In today's world where mobile payments are increasingly popular, a convenient, secure, and fully functional e-wallet can bring great convenience to life. Tap & Go Hong Kong, as a popular mobile payment tool in Hong Kong, has been favored by many users due to its diverse functions and wide range of usage scenarios. Whether it's daily local consumption, cross-border transfers, or overseas travel payments, Tap & Go can provide efficient solutions. This article will comprehensively analyze Tap & Go from basic introduction to practical operation, helping you easily master this e-wallet.

I. What is Tap & Go?

Tap & Go is a smartphone-based mobile wallet application. Users only need to download the APP to quickly obtain a virtual Mastercard or UnionPay card, enabling multi-scenario payments both online and offline. It is available to users aged 11 and above with mobile phone numbers from Hong Kong, Macau, or Mainland China (US citizens, residents, or green card holders cannot use it in Hong Kong). It is a prepaid e-wallet that can effectively help users control consumption, especially suitable for cultivating financial management capabilities. With Tap & Go, you can achieve the following functions:

• Use virtual Mastercard/UnionPay cards for payment at any time;
• Bind Apple Pay or Google Pay to complete payments in offline stores and online platforms;
• Scan QR codes to complete scan-to-pay;
• Make FPS transfers using mobile phone numbers or QR codes;
• Realize two-way exchange between Hong Kong dollars and Renminbi;
• Support payments to Weixin Pay in China and PromptPay in Thailand;
• Make international transfers via Western Union.

II. Can Tap & Go be used overseas?

For users who often travel abroad, the overseas availability of e-wallets is crucial. Tap & Go has a wide range of usage scenarios overseas, including:

• Can switch between HKD and RMB balances for convenient consumption in Mainland China;
• Can directly scan PromptPay QR codes for payment in Thailand with no foreign exchange fees;
• Make payments anywhere Mastercard or UnionPay is accepted worldwide;
• Make international transfers via Western Union.

However, it should be noted that there are related fees when using it:

• The exchange between RMB and HKD is based on real-time exchange rates (it is recommended to compare with the mid-market rate);
• Foreign currency transaction fees: 1% for UnionPay and 2% for Mastercard;
• Western Union transfers incur fees and exchange rate markups.

III. Steps for using and activating Tap & Go

How to use Tap & Go?

1. Download the Tap & Go APP and register with ID documents;
2. After successful registration, you can instantly obtain a virtual card and start using various functions.

How to activate a Tap & Go account?

The account activation process is simple and quick, taking only four steps:

1. Open the APP, enter your mobile phone number and get the verification code (OTP);
2. Set a 6-digit PIN;
3. Complete identity verification via iAM Smart and Hong Kong ID;
4. After confirming the information, the virtual card will appear in "My Cards".

IV. Tap & Go top-up methods

There are various channels to top up the Tap & Go account, meeting the needs of different users:

• Top up via FPS bank transfer;
• Top up via HKT Flexi loans;
• Top up with cash at CSL stores or 7-Eleven convenience stores;
• Top up using HKMA Coin Card;
• Top up at bank counters such as Bank of China, HSBC, and Hang Seng Bank.

V. How to set up Tap & Go on Apple Pay?

If you are used to using Apple Pay, you can bind Tap & Go by following these steps:

1. Activate the "Pay by Card" function in the Tap & Go wallet;
2. Enable the "Online Payment" setting;
3. Add the virtual card to Apple Pay to make contactless payments.

VI. Tap & Go cards, fees and limits

Card types

Tap & Go currently only offers virtual Mastercard/UnionPay cards, and physical cards have been discontinued since January 6, 2025.

Fee description

• Account opening is free;
• Non-cash top-up is free, and cash top-up will charge a 0.3% fee from June 30, 2025;
• Overseas transaction fees: 1% for UnionPay, 2% for Mastercard;
• Western Union transfers require fees and exchange rate markups;
• Inquiry of detailed transaction records costs HKD 30, dispute handling costs HKD 150, and account cancellation refund costs HKD 60.

Account limits

Different types of accounts have different limits:

• Lite account: Maximum balance of HKD 3,000, maximum daily top-up of HKD 25,000, maximum annual top-up of HKD 25,000;
• Plus account: Maximum balance of HKD 100,000, maximum daily top-up of HKD 38,000, maximum annual top-up of HKD 100,000;
• Pro account: Maximum balance of HKD 200,000, maximum daily top-up of HKD 20,000, maximum annual top-up of HKD 1,200,000.

In addition, users under 18 have a maximum account balance of HKD 3,000 and a maximum annual top-up of HKD 25,000.

VII. Customer service and frequently asked questions

Contact information

• Customer service hotline: 2888 0000;
• Email: [email protected].

Frequently asked questions

• Is Tap & Go a credit card?
  • No, it is a prepaid wallet that needs to be topped up before use.
• Are there any physical cards available now?
  • No, physical cards have been discontinued since January 6, 2025.
• What is the relationship between TNG and Tap & Go?
  • TNG Wallet ceased service at the end of 2024, and there is no connection between the two.
• Is PayPal supported?
  • Acceptance is limited and depends on whether the merchant supports it.

Summary

Tap & Go Hong Kong, with its convenient operation, diverse functions, and wide range of usage, has become an ideal payment tool for users in Hong Kong and surrounding areas. Whether it's local daily bill payments, cross-border transfers, or overseas travel consumption, it can provide efficient and secure services. Before using it, it is recommended to carefully understand the various fees and limits, and choose appropriate functions according to your own needs to make mobile payments bring more convenience to your life. If you encounter any problems during use, you can contact customer service for help at any time.