網上兌換外幣
Exchange Currencies Online
no1Logon to Hang Seng Personal e-Banking
no2Please click "Foreign Exchange" > "Foreign Exchange Service"
Exchange foreign currency and earn interest to meet your different needs

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 29 June 2024, you can enjoy 1-week / 1-month foreign currency time deposit interest rate of up to 13.9% p.a. / 6.9% p.a.1 respectively by conducting FX transaction(s)!

Exchange foreign currency before traveling

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!


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.

Plan to study abroad or immigrate

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, which can help you to plan ahead for living abroad!


1-month time deposit offer with an interest rate of up to 6.9% p.a.1, which helps you to earn interest to fund the overseas study and investment costs


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.

Seek for investment tool with relatively steady earning

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


1-month time deposit offer with an interest rate of up to 6.9% p.a.1, which helps you to earn stable interest return


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!


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, which can help you to plan ahead for living abroad!


1-month time deposit offer with an interest rate of up to 6.9% p.a.1, which helps you to earn interest to fund the overseas study and investment costs

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

1-month time deposit offer with an interest rate of up to 6.9% p.a.1, which helps you to earn stable interest return

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.

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Foreign Currency Time Deposit Interest Rate of up to 13.9% p.a.1


From now to 29 June 2024, 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
GBP 13.90% 6.90%
NZD 13.90% 6.90%
CAD 12.90% 6.90%
AUD 12.90% 5.90%
CNY 12.90% 4.30%
USD 8.90% 5.90%
HKD 8.90% -
JPY# 6.90% -
EUR# 6.90% -
#The promotion period of JPY and EUR 1-week time deposit is till 30 March 2024.
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.
Time Deposit Interest Rate (p.a.)
Tenor 1-week 1-month
GBP 13.00% 6.50%
NZD 13.00% 6.50%
CAD 12.00% 6.50%
AUD 12.00% 5.50%
CNY 12.00% 3.90%
USD 8.00% 5.50%
HKD 8.00% -
JPY# 6.00% -
EUR# 6.00% -
#The promotion period of JPY and EUR 1-week time deposit is till 30 March 2024.
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.
Guide for Online Foreign Exchange and Time Deposit Set Up
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, JPY 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"
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 13.9% p.a." offer.
step_02
Step 3
  • Select "1 Week" or "1 Month" 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, JPY 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"
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 13.9% p.a." offer.
step_02
Step 3
  • Select "1 Week" or "1 Month" 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

New Fund Foreign Currency Time Deposit Offer^

Deposit new funds in foreign currency for the online exclusive time deposit offer!


^Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.



Prestige with multiple Family+ Accounts

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.

More details about Prestige Banking account:
hangseng.com/pse/offer hangseng.com/pse/offer hangseng.com/pse/offer

Notes:

  1. 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 18 March 2024 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
  2. Designated transaction time:
    Transaction Channel Transaction Time
    • Hang Seng Personal e-Banking
    • Hang Seng Mobile App
    • Mondays to Fridays: 8:00am to 7:55pm
    (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays, holidays of the country or region where the currency is issued, and non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning)
    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 Please refer to Hang Seng Bank Branch Service Arrangements.
  3. Not applicable to the pending and the renewal of time deposit and is not applicable to transaction(s) via FX Order Watch Service, Virtual Assistant HARO services, notes exchange and Passbook Savings Account.
  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. 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.
  6. Each customer is allowed to open up to 8 Family+ Accounts.
Enquiry Hotlines
Prestige Private Prestige Banking Preferred Banking Integrated Account
29988022 29989188 28228228 28228233
Prestige Private
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.

Interest is calculated on the following year basis:
  • Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
  • Pound Sterling, Thailand Baht and South Africa Rand - 365 days,
  • Other currencies - 360 days.

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.