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JustPay 1st Anniversary Limited-Time Offer –
Scan & Save in Mainland China!
Keep Spending, Keep Earning!

To celebrate JustPay's 1st Anniversary, we're bringing you a limited-time offer! When heading to Mainland China during the Mid-Autumn Festival and Golden Week holidays, wherever Alipay+ QR codes are accepted, you can simply scan or present your QR code with JustPay to pay instantly—making your travels smoother and more enjoyable!


Remember to set your "Mainland & overseas daily transfer limit" and "Non-registered payee daily transfer limit" before you set off!

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How to Save More?

From 25 September to 18 October 2026, enjoy a CNY5 instant discount on every transaction of CNY50 or more when spending in Mainland China!*

How Can One App Help You?

JustPay app demo
Even if you’re new to cross-border payments, the Hang Seng Mobile App makes it simple, secure, and seamless. Just a few easy steps and you’re ready to pay across Mainland China and overseas—no hassle, no stress.

Pay Directly from Your Bank Account

JustPay transfer demo
Payments are deducted directly from your HKD bank account.​ No need to set up or top up any e-wallet—just scan and pay anytime, anywhere. Travel lighter and smarter!

Transparent Exchange Rates

JustPay fx rate demo
All transactions are settled in HKD. Before confirming payment, you’ll see the exchange rate clearly—so you stay in control. With zero handling fees, everything is transparent for peace of mind.

Scan or Be Scanned — It’s That Easy

JustPay QR demo

Screen image is for illustrative purposes only.

Simply tap "Transfer & QR Payment" on the Mobile App log on page, then select "Scan to Pay" to pay with JustPay by scanning or showing a QR code.​

Screen image is for illustrative purposes only.

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Learn more about JustPay cross-border payment details
Please visit: Hang Seng Bank > Personal Banking > Banking Services > QR Payment
Learn more about JustPay cross-border payment details
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What is JustPay?

Beyond cross-border payments, JustPay offers 3 key features to make payments more meaningful:

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Item 1

Add voice recordings, themed animations, and text to "Sweet Pay"

New capsules will be launched from time to time, so stay tuned!

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Screen image is for illustrative purposes only.

Share a personalised QR code for easy bill splitting

Item 3

Fast payment experience

new feature
Sweet Pay – Paying and receiving, made even more meaningful.​
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Add a photo to your Sweet Pay transfer to capture special moments and relive heartwarming memories with family and friends whenever you like.​​

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Screen image is for illustrative purposes only.

Personalise your QR code with your own photo, making it truly unique. Your friends will recognize you instantly—no more worries about sending money to the wrong person!

Explore more JustPay features
Please visit: Hang Seng Bank > Personal Banking > Banking Services > JustPay
Explore more JustPay features

Get prepared for your trip and enjoy it to the fullest! ✈️

🛡️Travelsure Single Trip Cover: Get covered for your next trip with 25% off, daily premium as low as HKD18^

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Start Using JustPay Today. Experience seamless cross-border payments with just one app!

Haven't downloaded the Hang Seng Mobile App yet? Download now to enjoy cross-border payments and personalised mobile banking—all in one app!

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If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for verification.
Enquiry and Trading Hotlines – Hang Seng Bank

If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for verification.
Hang Seng Bank Website > About Us > Contact Us > Enquiry and Trading Hotlines

*Quota applies and is available on a first-come, first-served basis.
^Assuming an online application of the Travelsure Protection Plan (Single Trip Cover) for 3 days trip to China, 25% premium discount which makes the daily premium as low as HKD18.

Follow the steps below to change your "Mainland & overseas daily transfer limit" and "Non-registered payee daily transfer limit" to avoid transaction failure. Transactions exceeding the applicable limits will not be processed:

  • Hang Seng Mobile App: Go to the left-hand menu and tap "Settings & Security" > "Transfer & Pay" > "Set transfer & payment limits"; or
  • Personal e-Banking: tap "Transfer & Pay" > "Limit / Payee Settings" > "Limit Maintenance"

Terms and Conditions apply to all the promotions above.

The promotion period for Hang Seng Bank Limited ("Hang Seng") “Mainland China Merchant QR Payment Instant Discount Spending Reward Campaign” ("Promotion") is from 25 September to 18 October 2026 (both days inclusive) . Please click here for the terms and conditions.

Risk Disclosure of Foreign Exchange

RMB Currency Risk

Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

Foreign Exchange Risk

Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.

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