Prepaid card

Yes, UniCard prepaid card is reloadable.

Cardholders can use UniCard prepaid cards anywhere in the world where the trademark of Mastercard/UnionPay is displayed.

A Reminder: According to the regulation of HKMA, high-risk countries or areas may be unable to make transactions; monitored jurisdictional countries or areas are unable to make transactions. For further details, please contact us through Customer Service hotline at (852)2620 6800 or Email via [email protected]/cs@unicard.hk .

Applicants must be aged 18 or above with valid identification (HK ID or passports for oversea citizens) and address proof within latest 3 months (bank statement, utility bills, etc.).

If you have any further questions about address proof, please contact our Customer Service hotline at (852)2620 6800.

UniCard prepaid card is a reloadable card which has similar functions as other cards except credit facility. The card needs to be loaded with funds, and the purchase amount will be deducted directly when making transactions. UniCard prepaid card can be used at any point of sales (POS) and online payments, where demonstrates the trademark of Mastercard/UnionPay.

There is no interest accrued to the UniCard prepaid card account.

Yes, the validity period of UniCard prepaid card is 3-5 years which depends on the card programs you apply, the expiry date is printed on the front of the card. If you actively use the card, a card renewal replacement will occur automatically before expiry. 

You can send us an enquiry through “Contact Us” for further information.


Each applicant can apply for 2 UniCard prepaid cards (based on ID number).

If you provide sufficient personal details, it may take 5-7 business days to process your application.

No, you can apply and obtain a UniCard prepaid card regardless of your credit rating within TransUnion or bank account balance.

Once you receive your UniCard prepaid card, you must sign your name immediately on ‘Authorised signature’ on the back of the card, and then activate your card by following the activation steps within welcome pack. When card activation is done, you can start using your UniCard prepaid card.

You may activate your UniCard prepaid card through iWallet & UniCard mobile apps by following the activation steps from welcome pack, or contact our customer service hotline at (852)2620 6800 for helps.

In accordance with the Hong Kong Monetary Authority regulations and our internal policies, cardholders must go to UniCard Solution Limited’s office to collect their UniCard prepaid cards for security and identification verification reasons.

UniCard Office Address: 6308, 63/F One Island East, 18 Westlands Road, Quarry Bay, Hong Kong

The applicants need to provide valid Identification (Hong Kong Permanent Identity Card or passports for overseas citizens) and address proof within latest 3 months (bank statement, utility bills, etc.).

If you have any further questions about address proof, please contact our Customer Service hotline at (852)2620 6800.

Card Management

Customized UniCard prepaid card supports ATMs withdrawal function, however, some cards are not supported this function which depend on the cards you apply.

You can manage your UniCard prepaid card accounts by mobile apps such as UniCard or iWallet, which are available for both iOS and Android Operating Systems. The apps enable cardholders to make fund transfer, as well as check your account balance and transactions.

A reminder: For further assistance of fund transfer via mobile apps, please refer to “Transfer” within FAQs.

There is no minimum balance requirement for UniCard prepaid card, however, we suggest you to avoid keeping your UniCard prepaid card in zero balance. 


Please contact customer service to replace a new card.

A reminder: You will be charged a card re-issue fee by us.

Each UniCard prepaid card is bundled with a PIN number, which is unable to change. If you lost your PIN, you can contact customer service for PIN reset, and you will be charged for handling fee.

While your UniCard prepaid card is lost or stolen, you can block the card immediately by using our mobile app, and you may need to contact us to unblock your card once you find it.

The three-digit Secure Code is displayed on the back of the card, which is a safety protocol developed by Mastercard/UnionPay to enhance the security of online payments and works as an additional layer of security.

Top Up

Immediate top-up UniCard Prepaid Card with Proxy ID:

  1. Login to your Internet banking /bank mobile app
  2. Select “Fund Transfer” > “FPS / 轉數快” function
  3. Enter your Proxy ID (registered mobile number or email address)
  4. Select receiving bank "UniCard Solution Limited - 934". If you have already set UniCard as default account for receiving funds, you may skip this step
  5. Enter the amount for topping-up UniCard Prepaid Card
  6. Submit the transaction
  7. Email notification will be sent if top-up is successful

Please note: You have to use your same name bank account to load your funds to your prepaid card.

List of banks that support Credit Transfer by Proxy ID to "UniCard Solution Limited - 934"

  • Bank of China (Hong Kong) Limited
  • Bank of Communications (Hong Kong) Limited
  • China Construction Bank (Asia) Corporation Limited
  • Chong Hing Bank Limited
  • Citibank (Hong Kong) Limited
  • Dah Sing Bank Limited
  • Hang Seng Bank Limited
  • Industrial and Commercial Bank of China (Asia) Limited
  • Shanghai Commercial Bank Limited
  • Standard Chartered Bank (Hong Kong) Limited
  • The Bank of East Asia, Limited
  • The Hongkong and Shanghai Banking Corporation Limited
  • DBS Bank (Hong Kong) Limited
  • China CITIC Bank International Limited
  • OCBC Wing Hang Bank Limited
  • Fubon Bank(Hong Kong)Limited

There are few steps to set up:

  1. Login to your UniCard iWallet / Mobile App
  2. Select "FPS Service" > "Addressing Service" on side menu
  3. Choose a Proxy ID (your mobile number and/or email address) to bind to your UniCard Prepaid Card
  4. Enter your mobile number or email address. You may choose to set UniCard as default account when receiving funds via this Proxy ID
  5. A one-time verification code will be sent to your registered mobile number or email address. Enter the code to complete verification

Cardholders can top up the card by FPS.

Please note: By using FPS, your name of bank account must be same as your UniCard prepaid card.


The maximum loading amount is HKD 75,000, but it might be different depending on co-branding programs.

You may contact our customer support for further information by “Contact Us” or Customer Service hotline at (852)2620 6800.


Possibility may be:

  • There is no enough balance
  • If you have enough balance, the reason of payment failure may be the merchants do not accept Mastercard /UnionPay prepaid card as payment

Even though the trademark of Mastercard/UnionPay is displayed, the merchants have the right for the acceptance of Mastercard/UnionPay prepaid card as payment. The merchants do not accept MasterCard/UnionPay prepaid card including but not limited to:

  • HKTVmall
  • Paypal
  • Uber

Yes, UniCard offers card-to-card (the same cardholder’s name) transferring service within the same card programs.


Yes, you can use UniCard prepaid cards anywhere in the world where the trademark of Mastercard/UnionPay is displayed.

Please note: Currency conversion fee will be charged, for further information, please contact us through Customer Service hotline at (852)2620 6800 or Email via [email protected]/cs@unicard.hk .

Mastercard is a payment network that process card payments at the merchants, acquirers and issuers with Mastercard brand trademark, which is similar as other payment networks such as Visa, UnionPay, JCB and American Express.

The exchange rate is decided and renewed by Mastercard/UnionPay every day.