Prepaid card

The FXP prepaid card is a reloadable prepaid card with similar functions as any other MasterCard credit cards but without credit facility. In light of this, cards need to be loaded with funds. The value of purchase amount will be deducted directly from the fund that is available in the card. The prepaid cards can be used at any point of sales (POS), online payments, telephone payment, or any stores, where MasterCard has their services.
There is no interest accrued from the prepaid card account.
Yes, the card expires after 3 years.


No. You can apply and obtain a FXP card regardless of your credit rating or bank account balance.
Normally, it takes 14 working days to review your application and issue card. You will receive a notification email upon successful application.
When you receive your prepaid card, you must sign in the back of the card in the space highlighted ‘Authorized signature’ and then activate your card as per the instructions provided in the welcome pack.
You may activate your card at FXP card App, which can be downloaded from Google Play or Apple Store.
Abide by the rules regulated by Hong Kong Monetary Authority, we ought to let the cardholders to go to the designated store to collect their card for security reason.
Please refer to the “Application” web page for the detailed procedure. You may email to for any enquiry.
Please refer to the “Application” web page for the application requirements. You may email to for any enquiry.

Card Management

You can manage your card accounts with FXP mobile app that is available on both iOS and Android Operating Systems. The app allows you to make fund transfer, check balance and transactions.
There is no minimum balance requirement on FXP card. However, you will need to top-up at least HKD 500 for the first time.


If your card is lost or stolen, you can block the card immediately by using FXP mobile app. You will need to contact us to unblock your card.
The three-digit Secure code is displayed in the back of the card and next to the signature column. SecureCode is a safety protocol developed by MasterCard to enhance the security of online payments and works as an additional layer of security.

Top Up

You may reload the fund into the card by cash at our partner stores; or you can transfer fund via bank transfer to our BOCOM account.
The maximum loading amount is HKD 75,000.
The amount of the money will arrive in your card as soon as you top up. Normally it will take 1-2 working days to load the fund into your card.


You can only transfer money from one card to other MasterCard that is under your name.


You can use your card anywhere in the world where the MasterCard Acceptance Mark is displayed.
Mastercard is one of the payment network that process card payments that use MasterCard brand among merchants, acquirers and issuers similar to other payment networks such as, Visa, UnionPay, JCB and American Express.
The exchange rate is decided and renewed by MasterCard every day. You can check it on the MasterCard website.
No, there will not be any interests.