OCBC Bank (Hong Kong) Limited is upgrading its Core Banking System (CBS) to enhance service efficiency, security, and customer experience.
Core banking
system upgrade
Core banking system upgrade
system upgrade
what you need to know
Core Banking System Upgrade
We are upgrading our core banking system to further enhance the quality and efficiency of our services. The upgrade will be carried out from 8 p.m. HKT on 16 October 2026 (Friday) to 12 noon HKT on 18 October 2026 (Sunday). The upgraded system will provide enhanced customer notifications, an improved and consistent advice layout, and expanded product and service offerings for you.
During this period, there will be a suspension of certain critical banking services (including ATMs and Online Banking which will be unavailable during this Period). Please click here for the details of the suspended services and special arrangements. We apologise for any inconvenience caused and thank you for your understanding.
IMPACTED SERVICES AND SPECIAL ARRANGEMENTS
Plan ahead for the system upgrade
To minimise disruption to your banking activities during the system upgrade, please complete the following transactions and requests in advance.
Scheduled Transactions
Personal Internet Banking
You will not be able to select 17 October 2026 (Saturday) as the execution date for Nominated Account Transfers, Fund Transfers and ePayment transactions. To avoid payment delays, please consider scheduling your transfers for another day. If you have a pre-set transaction scheduled on that date, please consider rescheduling it to another day.
Business e-Banking and Direct Connect Channel
- Scheduled Payments
If you have a pre-set transaction scheduled on 17 October 2026 (Saturday) or 18 October 2026 (Sunday), please consider rescheduling it to another day. - FPS Transactions
Outward 24/7 FPS transfer services will be unavailable from 8 p.m. HKT on 16 October 2026 (Friday) to 12 noon HKT on 18 October 2026 (Sunday).
Loan Repayments (For instalments with a repayment due date of 17 October 2026 (Saturday))
Direct Debit Repayment via OCBC Bank Account
Your repayment instruction will be processed on 18 October 2026 (Sunday). Please ensure sufficient funds are available in your OCBC Bank Account by 8 p.m. HKT on 16 October 2026 (Friday).
Direct Debit Repayment via Account Maintained with Another Bank
Your repayment schedule will remain unchanged and the debit instruction will be processed on 20 October 2026 (Tuesday). Please ensure sufficient funds are available in your designated bank account by 12 a.m. HKT on 20 October 2026 (Tuesday).
Credit Card Repayments
Repayment via FPS
Scheduled and instant FPS transfers to OCBC Credit Card Accounts will be unavailable from 8 p.m. HKT on 16 October 2026 (Friday) to 12 noon HKT on 18 October 2026 (Sunday). To avoid any impact on your repayment processing, please submit instant payment instructions before 8 p.m. HKT on 16 October 2026 (Friday) and avoid scheduling FPS payments during the service unavailability period. Please ensure sufficient funds are available in your linked bank account.
Repayment via PPS and JET Payment
Scheduled and instant PPS / JET Payment transactions to OCBC Credit Card Accounts with a payment date between 8 p.m. HKT on 16 October 2026 (Friday) and 12 noon HKT on 18 October 2026 (Sunday) will be processed on 20 October 2026 (Tuesday). Please review your payment arrangements and ensure sufficient funds are available in your PPS or JET Payment linked bank account by 12 a.m. HKT on 20 October 2026 (Tuesday).
MPF Contributions
MPF Contributions
MPF contributions to BCT Group via Instant Transfer or Scheduled Transfer Services will be unavailable from 8 p.m. HKT on 16 October 2026 (Friday) to 12 noon HKT on 18 October 2026 (Sunday). To avoid any impact on the processing of MPF contributions and any potential surcharges arising from late contributions, please review your payment arrangements and submit your transfer instruction before 8 p.m. HKT on 16 October 2026 (Friday). Please ensure sufficient funds are available in your designated payment account so that the contribution can be processed successfully .
Impacted offline services
Impacted online services
Cash Withdrawal Service during System Upgrade Period
During the System Upgrade Period, our Automatic Teller Machines (ATM) services will be temporarily suspended. To minimise any inconvenience this may cause, the Bank has arranged Hong Kong Dollar cash withdrawal service for our customers at all branches from 9 a.m. HKT to 1 p.m. HKT on 17 October 2026 (Saturday).
Each customer may visit any of the designated Bank’s branches to conduct Hong Kong Dollar cash withdrawal once per day at most during the stated service hours. The amount of the withdrawal must be in a multiple of HKD100 and the maximum withdrawal limit is HKD20,000 (provided that the relevant account must be in normal status and have sufficient account balance). Cash withdrawals must be made by the account holder(s) or the Authorized Signatory(ies) in accordance with the signing arrangement in the Bank’s records and upon presence of identification documents. The Bank’s branches will only provide Hong Kong Dollar cash withdrawal service, while other banking services will not be available. To ensure smooth service, customers are encouraged to make prior appointments on or before 12 noon HKT on 16 October 2026 (Friday) through the Customer Service Hotline at (852) 3199 9188 (for Personal Banking customers), (852) 2815 9919 (for Business Banking customers).
In addition, the following Bank branches will extend their service hours and continue to provide cash withdrawal service until 8 p.m. HKT on 17 October 2026 (Saturday) and from 9 a.m. HKT to 12 noon on 18 October 2026 (Sunday).
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Customer Service Support
You are advised to make the necessary financial arrangements in advance, including but not limited to fund transfers, cash deposits and withdrawals, to avoid any adverse effects. The Bank apologises for any inconvenience caused. Should you have any enquiries, please visit any of our branches during business hours or call our Customer Service Hotline:
(852) 3199 9188
for Personal Banking customers
(852) 2815 9919
for Business Banking customers
(852) 3199 9000
24-hour Credit/Debit or ATM Card Report Lost and Fraudulent Transaction Hotline
System upgrade delay
We apologise for the inconvenience caused. Our system upgrade is taking longer than expected, and we are working hard to restore services as soon as possible. Please contact our Customer Service Hotline if you require assistance. Thank you for your patience. We will continue to provide timely updates here.(852) 3199 9188
for Personal Banking customers
(852) 2815 9919
for Business Banking customers
FAQS
What is the purpose of the Core Banking System Upgrade and why?
Will there be any changes to my existing accounts after the System Upgrade?
No, all the existing account numbers will remain unchanged.
When will the system upgrade take place?
The System Upgrade will be carried out from 8 p.m. HKT on 16 October 2026 (Friday) to 12 noon HKT on 18 October 2026 (Sunday).
Unless otherwise specified, all services will be fully restored after 12 noon HKT on 18 October 2026 (Sunday). If the resumption date and time are changed, the Bank will announce it separately on the official website.
Which products and services will be suspended during the System Upgrade Period?
Suspended services include:
- Branch services (Only HKD cash withdrawal service available) (Please refer to Cash Centre Arrangements during the System Upgrade.)
- Safe Deposit Box Services
- Self-service Machines (ATMs, Cash deposit machines, Cheque deposit machines, and Passbook update machines)
- All ATM Card and Debit Card Services via ATMs using UnionPay and JETCO networks
- Deposits, withdrawals, transfers (inward and outward), payments, balance enquiries;
- Retail spending by using debit card; and
- Other registered services (including but not limited to the PPS service, Hong Kong Jockey Club EPS Instant EFT service and the purchase of Hong Kong Jockey Club’s cash vouchers, etc.)
- Personal e-Banking Channels (Internet and Mobile banking)
- Business e-Banking Channels (OCBC Velocity and OCBC Business Mobile Banking app)
- Direct Connect Channel (Corporate API and Host to Host)
- Telematic Banking Services (Personal and Business)
- Faster Payment System (FPS) (Inward and outward)
- Credit Card Services
- Cash withdrawal / Cash advance transactions via local OCBC, UnionPay and JETCO network;
- Online Spending / Card Binding;
- Physical retail spending by using UnionPay credit card; and
- SMS Notification Service
- Banking Services Application / Online Document Submission via the Bank’s website, Personal Mobile Banking, and OCBC Business Mobile Banking app
What do I need to do before the banking system upgrade?
- To avoid inconvenience caused during the Period, we suggest you complete any necessary transactions before 8 p.m. HKT on 16 October 2026 (Friday).
- Schedule payments and arrange fund transfers before or after the Period.
- Withdraw sufficient cash in advance if needed.