Notes:

1. Not applicable to the pending and the renewal of time deposit and is not applicable to transaction(s) via notes exchange, cash deposit, notes withdrawal, inward remittance, Overseas Transfer Service, Global Money⁺, FX Order Watch Service, Virtual Assistant H A R O Service, Passbook Savings Account, Voice Recording System and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s)
2. 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.
3. 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.
4. Designated transaction time:

   Transaction Channel	Transaction Time
   Hang Seng Personal e-Banking Hang Seng Mobile App	Mondays to Fridays: 8:00am to 8:30pm (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.

5. 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 28 September 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
6. This promotion is available to customers who hold sole or joint personal integrated accounts (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account), but does not apply to corporate accounts and customers who hold Private Banking accounts (even if they may also hold a Prestige Private, Prestige Banking, Preferred Banking or Integrated Account ).
7. This promotion only applies to Prestige Private and Prestige Banking customers, but does not apply to corporate accounts and customers who hold Private Banking accounts (even if they may also hold a Prestige Private or Prestige Banking account).
8. The FX spread discount refers to a reduction on the sales margin normally charged for Eligible Transactions by the bank. Other mark-ups applied to the exchange rate for operational reasons won't be reduced. When you make an Eligible Transaction, the FX spread discount will be automatically applied to the exchange rate spread upfront.
9. You will get respective rewards based on the level you achieve by the end of the Promotion Period. Cash rewards and lucky draw entries don't accumulate as you move up the levels. Visit hangseng.com/fx+ for details.
10. 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 time.
11. FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, CNY, EUR, GBP, JPY, NZD, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only.
12. Supports any pairs among 10 currencies, including AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page.
13. Up to 12 currencies applicable, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD, SGD, KRW and TWD.
14. Eligible spending with Multi-Currency Debit Mastercard and earn unlimited cash rebate: Earn 0.5% rebate with Prestige Debit Card and 0.4% rebate with Preferred Debit Card.
15. Promotion period of the offer is now till 31 Dec 2026. Terms and conditions apply, please visit Hang Seng Bank Website > "Personal" > "Cards" > "Card Products & Application" > "Multi-Currency Debit Card" for details.
16. 1. $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
    2. For Prestige Debit Card: when withdrawing cash overseas from non-HSBC Group ATM networks, local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HKD20 each time.
    3. For Preferred Debit Card: when withdrawing cash overseas from non-HSBC Group ATM networks, there is a charge of HKD40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HKD20 each time.
17. Assuming an online application of the Travelsure Protection Plan (Annual China Cover – Basic Plan) for an adult, the first-year premium is HKD787.2 and the average daily premium for a year is approximately HKD2.16 after a 20% discount. Please refer to hangseng.com/gi.
18. We’ll update the list of the designated countries or regions and local currency from time to time. Some countries / regions may have specific requirements for fee-free service. The actual fund arrival time depends on the processing time of the bank to which the payment is made or correspondent bank (if any). Please visit Hang Seng Bank Website > "Banking" > "Transfer & Payment Services" > "Overseas Transfer" for details.
19. Terms and conditions apply. For details, please refer to Important Notice for Hang Seng Virtual Assistant H A R O and H A R O WhatsApp Terms and Conditions.