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Important: Effective February 1, 2026 at 00:00 HKT, new mandatory KYC requirements will apply to all individual card account applications submitted via the Access API.

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Overview

To enhance security and ensure compliance with evolving regulatory standards, we are introducing important changes to our KYC requirements for all new individual card account applications submitted via the Access API.

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Mandatory Fields (Effective Feb 1, 2026 at 00:00 HKT)

The following fields will become mandatory for all individual applicants:

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1. Occupation

The cardholder’s occupation, selected from the pre-defined list available at the /v1/occupations endpoint. API Endpoint: GET /v1/occupations

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2. Position

The cardholder’s job position, selected from the pre-defined list available at the /v1/positions endpoint. API Endpoint: GET /v1/positions

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3. Gender

The cardholder’s gender. Accepted values:
  • MALE
  • FEMALE

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4. Nationality

The cardholder’s nationality in ISO 3166-1 alpha-2 format. Format: Two-letter country code (e.g., HK, US, CN)

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5. Supporting Documents

For non-Hong Kong (HK) nationals, at least one of the following supporting documents must be provided.

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Accepted Supporting Documents

For applicants who are non-Hong Kong (HK) nationals, you must provide at least one of the following documents:
Document TypeDescription
Hong Kong Immigration Endorsement / Landing SlipOfficial immigration document from Hong Kong Immigration Department
Valid Hong Kong Work VisaCurrent and valid work permit for Hong Kong
Employment ContractFrom a Hong Kong registered company
Salary PayslipFrom a Hong Kong company, issued within the last 3 months
Tenancy / Rental AgreementValid Hong Kong residential lease agreement
Address ProofHong Kong address proof (e.g., utility or telecommunication bill) issued within the last 3 months
Bank StatementHong Kong bank statement issued within the last 3 months
Hong Kong-Macao Travel PermitValid permit for travelling to and from Hong Kong and Macao
Proof of Recent VisitHotel booking or flight ticket dated within the last 7 days
Hong Kong nationals (nationality = HK) are exempt from providing supporting documents.

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API Integration

When creating card accounts for individual cardholders via the API, include these fields in your request: 
{
  "accountType": "INDIVIDUAL",
  "firstName": "John",
  "lastName": "Doe",
  "dateOfBirth": "1990-01-15",
  "occupation": "accountant",
  "position": "senior management",
  "gender": "MALE",
  "nationality": "US",
  "supportingDocuments": [
    {
      "documentType": "WORK_VISA",
      "file": "data:application/pdf;base64,JVBERi0xLjQKJeLj..."
    }
  ]
  // ... other required fields
}
API Reference: Create Card Account
Important:
  • occupation and position values should be retrieved from the /v1/occupations and /v1/positions endpoints (lowercase strings like "accountant", "senior management")
  • supportingDocuments files must be base64 encoded in data URI format (e.g., data:application/pdf;base64,JVBERi0...)
  • Accepted file types: PDF, JPEG, PNG, GIF

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Implementation Timeline

1

Now - January 31, 2026

Preparation Phase
  • Update your systems to collect the new mandatory fields
  • Test your integration in the sandbox environment
2

February 1, 2026 at 00:00 HKT

Enforcement Date
  • New fields become mandatory
  • API requests without these fields will be rejected with validation errors
We strongly encourage you to begin updating your systems now to ensure a seamless transition.

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Testing in Sandbox

You can test the new requirements in our sandbox environment before the enforcement date: Sandbox Base URL: https://sandbox.access.utgl.io/v1

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中文版本

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重要更新：個人持卡人KYC要求的強制性變更

重要提示： 自 2026年2月1日 00:00 HKT 起生效，所有透過 Access API 提交的新個人持卡人帳戶申請將必須符合新的強制性 KYC 要求。

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概述

為提升安全性並確保我們符合持續更新的監管標準，我們將對透過 Access API 提交的所有新個人持卡人帳戶申請，實施重要的 KYC 要求變更。

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強制性欄位（2026年2月1日 00:00 HKT起生效）

所有個人申請者將必須提供以下欄位：

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1. 職業 (Occupation)

必須從 /v1/occupations API 端點提供的預先定義列表中選擇持卡人的職業。 API 端點： GET /v1/occupations

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2. 職位 (Position)

必須從 /v1/positions API 端點提供的預先定義列表中選擇持卡人的職位。 API 端點： GET /v1/positions

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3. 性別 (Gender)

持卡人的性別。 可接受的值：
  • MALE（男性）
  • FEMALE（女性）

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4. 國籍 (Nationality)

持卡人的國籍，需使用 ISO 3166-1 alpha-2 格式。 格式： 兩個字母的國家代碼（例如：HK、US、CN）

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5. 證明文件 (Supporting Documents)

對於 非香港 (HK) 國籍 的申請人，必須提供以下至少一份證明文件。

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可接受的證明文件列表

對於 非香港 (HK) 國籍 的申請人，您必須提供以下至少一份文件：
文件類型說明
香港入境事務處的入境批註 / 登陸標籤香港入境事務處發出的官方入境文件
有效的香港工作簽證當前有效的香港工作許可
僱傭合約香港註冊公司的僱傭合約
薪資單香港公司發出的薪資單，最近三個月內發出
租賃協議有效的香港住宅租賃協議
地址證明香港地址證明（例如：水電費或電信帳單）最近三個月內發出
銀行月結單香港銀行月結單，最近三個月內發出
往來港澳通行證有效的往來港澳通行證
最近訪問證明酒店預訂或機票，最近七天內
香港國籍 (nationality = HK) 的申請人 無需 提供證明文件。

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實施時間表

1

現在 - 2026年1月31日

準備階段
  • 更新您的系統以收集新的強制性欄位
  • 在沙盒環境中測試您的整合
2

2026年2月1日 00:00 HKT

強制執行日期
  • 新欄位成為強制性要求
  • 缺少這些欄位的 API 請求將被拒絕並返回驗證錯誤
我們強烈建議您 現在 開始更新您的系統，以確保順利過渡。