網上兌換外幣
Exchange Currencies Online
no1Logon to Hang Seng Personal e-Banking
no2Please click "Foreign Exchange" > "Foreign Exchange Service"
Enjoy our fabulous offers to grasp FX opportunities

Want to buy a foreign currency in advance at an attractive exchange rate?
Hang Seng Foreign Exchange Service can help you grasp FX opportunities and earn extra interest.
From now to 31 March 2023 ("Promotion Period"),
you can enjoy the following fabulous offers by conducting FX transactions via designated channels:

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Offer 1: Exchange Currencies at Bank’s Cost Price1

Eligible customer2 can enjoy Bank’s Cost Price1 upon conducting a single FX transaction3 with at least HKD50,000 or its equivalent4 via Hang Seng Personal e-Banking, Hang Seng Personal Mobile App, phone banking hotline or branch during the designated FX transaction period2.

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Offer 2: Foreign Currency Time Deposit Interest Rate of up to 13.9% p.a.5

Customer can enjoy the following interest rate offer5 upon completing a single FX transaction7 to exchange for any designated currency with at least HKD10,000 or its equivalent4,8 and setting up a 1-week time deposit in the same currency at the same time via Hang Seng Personal e-Banking, Hang Seng Personal Mobile App, phone banking hotline or branch within the designated transaction time6 during the Promotion Period.


Designated
Currency
GBP
CAD
AUD
NZD
CNY
USD
HKD
1-week Time Deposit Interest Rate (p.a.)
Signature /
Prestige Banking
Preferred Banking /
Integrated Account
13.90% 13.00%
13.90% 13.00%
13.90% 13.00%
13.90% 13.00%
10.90% 10.00%
10.90% 10.00%
10.90% 10.00%

*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.

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Tips for FX Offers

Example for exchanging HKD to GBP100,000
Bank’s Cost Price Offer
Original bank sell rate of GBP/HKD: 9.53112*
Bank sell rate of GBP/HKD at Bank's Cost Price: 9.50012* Required amount is reduced from
HKD953,112 to HKD950,012
Total saving = HKD3,100
Foreign Currency Time Deposit Offer
Set up 1-week time deposit of GBP at the same time,
interest rate is 13.9% p.a.^
Bank buy rate of GBP/HKD: 9.41961*
Interest Earned = GBP266,
which is HKD2,505
*The exchange rates as shown on the illustration above are indicative and for reference only. You may check on the latest bank sell rate and bank buy rate by the time when conducting the related transaction.
^The example is based on the 1-week GBP time deposit interest rate of Signature/Prestige Banking customers and is for reference only. The interest rate is subject to revision based on the prevailing market conditions.
Example for exchanging HKD to GBP100,000
Foreign Currency Time Deposit Offer
Exchange and set up 1-week time deposit of GBP at the same time:
interest rate is 13.9% p.a.^
Bank buy rate of GBP/HKD: 9.41961*
Interest Earned = GBP266,
which is HKD2,505
*The exchange rates as shown on the illustration above are indicative and for reference only. You may check on the latest exchange rate by the time when conducting the related transaction.
^The example is based on the 1-week GBP time deposit interest rate of Signature/Prestige Banking customers and is for reference only. The interest rate is subject to revision based on the prevailing market conditions.
Guide for Online Foreign Exchange
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
  • Check if the exchange rate is the discounted exchange rate*
  • Select "Now" from the field of "Execution date" and click "Next"


*If customer is eligible for the "Bank’s Cost Price" offer, the discount will be automatically applied as the exchange rate upfront and customer will instantly know the amount he/she could save/get extra. The actual exchange rate should be based on the exchange rate shown on "Verify Instruction" Page.
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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"


*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 13.9% p.a." offer.
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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
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Step 1
  • Log on to Hang Seng Personal 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
  • Check if the exchange rate is the discounted exchange rate*
  • Select "Now" from the field of "Execution date" and click "Next"


*If customer is eligible for the "Bank’s Cost Price" offer, the discount will be automatically applied as the exchange rate upfront and customer will instantly know the amount he/she could save/get extra. The actual exchange rate should be based on the exchange rate shown on "Verify Instruction" Page.
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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"


*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 13.9% p.a." offer.
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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
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Notes:

  1. "Bank’s Cost Price" refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. This offer is subject to review according to fluctuations on market interest rates, currency rates, customers’ trading patterns and other factors from time to time. The Bank reserves the right to change the interest rate of this offer at any time without prior notice. In case of disputes, the decision of the Bank on the customer’s eligibility to enjoy this offer shall be final.
  2. Eligible Customers and the designated FX transaction period applicable to Offer 1:
    Offer 1 Eligible Customers Designated FX transaction period
    Group 1: New Customers
    Personal customers who successfully open a new Signature, Prestige Banking or Preferred Banking Account in Promotion Period; and have never held any banking account of the Bank in the 12 months immediately preceding the account opening month
    From the 7th working day following the successful account opening date to 30 April 2023
    Group 2: New FX Customers
    Personal customers who have never made any foreign exchange transactions with the Bank from 1 January 2022 to 31 December 2022; and have been maintaining a valid Signature, Prestige Banking or Preferred Banking* Account since 2022 up to and including the Promotion Period
    From 16 January 2023 to 30 April 2023
    Remark*: For Preferred Banking customer, his/her Total Relationship Balance of December 2022 must be at least HKD50,000 or its equivalent to be eligible for this offer.
  3. Applicable currencies include USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, THB, ZAR and SGD, whereas SGD exchange service is available in branch only. Not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, foreign exchange transaction(s) via Passbook Savings Account and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).
  4. For any cross currency exchange, the relevant amount will be converted into the Hong Kong Dollar equivalent with the exchange rate solely determined by the Bank on the transaction day, so as to calculate the relevant transaction amount in the Hong Kong Dollar equivalent.
  5. 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 3 January 2023 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
  6. Designated transaction time applicable to Offer 2:
    Transaction Channel Transaction Time
    • Hang Seng Personal e-Banking
    • Hang Seng Personal Mobile App
    • Mondays to Fridays: 8:00am to 7:55pm
    (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
    • Signature
      (852)29988022
    • Prestige Banking
      (852)29989188
    • Preferred Banking
      (852)28228228
    • Integrated Accounts
      (852) 28228233
    • Mondays to Fridays: 9:00am to 7:00pm
    • Saturdays: 9:00am to 12:55pm
    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.
  7. Not applicable to the pending and the renewal of time deposit and the transaction(s) via FX Order Watch Service, Virtual Assistant HARO services and Passbook Savings Account.
  8. The exchange amount cap of a single FX transaction is HKD2,000,000 or its equivalent. 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.
Enquiry Hotlines
Signature Prestige Banking Preferred Banking Integrated Account
29988022 29989188 28228228 28228233
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:
  1. In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
  2. If you are in doubt of the marketing and promotional activities and materials of the Bank, please call customer service enquiry hotline for authentication.
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.