General Terms and Conditions:

  1. Unless otherwise specified, this promotion is not applicable to corporate accounts customers and Private Banking customers.
  2. No person other than the customer and Hang Seng Bank Limited (“the Bank”) (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
  3. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  4. These Terms and Conditions are subject to prevailing regulatory requirements.
  5. The Bank reserves the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant Terms and Conditions from time to time without prior notice.
  6. In case of any disputes, the decision of the Bank on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. This promotion and the relevant offers are subject to the Terms and Conditions of relevant products or services. If there is any inconsistency between the Terms and Conditions of relevant products or services and these Terms and Conditions, these Terms and Conditions shall prevail.
  7. In case of any discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.

Terms and Conditions for “Offer 1: Trade to enjoy up to $8,888 Cash Dollars” Promotion:

  1. The promotion period is from 1 January 2020 to 31 March 2020, both dates inclusive ("Promotion Period").
  2. This promotion is only applicable to customers of any personal integrated accounts (“Eligible Account(s)”) of the bank who did not have foreign exchange transaction with the Bank (including buy or sell of any foreign currencies available in the Bank) from 1 July 2019 to 31 December 2019. Only the principal accountholder is eligible for this promotion if the Eligible Account is a joint account (“Eligible Customer(s)”).
  3. Each Eligible Customer who has successfully exchanged foreign currencies (including buy or sell of any currencies available in the Bank) via one of the Designated Transaction Channels with Cumulative FX Transaction Amount reaches certain designated tier during the Promotion Period (“Eligible Transaction(s)”) will be entitled to the respective Cash Dollars Reward. Each Eligible Customer can only earn one tier of Cash Dollars Reward, depending on the total Cumulative FX Transaction Amount at the end of the Promotion Period.
    Cumulative FX Transaction Amount
    (in HKD or equivalent)
    Designated Transaction Channel Cash Dollars Reward
    $100,000
    • Hang Seng Personal e-Banking or Hang Seng Personal Banking Mobile Application (including FX transactions via FX Order Watch and HARO)
    $68
    $500,000
    • Hang Seng Personal e-Banking or Hang Seng Personal Banking Mobile Application (including FX transactions via FX Order Watch and HARO)
    • Phone banking hotlines
    • Branches
    $388
    $2,000,000 $1,588
    $5,000,000 $3,888
    $10,000,000 $8,888
  4. For FX Order Watch transaction, Eligible Customer can be entitled to Cash Dollars Reward only if the FX target limit order is placed within the Promotion Period and successfully being executed on or before 30 April 2020.
  5. Each Eligible Transaction is calculated in Hong Kong Dollar or equivalent based on the executed exchange rate of that transaction. For cross currency transfers, it will be treated as 2 transactions (taking a USD to AUD transfer as an example: (a) the USD to HKD exchange and (b) the HKD to AUD exchange, the amount of transactions (a) and (b) equivalent to Hong Kong Dollar value will be both counted).
  6. Except the foreign currency telegraphic exchange rate discount and the below 1-week Time Deposit Interest Rate Promotion offered by the Bank, this promotion cannot be used in conjunction with other foreign currency exchange offers.
  7. Cash Dollars Reward will be credited to the eligible Hang Seng Credit Card principal account on or before 30 September 2020, and will be shown on the credit card monthly statement.
  8. Cash Dollars Reward will be credited to the Hang Seng Prestige World Mastercard ® principal accounts of the Eligible Customers. If an Eligible Customer does not have a Hang Seng Prestige World Mastercard ®, and have one or more than one Hang Seng Credit Card accounts with an outstanding advance Cash Dollars, the Cash Dollars Reward will be credited into such credit card principal account with the highest outstanding advance Cash Dollars balance at that time. If an Eligible Customer does not have advance Cash Dollars in any Hang Seng Credit Cards, the Cash Dollars Reward will be credited to the Hang Seng Credit Card principal account with the highest Cash Dollars balance. Upon the crediting of the Cash Dollars Reward, the relevant Hang Seng Credit Card account must still be valid and with good credit records. For Eligible Customer who does not have any applicable Hang Seng Credit Card principal card, cash reward (which is equivalent to Cash Dollars Reward) will be credited in Hong Kong dollars into the Hong Kong Dollar Savings/Settlement Account of the relevant Prestige Signature or Prestige Banking or Preferred Banking or Integrated Account of the Eligible Customers (whichever applicable and in order of priority, whereas Prestige Signature as first, and followed by Prestige Banking , Preferred Banking and then the Integrated Account) on or before 30 September 2020. Eligible Customers must not terminate nor downgrade these accounts on or before 30 September 2020 in order to enjoy the cash reward.
  9. All the Cash Dollars are not applicable to Hang Seng Supplementary Card, Business Card, Commercial Card, USD Visa Gold Card, UnionPay RMB Diamond Commercial Card, Renminbi Credit Card, Spending Card, e-shopping Mastercard and Private Label Card. The Cash Dollars cannot be transferred or converted into cash. The use of Cash Dollars is subject to the Terms and Conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline at 2998 6899.
  10. Cash Dollars cannot be converted to cash or other gifts.

Terms and Conditions for “Offer 2: 1-week Time Deposit Interest Rate of Up to 10.80% p.a.” Promotion:

  1. The promotion period is from 1 January 2020 to 31 March 2020, both dates inclusive (“Promotion Period”), and only applicable to the below Transaction Time:
    Transaction Channel Transaction Time
    Hang Seng Personal e-Banking
    Hang Seng Personal Banking Mobile Application
    Monday to Friday, 8:00am to 7:55pm
    (except Hong Kong public holidays and holidays of the location of that designated currency)
    Phone banking hotlines
    - Prestige Signature Banking   (852) 2998 8022
    - Prestige Banking                   (852) 2998 9188
    - Preferred Banking                 (852) 2822 8228
    - Integrated Account                (852) 2998 8008
    Monday to Friday, 9:00am to 7:00pm
    Saturday, 9:00am to 12:55pm
    Branches Monday to Friday, 9:00am to 5:00pm Saturday, 9:00am to 1:00pm*
    *University branches closed on Saturdays
  2. This promotion is only applicable to customers who fulfill below requirements (“Offer 2 Eligible Customer(s)”):
    1. Perform exchange of AUD, CAD, GBP, HKD, JPY or USD (“Designated Currency(ies)”) with no less than HKD20,000 or its Hong Kong Dollar equivalent and capped at HKD1,000,000 or its Hong Kong Dollar equivalent (“Designated Currency Exchange Amount”) under the sole or joint personal integrated account (“Offer 2 Eligible Account”) of the bank via designated transaction channels of the Bank (including Hang Seng Personal e-Banking, Hang Seng Personal Banking Mobile Application, Phone banking hotlines or branches) (“Offer 2 Designated Transaction Channels”) during the Transaction Time of the Promotion Period; and
    2. Set up a 1-week time deposit of the relevant currency via the same channel at the same time.
  3. For transaction via Hang Seng e-Banking or Hang Seng Personal Banking Mobile Application, customer must perform exchange of Designated Currency via “Foreign Exchange” > “Foreign Exchange Service”. And after the transaction completed, customer must click “Set up time deposit” instruction on the top of the Acknowledgement Page to set up a 1-week time deposit to enjoy this promotion.
  4. This promotion is not applicable to transaction via FX Order Watch and FX transaction via HARO in Hang Seng e-Banking or Hang Seng Personal Banking Mobile Application.
  5. Any transaction which does not meet the Designated Currency Exchange Amount requirement, or customer does not set up a 1-week time deposit immediately after the currency exchange will not be eligible for this promotion.
  6. Each Offer 2 Eligible Customer can enjoy this promotion more than once during the Promotion Period.
  7. This promotion is not applicable to the renewal of time deposit and cannot be used in conjunction with other interest rate or exchange rate offers for the same currency.
  8. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate of this promotion at any time.