ATM Card Services

Overview

	Obtain cash, transfer funds, make account balance enquiries, and change your 6-digit personal identification number (“PIN”) at any ATM displaying the “JETCO” sign in Macau, Hong Kong and Chinese Mainland
	Obtain cash and make account balance enquiries at any ATM, or make direct payments via any POS terminal displaying the “UnionPay” sign around the world
	Transfer funds from accounts linked to your ATM card and held at BEA Macau Branch to accounts held at other participating JETCO member banks in Macau at any ATM in Macau displaying the “Interbank Transfer” sign
	Pay a variety of bills without prior registration at any ATM displaying the “JET PAYMENT” sign

ATM Services

1. Cash withdrawals
   You can withdraw cash from your primary account* or designated account(s)* through a JETCO ATM or from your primary MOP savings/current account through a UnionPay ATM for any amount up to MOP20,000, or its equivalent, per card per calendar day.

   * “Primary account” refers to the account of your ATM card, while “designated account” refers to any other BEA Macau Branch account linked to your ATM card.

2. Transfers

   i)	You can transfer funds from your MOP primary account or MOP/HKD designated account(s) to other MOP/HKD account(s) held at BEA Macau Branch through a JETCO ATM for any amount up to MOP20,000, or its HKD equivalent, per card per calendar day.
   ii)	You can transfer any amount of funds in the same currency among your card accounts using a JETCO ATM.
   iii)	You can transfer funds between your MOP primary account and your MOP/HKD designated account(s) using currency exchange at a JETCO ATM for any amount up to MOP20,000, or its HKD equivalent, per card per calendar day.
   iv)	You can transfer funds from your MOP primary account or MOP/HKD designated account(s) to accounts held at other participating JETCO member banks in Macau at any JETCO ATM displaying the “Interbank Transfer” sign for any amount up to MOP15,000, or its HKD equivalent, per card per calendar day. You can also transfer funds from account(s) held at other participating JETCO member banks in Macau to your MOP/HKD account with BEA Macau Branch for any amount up to a limit of MOP50,000, or its HKD equivalent, per account per calendar day.

3. Balance enquiries
   You can check the balance of your primary account and designated account(s) at any JETCO ATM. You can also check the balance of your primary MOP savings/current account through UnionPay ATM, and the balance will be shown as an equivalent amount in local currency.
4. Statement/cheque book requests
   You can request a SupremeGold Account/Current Account/Multi-currency Statement Savings Account statement or cheque book through any JETCO ATM. The statement/cheque book will be mailed to your address according to our records. The service charge for a statement/cheque book and the postage for a cheque book delivered by registered mail will be debited from your transaction account.
5. Change of PIN
   You can change your 6-digit PIN through your primary account at any JETCO ATM.
6. JET PAYMENT
   You can make the following payments through any JETCO ATM displaying the "JET PAYMENT" sign for any amount up to MOP50,000, or its HKD equivalent, per card per calendar day without prior registration:

   i)	Bill payments (available at JETCO ATM displaying the “JET PAYMENT” sign in Macau) – Pay various bills for services including telecommunications, government, utilities and insurance.
   ii)	Credit card payments (available at JETCO ATM displaying the “JET PAYMENT” sign) – Settle the balance of credit cards issued by other JETCO member banks.

7. Overseas ATM cash withdrawal settings
   You can activate, deactivate or change the overseas ATM cash withdrawal settings of your ATM card at a JETCO ATM in Macau.

Transfer Payments

UnionPay Point-of-Sale ("POS") service
You can make payments for any amount up to MOP50,000, or its equivalent, per card per calendar day through your MOP primary account at shops worldwide displaying the “UnionPay” sign.

Notes:

1. The primary account of your BEA ATM card must be an MOP account. If you are a SupremeGold customer, your primary account will be your SupremeGold - MOP Current Account and your first designated account will be your SupremeGold – Statement Savings Account.
2. Where there is an annual fee, it will be automatically debited from your primary account.
3. A replacement fee of MOP50 will be levied if your ATM card is damaged/reported lost and a replacement card is to be issued to you.
4. A service charge of HK$15 will be levied for each cash withdrawal made from any BEA ATM in Chinese Mainland or Hong Kong, or any UnionPay ATM worldwide. A service charge of HK$25 will be levied for each cash withdrawal made via a JETCO ATM in Chinese Mainland or Hong Kong. If an ATM displays both the JETCO and UnionPay signs, your cash withdrawal will be processed through the JETCO network and a service charge of HK$25 will be levied. The charge will be automatically debited from the transaction account.
5. A service charge of HK$5 will be levied for each interbank transfer transaction, and will be automatically debited from the transaction account.
6. The minimum cash amount that can be withdrawn at ATMs operated by other JETCO member banks in Macau is MOP300.
7. According to the requirements of the Autoridade Monetaria de Macau, security controls of the following ATM and POS services have been enhanced. You can change the ATM card settings through the channels as prescribed by the Bank.
   

   i)	Overseas ATM cash withdrawal function
   	Overseas ATM cash withdrawal function (including Chinese Mainland and Hong Kong) for BEA Macau Branch's ATM cards will be pre-set as "deactivated". You can activate the overseas ATM cash withdrawal function of your ATM card by setting the activation period and overseas daily withdrawal limit of your ATM card through your Cyberbanking account or any JETCO ATM in Macau. The overseas ATM cash withdrawal activation start date should be the same as or later than the setting date and should not be more than 6 months from the setting date. The end date should be within 5 years of the start date, or the card expiry date, whichever is earlier. The daily overseas ATM cash withdrawal limit can be set from a minimum of MOP100 up to a maximum of MOP20,000, and the amount should be a multiple of MOP100. BEA Macau Branch will send an SMS to your registered mobile phone number once the overseas ATM cash withdrawal function has been activated or its settings have been changed successfully. However, when deactivating the overseas ATM cash withdrawal function, no notification SMS will be sent. You can also activate the overseas ATM cash withdrawal function of your ATM card permanently and preset its daily limit; please apply at the BEA Macau branch.
   ii)	Transfer payment function
   	The daily transfer payment limit for BEA Macau Branch’s ATM cards was pre-set as MOP0. You can change the daily transfer payment limit and activate or deactivate the overseas transfer payment function through your Cyberbanking account or at the BEA Macau Branch. The combined local and overseas daily transfer payment limit can be adjusted from the Bank's pre-set maximum limit of MOP50,000 to a minimum of MOP100, and the amount should be a multiple of MOP100.
   iii)	SMS alert function
   	BEA Macau Branch will send an SMS to your registered mobile phone number whenever an ATM cash withdrawal or POS transfer payment transaction equal to or over MOP1,000 is made. You can deactivate the SMS alert function or adjust the pre-defined transaction amount through your Cyberbanking account or at BEA Macau branch. The pre-defined transaction amount can be adjusted from a minimum of MOP100 up to a maximum of MOP20,000, in a multiple of MOP100.

Interbank transfer disclaimer:

Outward Transfers 

1. BEA Macau Branch will debit the sum from your account immediately upon receipt of the interbank transfer request.
2. The receiving bank may credit the transferred funds to the transferee’s account according to its own arrangements, and BEA Macau Branch will not be responsible for the time as to when the transferred funds will actually be credited to the receiving account.
3. BEA Macau Branch will not be responsible, under any circumstances, for recovering any amount paid to a receiving bank and will not be responsible, for any reasons, for any failure of any receiving bank to pay the recipient.
4. You acknowledge the risk involved in transferring funds to third party accounts (e.g. the funds being transferred to unauthorised third party accounts), and BEA Macau Branch will not be responsible for such risk.
5. If a receiving bank is in default of the interbank settlement before your payment has been made, the payment will not be completed and the debit entry in your account will be reversed accordingly.

Inward Transfers

1. When funds are transferred from the paying bank to your account through an ATM, BEA Macau Branch will credit the funds to your account in accordance with our existing practices.
2. BEA Macau Branch reserves the right at any time to reverse any credit to the customer’s account if the paying bank fails, for any reasons, to make payment to BEA Macau Branch.