* Most merchants in Hong Kong use local payment processors, even if they are an international brand. Some merchants (e.g. UBER) use payment processors outside of Hong Kong and a 1.5% fee applies. To check the merchant country, press the transaction in the Neat App and you will be able to view all details.
** Inactivity fee will be charged after 6 months of consecutive inactivity. No inactivity fee will be charged if the balance is ZERO.