FPS Top-Ups directly to the card are instant and available for HSBC, Bank of China, Standard Chartered & Hang Seng.
You can find the full instructions here.
For Top-Ups done from Hong Kong (E-Banking & Cash):
Your money will reach your Neat account by 7 pm Hong Kong time if the top-up is received before 4.00 pm Hong Kong time on a business day.
Any top-ups received after 4.00 pm Hong Kong time or on a weekend, or Hong Kong public holiday will reach your Neat account by 7 pm Hong Kong time the following Hong Kong business day.
Please note that most banks take 1-2 business days to process regular (free) e-transfers. Express transfers can be processed on the same day if sent in the morning. We can only update your balance once we have received your funds.
For Top-Ups done from Hong Kong (Direct Bank Transfer):
The first time you link your account, it will take 1-2 weeks for your bank to approve. Once it’s been approved and you make a top up, the app will show the expected date of when the money will arrive. This is usually 3-4 business days. You can set up auto top-ups, such as monthly top-ups or top-ups when your balance is low so you don’t have to worry about running out of money.
For Top-Ups done from Abroad (E-Banking):
Please check with your bank how long it will take for your money to arrive in Hong Kong.