Keep your ATM card safe. Set a password that is difficult to guess and different from the ones for other services. Change your password regularly. Do not keep your ATM card and password together.
Beware of anything unusual about the card insertion slot, keypad and keypad cover (e.g. whether any suspicious device is installed). Cover the keypad with your hand when entering your password and check whether anyone is trying to peek at your password.
Count the banknotes immediately after each cash withdrawal. Do not take away any banknotes at the cash dispenser or ATM card at the card insertion slot left behind by someone else. Let the banknotes or ATM card return to the ATM automatically.
If you intend to withdraw cash from overseas ATMs, check with your bank whether your intended overseas destination can support cash withdrawals using your ATM card. You should also activate the overseas ATM cash withdrawal function in advance and set a prudent overseas ATM cash withdrawal limit and an activation period.
Check the transaction records provided by your bank in a timely manner. Inform your bank immediately if you lose your ATM card, or in case of any suspicious transactions or situations, regardless of the amount. Banks will not ask for any sensitive personal information (including passwords) through phone calls or emails.
Verify carefully the transferee’s account number and transfer amount before confirming a fund transfer instruction. In case of any transfer to a wrong account by mistake, contact the bank for assistance as soon as possible. However, the bank can only transfer back the fund upon getting the transferee’s consent. If the transferee is not cooperative or refuses to return the fund, the transferor should consider reporting to the police. Besides, anyone who discovers a deposit to his bank account from an unknown source should report the matter to his bank immediately, otherwise, he can be criminally liable.
The Hong Kong banking industry adopts chip-based technology to further strengthen the security of ATM services. The chip of a chip-based ATM card is equipped with a micro-processor which protects sensitive data stored within the chip and therefore is more effective in preventing card data from being copied to produce counterfeit cards.
As many ATMs outside Hong Kong are still using magnetic stripe technology, all ATM cards continue to feature a magnetic stripe to allow cardholders' use outside Hong Kong. But enhanced security measures are implemented by banks to offer additional protection against unauthorised ATM transactions outside Hong Kong.
Recipients/Appointees of the Portable Comprehensive Social Security Assistance (PCSSA) Scheme, Guangdong (GD) Scheme and Fujian (FJ) Scheme implemented by the Social Weflare Department who are currently staying on the Mainland but having difficulties in returning to Hong Kong to collect their social security payments owing to the COVID-19 may withdraw such payments on the Mainland through the following channels.
Generally speaking, ATM cards issued by banks in Hong Kong support cash withdrawal on the Mainland, subject to activation of the cash withdrawal capability of the card concerned beforehand. To facilitate the withdrawal of monthly assistance or allowance by needy recipients/appointees of the above schemes on the Mainland, retail banks in Hong Kong have put in place an arrangement that allows them to activate the function of cash withdrawal of their ATM cards issued by banks in Hong Kong (including debit cards and those credit cards with cash withdrawal function) on the Mainland through different bank channels (including bank hotlines), without the need to return to Hong Kong. An expiry date of the activation period as well as a cash withdrawal limit can be set when activating such function. It should be noted that cash withdrawal transactions using ATM cards outside Hong Kong may entail fees and charges. For details, please refer to relevant information provided on the homepage of the Social Welfare Department and the Hong Kong Association of Banks, or contact your card-issuing bank direct.