FAQ Shopper Category: Transfer and Remittance
Cross-border Lucky Money
How to receive Cross-border Lucky Money?
Cross-border Lucky Money will be transferred to the default bank account of the Alipay user in Mainland China. The recipient must collect the Cross-border Lucky Money within 48 hours after receiving the notification or the Cross-border Lucky Money will be cancelled and refunded.
- If the recipient has set up a default bank account via Alipay, the Cross-border Lucky Money can be transferred to the account within 15 minutes.
- If not, the recipient has to set up a default bank account within 72 hours after receiving the Cross-border Lucky Money (the Cross-border Lucky Money should be collected within 48 hours). For example, if the recipient collects the Cross-border Lucky Money two hours after receiving notification, he/she still has 70 hours left to set up a default bank account. After the bank account is successfully set up via Alipay, the Cross-border Lucky Money can be transferred to the account within 15 minutes.
What is the handling fee for sending Cross-border Lucky Money?
No handling fee.
What are the payment methods of Cross-border Lucky Money?
Cross-border Lucky Money can be paid by AlipayHK balance, bank account, or Ant Bank Libra Saving Account. Please ensure there is sufficient balance or completed linkage of a bank account or Ant Bank Libra Saving Account.
What is the amount limit of Cross-border Lucky Money?
The amount limit of each Cross-border Luck Money is RMB 50-520. Cross-border Lucky Money shares daily limit with Remittance, and shares yearly limit with all payment functions :
- Intermediate Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 100,000
- Advanced Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 300,000
- HKID Scanning and Live Selfie Verification Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 300,000
What is the difference between Cross-border Lucky Money and remittance?
AlipayHK users can send RMB 50-520 to verified Alipay users in Mainland China via Cross-border Lucky Money, but cannot send to their own accounts. In addition, customised greeting messages can be sent together with the Cross-border Lucky Money.
What is Cross-border Lucky Money?
AlipayHK users can send Cross-border Lucky Money to verified Alipay users in Mainland China. The Cross-border Lucky Money will be sent in HKD via AlipayHK app, while Alipay users in Mainland China receive the Cross-border Lucky Money in RMB. AlipayHK users can choose the Cross-border Lucky Money design cover that fits the purpose. The Alipay user in Mainland China will see the Cross-border Lucky Money design cover chosen by the sender.
Fund transfer
How to turn on/turn off Sound Alert
How to reject receiving the transfer from strangers
How to check Transaction History
How to use FPS
FPS Registration
Transaction Fee of Fund Transfer
- There is no transaction fee for making transfer using AlipayHK balance or bank account.
- For users who transfer by credit card, please take note of the following handling fee waiver limits: Monthly handling fee waiver limit for making transfers and sending lucky money is subject to the account verification levels: HKD 500 for unverified accounts; HKD 1,000 for intermediate accounts; and HKD 1,000 for verified accounts. If the fee waiver limit is exceeded, the handling fee of of BOC credit card or Hang Seng Credit Card (Visa/MasterCard) or Standard Chartered Q Credit Card is 1.5%; effective from 1 September 2023, the handling fee of the other credit cards will be adjusted to 4%. Credit card handling fee waiver limit for making transfers and sending lucky money will be calculated together.
*Please refer to the actual transfer transaction for the current available handling fee waiver limits.
* Updated on 24 August 2023
Make a transfer
Payment methods
Transfer to Alipay China
Cancel transfer
Transferred into an incorrect AlipayHK account
Transfer not received
Unable to transfer
Amount limit
Collecting payment
View collection record
Handling fee for receiving money
Unable to collect payment and collection limit
How to collect payment
Remittance
Transfer purpose and the source of funding
Reasons of Remittance Failure
Processing time
The remittance processing time varies depending on the chosen remittance method:
To Mainland China
- Alipay: The remittance should be available instantly. Service is available 24 hours a day, 7 days a week
To the Philippines:
1. Cash withdrawal: If the remittance was made between 9:00am- 6:00pm (GMT +8), the cash should be ready for pick up after 15 minutes of successful remittance
2. Bank Deposit: The processing time may vary depending on selected banks, please allow 1-2 business days before checking
3. GCash: The remittance should be available instantly. GCash service is also available 24 hours a day, 7 days a week
If the information provided is incorrect, the remittance will fail, and the refund time must be based on how the remittance was received:
1. If the remittance information provided is incorrect, the relevant payment will be returned after 10 days; if you choose to use "cash withdrawal" as the method of receiving the remittance, it will take an extra 7 days to return
2. If the bank information provided is incorrect, the payment will be returned in one week
Ways to collect remittance and processing time
To Mainland China:
- Recipients can receive the remittance via Mainland Alipay account balance or linked bank account. - If the recipient receives payments with an Alipay account balance, there is no need to link a bank account, so he/she can enjoy a simple and fast payment experience. - If the remittance is received with a linked bank account, the remittance will be credited within 15 minutes. If the recipient has not set up linked a bank account yet, he/she must do so within 72 hours of receiving the notification, after which the remittance will be automatically canceled cancelled and the amount will be refunded to the sender.
To the Philippines:
- Cash withdrawal: Upon successful remittance, there will be a transaction code on the remittance receipt. Simply present the transaction code at any Cebuana or Palawan outlets to collect in cash. (15 mins to the account)
- Bank deposit: The payee will need to verify with the relevant bank on if the remittance was processed. (1 working day to the account)
- GCash: The remittance will appear in the relevant GCash account. (immediate to the account)
Remittance Limit
Remittance Method
Transaction fee
To Mainland China:
Starting from 14:00 on 13 December 2022, a handling fee of HKD 25 per transaction will be charged for remittance service to the Chinese mainland. From 13 December 2022 to 31 March 2023, the handling fee will be waived in for the following cases: a single remittance over CNY 3,500 or new users' first remittance transaction.
To the Philippines:
1. No commission for the first monthly remittance.
2. Subsequent remittances will be charged a HKD 15 transaction fee.
Exchange rate
Supported countries & currencies
Remittance payment method
To Mainland China:
The remittance function can only be performed through balance, bank account or Libra Savings transactions. Please ensure that your account has sufficient balance or connect any bank account or Libra Savings.
To the Philippines:
The remittance function can only be performed through balance transactions. Please ensure that your account has sufficient balance.
Lucky Money
Will the Lucky Money link expire?
Why can’t the Lucky Money be paid using the remaining/AlipayHK balance?
Is there a transaction fee for sending Lucky Money?
Unverified Accounts: HKD 500
Intermediate Accounts: HKD 1,000
Advanced Accounts: HKD 1,000
HKID Scanning and Live Selfie Verification Accounts: HKD 1,000
If the transaction fee waiver limit is exceeded, the transaction fee of BOC credit cards is 1.5%, and that of other credit cards is 3%.
The transaction fee waiver limit of credit card transfer and Lucky Money function are calculated together.
Is it possible to collect Lucky Money without registering with AlipayHK?
What channels can be used for sharing the Lucky Money link?
Can the Lucky Money be withdrawn?
What is the maximum amount of each Lucky Money?
Maximum amount of Group Lucky Money: HKD 888; maximum number of Lucky Money is 300 units
Please take note of the following transaction limits for different accounts for payment using AlipayHK balance:
Unverified Accounts: HKD 3,000/ transaction;HKD 3,000/ day;HKD 25,000/ year。
Intermediate Accounts: HKD 10,000/ transaction;HKD 20,000/ day;HKD 100,000/ year。
Advanced Accounts: HKD 10,000/ transaction;HKD 30,000/ day;HKD 200,000/ year
HKID Scanning and Live Selfie Verification Accounts: HKD 10,000/ transaction;HKD 30,000/ day;HKD 200,000/ year
Can the Lucky Money be cancelled?
Can Lucky Money sending history be deleted?
Why the Lucky Money refund cannot be collected?
Please take note of the following money collection limits for different accounts:
Unverified Accounts: HKD 3,000/ transaction; HKD 25,000/ year; HKD 3,000/ account balance
Intermediate Accounts: HKD 5,000/ transaction; HKD 100,000/ year; HKD 100,000/ account balance
Advanced Accounts: HKD 5,000/ transaction; HKD 200,000/ year; HKD 100,000/ account balance
HKID Scanning and Live Selfie Verification Accounts: HKD 5,000/ transaction; HKD 200,000/ year; HKD 100,000/ account balance
Annual money collection limit is the collective amount from top-up, credit card, transfer and collection functions.
Can I send Lucky Money with fixed amount?
Can senders collect their own Lucky Money?
How to receive Cross-border Lucky Money?
Cross-border Lucky Money will be transferred to the default bank account of the Alipay user in Mainland China. The recipient must collect the Cross-border Lucky Money within 48 hours after receiving the notification or the Cross-border Lucky Money will be cancelled and refunded.
- If the recipient has set up a default bank account via Alipay, the Cross-border Lucky Money can be transferred to the account within 15 minutes.
- If not, the recipient has to set up a default bank account within 72 hours after receiving the Cross-border Lucky Money (the Cross-border Lucky Money should be collected within 48 hours). For example, if the recipient collects the Cross-border Lucky Money two hours after receiving notification, he/she still has 70 hours left to set up a default bank account. After the bank account is successfully set up via Alipay, the Cross-border Lucky Money can be transferred to the account within 15 minutes.
What is the handling fee for sending Cross-border Lucky Money?
No handling fee.
What are the payment methods of Cross-border Lucky Money?
Cross-border Lucky Money can be paid by AlipayHK balance, bank account, or Ant Bank Libra Saving Account. Please ensure there is sufficient balance or completed linkage of a bank account or Ant Bank Libra Saving Account.
What is the amount limit of Cross-border Lucky Money?
The amount limit of each Cross-border Luck Money is RMB 50-520. Cross-border Lucky Money shares daily limit with Remittance, and shares yearly limit with all payment functions :
- Intermediate Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 100,000
- Advanced Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 300,000
- HKID Scanning and Live Selfie Verification Accounts: Maximum daily limit is HKD 7,999 and yearly limit is HKD 300,000
What is the difference between Cross-border Lucky Money and remittance?
AlipayHK users can send RMB 50-520 to verified Alipay users in Mainland China via Cross-border Lucky Money, but cannot send to their own accounts. In addition, customised greeting messages can be sent together with the Cross-border Lucky Money.
What is Cross-border Lucky Money?
AlipayHK users can send Cross-border Lucky Money to verified Alipay users in Mainland China. The Cross-border Lucky Money will be sent in HKD via AlipayHK app, while Alipay users in Mainland China receive the Cross-border Lucky Money in RMB. AlipayHK users can choose the Cross-border Lucky Money design cover that fits the purpose. The Alipay user in Mainland China will see the Cross-border Lucky Money design cover chosen by the sender.
How to turn on/turn off Sound Alert
How to reject receiving the transfer from strangers
How to check Transaction History
How to use FPS
FPS Registration
Transaction Fee of Fund Transfer
- There is no transaction fee for making transfer using AlipayHK balance or bank account.
- For users who transfer by credit card, please take note of the following handling fee waiver limits: Monthly handling fee waiver limit for making transfers and sending lucky money is subject to the account verification levels: HKD 500 for unverified accounts; HKD 1,000 for intermediate accounts; and HKD 1,000 for verified accounts. If the fee waiver limit is exceeded, the handling fee of of BOC credit card or Hang Seng Credit Card (Visa/MasterCard) or Standard Chartered Q Credit Card is 1.5%; effective from 1 September 2023, the handling fee of the other credit cards will be adjusted to 4%. Credit card handling fee waiver limit for making transfers and sending lucky money will be calculated together.
*Please refer to the actual transfer transaction for the current available handling fee waiver limits.
* Updated on 24 August 2023
Make a transfer
Payment methods
Transfer to Alipay China
Cancel transfer
Transferred into an incorrect AlipayHK account
Transfer not received
Unable to transfer
Amount limit
View collection record
Handling fee for receiving money
Unable to collect payment and collection limit
How to collect payment
Transfer purpose and the source of funding
Reasons of Remittance Failure
Processing time
The remittance processing time varies depending on the chosen remittance method:
To Mainland China
- Alipay: The remittance should be available instantly. Service is available 24 hours a day, 7 days a week
To the Philippines:
1. Cash withdrawal: If the remittance was made between 9:00am- 6:00pm (GMT +8), the cash should be ready for pick up after 15 minutes of successful remittance
2. Bank Deposit: The processing time may vary depending on selected banks, please allow 1-2 business days before checking
3. GCash: The remittance should be available instantly. GCash service is also available 24 hours a day, 7 days a week
If the information provided is incorrect, the remittance will fail, and the refund time must be based on how the remittance was received:
1. If the remittance information provided is incorrect, the relevant payment will be returned after 10 days; if you choose to use "cash withdrawal" as the method of receiving the remittance, it will take an extra 7 days to return
2. If the bank information provided is incorrect, the payment will be returned in one week
Ways to collect remittance and processing time
To Mainland China:
- Recipients can receive the remittance via Mainland Alipay account balance or linked bank account. - If the recipient receives payments with an Alipay account balance, there is no need to link a bank account, so he/she can enjoy a simple and fast payment experience. - If the remittance is received with a linked bank account, the remittance will be credited within 15 minutes. If the recipient has not set up linked a bank account yet, he/she must do so within 72 hours of receiving the notification, after which the remittance will be automatically canceled cancelled and the amount will be refunded to the sender.
To the Philippines:
- Cash withdrawal: Upon successful remittance, there will be a transaction code on the remittance receipt. Simply present the transaction code at any Cebuana or Palawan outlets to collect in cash. (15 mins to the account)
- Bank deposit: The payee will need to verify with the relevant bank on if the remittance was processed. (1 working day to the account)
- GCash: The remittance will appear in the relevant GCash account. (immediate to the account)
Remittance Limit
Remittance Method
Transaction fee
To Mainland China:
Starting from 14:00 on 13 December 2022, a handling fee of HKD 25 per transaction will be charged for remittance service to the Chinese mainland. From 13 December 2022 to 31 March 2023, the handling fee will be waived in for the following cases: a single remittance over CNY 3,500 or new users' first remittance transaction.
To the Philippines:
1. No commission for the first monthly remittance.
2. Subsequent remittances will be charged a HKD 15 transaction fee.
Exchange rate
Supported countries & currencies
Remittance payment method
To Mainland China:
The remittance function can only be performed through balance, bank account or Libra Savings transactions. Please ensure that your account has sufficient balance or connect any bank account or Libra Savings.
To the Philippines:
The remittance function can only be performed through balance transactions. Please ensure that your account has sufficient balance.
Will the Lucky Money link expire?
Why can’t the Lucky Money be paid using the remaining/AlipayHK balance?
Is there a transaction fee for sending Lucky Money?
Unverified Accounts: HKD 500
Intermediate Accounts: HKD 1,000
Advanced Accounts: HKD 1,000
HKID Scanning and Live Selfie Verification Accounts: HKD 1,000
If the transaction fee waiver limit is exceeded, the transaction fee of BOC credit cards is 1.5%, and that of other credit cards is 3%.
The transaction fee waiver limit of credit card transfer and Lucky Money function are calculated together.
Is it possible to collect Lucky Money without registering with AlipayHK?
What channels can be used for sharing the Lucky Money link?
Can the Lucky Money be withdrawn?
What is the maximum amount of each Lucky Money?
Maximum amount of Group Lucky Money: HKD 888; maximum number of Lucky Money is 300 units
Please take note of the following transaction limits for different accounts for payment using AlipayHK balance:
Unverified Accounts: HKD 3,000/ transaction;HKD 3,000/ day;HKD 25,000/ year。
Intermediate Accounts: HKD 10,000/ transaction;HKD 20,000/ day;HKD 100,000/ year。
Advanced Accounts: HKD 10,000/ transaction;HKD 30,000/ day;HKD 200,000/ year
HKID Scanning and Live Selfie Verification Accounts: HKD 10,000/ transaction;HKD 30,000/ day;HKD 200,000/ year
Can the Lucky Money be cancelled?
Can Lucky Money sending history be deleted?
Why the Lucky Money refund cannot be collected?
Please take note of the following money collection limits for different accounts:
Unverified Accounts: HKD 3,000/ transaction; HKD 25,000/ year; HKD 3,000/ account balance
Intermediate Accounts: HKD 5,000/ transaction; HKD 100,000/ year; HKD 100,000/ account balance
Advanced Accounts: HKD 5,000/ transaction; HKD 200,000/ year; HKD 100,000/ account balance
HKID Scanning and Live Selfie Verification Accounts: HKD 5,000/ transaction; HKD 200,000/ year; HKD 100,000/ account balance
Annual money collection limit is the collective amount from top-up, credit card, transfer and collection functions.