Mobile Account Opening enables new bank clients to open an Integrated Deposits Account (IDA) via SC Mobile App in a few minutes. The process is simple and fast, and you can apply anytime, anywhere! Once the account is open, you can enjoy our digital services via our SC Mobile App right away!
For details and terms, please click here.
To be eligible to apply for Integrated Deposits Account (IDA) via SC Mobile app, you should be:
After internal review, we may invite you to visit branch to open an Integrated Deposits Account if we require additional information / documentation from you. To save your waiting time, you may make an appointment on our website to open the account at a preferred branch.
Yes, as long as you do not or did not hold any deposit account with us and meet the other requirements listed above. You may log onto the app and
If you have not yet registered SC Mobile App, please register for it first.
Download the latest SC Mobile app from your respective app stores. At SC Mobile home screen, simply click on “Open an account” button at the bottom.
Your mobile device should be supported with iOS version 14 or above (iPhone 6S or later model) or with Android version 9.0 or above or Harmony 2; and equipped with front and back camera, and gravity sensor for identity verification purpose.
The application is free of charge. For other service charges, please click here.
This will help us validate your HKID card, so that you do not need to visit our branch in person for identity verification.
The lighting may affect system’s ability to verify your HKID, please make sure there is no reflection or shadow, and the HKID captured is clear and not out of focus.
This will help us to validate you are the identity card holder and whether you have applied in person, so that you do not need to visit our branch in person for identity verification.
Factors, including the environment where you take the photos of your HKID and selfie, e.g. with glare, scratches in your HKID, damaged HKID, etc, may affect the accuracy of identifying your selfie photo against the photo in your HKID.
No, you do not need to upload any document during the application process via SC Mobile app. We will invite you to visit branch to open an Integrated Deposits Account if we need any additional information or documentation from you. To save your waiting time, you may make an appointment on our website to open the account at a preferred branch.
All information, including your HKID photos, selfie photos, personal information, username and password, will be encrypted throughout the transmission.
Your profile will enable you to enjoy our Online / Mobile Banking service right after your account is successfully opened. While the SC Mobile Key will provide an additional layer of security when you perform high risk transaction signing (e.g. add payee, update personal information, limit maintenance etc.) or when your mobile device is in offline mode. Only you who has knowledge of your SC Mobile Key PIN will only be able to perform these types of banking transactions.
Your application data will only be available for 14 days for you to resume the application. After that, please submit a new application for account opening.
After successfully submitted the application, you will receive confirmation via email, SMS and push notification (if enabled).
You may resume your application via SC Mobile App with your Online Banking Username and Password created previously. If you forgot the Username or Password, you have to start a new application.
No further action is required. You will be notified of your account opening status via email, SMS and push notification (if enabled) within 2 working days, excluding Saturdays, Sundays and public holidays.
We may need you to provide some supporting documents or answer some follow-up questions.
Please take along your identification document to any of our branches to complete the account opening procedure within 30 days.
To save your time queuing, you may go to our website to make an appointment for account opening at a designated branch.
No worries. If you have already activated the ATM card and set up ATM PIN, you can reset your Username and Password via SC Mobile App by following below steps.
i) Open SC Mobile App
ii) Click “Forgot?”
iii) Select one of the options below
– If you have ATM/Debit Card and ATM PIN (PIN) OR ATM/ Credit Card and Tele-electronic identification number (TIN), select ‘Option 1’.
– If you only have a credit card but without any Tele-electronic identification number (TIN), select ‘Option 2’.
iv) Accept the Terms & Conditions and follow the instructions to reset your account
All services, except written instructions or other service request that requires your handwritten signature (including cheque book(s) request, investment account opening), will be available to IDA account opened via SC Mobile app. To enjoy full banking services, please bring along your identity document and a valid ATM card to visit any of our branches and provide us a specimen of your handwritten signature.
Please note that cash withdrawals and fund transfers will be activated after account validation within 2 working days after the account opening date.
You can login to Online Banking to update your personal information. If you wish to update other information, please visit any of our branches for help.
It can be simply done through the following,
You can start earning interest as soon as there is money in your IDA account.
Please bring along your identity document and a valid ATM card to visit any of our branches for account closure.
There is no monthly service fee for “Easy Banking”.
Yes, you can upgrade the Integrated Banking Service with below steps:
ATM Card will be dispatched upon the account is successfully opened. Normally you will receive the ATM card within 5 working days, excluding Saturdays, Sundays and public holidays.
You can activate the ATM Card and set up ATM PIN on SC Mobile App with below steps:
Please activate the ATM card and set up ATM PIN at your earliest convenience. The ATM card will be cancelled if you do not activate it within 90 days.
You can reset the ATM PIN via Online Banking with below steps: