[HK Bank] FPS transfer from China Merchants Bank (Hong Kong branch)


1. Your payment account name must be the same as your FUTU Securities account name. Funds transfered from third-party accounts, E-wallets or cash transfers will not be accepted.

2. Your transferred funds needs to be settled and verified after FUTU have received your transfer. FUTU do not process remittance during Hong Kong public holidays. Please allow the time for remittance processing.

What is FPS Transfer?

FPS Transfer is a fully connected fast payment system for banks launched by the Hong Kong Monetary Authority on 30 September 2018.

● Instant interbank transfers

● Free of charge

● FUTU supports HKD tranfer only, and is about to support CNH in the future.

● Use FPS ID for funds transfer rather than account number.


1. FPS transfer in Online-Banking APP

Log in your China Merchants Bank APP, Find [Fund Transfer]. Fill in the form with the following information.



Beneficiary Bank


Beneficiary's Name


Please double check your transfer information before submit.


2. Notify Futu to collect payment

After you have transferred your funds to FUTU account, you need to submit a notification on APP to notify FUTU to collect your payment. If the deposit notice is not issued for more than 20 calendar days, the fund may be returned by the bank.

FUTU will accept your deposit only if you have submitted a notification to FUTU, if not, your deposit request might be delayed.

2.1 How to submit a notification to FUTU?

PATH:Launch FUTU APP - Click [Accounts] on the bottom - Click [Any Account] - Click [Transfers] - Click [Deposit] - Select the currency you have transfered - Select [FPS transfer] - Click [I have transferred the funds and notify FUTU to receive the Payment]

Please double check on your Remittances account and deposit currency. 


1. Please input the amount correctly, or your deposit might be delayed.

2. If you have transfered several times to FUTU, please submit the notification seperately.


3. FAQ

3.1 Check deposit history

You can check your deposit status or history in deposit history page. 

PATH: Launch FUTU APP > Accounts > Any Account > More > Funds Records

3.2 Arrival time of deposit

Deposit Time Estimated Available Time
Mon 08:00 - Fri 15:00 Within 2 hours
Other times Before Mon 11:00

3.3 Bank fees

Majority of banks do not charge fees at this stage, but FUTU do not guarantee that some institutions do, and FUTU do not guarantee that fees might required in the future. For further details, please consult the bank.

3.4 Other questions

1. If you have arrears in your FUTU account, the deposit amount returned before 15:55 on the trading day will stop calculating the interests on the same day. The deposit amount returned at other time will stop calculating interests on the next trading day.

2. Deposit credited before 15:55 on the trading day will record in the statement on the same day. Deposit credited at other times will appear in the statement on the next trading day.

3. The above estimated available time is for reference only. The actual available time may be affected by various factors, such as holidays, incorrect information, etc. Please refer to the actual available time.


  1. The above guide screenshots are shared by users for reference only. If there is any discrepancy between the screenshots and the actual interface of the bank, please confirm with the bank regarding the filling of the content.

  2. FUTU HK may update the relevant content of this article in the help center from time to time without prior notice.

  3. FUTU HK will not be liable for any form of losses caused by this guide or content updates.