Whether you are exchanging currencies for traveling, preparing
your family and yourself to study, staying or visiting your
relatives overseas, or leveraging FX as an investment tool for
steady interest earnings , Hang Seng Foreign Exchange Service can
cater to your different FX needs along with the following fabulous
offers:
From now until 31 December 2023, you can enjoy foreign currency time
deposit interest rate of up to 13.9%1 p.a. by
conducting FX transactions via designated channels! The promotion included 1-week JPY and EUR time deposit, which provides an interest rate of up to 6.9%1
p.a.!
You can enjoy an additional 30% FX Spread Discount by utilizing Hang Seng Credit Card to plan your travels

Want to exchange currencies swiftly and effortlessly when you are already busy planning your trip? Hang Seng offers 24/7 online foreign exchange service@, which saves you from the hassle of scouring exchange stores! And we are now promoting a 1-week foreign currency time deposit offer, allowing you to earn more from FX to support your trip!

The add on 1-week JPY and EUR time deposit offer with an interest rate of up to 6.9%1 p.a., which helps you to earn extra interest to fund your travel spending

Covers up to 12 foreign currencies in popular travel regions# to match your destination

Schedule FX Order Watch^ flexibly to convert funds automatically once your target rate is reached, so you can secure your desired rate at ease

Hang Seng FX ATM service sites are available throughout Hong Kong, you can reach out to a nearby FX ATMFX ATMFX ATM at any time to exchange or withdraw foreign currency&. Get your travel expenses ready with our seamless online-to-offline experience
@ 24/7 online foreign currency exchange service is available via Hang Seng Mobile App and Hang Seng Personal e-Banking (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances).The foreign currency time deposit offer stated in this page is only applicable to designated transaction time2. # FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. & Up to 12 currencies applicable, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD, SGD, KRW and TWD.

Preparing to send your children to study abroad or planning to settle down oversea? Hang Seng foreign currency service can fulfil your needs on overseas transfers. We are now having a foreign currency time deposit offer, as short as 1 week, which can help you to plan ahead for living abroad!

Covers up to 12 foreign currencies# to meet your various needs

Pre-set target exchange rate through FX Order Watch^ to convert funds automatically once your intended rate is reached, so you can grow your FX savings at a desired rate

Our reliable remittance services are supported with "Track My Remittance"+ function to help you closely monitor the progress of your outward remittances
# FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. + Track My Remittance can trace the progress of outward remittances to overseas (except for 1. remittance to Hang Seng China; and 2. remittance to Mainland China in RMB) which are pending to be effected / already affected by intermediary banks and payee banks. Please refer to Terms and ConditionsTerms and ConditionsTerms and Conditions for Notes for Use of Track My Remittance Service.

Want to have a relatively stable interest return without limiting yourself to HKD time deposit? Invest and earn interest with Hang Seng foreign currency time deposit! Hang Seng offers 24/7 online foreign exchange service@, which allows you to keep track of the latest currency movements and seize FX opportunities.

To capture market potential, just specify the exchange rate you aim for by FX Order Watch^, you will receive alerts and convert funds automatically once your target rate is reached

Provide real-time market news and commentary to help you closely monitor market insights

Rate charts of major currencies are available for you to observe FX trends thoroughly

Virtual Assistant H A R O% can answer your rate enquiries and execute FX orders instantly to avoid missing out the valuable chances
@ 24/7 online foreign currency exchange service is available via Hang Seng Mobile App and Hang Seng Personal e-Banking (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances).The foreign currency time deposit offer stated in this page is only applicable to designated transaction time2. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. % Terms and conditions apply.
Want to exchange currencies swiftly and effortlessly when you are already busy planning your trip? Hang Seng offers 24/7 online foreign exchange service@, which saves you from the hassle of scouring exchange stores! And we are now promoting a 1-week foreign currency time deposit offer, allowing you to earn more from FX to support your trip!

The add on 1-week JPY and EUR time deposit offer with an interest rate of up to 6.9%1 p.a., which helps you to earn extra interest to fund your travel spending

Covers up to 12 foreign currencies in popular travel regions# to match your destination

Schedule FX Order Watch^ flexibly to convert funds automatically once your target rate is reached, so you can secure your desired rate at ease

Hang Seng FX ATM service sites are available throughout Hong Kong, you can reach out to a nearby FX ATMFX ATMFX ATM at any time to exchange or withdraw foreign currency&. Get your travel expenses ready with our seamless online-to-offline experience
@ 24/7 online foreign currency exchange service is available via Hang Seng Mobile App and Hang Seng Personal e-Banking (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances).The foreign currency time deposit offer stated in this page is only applicable to designated transaction time2. # FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. & Up to 12 currencies applicable, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD, SGD, KRW and TWD.
Preparing to send your children to study abroad or planning to settle down oversea? Hang Seng foreign currency service can fulfil your needs on overseas transfers. We are now having a foreign currency time deposit offer, as short as 1 week, which can help you to plan ahead for living abroad!

Covers up to 12 foreign currencies# to meet your various needs

Pre-set target exchange rate through FX Order Watch^ to convert funds automatically once your intended rate is reached, so you can grow your FX savings at a desired rate

Our reliable remittance services are supported with "Track My Remittance"+ function to help you closely monitor the progress of your outward remittances
# FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. + Track My Remittance can trace the progress of outward remittances to overseas (except for 1. remittance to Hang Seng China; and 2. remittance to Mainland China in RMB) which are pending to be effected / already affected by intermediary banks and payee banks. Please refer to Terms and ConditionsTerms and ConditionsTerms and Conditions for Notes for Use of Track My Remittance Service.
Want to have a relatively stable interest return without limiting yourself to HKD time deposit? Invest and earn interest with Hang Seng foreign currency time deposit! Hang Seng offers 24/7 online foreign exchange service@, which allows you to keep track of the latest currency movements and seize FX opportunities.

To capture market potential, just specify the exchange rate you aim for by FX Order Watch^, you will receive alerts and convert funds automatically once your target rate is reached

Provide real-time market news and commentary to help you closely monitor market insights

Rate charts of major currencies are available for you to observe FX trends thoroughly

Virtual Assistant H A R O% can answer your rate enquiries and execute FX orders instantly to avoid missing out the valuable chances
@ 24/7 online foreign currency exchange service is available via Hang Seng Mobile App and Hang Seng Personal e-Banking (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances).The foreign currency time deposit offer stated in this page is only applicable to designated transaction time2. ^ Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page. % Terms and conditions apply.
From 2 October 2023 to 31 December 2023, customer can enjoy the
following interest rate offer1 upon completing a single
FX transaction3 to exchange for any designated currency
with at least HKD10,000 or its equivalent4,5 and
setting up a 1-week or 1-month time deposit in the same currency
at the same time via
Hang Seng Mobile App, Hang Seng Personal e-Banking,
phone banking hotline or branch
within the designated transaction time2.
Time Deposit Interest Rate (p.a.) | |||
---|---|---|---|
Tenor | 1-week | 1-month | |
CAD | 13.90% | 5.30% | |
CNY | 13.90% | 4.30% | |
GBP | 13.90% | 4.30% | |
AUD | 13.90% | 4.30% | |
NZD | 13.90% | 4.30% | |
USD | 10.90% | 5.30% | |
HKD | 10.90% | - | |
JPY | 6.90% | - | |
EUR | 6.90% | - |
Time Deposit Interest Rate (p.a.) | |||
---|---|---|---|
Tenor | 1-week | 1-month | |
CAD | 13.00% | 4.90% | |
CNY | 13.00% | 3.90% | |
GBP | 13.00% | 3.90% | |
AUD | 13.00% | 3.90% | |
NZD | 13.00% | 3.90% | |
USD | 10.00% | 4.90% | |
HKD | 10.00% | - | |
JPY | 6.00% | - | |
EUR | 6.00% | - |
A Prestige main account can come with multiple Family+ Accounts6 for better organisation of your family finances. Your family wealth management is made easy as you can name different accounts to, say, meet the need for saving foreign currency funds ahead of an overseas travel or study plan.

Notes:
- For exchange of designated currencies and set up of either a 1-week or 1-month time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 October 2023 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
-
Designated transaction time:
Transaction Channel Transaction Time - Hang Seng Personal e-Banking
- Hang Seng Mobile App
- Mondays to Fridays: 8:00am to 7:55pm
Phone banking hotlines -
Prestige Private
(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. - 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.
- 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.
- The exchange amount cap of a single FX transaction is USD2,000,000 or its equivalent. If the actual transaction amount exceeds the exchange amount cap, the time deposit board rate of corresponding tenor will be offered to the actual transaction amount.
- Each customer is allowed to open up to 8 Family+ Accounts.
Prestige Private | Prestige Banking | Preferred Banking | Integrated Account |
---|---|---|---|
29988022 | 29989188 | 28228228 | 28228233 |
Prestige Private 29988022 |
Prestige Banking 29989188 |
---|---|
Preferred Banking 28228228 |
Integrated Account 28228233 |
- In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
- If you are in doubt of the marketing and promotional activities and materials of the Bank, please call customer service enquiry hotline for authentication.
To borrow or not to borrow? Borrow only if you can repay!