BCM Net e-Banking Service
Help Function Main Menu
About BCM Net
Registration of BCM Net
Accessing BCM Net
Online Transactions
Products and Services
About BCM Net
What is BCM Net e-Banking Service?
BCM Net e-Banking Service is an innovative and integrated service brought to
you by BCM bank through Internet and brings you the most convenient on-line
banking services. You can access and operate your accounts in BCM bank as well
as perform banking transactions, and other valued added services via Internet
at anytime anywhere.
Do I have to pay for the service?
No, the use of e-banking service is absolutely FREE. However, you may have to pay
for some specific transactions as per the prevailing charges defined and
announced by BCM bank.
What type of accounts can I access in BCM Net?
You can make inquiry to all existing and future individual accounts under your
name, including the current accounts, savings accounts, time accounts, loan
accounts, and credit card accounts. However, you need to make prior
registration for third party accounts that need to be operated through BCM Net
(e.g. Joint account(s), your children’s account(s) with you as the Guardian and
any other third party account(s). You can only operate or make transactions to
third party accounts based on your authority in the bank to do so.
The types of third party account that require prior registration are illustrated as follow:
|
Account Type that requires pre-registration |
Account Relationship |
Transactions available through the electronic channels |
|
BCM joint accounts (A or B to sign) |
You are one of the account holders |
With full access to account inquiry, account debit and credit transactions |
|
BCM children accounts |
With you as guardian |
|
|
BCM joint accounts (A and B to sign) |
You are one of the account holders |
Limited to account inquiry and account credit only |
|
Other BCM accounts |
Not under your name, including all third party accounts and accounts operated by you as a proxy |
Limited to account credit only |
|
Beneficiaries’ accounts of domestic & overseas fund transfers |
Under or not under your name |
Remittances |
What types of services are available in BCM Net?
You can enjoy the most comprehensive range of products and services in BCM Net.
They include:
|
． |
Account Information |
-- |
Your account balances and history inquiries are just a few
clicks away! |
|
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Fund Transfer and Payment |
-- |
Experience the ultimate convenience of transferring funds
within or outside your own assets or make payments to third parties at any
time throughout the day after pre-registered via our branch. |
|
． |
Card Services |
-- |
You can enjoy the full set of card facilities just right
in front your computer at anywhere anytime and even settle your card bills
instantly. What's more is the availability of bonus points enquiry and
redemption at your convenience! |
|
． |
Value-added Services |
-- |
You can apply TeleBCM service, autopay service, request
cashier order, etc. through BCM Net and save your time of going to the
branches! |
|
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Transaction Notifications |
-- |
BCM Net make a new breakthrough of e-Banking Service in
Macau and provides you with an advanced Notification Service with which you
can be informed of upcoming or executed activities through e-mail or mobile
SMS. |
Please click here to see the sitemap for more details.
Are all the services in BCM Net available 24 hours?
Basically yes. You can access BCM Net and making transactions or enquiries 24
hours a day, 7 days a week. However, in case you are making any transaction or
sending request to the bank after the bank's cut off time or during holidays,
the transaction or request will only be executed or followed up on the next
working day of the bank.
Registration of BCM Net
Where can I apply for BCM Net?
You can apply the BCM Net service at any one of the BCM branches.
Please click here to see the branch
list and addresses.
What are the requirements for being a user of BCM
Net?
You must be a BCM bank customer with at least one current or savings
account in order to register for the "BCM Net" e-Banking service.
How is the registration process?
When you approach a BCM branch, you will need to fill in a BCM Net Agreement.
Upon your thorough understanding of the terms and conditions printed at the
overleaf of the Agreement, sign and give it to our branch staff. With a quick
and simple registration process at the system, the branch staff will provide you
a copy of your signed BCM Net Agreement together with a sealed envelope inside
which is your first Access Password.
When can I start using the e-Banking service?
Basically, when you completed the registration process at the branch, your
access to BCM Net is ready and you can inquire your account information.
However, if you would like to make transactions online, you must first logon to
BCM Net and apply for your Transaction Password. You can choose to receive this
password by mail or collect in person at any BCM branch.
Accessing BCM Net
How can I access BCM Net?
No matter where you are (in Macau or overseas), simply approach to a computer
with the appropriate internet browser and logon to BCM bank Web Site www.bcm.com.mo. There, you will find
"BCM Net" logo displayed at the first page and by clicking on the
logo or the login button will bring you to the login page of "BCM Net
e-Banking Service".
What Internet browsers are recommended to be used
for the BCM Net Service?
Your PC should meet at least the minimum requirement of Windows 98
with Internet Explorer 5.5. Besides, please make sure to enable the following
settings of your browser:
What should I do before my first login to BCM Net?
You should make sure you have read and understand all the terms and conditions
of BCM Net e-Banking Service and read through the "User Guide"
provided by the bank upon registration.
Upon login, how do I count the position of the
characters of my identification document number?
When counting the positions of the characters of your identification document
number, you should ignore all signs such as "/", "( )",
"-", "_", "*", "#", ":",
".", etc, and input only capital letters (A-Z) and numbers (0-9). For
example:
|
- |
Macau BIR number: 1234567(8) |
|
- |
Hong Kong ID number: A123456(7) |
Online Transactions
Can I make a transaction through BCM Net at anytime
of the day?
Basically yes. However, the execution of the transaction will be based on the
system cut-off time of each particular product or service. In other words, if a
transaction has a day end system cut-off time, it will be executed
automatically if the instruction is received before the cut-off time. If the
transaction is made after the cut-off time, it will be executed or followed up
by the bank only in the next working day.
Is there a charge for making a transaction?
The BCM Net e-Banking channel is basically free of charge. There will not be
any additional handling or service charge if you make a transaction online.
However, charges will be levied based on the normal fees and commissions
defined by the bank for each particular transaction and service.
When I am making the financial transactions online,
in which currencies should I indicate the transaction amount?
No matter you are making a transfer or opening a new time deposit, etc., you
can always indicate the transaction currency from a pull down list, which at
most of the cases, will not only make available the currencies of either the
debit or credit side, but also the counter side or other currencies as to give
you the highest flexibility in allocating your assets.
What are the interest rates and/or exchange rates
applied for the transactions made through BCM Net?
The prevailing standard interest rates and/or exchange rates of the bank, as
displayed in BCM Net, will be applied for all transactions that are executed
real time online. For those transactions that are pending (e.g. transactions
related to Time Deposit) or inputted after system cut-off time, relevant rates
will be displayed on screen FOR REFERENCE ONLY. The actual interest rate and/or
exchange rates should be based on those prevailing on the transaction execution
date.
Products and Services
What are the Services I can find in BCM Net?
The list of services included in BCM e-Banking Service is:
What is the Notifications Service?
BCM bank is the first and also the only bank now in Macau to provide this
Notifications Service online. It is an advanced and unique service with which
you can receive messages in your personal e-mail box or mobile phone for those
activities or transactions that you have selected in order to be informed by
the bank if some transactions will be executed in the coming days or to know if
some transactions were done successfully or failed.
How can I apply for this Notifications Service?
In fact, you do not have to make a separate application for this service. Upon
your registration of BCM Net e-Banking Service, you are entitled to enjoy this
service at your discretion.