Fubon GO FAQ (Individual Customer)

Q1. What kind of services are provided by Fubon GO?: You may open Fubon Bank Individual Account, open Securities Account, apply for Fubon credit card and / or personal loan via Fubon GO with your mobile devices 24-hour a day without visiting our branch.

Q2. Are there any requirements for the mobile device in order to use Fubon GO？

The operating system requirement of your mobile device^* is:

iOS 11.0 or above; or
Android 8.0 or above.

Also, your mobile devices* need to be equipped with the following features in order to use Fubon GO:

front and back-facing cameras, and
Apple Store (for iOS devices) / Google Play (for Android devices), and
a gyroscope (for the level and angle detection in order to capture your HKID card).

^*Mobile devices do not include tablet and designated mobile model (e.g. Sony Xperia XZ2 Premium, Xiaomi Mi10, and etc.)

Q3. How can I download Fubon GO?: Please visit official application stores - Apple Store / Google Play to search and download Fubon GO. Do not download any applications from an unknown source.

Q4. What languages is the Fubon GO available in?: Fubon GO is currently available in English and Traditional Chinese.

Q5. If I am not in Hong Kong, can I use Fubon GO to open a bank account?: Currently, we only accept customer who is in Hong Kong to open a bank account via Fubon GO.

Q6. Which bank account can I open through Fubon GO?

You can open a Fubon HKD Statement Savings Account and a Securities Account through Fubon GO. The following Self-service Banking will also be subscribed together with your account opening.

Fubon Internet Banking Service
Fubon Mobile Banking Service
Fubon e-Statement Service
One Time Password (OTP) Service
Fubon Phone Banking Service

Q7. If I have already held a Fubon Bank individual account, can I open another bank account through Fubon GO?: Ans: Fubon GO is only available to new customer who does not hold any deposit account(s) of Fubon Bank (including Statement Savings Account, Current Savings Account, Fixed Deposit Account and Target Savings Plan) as a sole name account holder. If you already have a Fubon Bank individual deposit account, you will not able to open bank account using Fubon GO.

Q8. If I am a Fubon Bank credit card / personal loan customer, will my personal information in Fubon Bank be updated after I opened a bank account through Fubon GO?: Some of the information you have provided in the application will be used to update the bank’s record accordingly. Other information you have not provided will not be updated.

Q9. Are there minimum balance requirement and service fees for opening a Fubon HKD Statement Savings Account through Fubon GO?: No, there is no minimum balance requirement for Fubon HKD Statement Savings Account. In addition, there is no service fee for opening bank account through Fubon GO.

Q10. How to apply ATM card through Fubon GO?: If you need to apply an ATM card, you could choose “Yes” to apply ATM card service when setting up self-service banking. Please click “Set Up Now” after selecting the language on ATM screen to finish the application. ATM card will be sent to your correspondence address after the account is opened successfully while the ATM Password will be mailed separately.

Q11. How to apply cheque book after opening account through Fubon GO?: The account opened through Fubon GO is Statement Savings Account and cheque book service is not applicable for Savings Account. If you need a cheque book, please visit our branch to open a current / cheque account and apply for the related service.

Q12. Can someone help me to open an account using Fubon GO? How to ensure data security?: You would need to complete the account opening process yourself. During the process, Fubon GO will verify the applicant's HKID card and real-time selfie image through identity verification technology, and verify the applicant's mobile phone number by One Time Password (OTP). All the information you have provided, including HKID photo, selfies, personal data, user name and Password, will be encrypted to protect the privacy of the applicant.

Q13. Who can open a Fubon Bank Account through Fubon GO?

You need to fulfill all of below requirements to open a Fubon Bank Account through Fubon GO:

You are aged 18 or above
You are a permanent resident of Hong Kong
You are not a U.S. person
You are a tax resident in Hong Kong only
You are now located in Hong Kong
You have not been refused to open a bank account by other banks
You do not have any Fubon Bank Account in the form of sole account (Including Savings Account, Demand deposit Account, Fixed deposit Account and Target Savings Plan)

Q14. Do I need to upload a residential address proof or other document to complete the account opening process through Fubon GO?: In general, no address proof or other document are required to be uploaded. Our Customer Service Officer will contact you to collect related document if necessary.

Q15. Will the Bank keep my HKID card information and selfie captured during the account opening process?: When using Fubon GO to open an account, all personal information you have provided (including but not limited to HKID card or selfies image, etc.) will be used or retained in accordance with the relevant terms and provisions under the Bank’s "Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data".

Q16. Why I cannot capture my HKID card and take selfies successfully during identity verification?: A range of factors may affect the accuracy of identity verification, including the environment in which your HKID card and / or selfies are taken (e.g. glare), scratches and / or damages on HKID card, etc. While capturing HKID card and taking selfies, please follow the instructions on the app and ensure you are in a well-lighted environment. In addition, please ensure the HKID card is placed on a flat and white surface, and avoid any part of the HKID card and information are being blocked by light reflection and / or shadow.

Q17. Why my mobile phone cannot receive the SMS with One Time Password (OTP)?: You are required to provide a Hong Kong mobile phone number in order to receive the OTP SMS. Please check whether the mobile phone number you have inputted on Fubon GO is correct, your internet connection is well-connected and SMS forwarding service is disabled. If you have entered a correct mobile number but still cannot receive the OTP SMS, please press "Resend" to get another OTP SMS. Our SMS will only be sent to the mobile number you have inputted on Fubon GO. Even if you have registered for SMS forwarding service, the SMS will not be sent to another mobile phone number.

Q18. When can I start using my account after the application is approved and completed?: After your account has been opened successfully, you can deposit money / transfer fund to the account instantly. However, the account will take at least one working day before withdrawal (including cash withdrawal, fund transfer out, time deposit placement and any other debit transactions from this account) can be made. Internet Banking and Mobile Banking account will be activated once the Self-service Banking is set up successfully. You can then login Internet Banking and Mobile Banking to view the account balance and manage your account.

Q19. Why do I need to set a 6-digit Passcode?: For those incomplete account opening applications, the 6-digit Passcode will be used for authentication to continue the application / set up Self-service Banking. If you have forgot the 6-digit Passcode, please contact Fubon GO Service Hotline at 2806 7038.

Q20. How can I set up my Self-service Banking?: After your account opening application is completed / you have received the application approved notifications through SMS and e-mail, you can go back to Fubon GO and press “Continue your application”. You can then continue to set up the Self-service Banking after mobile phone number verification and 6-digit Passcode authentication.

Q21. Why do I need to set up Internet Banking and Mobile Banking username and Password? When can I start to use those services?: Fubon GO Account Opening Service will activate Internet Banking and Mobile Banking Services as a bundle. Once your account has been opened successfully, you can then login to Internet Banking and Mobile Banking instantly to check your account balance and manage your finance with your own username and Password.

Q22. If I am a Fubon Bank credit card customer who have an active Fubon Internet Banking and / or Mobile Banking account. Do I need to set up another Internet Banking and Mobile Banking account in Fubon GO Account Opening?: If you have an active Fubon Internet Banking and / or Mobile Banking account, the new account opened through Fubon GO will be linked to your existing Internet Banking and / or Mobile Banking account one working day after the approval. You do not need to setup another account.

Q23. How to process the address verification after the Securities Account application through Fubon GO?: You will receive an address verification letter for Securities Account application by mail. Please follow the steps stated in the letter to activate the Securities Account. You can also refer to Fubon GO Starter Kit. If you cannot complete the address verification process before the expiry date mentioned in the letter, the Securities Account application will be rejected.
For enquiry, please call our Securities Services Hotline at 2842 7575 during office hours.

Q24. When the Securities Account will be activated after the completion of the address verification?: The Securities Account will be activated the next business day after the completion of the address verification.

Q25. I did not continue to open Securities Account after I successfully opened a bank account through Fubon GO. Can I open Securities Account through Fubon GO again?: You can login to Fubon Internet Banking Service and select “Securities Account Application” to request for opening of the Securities Account. For enquiry, please call our Securities Services Hotline at 2842 7575 during office hours.

Q26. What should I do if I want to report security incident or share with you my feedback related to Fubon GO?: To report security incident or share feedback related to Fubon GO with us, you can call Fubon GO Service Hotline at 2806 7038.

To borrow or not to borrow? Borrow only if you can repay!