What is an Application Reference Number or Policy Number?
After you submit your application, the bank or financial institution will give you an application reference number to check your application status.
If you apply for an insurance product, the provider will issue a policy number instead.
You can find your reference number or policy number:
The table below shows the format of reference numbers and policy numbers from different banks, financial institutions, and insurance providers.
Credit Cards
| Financial Institution | Application Reference Number | How to Obtain |
|---|---|---|
| HSBC | 12-digit number (e.g., 202512345678) | The reference number will be provided in the confirmation email or SMS issued by the financial institution after application submission. If not received, please contact the financial institution. |
| Standard Chartered | HK + 14-digit number (e.g., HK25123456789012) | |
| Citibank | 12 alphanumeric characters | |
| Hang Seng Bank | 12-digit number (e.g., 202512345678) | |
| American Express | 14 digits + HKD (e.g., 20251234567890HKD) | |
| PrimeCredit | STA + 11-digit number (e.g., STAxxxxxxxxxxx) | |
| DBS Bank | 13-digit number (e.g., 2025123456789) | |
| Sim |
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| Mox Bank | 7 or 9 alphanumeric characters | Mox Bank will send you the Application Reference Number (ARN) once you have met the spending requirement. If you haven’t received it, please contact Mox Bank directly for assistance. |
Personal Loans
| Financial Institution | Application Reference Number | How to Obtain |
|---|---|---|
| Standard Chartered | HK + 14-digit number (e.g., HKxxxxxxxxxxxxxx) | The reference number will be provided in the confirmation email or SMS issued by the financial institution after application submission. If not received, please contact the financial institution. |
| Citibank | 12 characters with a combination of Alphabets and numbers / 17 digits | |
| China Citic Bank (International) | PILSHORT + 10-digit number (e.g., PILSHORTxxxxxxxxxx) | |
| Prime Credit | STA + 11-digit number (e.g., STAxxxxxxxxxxx) | |
| DBS Bank | 13-digit number | |
| CreFit | 14-digit number | |
| Promise | Phone number used to complete the application form | |
| UA (United Asia Financial) | “IMIF”/ “IMA”/ “NSMS”/ “TAXMS” + 12-digit number (e.g., IMAxxxxxxxxxxxx) | |
| WeLend | 9-digit numbers | |
| X Wallet | 19 digits numbers starting with 140 (e.g. 140xxxxxxxxxxxxxxxx) | |
| WeLab Bank | P + 15-digit number (e.g., Pxxxxxxxxxxxxxxx) | |
| Mox Bank | 7 or 9 alphanumeric characters | Mox Bank will send you the Application Reference Number (ARN) once your application has been approved. If you haven’t received it, please contact Mox Bank directly for assistance. |
Investment Accounts
| Financial Institution | Application Reference Number | How to Obtain |
|---|---|---|
| Webull Securities | Webull Account ID (8 digits) | After successfully opening your Webull account, go to “Account Overview” to find your Webull Account ID. |
| Futu Securities | Futu Account ID (8 - 9 digits) | After successfully opening your Futu account, go to “My Profile” in the Futu Account app to find your Account ID. |
| LongBridge Securities | LongBridge Login ID (8 digits) | After successfully opening your LongBridge account, go to “Me” in the app to find your LongBridge Login ID. |
| Valuable Capital Securities | Valuable Capital Account ID (7 - 10 digits) | After successfully opening your Valuable Capital account, go to “My Profile” in the app to find your Valuable Capital account number. |
| Tiger Securities | Tiger Account ID (8 digits) | After successfully opening your Tiger account, go to “My Profile” in the app to find your Tiger ID. |
| Huatai Securities | Account ID (9 digits) | After successfully opening your Zhangletong account, go to the upper left corner of the app to find your Zhangletong ID. |
| Syfe | Syfe account registration email | Please enter the email address registered with your Syfe account. |
| HashKey Exchange | UID (19 digits number) | After successfully opening your account, you can find your UID next to your profile picture on your personal page. |
| OSL | OSL account registration email | Please enter the email address registered with your OSL account. |
| StashAway | StashAway account registration email | Please enter the email address registered with your StashAway account. |
Insurance
| Provider | Policy Number | How to Obtain |
|---|---|---|
| Allianz Insurance | Travel: ALEHKA + 9 digits (e.g., ALEHKAxxxxxxxxx) | The policy number will be provided in the confirmation email issued by the insurance company after the application is submitted. If you do not receive it, please contact the relevant insurance company. |
| Allianz Insurance | Home: HKP + 10 digits (e.g., HKPxxxxxxxxxx) | |
| Starr International | 5 letters + 6–7 digits (e.g., AEISTxxxxxxx) | |
| FWD | 8–10 digits | |
| AXA | Z + 7 digits (e.g., Zxxxxxxx) | |
| Blue Cross | 1–2 letters + 6–7 digits (e.g., HSxxxxxx / Rxxxxxxx) | |
| Dah Sing Insurance | 10 digits | |
| Zurich | 3 letters + 9 alphanumeric characters (e.g., ZDHxxxxxxxZC) | |
| Avo Insurance | 3 letters - WEB - 4 digits - 8 digits (e.g., HOM-WEB-xxxx-xxxxxxxx) | |
| BOCG Insurance | 3 letters/2 digits - 10 digits (e.g., UTD/xx-xxxxxxxxxx) | |
| QBE | 01-T + 7 digits - PTR (e.g., 01-Txxxxxxx-PTR) | |
| AIG | 9–10 alphanumeric characters (e.g., Txxxxxxxxx) | |
| Generali | 2 letters + 6 digits (e.g., TJxxxxxx) | |
| Ping An | HKO / 3 alphanumeric / 4 digits / 5 digits (e.g., HKO/PET/xxxx/xxxxx) | |
| Prudential | 12 digits, starting with 9 (e.g., 9xxxxxxxxxxx) |
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