FAQ Shopper Category: Transfer and Remittance

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.

No handling fee.

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.

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

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.

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.

Tap "Collect" - Tap settings at the right corner - "Enable sound alert"/ "Disable sound alert"
Tap menu at the left corner of homepage - "Settings" - "Privacy" - "Account searchability" - Turn off "Find me by email" and "Find me by mobile number"
Tap "Transaction History" at homepage - Tap "Record"/ "Pending" to view details
Tap "Transfer" at the bottom left on homepage, select the transfer payee OR enter the phone number or bank account number of the payee, select the transfer method as FPS, select the payee's FPS account, enter and confirm the transfer amount, and enter the payment password to complete the transaction
Tap the menu buttom at the upper left corner on homepage, tap "Settings", tap "FPS Addressing Service", tap " View details ", enter the verification code and then follow the instructions.
Transaction Fee of Making Transfer
1. No transaction fee will be charged for making transfer.
2. The relevant transaction fee for using credit card (Visa / MasterCard, local issuance only) to make transfers is subject to the verification level: HKD 500 for unverified accounts; HKD 1,000 for Intermediate ID Verification accounts; and HKD 2,000 for Advanced ID Verification accounts. If the limit is exceeded, 1.5% of transaction fee will be charged for BOC credit card and 3% will be charged for other credit cards.
3. Taobao shopping: BOC credit card handling fee is 1.5%; other credit cards are 2.5%; using balance for payment is free of charge.
Remarks: Starting from 1/6/2021, the credit card monthly transfer limit of making transfer without handling fee will be adjusted: HKD 500 for unverified accounts; HKD 1,000 for Intermediate ID Verification accounts; and HKD 1,000 for Advanced ID Verification accounts. If the limit is exceeded, 1.5% of transaction fee will be charged for BOC credit card and 3% will be charged for other credit cards. only).
The methods are as follows: 1. Tap “Transfer” at the bottom left of the homepage, select the payee / enter the phone number or AlipayHK account number, select the transfer method (including instant transfer, WhatsApp, FPS or SMS), enter and confirm the transfer amount, choose payment Method (such as credit card), tap "Confirm", Enter the payment password to complete the transaction. 2. On the homepage, click "Scan" on the lower left corner, scan the counterparty's payment QR code, enter and confirm the amount, select the payment method (such as a credit card), tap "Confirm", enter the payment password to complete the transaction. 3. On the homepage, tap "Transfer" at the bottom left, tap "Records", Select your payee, tap "Transfer again", Follow the instructions in Method 1 above to complete the transaction..
Payment can be made by balance, credit card (Visa / MasterCard, local issue only) or FPS.
Currently, AlipayHK only supports transfers to AlipayHK accounts, not Alipay China accounts.
1. Through instant transfer or FPS transfer: The payee can receive the payment immediately, and the confirmed transfer transaction cannot be cancelled. 2. Via WhatsApp or SMS: The payee needs to confirm within 24 hours to receive the payment. Before the other party confirms the payment, the payer can cancel the transaction at any time. If the receipt has not been confirmed within 24 hours, the relevant amount will be automatically returned to the payer. * Please ensure that the payee details are correct before transferring money. At the same time, it is recommended that users should set names and profile picture for payees to ensure the transfer is correct.
If you transferred to the wrong account, please call our customer service hotline: 852-2245 3201, office hours: Monday to Sunday, 9:00 am-9:00 pm. After receiving your information, we will assist in contacting the payee to return the money; if the payee refuses to return it, we recommend that you call the police for assistance.
Extra time maybe required for the system to proceed with transfers. We suggest checking again in 24 hours. If the transfer still has not been received, please call our customer service hotline at 2245 3201 (Mon-Sun, 9am-9pm) for immediate assistance.
Reasons for the failure: 1. Exceeded the trasfer limit of the verfication level 2. Exceeded the limit of your linked credit card or bank account 3. Insufficient balance The transfer limit must be based on the account verification level: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD10,000; a full yearly limit of HKD100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD200,000; an account balance of HKD 100,000 • All users have a single limit of HKD 2,000 if the transfer is from WhatsApp / SMS. • Annual transfer limit is equivalent to the limits of in-store payments, online payments, and cash withdrawal.
The transfer limit must be based on the account verification level: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 10,000; a full yearly limit of HKD100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD200,000; an account balance of HKD 100,000 • All users have a single limit of HKD 2,000 if the transfer is from WhatsApp / SMS. • Annual transfer limit is equivalent to the limits of in-store payments, online payments, and cash withdrawal.
Tap "Collect" at homepage－ Tap "Collection History"
There is no handling fee for receiving money.
Failure to receive money may be due to the limit set for your account verification level being exceeded: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 10,000; a full yearly limit of HKD 100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD 200,000; an account balance of HKD 100,000 • The annual collection limit as listed above also applies to top up, credit card transfer and etc.
Ways to collect payments: 1. Tap "Collect" at the bottom right on homepage, show the QR code on the page to the payer, the payer sets the payment amount to complete the transaction. 2. Tap "Collect" at the bottom right on homepage, tap "Set amount", enter the total amount and no. of people (the total amount will be divided evenly according to the number of people), after your confirmation, you can notify the payee via social media (such as WhatsApp) to complete the transaction.
As per Hong Kong AML and CTF regulations, we are required to inquire about the purpose of each transfer.
A refund of a remittance application could be due to: 1. An error in the information provided; 2. Lack of cash withdrawal within 10 days after selecting Cash Withdrawal as your remittance method; 3. The receiver's GCash wallet is not verified; 4. Account security. Remittances involving below reasons will be refunded in full, and no handling fee will be charged, and the refund time must be based on the method of receiving the remittance: 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

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

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)
The verification level should be of Intermediate or Advanced level for remittance in Mainland China:

• For Intermediate accounts, the maximum remittance limits are HKD 7,999 daily and HKD 100,000 annually
• For Advanced accounts, the maximum remittance limits are HKD 7,999 daily and HKD 300,000 annually
• For HKID Scanning and Live Selfie Verification accounts, the maximum remittance limits are HKD 15,000 daily and HKD 300,000 annually
• Remittance, in-store payments and online payments using account balance shall be included in and counted towards the same limit of the account balance
• The minimum remittance amount is HKD 20 per transaction


The verification level should be of Intermediate or Advanced level for remittance in the Philippines:

• For Intermediate accounts, the maximum remittance limits are HKD 5,000 daily and HKD 60,000 annually (limit inclusive of other transactions)
• For Advanced accounts, the maximum remittance limits are HKD 5,000 daily and HKD 100,000 annually (limit inclusive of other transactions)
• Remittance, in-store payments and online payments shall be included in and counted towards the same limit
• The minimum remittance amount is HKD 100 per transaction
1. According to regulatory requirements, intermediate or advanced account verification must be completed before any remittance transactions. 2. Click "More"-"Remittance" in the application centre in the middle of the homepage. (Recommendation: "Homepage Apps"-"Edit"-drag "Remittance" to the homepage application) 3. The remittance function can only be used if users use his balance as funding channel. Please ensure that the account has sufficient balance first. 4. On the remittance page, tap "New Remittance"- select the remittance destination - select the recipient's payment method - enter the amount - enter the beneficiary information - complete the transaction after confirmation.

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.
International exchange rates are provided in real time by partner institutions EMQ.
We currently support international remittance to Mainland China and the Philippines in the RMB and Peso currency. We are working hard to expand the service to more countries and regions. Please stay tuned!

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 link will expire and return to the sender 24 hours after being sent if it hasn’t been collected.
From 1 January 2022 onwards, users who are registered on or after 1 September 2021 and have not yet completed the ID scanning and live selfie verification will not be able to perform the following functions by balance：Taobao (except for Tmall HK), transfer and send Lucky Money, cross-border payments and remittance. Users can link a credit card for sending Luck Money. Once you complete the verification, you can enjoy the maximum transaction limits and all product functions. ID scanning is only applicable to HKID.
There is no transaction fee for sending Lucky Money using AlipayHK balance or bank account. For users who send Lucky Money by credit card, please take note of the following transaction fee waiver limits:

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.
In order to collect and use Lucky Money, you will need to download the AlipayHK app and register for an account.
The Lucky Money link can be sent to most of the messaging apps, including but not limited to WhatsApp, Facebook, Instagram, SMS and other social media platforms.
The Lucky Money collected will be credited into AlipayHK balance. The money can be withdrawn after completing the ID scanning and live selfie verification and linking a bank account.
Maximum amount of Single Lucky Money: HKD 888
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
After sending the Lucky Money, it cannot be cancelled. Lucky Money will return to the sender 24 hours after being sent if it hasn’t been collected.
No.
Refund may not be collected if the amount exceeds the collection limit for the account verification level.

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.
Yes. The amount in each Lucky Money can be set as random or fixed.
Senders can collect their own Lucky Money if the amount is set as random. If the amount in each Lucky Money is fixed, then senders will not be able to collect their own 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.

No handling fee.

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.

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

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.

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.

Tap "Collect" - Tap settings at the right corner - "Enable sound alert"/ "Disable sound alert"
Tap menu at the left corner of homepage - "Settings" - "Privacy" - "Account searchability" - Turn off "Find me by email" and "Find me by mobile number"
Tap "Transaction History" at homepage - Tap "Record"/ "Pending" to view details
Tap "Transfer" at the bottom left on homepage, select the transfer payee OR enter the phone number or bank account number of the payee, select the transfer method as FPS, select the payee's FPS account, enter and confirm the transfer amount, and enter the payment password to complete the transaction
Tap the menu buttom at the upper left corner on homepage, tap "Settings", tap "FPS Addressing Service", tap " View details ", enter the verification code and then follow the instructions.
Transaction Fee of Making Transfer
1. No transaction fee will be charged for making transfer.
2. The relevant transaction fee for using credit card (Visa / MasterCard, local issuance only) to make transfers is subject to the verification level: HKD 500 for unverified accounts; HKD 1,000 for Intermediate ID Verification accounts; and HKD 2,000 for Advanced ID Verification accounts. If the limit is exceeded, 1.5% of transaction fee will be charged for BOC credit card and 3% will be charged for other credit cards.
3. Taobao shopping: BOC credit card handling fee is 1.5%; other credit cards are 2.5%; using balance for payment is free of charge.
Remarks: Starting from 1/6/2021, the credit card monthly transfer limit of making transfer without handling fee will be adjusted: HKD 500 for unverified accounts; HKD 1,000 for Intermediate ID Verification accounts; and HKD 1,000 for Advanced ID Verification accounts. If the limit is exceeded, 1.5% of transaction fee will be charged for BOC credit card and 3% will be charged for other credit cards. only).
The methods are as follows: 1. Tap “Transfer” at the bottom left of the homepage, select the payee / enter the phone number or AlipayHK account number, select the transfer method (including instant transfer, WhatsApp, FPS or SMS), enter and confirm the transfer amount, choose payment Method (such as credit card), tap "Confirm", Enter the payment password to complete the transaction. 2. On the homepage, click "Scan" on the lower left corner, scan the counterparty's payment QR code, enter and confirm the amount, select the payment method (such as a credit card), tap "Confirm", enter the payment password to complete the transaction. 3. On the homepage, tap "Transfer" at the bottom left, tap "Records", Select your payee, tap "Transfer again", Follow the instructions in Method 1 above to complete the transaction..
Payment can be made by balance, credit card (Visa / MasterCard, local issue only) or FPS.
Currently, AlipayHK only supports transfers to AlipayHK accounts, not Alipay China accounts.
1. Through instant transfer or FPS transfer: The payee can receive the payment immediately, and the confirmed transfer transaction cannot be cancelled. 2. Via WhatsApp or SMS: The payee needs to confirm within 24 hours to receive the payment. Before the other party confirms the payment, the payer can cancel the transaction at any time. If the receipt has not been confirmed within 24 hours, the relevant amount will be automatically returned to the payer. * Please ensure that the payee details are correct before transferring money. At the same time, it is recommended that users should set names and profile picture for payees to ensure the transfer is correct.
If you transferred to the wrong account, please call our customer service hotline: 852-2245 3201, office hours: Monday to Sunday, 9:00 am-9:00 pm. After receiving your information, we will assist in contacting the payee to return the money; if the payee refuses to return it, we recommend that you call the police for assistance.
Extra time maybe required for the system to proceed with transfers. We suggest checking again in 24 hours. If the transfer still has not been received, please call our customer service hotline at 2245 3201 (Mon-Sun, 9am-9pm) for immediate assistance.
Reasons for the failure: 1. Exceeded the trasfer limit of the verfication level 2. Exceeded the limit of your linked credit card or bank account 3. Insufficient balance The transfer limit must be based on the account verification level: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD10,000; a full yearly limit of HKD100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD200,000; an account balance of HKD 100,000 • All users have a single limit of HKD 2,000 if the transfer is from WhatsApp / SMS. • Annual transfer limit is equivalent to the limits of in-store payments, online payments, and cash withdrawal.
The transfer limit must be based on the account verification level: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 10,000; a full yearly limit of HKD100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD200,000; an account balance of HKD 100,000 • All users have a single limit of HKD 2,000 if the transfer is from WhatsApp / SMS. • Annual transfer limit is equivalent to the limits of in-store payments, online payments, and cash withdrawal.
Tap "Collect" at homepage－ Tap "Collection History"
There is no handling fee for receiving money.
Failure to receive money may be due to the limit set for your account verification level being exceeded: • Unverified account users have a single transaction limit of HKD 2,000; a single daily limit of HKD3,000; a full yearly limit of HKD 25,000; an account balance of HKD 3,000 • Intermediate verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 10,000; a full yearly limit of HKD 100,000; an account balance of HKD 100,000 • Advanced verified account users have a single transaction limit of HKD 5,000; a single daily limit of HKD 20,000; a full yearly limit of HKD 200,000; an account balance of HKD 100,000 • The annual collection limit as listed above also applies to top up, credit card transfer and etc.
Ways to collect payments: 1. Tap "Collect" at the bottom right on homepage, show the QR code on the page to the payer, the payer sets the payment amount to complete the transaction. 2. Tap "Collect" at the bottom right on homepage, tap "Set amount", enter the total amount and no. of people (the total amount will be divided evenly according to the number of people), after your confirmation, you can notify the payee via social media (such as WhatsApp) to complete the transaction.
As per Hong Kong AML and CTF regulations, we are required to inquire about the purpose of each transfer.
A refund of a remittance application could be due to: 1. An error in the information provided; 2. Lack of cash withdrawal within 10 days after selecting Cash Withdrawal as your remittance method; 3. The receiver's GCash wallet is not verified; 4. Account security. Remittances involving below reasons will be refunded in full, and no handling fee will be charged, and the refund time must be based on the method of receiving the remittance: 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

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

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)
The verification level should be of Intermediate or Advanced level for remittance in Mainland China:

• For Intermediate accounts, the maximum remittance limits are HKD 7,999 daily and HKD 100,000 annually
• For Advanced accounts, the maximum remittance limits are HKD 7,999 daily and HKD 300,000 annually
• For HKID Scanning and Live Selfie Verification accounts, the maximum remittance limits are HKD 15,000 daily and HKD 300,000 annually
• Remittance, in-store payments and online payments using account balance shall be included in and counted towards the same limit of the account balance
• The minimum remittance amount is HKD 20 per transaction


The verification level should be of Intermediate or Advanced level for remittance in the Philippines:

• For Intermediate accounts, the maximum remittance limits are HKD 5,000 daily and HKD 60,000 annually (limit inclusive of other transactions)
• For Advanced accounts, the maximum remittance limits are HKD 5,000 daily and HKD 100,000 annually (limit inclusive of other transactions)
• Remittance, in-store payments and online payments shall be included in and counted towards the same limit
• The minimum remittance amount is HKD 100 per transaction
1. According to regulatory requirements, intermediate or advanced account verification must be completed before any remittance transactions. 2. Click "More"-"Remittance" in the application centre in the middle of the homepage. (Recommendation: "Homepage Apps"-"Edit"-drag "Remittance" to the homepage application) 3. The remittance function can only be used if users use his balance as funding channel. Please ensure that the account has sufficient balance first. 4. On the remittance page, tap "New Remittance"- select the remittance destination - select the recipient's payment method - enter the amount - enter the beneficiary information - complete the transaction after confirmation.

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.
International exchange rates are provided in real time by partner institutions EMQ.
We currently support international remittance to Mainland China and the Philippines in the RMB and Peso currency. We are working hard to expand the service to more countries and regions. Please stay tuned!

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 link will expire and return to the sender 24 hours after being sent if it hasn’t been collected.
From 1 January 2022 onwards, users who are registered on or after 1 September 2021 and have not yet completed the ID scanning and live selfie verification will not be able to perform the following functions by balance：Taobao (except for Tmall HK), transfer and send Lucky Money, cross-border payments and remittance. Users can link a credit card for sending Luck Money. Once you complete the verification, you can enjoy the maximum transaction limits and all product functions. ID scanning is only applicable to HKID.
There is no transaction fee for sending Lucky Money using AlipayHK balance or bank account. For users who send Lucky Money by credit card, please take note of the following transaction fee waiver limits:

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.
In order to collect and use Lucky Money, you will need to download the AlipayHK app and register for an account.
The Lucky Money link can be sent to most of the messaging apps, including but not limited to WhatsApp, Facebook, Instagram, SMS and other social media platforms.
The Lucky Money collected will be credited into AlipayHK balance. The money can be withdrawn after completing the ID scanning and live selfie verification and linking a bank account.
Maximum amount of Single Lucky Money: HKD 888
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
After sending the Lucky Money, it cannot be cancelled. Lucky Money will return to the sender 24 hours after being sent if it hasn’t been collected.
No.
Refund may not be collected if the amount exceeds the collection limit for the account verification level.

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.
Yes. The amount in each Lucky Money can be set as random or fixed.
Senders can collect their own Lucky Money if the amount is set as random. If the amount in each Lucky Money is fixed, then senders will not be able to collect their own Lucky Money.