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Enjoy up to 25% FX Spread Discount, HKD6,888 cash reward and a chance to win HKD100,000 cash prize by enrolling FX+!
Hang Seng FX+ is a privilege programme designed for our Prestige Private and Prestige customers, offering tiered rewards based on your cumulative FX transaction amount. The more you transact, the more rewards you can enjoy!
Join FX+ ! Start accumulating your exchange amounts to get up to 25% instant, unlimited FX spread discounts[1] and up to HKD6,888 cash reward[2]. You can also enter our lucky draw[2] for a chance to win HKD100,000 cash prize, with over 100 prizes available.
Once your accumulated amount[4] reaches the required FX+ level[3], you can unlock:
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.
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(s) |
Level 1 100,000 to < 500,000 |
- | - | 1 |
Level 2 500,000 to < 2,000,000 |
15% | - | 2 |
Level 3 2,000,000 to < 5,000,000 |
18% | - | 2 |
Level 4 5,000,000 to < 20,000,000 |
20% | HKD2,888 | 2 |
Level 5 ≥ 20,000,000 |
25% | HKD6,888 | 2 |
* Please download Hang Seng Mobile App or update to the latest version.
FX+ is only available to Prestige Private and Prestige Banking customers and doesn’t apply to corporate accounts and customers who hold Private Banking accounts (even if they may also hold a Prestige Private or Prestige Banking account). To learn more, please visit Prestige Privateor Prestige Banking.
Please note, you can only enrol in Hong Kong by using Hang Seng Mobile App, Phone banking, or visiting our branches.
You can only apply 1 discount to each transaction. To ensure you get the best value, you can only use an FX coupon if its discount is the same as, or better than, your FX+ spread discount.
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) | Count towards accumulated amount? | Eligible for FX+ spread discount? |
|---|---|---|---|
|
|
Yes |
Yes |
|
|
Yes |
No |
Other exchange services, including but not limited to:
|
|
No |
No |
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The promotion period for FX+ is from 1 Jul 2026 to 31 Dec 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"), cash rewards and chance(s) to enter a lucky draw on eligible transactions.
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.