Complete digital ID verification
Complete digital ID verification to upgrade Tap & Go account to Pro account tier^.
You can complete identity verification by using “iAM Smart”.
^Customer under 18 years old will be upgraded to Plus (ii) account tier.
Act now to complete
identity verification
Please refer to the following table for the functions of different Tap & Go account tiers:
| Lite | Lite + | Plus (i) (aged 11 or above) |
Plus (ii) (aged between 11 and 17) |
Pro | |
|---|---|---|---|---|---|
| Account requirements For detail, please refer to Terms and Conditions |
|||||
| Registered with mobile number | Submitted identity document via the mobile wallet before 13 Dec 2021 | Submitted identity document via the mobile wallet before 13 Dec 2021 and make a transfer from your e-banking account to your Tap & Go account on or before 31 Dec 2022 | On or after 13 Dec 2021, complete the identity verification via the mobile | Complete the identity verification via the mobile | |
| Account Balance, Top-Up, Peer-to-Peer Transfer-Out, FPS Cross-border Merchant Payment Amount | |||||
| Maximum Aggregated Account Balance Limit(a) | HKD 3,000 | HKD 3,000 | HKD 100,000 (HK$3,000 if aged between 11 and 17) |
HKD 3,000 |
HKD 200,000 Starting from 1 Dec 2025 |
| Daily Aggregated Top-Up(b) Limit(c) | HKD 25,000 | HKD 25,000 | HKD 38,000 (HK$25,000 if aged between 11 and 17) |
HKD 25,000 |
HKD 200,000 Starting from 1 Dec 2025 |
| Monthly Aggregated Top-Up(b) Limit(c)(e) | - | - | - | - |
HKD 200,000 Starting from 1 Dec 2025 |
| Annual Aggregated Top-Up(b) Limit(c)(e) | HKD 25,000 | HKD 25,000 | HKD 100,000 (HK$25,000 if aged between 11 and 17) |
HKD 25,000 |
HKD 1,200,000 Starting from 1 Dec 2025 |
| Monthly Aggregated Peer-to-Peer Transfer-Out Limit(c)(e) | Not applicable | - |
- Starting from 1 Dec 2025 |
- |
HKD 200,000 Starting from 1 Dec 2025 |
| Daily Aggregated FPS Cross-border Merchant Payment Limit(c) | Not applicable | HKD 10,000 | HKD 10,000 | HKD 10,000 | HKD 10,000 |
| FPS Cross-border Merchant Payment Minimum Transaction Amount | Not applicable | HKD 1 | HKD 1 | HKD 1 | HKD 1 |
|
Aggregated Weixin Pay Merchant Payment Limit(d) (excluding Weixin Pay Merchant linked to individual account) |
Not applicable |
Daily CNY 8,000 |
Daily CNY 8,000 |
Daily CNY 8,000 |
Daily CNY 8,000 |
|
Aggregated Weixin Pay Merchant (linked to Individual Account) Payment Limit(f) |
Not applicable | Not applicable |
CNY 500 per transaction |
CNY 500 per transaction |
CNY 500 per transaction |
*Registration with mobile number or email in FPS setting in Tap & Go wallet is required.
Notes:
- The Aggregated Account Balance Limit is the total amount of account balance of all of your Accounts.
- Top-Up includes top-up or funds received in your Account by way of cash top-up at designated merchants, Peer-to-Peer transfer and transfer through designated banks.
- Limit amount in Hong Kong Dollar or its equivalent. Monthly limit is based on calendar month. Annual limit is based on calendar year. Each Peer-to-Peer Transfer-Out Limit or Merchant Payment Limit is subject to the available balance of your Account.
- Monthly limit is based on calendar month. Annual limit is based on calendar year. Merchant Payment Limit is subject to the available balance of your Account.
- Accounts under the same identification document share the same limit and cumulative calculation regardless of termination / activation or upgrade of account status. If your account was restricted due to reaching the limit(s), any new account registered under the same identification document will also be subjected to the same restrictions.
- Annual limit is based on calendar year. Merchant Payment Limit is subject to the available balance of your Account.
Tutorial
Complete digital ID verification
Upgrade to Pro account tier^
Simulated screen content is for reference only.
By “iAM Smart”
