網上兌換外幣
Exchange Currencies Online
no1Logon to Hang Seng Personal e-Banking
no2Please click "Foreign Exchange" > "Foreign Exchange Service"
Hang Seng FX and Remittance Offers

網上兌換外幣

From now to 30 June 2022 (“Promotion Period”), you can enjoy the following offers for conducting FX or remittance transaction via designated channels:

Offer 1
icon 01
Foreign Currency Time Deposit
Interest Rate of up to 13% p.a.1

You can enjoy the following interest rate offer1 upon completing a single FX transaction to exchange for any designated currency with at least HKD10,000 and capped at HKD2,000,000 or its equivalent2 and setting up a 1-week time deposit in the same currency at the same time via Hang Seng Personal e-banking3, Hang Seng Mobile App3, phone banking hotline or branch during the valid transaction time4 within the Promotion Period.


Designated
Currency
CNY
CAD
GBP
AUD
NZD
USD
HKD
1-week Time Deposit Interest Rate (p.a.)1
Signature Prestige
Banking
Preferred
Banking
Integrated
Account
13.0% 13.0% 13.0% 11.0%
12.0% 12.0% 11.0% 10.0%
12.0% 12.0% 11.0% 10.0%
10.0% 9.8% 9.5% 9.0%
10.0% 9.8% 9.5% 9.0%
8.5% 8.3% 8.0% 7.5%
5.5% 5.3% 5.0% 4.5%

*Please click on the control bar and scroll left and right for the interest rate details of respective account types.

The above interest rates are for reference only and subject to revision based on the prevailing market conditions.
Please call our phone banking hotline or contact our branch staff for the latest interest rates for this offer.

Offer 2
icon 02
Remittance Fee Waiver5
for Designated Outward Remittance

You can enjoy a remittance fee waiver5 upon successfully setting up and completing a designated outward remittance instruction6 with an amount of at least HKD100,000 or its equivalent (“Eligible Transaction”) via Hang Seng Personal e-Banking during the Promotion Period.


Transaction channel, designated outward remittance instruction and service fee waiver applicable to the Eligible Transaction


Transaction channel Designated outward remittance instruction Service fee waiver
Hang Seng Personal
e-Banking
Remittances to beneficiary accounts in all countries HKD65

Note: Charges out of scope of designated outward remittance fee, and charges levied by the beneficiary bank in connection with the Eligible Transaction will not be waived. Please refer to the Bank’s Tariff Guide for Hang Seng Wealth and Personal Banking Customers for details of service fees for outward remittances.

How to exchange currencies and
set up a time deposit online at the same time?
icon_Star
Step 1
  • Log on to Hang Seng Personal e-Banking > Select "Foreign Exchange" > "Foreign Exchange Service"
  • Choose any currency from the field of "From" and choose a designated currency (AUD, CAD, CNY, GBP, NZD, USD or HKD) from the field of "To"
  • Select the relevant Sole / Joint Integrated Account
  • Input the respective Designated Exchange Amount
  • Select "Now" from the field of "Execution date" and click "Next"


Note:
The promotion period of "1-week Time Deposit Interest Rate of Up to 13% p.a. for Exchange of Designated Currencies Online" is from now to 30 Jun 2022 (both dates inclusive), and Designated Transaction Time is 8:00am to 7:55pm, Mondays to Fridays (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays and holidays of the country or region where the currency is issued).
step_01
Step 2
  • The instruction for Time Deposit Set Up will be shown above the transaction details on the "Acknowledgement" Page
  • Please click "Set up time deposit"
step_02
Step 3
  • Select "1 Week" from "Deposit Term"
  • Verify the "Principal" amount (Principal amount should be within the limit of respective Designated Exchange Amount)
  • Please select the "Maturity Instruction" and click "Next"
  • Verify details and click "Confirm" to complete the relevant Time Deposit transaction
step_03
Step 1
  • Log on to Hang Seng Mobile App > Select "Foreign Exchange" > "Foreign Exchange Service"
  • Choose any currency from the field of "From" and choose a designated currency (AUD, CAD, CNY, GBP, NZD, USD or HKD) from the field of "To"
  • Select the relevant Sole / Joint Integrated Account
  • Input the respective Designated Exchange Amount
  • Select "Now" from the field of "Execution date" and click "Next"


Note:
The promotion period of "1-week Time Deposit Interest Rate of Up to 13% p.a. for Exchange of Designated Currencies Online" is from now to 30 Jun 2022 (both dates inclusive), and Designated Transaction Time is 8:00am to 7:55pm, Mondays to Fridays (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays and holidays of the country or region where the currency is issued).
step_01
Step 2
  • The instruction for Time Deposit Set Up will be shown above the transaction details on the "Acknowledgement" Page
  • Please click "Set up time deposit"
step_02
Step 3
  • Select "1 Week" from "Deposit Term"
  • Verify the "Principal Amount" (Principal amount should be within the limit of respective Designated Exchange Amount)
  • Select "Now" from the field of "Deposit Date"
  • Select the "Maturity Instruction" and click "Next"
  • Verify details and click "Confirm" to complete the relevant Time Deposit transaction
step_03

Notes:

  1. For exchange of designated currencies and set up of 1-week time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 5 May 2022 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
  2. If the actual transaction amount exceeds the exchange amount cap, the 1-week time deposit board rate will be offered to the actual transaction amount.
  3. Except FX transactions via FX Order Watch, Currency Switching, HARO Services and Passbook Saving Account.
  4. Valid transaction time applicable to Offer 1:
    Designated Transaction Channel Transaction Time
    • Hang Seng Personal e-Banking
    • Hang Seng Mobile App
    8:00am to 7:55pm, Mondays to Fridays
    (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays and holidays of the country or region where the currency is issued)
    Phone banking hotlines 9:00am to 7:00pm, Mondays to Fridays
    9:00am to 12:55pm, Saturdays
    Branches In light of the latest COVID-19 situation, service hours may change depending on the situation. For details, please refer to Hang Seng Bank Branch Service Arrangements.
  5. Charges out of scope of designated outward remittance fee, and charges levied by the beneficiary bank in connection with the Eligible Transaction will not be waived. Please refer to the Bank’s Tariff Guide for Hang Seng Wealth and Personal Banking Customers for details of service fees for outward remittances.
  6. Not applicable to local interbank transfers via the Clearing House Automated Transfer System (i.e. CHATS), the Faster Payment System (“FPS”) and other local transfer channels.
Enquiry Hotlines
Signature
29988022
Prestige Banking
29989188
Preferred Banking
28228228
Integrated Account
28228233
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 Currency 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.

Note:In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.

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 Currency 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.