E Money Card Fees

Transaction & ATM Fees

Fee	Amount	Description
Overseas Transaction	1%*	Charged on any transaction made outside Hong Kong, as a percentage of the transaction amount.
Hong Kong Local Transaction	0%	No fee for transactions conducted in Hong Kong.
Overseas ATM Cash in Advance	1% + min 50 HKD*	Fee for cash withdrawal from overseas ATMs; charged as a percentage of the withdrawn amount with a minimum HKD fee.
Hong Kong Local ATM Cash	2% + min 50 HKD*	Fee for local ATM withdrawals in Hong Kong; charged as a percentage of the withdrawn amount with a minimum HKD fee.

Collateral Fee

Fee	Amount	Description
Collateral Injection Fee	0.5%	Applied when injecting or increasing collateral on the account.

Card Fees

Fee	Amount	Description
Card Subscription Fee	$99	One-time fee for subscribing to the E Money Card.
Card Transaction Fee	$0	No fee is charged per transaction when using the card.
Annual Fee	$0	No annual cost for maintaining the card.
Request New Card Fee	$10	$10 charge for requesting a new card (e.g., upon expiry or upgrade).
Lost and Replace Card Fee	$25	$25 charge for replacing a lost or stolen card.
Chargeback	$25	$25 charge for any chargeback transactions
Interest charge	40%	40% APR charge on any negative balance

Service & Other Fees

Fee	Amount	Description
Automated Calls & Email Inquiries	$0	No cost for contacting customer service via automated calls or email.
Email & Text Message Alerts	$0	No charge for receiving notifications regarding account transactions/updates.
Mobile Application Facilitation Fee	$0	No additional fee for using the official E Money Card mobile application.
Periodic Statement Fee	$0	No charge for receiving periodic statements of your account.

*MasterCard Fees

The MasterCard fees outlined below are imposed by the card network itself and are therefore mandatory. They apply to relevant overseas, local, and ATM transactions wherever MasterCard is accepted, and must be paid regardless of any other fees or promotions offered by E Money or its affiliates.

• Overseas Transaction: 2%

• Hong Kong Local Transaction: 0%

• Overseas ATM Cash in Advance: 1%

• Hong Kong Local ATM Cash: 1%

Note on Miscellaneous Fees:

Other miscellaneous fees or additional charges may apply to certain specific transactions or special services not listed above. These fees can vary based on the nature and location of the transaction, and you should consult the applicable terms or contact customer support for further details.