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 1 October 2022 to 31 December 2022 ("Promotion Period"),
you can enjoy the following fabulous offers by conducting FX transactions via designated channels:

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Offer 1: 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 transaction3 to exchange for any designated currency with at least HKD10,000 and capped at HKD2,000,000 or its equivalent4,5 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 time2 during the Promotion Period.


Designated
Currency
CNY
GBP
CAD
AUD
NZD
USD
HKD
1-week Time Deposit Interest Rate (p.a.)
Signature /
Prestige Banking
Preferred
Banking
Integrated
Account
13% 13% 11%
12% 11% 10%
11% 10% 9%
11% 10% 9%
11% 10% 9%
10% 9% 8%
6% 5% 4%

*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.

icon 02
Offer 2: 15% FX Spread Discount Offer6

You can enjoy a 15% FX spread discount6 upon completing a single FX transaction9 to exchange for any of the 11 currencies8 with at least HKD50,000 or its equivalent5 via Hang Seng Personal e-Banking or Hang Seng Personal Mobile App within the designated transaction time7 during the Promotion Period.

In addition, you can enjoy special offer for CNY exchange now, please click here for details.


Illustrative example for currency exchange under discount offer

Illustrative Example HKD required for an exchange of GBP100,000
Original GBP/HKD exchange rate: 9.68649* HKD968,649
GBP/HKD exchange rate after 15% discount: 9.68184* HKD968,184
Total Saving HKD465

*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.

How to enjoy the fabulous offers above via exchanging currency
and setting up time deposit at the same time online?
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 "15% FX Spread Discount 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.
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"


*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 13% p.a." offer.
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 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 "15% FX Spread Discount 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.
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"


*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 13% p.a." offer.
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 30 September 2022 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
  2. Designated transaction time applicable to Offer 1:
    Designated Transaction Channel Transaction Time
    • Hang Seng Personal e-Banking
    • Hang Seng Personal Mobile App
    • Monday to Fridays: 08:00am to 07:55pm
    (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
    • Monday to Fridays: 09:00am to 07:00pm
    • Saturdays: 09:00am 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 .
  3. Not applicable to the pending and the renewal of time deposit and the transaction(s) via FX Order Watch Service, Currency Switching Service, Virtual Assistant HARO services and Passbook Savings Account.
  4. 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.
  5. 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.
  6. This offer refers to reduction of 15% on sales margin normally charged for FX transaction by the Bank. Other mark-up applied to the exchange rate for operational reasons will not be waived. Applicable to customers who hold valid Signature, Prestige Banking, Preferred Banking or Integrated Account (“Eligible Customer(s)”). When an Eligible Customer conducts an Eligible Transaction, the discount will be automatically applied as the exchange rate upfront. 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.
  7. Designated transaction time applicable to Offer 2:
    Account Type Exchange currency Transaction Time
    Foreign Currency Statement Savings USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD, CNY
    • From Mondays 06:00am to Saturdays 03:30am
    • Saturdays: 08:00am to 12:55pm
    (Not applicable to non-transaction time, Sundays, Hong Kong public holidays, from 00:00am to 06:00am on the day following New Year’s Day, and from 00:00am to 06:00am on specific US holidays (Martin Luther King, Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day and Thanksgiving Day))
    THB, ZAR
    • Monday to Fridays: 08:00am to 09:00pm
    • Saturdays: 08:00am to 12:55pm
    (Not applicable to non-transaction time, Sundays and Hong Kong public holidays)
    Foreign Currency Passbook Savings USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD, CNY, THB, ZAR
    • Monday to Fridays: 08:00am to 06:55pm
    • Saturdays: 08:00am to 12:55pm
    (Not applicable to non-transaction time, Sundays and Hong Kong public holidays)
  8. Applicable to 11 currencies, including HKD, AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD and ZAR.
  9. Not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, Currency Switching Service and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).
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.