Hong Kong UnionPay card binding to QuickPass for consumption has no handling fee, while Alipay and WeChat have handling fees exceeding the limit.
Preparation before use
How to bind overseas UnionPay cards to QuickPass for use?
Only some overseas UnionPay cards can be bound to QuickPass. Instructions are provided later in the article.
QuickPass does not allow overseas UnionPay cards and domestic UnionPay cards to be bound to the same QuickPass account. Otherwise, the following prompt will appear: “Overseas users are temporarily not supported to bind overseas cards, please change the bank card [S10133]”. Therefore, they must be separated, using one domestic QuickPass and one overseas QuickPass.
QuickPass has only one APP. Whether QuickPass is domestic or overseas depends only on whether the first card bound is a card from mainland China.
If you don’t want to maintain 2 mobile phone numbers and only want to hold one mobile phone number, you can only choose between domestic QuickPass and overseas QuickPass.
If you want to use both domestic QuickPass and overseas QuickPass at the same time, then you must have at least 2 mobile phone numbers. For ease of use, it is best to meet one of the following:
- The phone supports multiple application instances, such as XIAOMI
- Have 2 phones
Otherwise, you have to log out and log in repeatedly. However, it’s not too much trouble.
It is recommended to use: a QuickPass registered with a +86 mobile phone number to bind domestic bank cards, and another QuickPass registered with a +852 Hong Kong mobile phone number to bind overseas cards, leaving the +852 mobile phone number for all overseas banks.
Two different +86 Chinese mobile phone numbers can also be used, with one +86 mobile phone number registered for QuickPass to bind overseas cards, and this mobile phone number left for all overseas banks, but this is not recommended.
Because some cards, such as China CITIC Bank (International) cards, can only leave the +852 mobile phone number to successfully bind to QuickPass.
What if all mainland banks and Hong Kong banks have registered the same +86 mobile phone number, and only registered for mainland QuickPass?
Answer: If you don’t want to go to the bank to change the mobile phone number, use a new +86 mobile phone number to replace the already registered QuickPass bound to Chinese mainland bank cards, and then use the freed up mobile phone number to register a new QuickPass and bind overseas bank cards.
Use
You can only use a credit card to pay at merchants that have enabled credit card payment. Generally, credit cards can be used with merchants scanned by barcode scanners.
Debit currency: Single currency cards can only debit HKD, and dual currency cards can debit 2 currencies.
Even if an overseas UnionPay card is not bound to QuickPass, it can sometimes be used when calling QuickPass for payment. When calling QuickPass for payment, click on the overseas card (only some APPs have this button), enter the card number, validity period, security code, and phone verification code to make the payment.
QuickPass Apple Pay enables overseas card repayment of Chinese credit cards
Hong Kong and Macao cards that support binding to QuickPass
Hong Kong Card
| Institution Name | Supported Card Type | Phone Number Support |
|---|---|---|
| Bank of China (Hong Kong) | Credit card, Debit card | Supports +86 mobile phone number |
| HSBC | Credit card | Uncertain |
| Hang Seng Bank | Credit card | Uncertain |
| Bank of Communications (Hong Kong) | Credit card, Debit card | Uncertain |
| Bank of East Asia | Credit card, Debit card | BEA ATM card can be bound to QuickPass with +86 mobile phone number, only BEA UDC credit card is restricted to bind with +852 (Macau +853 mobile phone number is also not allowed) |
| Dah Sing Bank | Credit card | Uncertain |
| Aeon Credit Finance (Asia) | Credit card | Uncertain |
| PrimeCredit | Credit card | Uncertain |
| Chiyu Banking Corporation | Credit card | Uncertain |
| Nanyang Commercial Bank | Credit card, Debit card | Supports +86 mobile phone number |
| Shanghai Commercial Bank | Credit card | Uncertain |
| ICBC Asia | Credit card, Debit card | Supports +86 mobile phone number |
| CMB Wing Lung Bank | Credit card | Uncertain |
| China Merchants Bank (Hong Kong) | Debit card | Uncertain |
| Chong Hing Bank | Credit card | Uncertain |
| China Construction Bank (Asia) | Credit card, Debit card | Supports +86 mobile phone number |
| OCBC Bank Hong Kong | Credit card | Uncertain |
| 33 Finance | Prepaid card | Uncertain |
| China CITIC Bank (International) | Credit card | Only supports +852 mobile phone number |
| ePaylinks Global Pay | Prepaid card | Uncertain |
| Tap&Go (HKT Payment Limited) | Signature prepaid card | Uncertain |
| Octopus | Prepaid card | Uncertain |
| DBS Bank (Hong Kong) | Signature debit card | Uncertain |
| PayMe by HSBC | Signature prepaid card | Supports +86 mobile phone number |
Macau Card
| Institution Name | Supported Card Type | Phone Number Support |
|---|---|---|
| Bank of China Macau Branch | Credit card, Debit card | Uncertain |
| HSBC | Credit card | Uncertain |
| Banco Nacional Ultramarino | Credit card, Debit card | Uncertain |
| China Guangfa Bank Macau Branch | Debit card | Uncertain |
| Banco Comercial de Macau | Credit card | Uncertain |
| Banco Internacional de Macau | Credit card | Uncertain |
| Tai Fung Bank | Credit card, Debit card | Uncertain |
| ICBC Macau | Credit card, Debit card | Uncertain |
| China Construction Bank Macau Branch | Debit card | Uncertain |
| OCBC Bank Macau | Credit card | Uncertain |
| Luso International Banking Ltd | Credit card | Uncertain |
| Banco de Desenvolvimento de Macau | Debit card | Uncertain |
Recommended reading
Basic knowledge of bank accounts and bank cards in Hong Kong
QuickPass Apple Pay enables overseas card repayment of Chinese credit cards
Detailed tutorial on using Hong Kong’s Faster Payment System (FPS) to avoid pitfalls
Hong Kong bank CHATS USD and EUR transfer fees
Apply for a Hong Kong bank card to open a bank account in Hong Kong
Transfer money from mainland China to Hong Kong for free
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