FAQ

Sole proprietors, partnerships and corporate customers of The Bank of East Asia, Limited UK Branch (BEAUK) can register for UK Corporate Cyberbanking.

Through UK Corporate Cyberbanking, you can:

• View account balance and transaction activities for the past 12 months
• View / download statements issued from January 2021 onwards
• View a summary of deposit contracts held
• View details of outstanding loans and loan history for the past 12 months
• Transfer funds between accounts held in the company name in same currency
• Make domestic payments with newly developed i-Token service*
• View a summary of direct debit instructions
• Order cheque books, paying-in books, certificates of deposit interest and certificates of loan interest
• Make account-related or other enquiries

*If logging in via Short Message Service (SMS) One-Time Password (OTP), payments are restricted to pre-registered payees only. To enjoy the new payment features, approver(s) must register and enrol for the use of i-Token through the BEA UK App. Click here for the functions accessible via i-Token and SMS OTP.

UK Corporate Cyberbanking has been tested on the following desktop browsers.

Windows browsers:

• Microsoft Edge
• Firefox
• Google Chrome

Mac browsers:

• Safari

Please use the latest version of browsers for best performance.

TLS 1.2 is required to use UK Corporate Cyberbanking. TLS 1.2 are automatically enabled in the following browsers*:

• Microsoft Edge – TLS 1.2 is automatically enabled in all versions of Microsoft Edge.
• Firefox - version 27 or newer
• Google Chrome - version 29 or newer
• Safari – version 7 or newer

*Please refer to the HELP manual of your browser for other versions.

You are recommended to use the latest version of browsers for best performance.

Please contact us on +44 (0)20 7208 7090 during business hours or visit one of our UK Branches .

Please complete the UK Corporate Cyberbanking Application Form (see Q10.1) and submit it together with a Certified Copy of Resolution / Board of Resolution (see Q10.1). The company must appoint an administrator with the responsibility and authority to carry out all matters relating to UK Corporate Cyberbanking on its behalf. This includes but not limited to the registration of users and the assignment of access rights to the users.

Yes, to give you greater control over your UK Corporate Cyberbanking, our system allows you to choose to set different level of online access for each of your registered users. There are 4 user access levels to choose from:

The company can choose the number of approvers (up to the limit set by the Bank from time to time) for authorising transactions such as transfers and payments before they should be processed by the Bank.

To log in, please go to our website at www.hkbea.co.uk. Do not click on any hyperlinks in any emails or via any unverifiable source to access UK Corporate Cyberbanking.

You will need your UK Corporate Cyberbanking number and your Personal Identification Number (PIN). For security reasons, you will be prompted to change your PIN upon first log in.

Please note that for control and security reasons, your access to UK Corporate Cyberbanking will be suspended if you do not change your first-time login PIN within 30 days from the date of registration. If this occurs, you will need to re-activate your access. Please speak to your company’s appointed Cyberbanking administrator.

You will have several attempts to enter the correct information. If you continue to enter information incorrectly, your access to UK Corporate Cyberbanking will be suspended and you will need to apply for a new PIN. Please speak to your company’s appointed Cyberbanking administrator.

You will need to request us to reset your PIN via your company’s appointed Cyberbanking administrator to contact us on +44 (0)20 7208 7090 during business hours.

When you want to end your session, please click the Log out button in the upper right hand corner below the UK Corporate Cyberbanking logo. Please close all browser sessions when you have finished.

A transfer is a movement of funds between two accounts held in the name of your company whereas a payment is a movement of funds from a company account to a third-party account which may be held with BEAUK or another bank in the UK.

The cut-off times for UK Corporate Cyberbanking transfer are:

Transfer instructions submitted after the cut-off time on a business day, during weekends, or on a bank holiday will be executed on the following business day.

Other instructions (e.g. ordering of cheque books) can also be made throughout the day and will be handled within business hours.

A user with input rights ("inputter") needs to enter the transfer details in the "Input" tab of "Transfer Money" in the Accounts and Payments menu. The inputter will be asked to verify and confirm the transaction details before it is submitted for authorisation. A unique transaction identification number that is valid throughout the life cycle of the transfer will be assigned to the transfer submitted.

One or more users with authorisation rights ("approver") need(s) to authorise the transfer submitted by the Inputter in the "Unauthorised Transfers" tab of "Transfer Money" in the Accounts and Payments menu. The transfer would only be executed by the Bank after it has been approved by the required number of approvers.

There is no maximum limit to the amount you can transfer between your own accounts, but please ensure that there are sufficient funds in your account to make any transfer. We may refuse to make the transfer if there are insufficient funds in your account. The minimum amount per transaction is £1.

Domestic payments are free of charge.

The cut-off times applicable to instructions placed via UK Corporate Cyberbanking are as follows:

Instructions received after the cut-off time on a business day or any time on a non-business day will normally be processed on the next business day (subject to standard checks).

Other instructions (e.g. ordering of cheque books) can also be made throughout the day and will be handled within business hours.

To add a new payee, you will require to use i-Token. Click here or go to 12.4 below for further information on how to activate i-Token.

If you want to amend the account number and sort code for a payee, you will need to delete the existing payee details and set up a new payee again. It is currently not possible to amend the account number or sort code for an existing payee online.

To delete the payee online:

1. Log in to UK Corporate Cyberbanking
2. Tap “Manage Money” then tab on “List of Payees”
3. Select the appropriate payee from the list
4. Click on the “Delete Payee Template” button and follow the instructions on the screen.

A payee template name is a unique identifier given to each of your pre-registered payees in UK Corporate Cyberbanking. This template name is automatically generated but you may change it to something more memorable. Note that this field simply helps you distinguish between your pre-registered payees and will not be sent with your payment instruction.

You can amend the payee template name on the "List of Payees" page under the Accounts and Payments menu.

Yes, you can settle the bill of a UK merchant using the “Domestic Payment” function. Payment are processed based on the sort code and account number you entered. Please ensure all the account details are correct when you process the payment.

A user with input right (inputter) needs to input the payment details in the "Input" tab of "Domestic Payment" in the Accounts and Payments menu. The inputter will be asked to verify and confirm the transaction details before it is submitted for authorisation. A unique transaction identification number that is valid throughout the life cycle of the payment will be assigned to the payment submitted.

One or more users with authorisation rights ("approver") need(s) to authorise the payment submitted by the Inputter in the "Unauthorised Payment" tab of "Domestic Payment" in the Accounts and Payments menu. The payment would only be executed by the Bank after it has been approved by the required number of approvers.

There are some valid reasons why you cannot find or authorise the transfer / payment:

1. Unauthorised instruction – Transactions not fully authorised by 5:30 pm on the business day after the input date will be removed from the "Unauthorised Transfer" / "Unauthorised Payment" tab and marked as "Expired" in the "Transfer History" / "Payment History" tab.
2. Instruction already approved or rejected – Please review the status of the transaction in the "Transfer History" / "Payment History" tab of "Transfer Money" / "Domestic Payment".
3. Instruction cannot be self-authorised - the transaction was inputted by yourself.

The daily limit for online payments is £100,000. To change your limit, the Administrator needs to complete the UK Corporate Cyberbanking Amendment Form (see Q10.1) and return it to one of our UK Branches. There is a minimum limit of £10 and a maximum limit of £99,999 per transaction.

Payments fully authorised before 4:30 pm on a business day are usually received on the same day. Payments fully authorised after 4:30 pm or on a non-business day are usually received on the next business day.

Please note that all online payments are subject to our usual fraud and anti-money laundering checks.

After the transfer / payment has been fully authorised, you should receive the message "Transaction completed" or "Transaction received" onscreen.

The status of the transfer / payment can be found in the "Transfer History" tab of "Transfer Money" or the "Payment History" tab of "Domestic Payment" respectively. The status should be "Received" or "Completed".

The meaning of the different statuses are explained below:

In the event that there are insufficient funds in the withdrawal account to complete a scheduled instruction, we may choose, at our sole discretion, not to execute such instruction and may charge the account for the unsuccessful instruction.

A user with input only access rights will not be able to amend an instruction submitted for authorisation. An approver can go to the "Unauthorised Transfer" tab of "Transfer Money" or "Unauthorised Payment" tab of "Domestic Payment" to reject a transaction.

A transaction successfully rejected will have a status of "Rejected" when viewed in the "Transfer History" tab of Transfer Money or "Payment History" tab of Domestic Payment.

If you have requested an immediate transfer or payment, you will not be able to amend or cancel it online. Please contact us on +44 (0)20 7208 7090 during business hours, Monday to Friday, 9:00 am – 5:00 pm for assistance.

If the instruction is for a future date, any approver can cancel the instruction in the "Pending Transfer" tab of "Transfer Money" or "Pending Payment" tab of "Domestic Payment", provided that you make the cancellation by the cut-off time (see Q4.2 and Q4.6) on the business day before the scheduled transfer / payment date.

A transaction successfully cancelled will have a status of "Cancelled" when viewed in the "Transfer History" tab of Transfer Money or the "Payment History" tab of Domestic Payment.

You can check your account activity via UK Corporate Cyberbanking on the scheduled date. If the transaction is unsuccessful, we will send a webmail (see Q7.3) message to all users.

If your company has provided us with an email address, you will receive an email notification when we send you webmail messages.

You can also check the status of the transfer / payment in the "Transfer History" tab of "Transfer Money" or the "Payment History" tab of "Domestic Payment" respectively. A transaction successfully executed will have a status of "Completed" while a transaction that cannot be successfully executed will have a status of "Failed".

The approver (who has the right in your corporation to approve the transaction inputted on Cyberbanking) must authorise the transaction by 5:30 pm on the business day after it was inputted. Transactions not fully authorised by this time will be removed from the "Unauthorised Transfer" / "Unauthorised Payment" Tab and marked as "Expired" in the "Transfer History" / "Payment History" tab.

Transfers and payments will remain in the Transfer / Payment History Tab for 3 months after it has expired, cancelled, rejected or completed / failed (see Q4.15 for explanation of transfer / payment status).

You can download, save and print a PDF version of your statements in UK Corporate Cyberbanking.

Statements for your account can be found:

Via UK Corporate Cyberbanking:

1. Log in to UK Corporate Cyberbanking
2. Go to “View Statement”
3. Choose the account and date range you want to download or view.

You will need to have Adobe Reader version 6 or above. If you do not have it, you can download a free copy. Please make sure that you are using the most up-to-date version of web browser.

You can view your statements issued from January 2021 onwards in PDF format via UK Corporate Cyberbanking.

You can request for a printed copy of a statement that is not available in your UK Corporate Cyberbanking from one of our UK Branches or by contacting us on +44 (0)20 7734 3434 during business hours.

If your account is set up for paperless statement, we will notify you by email whenever your statements is ready online.

Please make sure we have your latest email address. You can update your email with us by contacting us on +44 (0)20 7734 3434 during business hours or by visiting one of one of our UK Branches.

We highly recommend that you switch to paperless by turning off paper statements. You can opt out of receiving paper statements by contacting us on +44 (0)20 7734 3434 during business hours or by visiting one of our UK Branches.

Please go to the Other Services menu and select "Request cheque book" or "Request paying-in book", as appropriate.

A user with input right (inputter) needs to input the request in the "Input" tab of "Request cheque book" or "Request paying-in book". The inputter will be asked to verify and confirm the request details before it is submitted for authorisation. A unique transaction identification number that is valid throughout the life cycle of the request will be assigned to the request submitted.

One or more users with authorisation rights (approver) needs to authorise the request submitted by the Inputter in the "Unauthorised Request" tab of "Request cheque book" or "Request paying-in book" in the Other Services menu. The request would only be executed by the Bank after it has been fully authorised by the required number of approvers by 5:30 pm on the business day after the input date.

New cheque books / paying-in books are generally sent to the company address on record by ordinary mail in 5 business days.

You can order your certificate of deposit interest or loan interest for the previous 2 tax years by selecting "Request certificate of deposit interest" or "Request certificate of loan interest" in the Other Services menu. If you would like to order a certificate for a tax year not listed, please contact us on +44 (0)20 7208 7090 during business hours, Monday to Friday, 9:00 am - 5:00 pm, or visit one of our UK Branches.

Please note that the request would only be executed by Bank after it has been fully authorised by the required number of approvers by 5:30 pm on the business day after the input date.

They are generally sent to the company address on record by ordinary mail in 5 business days.

Yes, the charge will be displayed on the authorisation pages.

You can access webmail via the Message function under the My Details menu.

Yes, you may send us your questions through UK Corporate Cyberbanking's Message function. However, please do not send us instructions of a transactional nature or requests that are urgent and require immediate action via this function.

Yes, we will send you a webmail message in the event that the execution of a scheduled instruction set up via UK Corporate Cyberbanking is unsuccessful. We will also send webmail messages to you containing important information and updates.

We will send you an email notification whenever we send you webmail messages. You will also see a "New" message icon in front of the Logout button in the upper right hand corner below the UK Corporate Cyberbanking logo.

Your inbox can hold a maximum of 30 messages. Messages will remain in your UK Corporate Cyberbanking inbox as long as your inbox is not full. The oldest messages will be automatically deleted when the maximum capacity is exceeded.

You cannot change the email address online. Please submit a request to us via your company’s Cyberbanking administrator.

For security reasons, you are required to change your PIN when you log in to UK Corporate Cyberbanking for the first time. We also recommend that you change your PIN periodically.

You can change your PIN any time by using the Change PIN function in the My Details menu.

For security reasons, you should change your PIN immediately. After that, you are advised to check all of your account balances. If you find any discrepancies in your accounts, please ask your company Administrator to contact us on +44 (0)20 7208 7090 during business hours, Monday to Friday, 9:00 am - 5:00 pm, or visit one of our UK Branches as soon as possible.

In such an event, please contact us as soon as possible and provide us with the details of the unauthorised transactions. We will suspend online access to your bank accounts immediately and conduct a thorough investigation.

The security of your accounts and the reliability of our UK Corporate Cyberbanking service are our highest priorities. We at BEAUK always employ the latest security technology to ensure that your account data is protected at all times.

PIN

When you log in to UK Corporate Cyberbanking for the first time, you will be asked to change your PIN immediately. From that point onwards, you must enter your correct UK Corporate Cyberbanking number and self-selected PIN every time you want to access UK Corporate Cyberbanking. For your safety, you will also be prompted to change your PIN from time to time.

One-Time Password (OTP) / i-Token

As part of our enhanced authentication measures, you are required to use One-Time Password (OTP) / i-Token for logging in to UK Corporate Cyberbanking or when making certain transactions online.

Moving number keypad

An alphanumeric PIN, which consists of a combination of numbers and letters, and a moving number keypad further ensures your ongoing security.

Automatic exit

For protection against unauthorised access, your computer's connection to UK Corporate Cyberbanking will be automatically terminated if the session has been idle for 5 minutes.

Transport Layer Security (TLS) with at least 128-bit encryption

"TLS" is an international and well-proven standard employed to ensure confidentiality of information. All sensitive information sent between your Internet browser and our computer system is encrypted using at least 128-bit TLS encryption.

Automatic disablement

For your safety, your UK Corporate Cyberbanking access will be disabled after a number of unsuccessful login attempts. Users will need to apply for a new PIN to re-activate access.

UK Corporate Cyberbanking's no-cache feature

All pages you view during your UK Corporate Cyberbanking session are neither cached nor stored on your computer to ensure the confidentiality of your financial information.

Last login date and time

Your last login date and time are displayed after you have successfully logged in to UK Corporate Cyberbanking for your verification.

Post transaction notification

SMS and email notifications will be sent to your registered mobile / email address after high risk transactions, e.g. contact details amendment / payment to a new payee.

Please refer to our Security Tips.

The "auto-complete" feature of some browsers saves information that you previously entered into fields (e.g. web addresses, forms, passwords, etc.) When you type similar information into one of these fields, a dropdown list with possible matches will automatically appear for selection.

To protect yourself and prevent unauthorised use of your account, you are advised to disable this feature on your browser.

UK Cyberbanking application and amendment forms can be downloaded here. Completed forms must be submitted via the Administrator.

• UK Corporate Cyberbanking Application Form
• UK Corporate Cyberbanking Amendment Form
• Certified Copy of Resolutions / Board of Resolutions

An OTP is a unique system-generated code, which is sent only to your registered mobile number as a form of SMS text format, when you log in to your UK Corporate Cyberbanking / Mobile Banking.

The code is non-repetitive and only valid for a short period of time.

In order to better protect you against fraud, we are continuously improving our UK Corporate Cyberbanking / Mobile Banking security. OTP is introduced as an extra layer of security, in addition to your Cyberbanking ID and Password.

At login stage, your phone will receive a text message containing an OTP each time you log in to your UK Corporate Cyberbanking or Mobile Banking. In order that you are able to receive the text message it is very important that we have your correct mobile phone details.

We will not charge you for the service. However, your mobile service provider may not allow you to receive the OTP via SMS if you are abroad or using an overseas mobile service network. In addition, service charges may be levied by them. For details of any charges, please refer to your mobile service provider.

You can register / update your mobile number to receive OTP with us in-branch or in writing. For further details, please contact us on +44 (0)20 7208 7090 during business hours.

You may register an overseas mobile phone number for using the OTP. However, not all the mobile phone numbers can receive international SMS message. Prior to the service registration, please check with your mobile service provider for service details.

OTP can only be used in conjunction with a registered mobile phone with network coverage.

You can receive OTP overseas if your handset and SIM card allow global roaming and the country you are in operates a compatible network. Please check with your mobile service provider before you travel for further information about global roaming, and whether your existing phone plan can receive international SMS.

No. OTP is introduced to enhance the security of your account online and forms part of the login process. You are advised to register / update the mobile number that you like to use for OTP immediately.

No. Our OTP is non-repetitive and only valid for a short period of time for each designated user. Each user can therefore only register one mobile phone number for receiving the OTP.

No. From 1^st July, 2018, OTP has been used and formed part of the UK Corporate Cyberbanking / Mobile Banking login authentications. You will receive an OTP through an SMS to your registered mobile phone number when you login the service.

If you ever receive an OTP message which you are not expecting, notify us immediately as it may be a sign of attempted fraud on your account. We will suspend online access to your bank account and carry out thorough investigation. If for any reason, you are unable to contact us, please log in to your UK Corporate Cyberbanking and change the PIN immediately.

i-Token is an enhanced authentication function of UK Corporate Cyberbanking which generate a unique, single use security code each time when you log in or authorise a payment via UK Corporate Cyberbanking.

Click here or go to 12.4 below for information on how to activate i-Token.

We recommend setting up i-Token, a feature built into the BEA UK App. With the compatible mobile device, you can use fingerprint or facial recognition to generate the security code for login or payment authorisation.

With the use of i-Token, you can have access to all the features in UK Corporate Cyberbanking.

No. The services you can access via i-Token and OTP are different. i-Token is an enhanced solution which allows you to access more features and take better control of your account. Please refer to the following table for how much more i-Token can do for you:

Inputter role:

Approver role:

Activating i-Token is easy. Download our BEA UK App from the App Store or Google Play, then follow the insructions on the screen of your device.

Here are the steps for i-Token activation:

• On BEA UK App, select “i-Token” from the menu
• Select the type of account you would like to register i-Token for
• Log in with your UK Corporate Cyberbanking credentials i.e. Cyberbanking Number and PIN
• Enter the One-Time Password (OTP) which is sent to your registered mobile number
• You will be asked to input random digits of your identity document you provided to BEAUK

After successfully completing the above steps, you may start using i-Token and create your i- Token PIN or set up biometric authentication for login or payment authorisation (e.g. fingerprint or facial recognition as supported by your device).

Click here for information on how to activate i-Token.

Yes. When you activate i-Token and enable biometric authentication, any biometric credential stored on your mobile device can be used to generate security code for login or payment authorisation. For security reasons, please do not let any other person register their biometric credentials on your device, and please do not share your device with others.

No. For security reasons, i-Token cannot be activated on a jailbroken or rooted mobile device.

You may still log into your UK Corporate Cyberbanking without using i-Token but you may not access all the features otherwise available. For example, you must use i-Token to set up new payees.

No. For security reasons, i-Token can only be activated on one mobile device for one UK Corporate Cyberbanking account at a time.

You can register i-Tokens for your multiple UK Corporate Cyberbanking accounts on one single mobile device.

No. The i-Token is unique and linked to your UK Corporate Cyberbanking only.

If you change your device, or wish to enrol i-Token on a different device, you will need to follow the installation and activation procedures to enrol i-Token again on the new device. The existing i-Token will automatically deactivate after a new i-Token is successfully activated on a new device.

No. Unfortunately i-Token is not available on tablet at this time.

Change i-Token PIN:

1. From your BEA UK App, select “i-Token” from the menu and then select “Settings”
2. Tab on “Change PIN”
3. Enter your i-Token PIN then follow the instruction to create a new one

Forgot i-Token PIN:

1. From your BEA UK App, select “i-Token” from the menu and then select “Settings”
2. Tab on “Change PIN” then tab on “Forgot PIN”
3. You will be asked to follow the activation procedure to re-activate i-Token again.

You do not need internet connection or phone signal to generate the security code itself, but you will need a 3G, 4G, 5G or Wi-Fi signal to access the Mobile Banking or use the BEA UK App. You will also need signals to download and set up the i-Token. Please note that internet usage on a 3G, 4G or 5G connections will be subject to the charges and usage allowances as agreed between you and your mobile service provider.

Please contact any BEA UK Branch or call our UK Corporate Cyberbanking hotline on +44 (0)20 7208 7090 during business hours to deactivate the i-Token installed on your device.