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    Hang Seng FX+

    FX involves risk. Terms and Conditions apply.

    Overview

    Enrol in FX+ and start accumulating designated exchange amounts to enjoy up to 25% unlimited instant FX spread discounts[4] and HKD6,888 cash reward[5]. You'll also get a chance to win the HKD128,888 cash prize in a lucky draw[5] !

    This programme is exclusive to Prestige Private customers.

    Why enrol in FX+?

    Once your accumulated amount reaches the required FX+ level, you can unlock:

    • Unlimited instant FX spread discounts[2] of up to 25% per transaction
    • Up to HKD6,888 cash reward[3]
    • A chance to win the HKD128,888 cash prize in our lucky draw[3]

    Simply log on to Hang Seng Mobile App to keep track of your accumulated amount, FX+ level and exclusive rewards for the current level.

    In addition to rewards from FX+, you can continue to enjoy other foreign exchange offers, such as preferential interest for foreign currency time deposits.

    How it works?

    Enrol in FX+ via Hang Seng Mobile App

    Step 1
    Log on to Hang Seng Mobile App, go to Left menu, tap "Foreign Exchange" > "Foreign Exchange Service".
    Tap "Learn more" in the banner to find out more about FX+.

    Every eligible foreign exchange transaction during the promotion period you make will be counted toward your accumulated amount. Once the amount reaches the next FX+ level, you’ll unlock a better FX spread discount and rewards.

      Instant After promotion period
    FX+ Level / Accumulated amount (HKD) FX+ spread discount FX+ cash reward FX+ lucky draw chance

    Level 1

    100,000 to < 2,500,000

    		 - -

    Yes

    Level 2

    2,500,000 to < 5,000,000

    		 10% HKD688 Yes

    Level 3

    5,000,000
to < 20,000,000

    		 15% HKD1,288 Yes

    Level 4

    ≥ 20,000,000

    		 25% HKD6,888 Yes
    Step 1
    Log on to Hang Seng Mobile App, go to Left menu, tap "Foreign Exchange" > "Foreign Exchange Service".

    * Please download Hang Seng Mobile App or update to the latest version.

    FAQs

    Popular questions

    Currently, FX+ is only available to Prestige Private customers, which requires maintaining a Total Relationship Balance of at least HKD8,000,000. To learn more, please visit Prestige Private.

    Please note, you can only enrol in Hong Kong by using Hang Seng Mobile App or visiting our branches.

    Yes, you can. However, the Eligible Transactions will be counted toward the accumulated amount of the person who submitted the instruction. They won't be double-counted in the accumulated amounts of the other joint-named account holders.

    Types of transactions and services Channel(s) Counted toward accumulated amount? Eligible for FX+ spread discount?
    • Self-name exchange transactions (excluding forward-dated transfer instructions)
    • Exchange transactions to third-party personal accounts within Hang Seng (excluding forward-dated transfer instructions)
    • Payment Connect transaction involving exchanges
    • Personal e-Banking
    • Hang Seng Mobile App
    • Our branches in Hong Kong
    • Phone banking (manned hotline only)

    Yes

    Yes
    • Exchange transactions with special offer provided by our staff
    • Our branches in Hong Kong
    • Phone banking (manned hotline only)

    Yes

    No

    Other exchange services, including but not limited to:

    • Inward and outward remittance (e.g. Overseas Transfer and Global Money+)
    • Notes exchange, deposit and withdrawal
    • FX Order Watch
    • FPS x PromptPay QR Payment (Thailand)
    • Paper Gold and FX investment (e.g. FX2, MaxiInterest Deposits, Capital Protected Investment Deposit, FX and Precious Metal Margin Trading 101)
    • Multi-Currency Debit Mastercard® spending and withdrawal
    • Personal e-Banking
    • Hang Seng Mobile App
    • Our branches in Hong Kong
    • Phone banking (manned hotline only)
    • Foreign currency ATM
    • Debit card spending

    No

    No

    Hang Seng Personal Banking

    Manage your wealth anytime with mobile banking

    Useful information

    Need help?

    Call us

    Prestige Private 24-hour Manned Hotline

    (852) 2998 8022

    Visit our branches

    Find your nearest branch

    Footnote

    Remark(s)

    1. The promotion period for FX+ is from 1 Sep 2025 to 28 Feb 2026 (including both days) ("promotion period"). Once enrolled in FX+ and upon reaching a certain level, eligible customer(s) can enjoy a foreign exchange spread discount ("FX spread discount”) and/or cash rewards and a chance to enter a lucky draw on Eligible Transactions.
    2. The FX+ levels depend on the total accumulated amount of all Eligible Transactions during the Promotion Period.
    3. Accumulated amount is the total of the Eligible Transactions you made during the Promotion Period via Personal e-Banking, Hang Seng Mobile App, Phone banking (manned hotline only) and at our branches. 
    4. 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.
    5. Cash rewards and lucky draw entries don't accumulate as you move up the levels. You will get respective rewards based on the level you achieve by the end of the Promotion Period.

    Risk Disclosure(s)

    1. RMB Currency Risk

      Renminbi ("RMB") is subject to exchange rate risk. Fluctuations 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.

    2. Foreign Currency Risk
      Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.