Internet Banking Send money with FPS step 2

Step 2: Enter the payment amount and set the transfer date. You can also add a message to your payee. Read and acknowledge the important information and disclaimer, then select 'Continue'.

Using Personal Internet Banking Send money with FPS step 5

Step 3: Review the payee's name and the transaction details. You may be asked to provide a transaction signing code. Simply enter the code by following the instructions on the page. Check that all transaction details are correct before you select 'Confirm'.

Using Personal Internet Banking Send money with FPS step 6

Step 4: Your transfer is complete. You can print a copy of the receipt or make another payment.

Step 1: Log on to HSBC Online Banking and go to 'My banking' and select 'Pay or transfer'. Then choose 'Transfer to other local payees / FPS'.

Step 2: Enter the payment amount and set the transfer date. You can also add a message to your payee. Read and acknowledge the important information and disclaimer, then select 'Continue'.

Step 4: Your transfer is complete. You can print a copy of the receipt or make another payment.

Step 1: Log on and go to ‘Quick Transfer’ on the ‘My accounts’ dashboard and select ‘New Payee’. Enter the Proxy ID* (the payee’s phone number or email address) you will send the money to.

*You can only use this function if your payee has registered with FPS.

Step 2: Enter the payment amount. You can also include a message to the payee.

Step 3: If the payee’s name and the transaction details are correct, select ‘Transfer now’.

Step 4: Your transfer is complete. Whenever you make a transfer you will receive a confirmation via SMS and email.

FPS: Quick Start

How to register

Using HSBC HK App

How to use FPS

Using HSBC HK Mobile Banking app

How to send money with FPS

Pay with QR code

Get paid via QR code

Make FPS in-app payment with HSBC

Top-up e-CNY wallet

How to use FPS x PromptPay QR payment in Thailand

Using Online Banking

Send money with FPS

Make Quick Transfers with FPS