Open Banking Services

Interbank Account Data Sharing (IADS)

The Interbank Account Data Sharing (IADS) Program, introduced by the Hong Kong Monetary Authority (HKMA), aims to advance the digitalization of the banking industry. Through IADS, customers can securely and efficiently share their bank account data from one participating bank (Data Providing Bank) to other participating banks (Data Consuming Bank) with their explicit consent. This initiative enhances customer experience and enables more personalized services. For more information, please refer to the HKMA's Interbank Account Data Sharing (IADS) webpage.

Our personal and corporate/SME customers can use IADS to share their account data.

Bank Account Information Shared through the Interbank Account Data Sharing (IADS) Program

Customer Type	Account Type	Account Information Shared
Personal customers	- Deposit account (Savings/Checking Account)	- Account Availability - Account Balance - Account Status - Account Transaction
Corporate / SME customers	- Deposit account (Savings/Checking Account)

If customers wish to enquire about or revoke their IADS prescribed consent, they may log in to their Internet Banking to enquire or revoke the related consent. Customers can revoke their consent at any time to stop the data sharing process. For more information about the prescribed consent and how your data is used, you can contact our Bank directly.

For any enquiries, please call our hotline at (852) 2818 0282.

For TSPs who would like to allow customers to check their own bank account information, please create an account on the JETCO APIX website and subscribe to our Bank's API.

Important Notes
Shanghai Commercial Bank ("our Bank") will publish the list of authorized Third-party Service Providers on our Bank's website from time to time. In order to protect customer privacy, please do not disclose your personal information including bank details to any Third-party Service Provider applications that are not authorized by the Bank. Customers can click here to read more online security information. If you have any enquiry or suspected any fake webpage on Open API, please feel free to contact our Bank.