PayMe Auto Top Up Feature Explained | Generated by AI
Question: How does Auto Top Up in PayMe work in the Hong Kong digital app?
Answer:
Auto Top-Up (also referred to as “自動增值” in Chinese) is a convenient feature in the PayMe from HSBC app that automatically adds funds to your PayMe wallet balance when it falls below a set threshold. This ensures you can continue making payments or transfers without manual top-ups each time.
How It Works
- You set a minimum balance threshold (e.g., when your PayMe balance drops below a certain amount).
- When your balance falls below this threshold during a transaction or otherwise, PayMe automatically tops up your wallet from your linked funding source.
- The top-up amount is predefined (you choose a fixed amount to add each time, typically in set options like HK$500, HK$1,000, up to HK$2,000 or similar).
- For small transactions (HK$500 or below), it may trigger automatically if the balance is insufficient.
- For larger transactions (over HK$500), it might require your authorization in some cases, but the feature aims to handle low-balance scenarios seamlessly.
- Funding sources: You can link either a bank account (from supported Hong Kong banks, including non-HSBC) or an HSBC credit card for automatic top-ups. HSBC credit card or bank account top-ups remain free, while non-HSBC credit cards may incur fees (1.2% handling fee since August 2024 for manual top-ups, and likely similar for auto).
How to Set It Up
- Open the PayMe app (ensure it’s updated to the latest version).
- Go to Me (or “我的賬戶”) > Settings (設定).
- Look for Auto Top-Up (自動增值) section.
- Enable the feature.
- Set your preferred threshold (minimum balance trigger) and top-up amount.
- Select your funding source (bank account or HSBC credit card).
- Confirm and enter your PIN if prompted.
Once set up, it runs in the background for convenience, similar to auto-reload features in other e-wallets. Note that top-ups are instant when triggered, and there are no cash advance fees for HSBC credit cards used this way.
This feature was introduced around 2023 to make payments smoother, especially for frequent users.
References:
- How to Use PayMe from HSBC: Your Complete Guide - Wise
- 常見問題及支援 - PayMe by HSBC
- PayMe完整申請教學2026：手把手教你註冊PayMe、過數、增值、收款等步驟一文看清 - Exiap
- 【PayMe】滙豐PayMe推出全新「自動增值」功能一文睇清點設定「自動增值」！ - HKET經濟日報