Faster Payment System (FPS)

With FPS, you can now transfer or receive funds in HKD and CNY free-of-charge¹ between other local banks, simply using a mobile number, email address or FPS IDs.

Our new Citi Scan and Pay service also enables you to pay friends, merchant or settle bill easily.

Register for FPS and start receiving money

To receive funds with your mobile number, just follow the steps below to register and link your mobile number to your Citi account.

You could also register with your email address or HKID number², enabling you to receive money from institutions, corporates and the HKSAR government via HKID number in the future. View demo here.

Logon to Citi Mobile^® App, tap "Payments" , and tap "Manage Payments & Payees"
Tap "Register for FPS"
Tap "Mobile"
Select the account you want to link to and funds will be deposited to this account
Tap "Register Now"
Enter the One-time Password from the SMS sent to your registered mobile number
Done. You can now receive funds with your mobile number!

Logon to Citibank Online, and click "Payments"
Click "Register for FPS"
Click "Mobile Number"

You can also register with your email address or HKID number, click here to learn more.
Select the account you want to link to and funds will be deposited to this account
Register Citi as the Default Receiving Bank
Click "Register"
Enter the One-time Password from the SMS sent to your registered mobile number
Done. You can now receive funds with your mobile number!

Transferring funds via FPS is easy and simple!

Want to transfer money to your friends? Just use their mobile numbers, email addresses or FPS IDs. You don't need their account numbers anymore!

You can transfer up to HK$ 10,000 (or equivalent) one a single day without adding the recipient as a registered payee in advance. To transfer more than that amount, simply add the recipient as a registered payee directly via the app. Click here to learn how to add a new payee.

Transfer to non-registered payees
Up to HK$10,000 every day
(or any lower limit you set)

Transfer to registered payees
Up to HK$1,000,000 every day
(or any lower limit you set)

Tap Payments > "FPS" after logging in
Input mobile number/ email address/ FPS identifier
(You don't need to input if you transfer to a registered payee)
Select an account to be paid from. Select currency^# (either HKD/ CNY) and input amount
Verify the details and tap "Pay"

#Please Note
If the transfer-out currency is different from the currency of the receiving account, the receiving bank may convert it to the receiving account's currency at the prevailing exchange rate without prior notice. You may confirm the transfer currency with your payee before hand.
Input Citi Mobile^® Token Unlock Code for authentication
The transfer is completed!

Citi Scan and Pay

Want to pay a merchant, daily bills or friends more flexibly?

You can now "Scan and Pay" with Citi Mobile^® App

Scan and pay to friends, merchants and pay bills

First-time users:

Tap "Payments" and "QR Scan" then select "Citi Scan and Pay" after logon
Tap "Turn On"
Input Citi Mobile^® Token for authentication
Successfully turned on the function!
Scan QR code and Pay

Continue and tap "Scan Now"; or you can directly tap "Citi Scan and Pay" at Welcome page before logon
Scan a QR code or scan from album to pay
Select the account for the payment and input the amount
Your Scan and Pay is now done!

Hassle-free shopping in Thailand with FPS x PromptPay QR Payment

Look out for the PromptPay acceptance mark and make seamless purchases via QR payment! Your spending in Thailand will be debited directly from your Citibank HKD account³ with $0 handling fee to ease your hassle dealing with cash!

Look out for the PromptPay acceptance mark, together with the participating Thailand banks, and make seamless purchases via Citi Scan and Pay!

Scan and spend like a local

PromptPay is a widely accepted payment option at most of the places in Thailand, from chained stores, retail groups, night markets and street hawkers⁴. Just look out for the PromptPay acceptance mark, together with the participating Thailand banks, including Bangkok Bank, Kasikorn Bank, Krungthai Bank, Siam Commercial Bank, Bank of Ayudhya.

Easy and Convenient

Instead of carrying a big stack of cash around, simply use Citi Scan and Pay to scan QR codes and pay merchants. The daily limit of transaction is HKD10,000⁵.

$0 handling fee

Every purchase you make in Thailand will be directly debiting your HKD account and convert to THB with $0 handling fee!

Scan and Pay in just a few steps

Launch Citi Mobile^® App and tap "QR Scan" on the home screen before signing in
Select "Citi Scan and Pay"
You may also go to Payments > QR Scan > Citi Scan and Pay after signing in.
Scan the PromptPay QR code presented by a merchant in Thailand
After logging in, review and confirm the payment details, such as merchant's information, exchange rate and payment amount
Done! Your payment is submitted and the merchant will normally receive the money

Faster Payment System (FPS) Useful Tips

To transfer money to your payee with a mobile number/ email address/ FPS ID, you do not need to register for FPS. However, your payee must register that mobile number/ email address/ FPS ID for FPS first to link an account to receive funds.
When you transfer money via the FPS function via Citi Mobile^® App, simply enter your Citi Mobile^® Token unlock code to authenticate your transaction. Better protection for you!
Fund transfers are subject to a daily transfer limit. Visit Citibank.hk/transferlimit to find out more.
If you do not wish to make a transfer to any non-registered payee, just complete and submit the form to lower the daily limit of transfers to non-registered payees to HK$ 0 for all non-registered accounts.
If you wish to receive funds from other local banks:
Simply link your mobile number/ email address/ FPS identifier to your Citi account via FPS Addressing Service.
Registering your HKID number as Proxy ID will facilitate you to receive payment and transfer from institutions, corporates and the HKSAR government.

Common questions around FPS

Do I need to register with the FPS addressing service in order to receive or transfer funds with a mobile number/ email address/ FPS identifier?
- Receive funds: You must register with the FPS addressing service and link your mobile number/ email address/ FPS identifier to a Citibank account before you can receive funds. Registering your HKID number as Proxy ID will facilitate you to receive payment and transfer from institutions, corporates and the HKSAR government.
- Transfer funds to others: You do not need to register. However, your payee must register their mobile number/ email address/ FPS identifier with the FPS addressing service first.
Can I register with the FPS addressing service using a mobile number of another country?

Yes, as long as this mobile number is the same mobile number that you registered with Citibank and supports a receipt of an SMS to complete the authentication process during registration.
Can I register with the FPS addressing service and link the same mobile number or email address to accounts in more than one bank for receiving funds?

Each mobile number and email address can only be linked and default to one account to receive funds. You can change your FPS default receiving account by registering FPS service with another bank.
When will the payee receive funds?

Funds are almost instantly^ credited to the payee's account. However, this is also subject to the operating mode of the receiving bank.
Can I transfer funds in an overseas account through FPS?

No, currently FPS only supports fund transfers between local banks and Stored Value Facilities (SVF) operators in Hong Kong. If you need to transfer funds abroad, please use our Telegraphic Transfer or Citibank Global Transfer services.
Can I transfer foreign currencies to other local banks by FPS?

Currently, FPS only supports HKD and CNY transfers.

What is the maximum daily transfer limit for FPS transfers?

FPS is a financial infrastructure which connects banks and stored-value facilities (SVFs) in Hong Kong, enabling customers to transfer funds to different banks/ SVFs on a round-the-clock basis. Therefore, transfer amount of FPS transfers will also be aggregated and are subject to the current daily transfer limits for fund transfers to registered accounts or non-registered accounts made through Citibank Online, Citibank Mobile, Citi JETCO Pay and Citibank ATM.

If customers have never adjusted their daily transfer limits, the maximum daily transfer limit will be the same as the default amount listed below:

Transfer To	Transfer Channel	Default daily transfer limit (HKD)
Non-registered accounts	Citibank Online Citibank Mobile Citi JETCO Pay	10,000
Registered Accounts - Local Inter-bank Funds Transfer or transfer to third party's Citibank Accounts	Citibank Online Citibank Mobile Citibank ATM	1,000,000

Can I transfer funds to a payee whose mobile number is not a local mobile number?

Yes, but the payee must register that mobile number with the FPS service first and you need to input "Country Code" in addition to the payee's mobile number.
How can I authenticate my FPS transfer?

When you use FPS transfer via the Citi Mobile^® App, simply input your Citi Mobile^® Token Unlock Code to authenticate your transaction. You can also use One-Time Password Authentication via Citibank Online.
Why are the funds of my FPS transfer converted to another currency?

When you make an FPS transfer to another bank, if the transfer-out currency is different from the receiving account's currency, the funds may be converted to the recipient account currency by the receiving bank at its prevailing exchange rate as determined by that bank without further notice.
On the other hand, when you receive an FPS transfer from another bank, if the transfer-in currency is different from the currency of your receiving account at Citi, the funds will be converted to the receiving account's currency at the prevailing exchange rate as determined by Citi without further notice.
To avoid unnecessary currency exchange, you are recommended to check and confirm that the transfer currency is identical to the receiving account's currency.

FPS Registration

Transfer funds to other banks through FPS

What are the operating hours of FPS?

FPS is a 24/7 service. You can receive funds or make a local interbank funds transfer via Citi Mobile^® App and Citibank Online anytime.
When will the payee receive funds?

Funds are almost instantly^ credited to the payee's account. However, this is also subject to the operating mode of the receiving bank.
Can I transfer funds in an overseas account through FPS?

No, currently FPS only supports fund transfers between local banks and Stored Value Facilities (SVF) operators in Hong Kong. If you need to transfer funds abroad, please use our Telegraphic Transfer or Citibank Global Transfer services.
Can I transfer foreign currencies to other local banks by FPS?

Currently, FPS only supports HKD and CNY transfers.

What is the maximum daily transfer limit for FPS transfers?

If customers have never adjusted their daily transfer limits, the maximum daily transfer limit will be the same as the default amount listed below:

Transfer To	Transfer Channel	Default daily transfer limit (HKD)
Non-registered accounts	Citibank Online Citibank Mobile Citi JETCO Pay	10,000
Registered Accounts - Local Inter-bank Funds Transfer or transfer to third party's Citibank Accounts	Citibank Online Citibank Mobile Citibank ATM	1,000,000

Can I transfer funds to a non-registered account through FPS?

Yes. As long as you have the payee's mobile number/email address/FPS identifier ("Proxy ID") and the payee has already registered the "Proxy ID" with the FPS service, you can make a transfer to them via Citi Mobile^® App without adding them as a payee in advance. Please refer to Q5 for the maximum daily transfer limit.
Can I transfer funds to a payee whose mobile number is not a local mobile number?

Yes, but the payee must register that mobile number with the FPS service first and you need to input "Country Code" in addition to the payee's mobile number.
If I transfer funds with a mobile number/ email address/ FPS identifier ("Proxy ID"), how can I ensure that the funds are transferred to the correct person?

After you have entered the Proxy ID, the masked name associated with the Proxy ID will be displayed. You should verify if the masked name belongs to your intended recipient before confirming the instruction. If you are in any doubt, you should not confirm the instruction.
How do I know if the recipient has registered his/her mobile number or email address with the FPS service so that I can transfer funds to them with his/her mobile number or email address?

If you transfer funds to a recipient whose mobile number or email address has not been registered, the transfer instruction will be rejected.
What should I do if I transfer funds to the wrong payee?

Remember to double-check the transfer details before you submit the instruction. In case you transfer to a wrong payee, don't panic! Contact us for help.
Can I cancel the transfer instruction after I click "Confirm"?

No. The transfer instruction is processed immediately.
How can I authenticate my FPS transfer?

When you use FPS transfer via the Citi Mobile^® App, simply input your Citi Mobile^® Token Unlock Code to authenticate your transaction. You can also use One-Time Password Authentication via Citibank Online.
Why are the funds of my FPS transfer converted to another currency?

When you make an FPS transfer to another bank, if the transfer-out currency is different from the receiving account's currency, the funds may be converted to the recipient account currency by the receiving bank at its prevailing exchange rate as determined by that bank without further notice.
On the other hand, when you receive an FPS transfer from another bank, if the transfer-in currency is different from the currency of your receiving account at Citi, the funds will be converted to the receiving account's currency at the prevailing exchange rate as determined by Citi without further notice.
To avoid unnecessary currency exchange, you are recommended to check and confirm that the transfer currency is identical to the receiving account's currency.
Can I transfer money to a payee via FPS by their HKID?

Registering your HKID number as Proxy ID will facilitate you to receive payment and transfer from institutions, corporates and the HKSAR government. It is not available for personal transfer. You may transfer funds to a payee via FPS by their registered mobile number/ email address/ FPS identifier.

Citi Scan and Pay

What is Citi Scan and Pay?

Where can I use Citi Scan and Pay?

Why do I need to enable Citi Mobile^® Token for Citi Scan and Pay?

How to start using Citi Scan and Pay?

Why is there error after I scan the QR code?

How many currency can I send via Citi Scan and Pay?

What is the limit of the Citi Scan and Pay?

FPS Scam Prevention

Frequently Asked Questions for FPS x PromptPay QR Payment

1. Which merchants in Thailand support FPS x PromptPay QR Payment?

2. Can I pay from a non-HKD deposit account or pay from a credit card account?

3. Does Citi charge any handling fee on PromptPay transactions?

4. How much can I pay on a single day?

5. If the product or service provided by a merchant is not what I expect it to be, what should I do?

6. Can I raise a dispute over a PromptPay transaction?

7. How can I raise a dispute request?

8. How long does it take for the investigation of dispute request to be completed?

Click here for the Currency Manager guide

Click here for the Important Information about FPS x PromptPay QR Payment

Click here for the Important Information about Payments and Transfers

Remarks:

Citibank will not levy any handling fee. An Interbank fund transfer service fee may be applied by your receiving bank to the transferred amount. Please contact the receiving bank for enquiry.
Registering your HKID number as Proxy ID will facilitate you to receive payment and transfer from institutions, corporates and the HKSAR government. For details, please refer to the government's official website.
You can only select a HKD deposit account as the debit account for FPS x PromptPay QR Payment. THB accounts are not supported.
If the product or service provided by a merchant is not what you expect it to be, including but not limited to spoilt goods, returned goods and unsatisfactory services, please contact and handle it directly with the merchant. If you wish to raise a dispute over a transaction for incorrect payment amount, double payment or unauthorized payment, please contact us within 28 calendar days (the cutoff time is 12:00 pm on a bank business day, excluding Saturdays, Sundays and public holidays) from the transaction date (transaction date inclusive) for investigation.
Your existing daily limit for transfers to non-registered payees will be applied to FPS x PromptPay QR Payment. The default and maximum daily limit is HK$ 10,000 or equivalent.

Please note that FPS QR code will be displayed with FPS logo to indicate the support of FPS service generally.
If you are not sure whether the QR code is valid and supports FPS service, please check with the payee/merchant. Remember not to scan anonymous QR code.