You can only exchange foreign currency if your instruction is completed through Personal e-Banking¹ or at a branch.

If you're completing the instruction through Hang Seng Mobile App, please log on and go to left menu > "Foreign Exchange" > "Foreign Exchange Service" to exchange foreign currency in advance.

To make a local foreign currency transfer to this payee, you'll need to re-register them in Personal e-Banking. Please follow the steps below:

• Log on to Personal e-Banking and tap "Transfer & Pay" > "Limit / Payee Settings" > "Payee Maintenance" > "Cross-border / overseas transfer accounts" > Re-enter the payee's details for re-registration

You'll be notified via SMS, email and/or push notification (if enabled) when we debit funds from your account.

You can make local foreign currency transfers using any of these methods:

1. Hang Seng Mobile App
2. Personal e-Banking
3. Visit any of our branches
4. Phone Banking

The local transfer fee for transferring to other bank accounts in Hong Kong via Hang Seng Mobile App and Personal e-Banking is waived. The currencies include AUD, CAD, CHF, CNY, EUR, GBP, JPY, NZD, SGD, THB, USD and ZAR.

There's a fee of HKD190 (or its equivalent) for each local foreign currency transfer made through other channels, such as our branches or Phone Banking. For details, please refer to Banking Services Fees and Charges.

The local transfer fees is waived when you transfer foreign currencies to other designated local bank accounts via CHATS or SWIFT using Hang Seng Mobile App or Personal e-Banking.

Please note that the beneficiary and/or correspondent banks may still charge a service charge, which could be deducted from the transfer amount.

For local foreign currency transfers, if the beneficiary bank is a registered direct participant of local clearing in Hong Kong, we may choose to transfer by CHATS. Please note that the beneficiary bank may impose a service charge to the payee, and deduct additional fees from the transfer amount. For details, please check with the beneficiary banks.

For transfers via SWIFT though this transfer service, some beneficiary and/or correspondent banks may deduct additional fees from the transfer amount. For details, please check with the beneficiary and/or correspondent banks.

You can receive 12 foreign currencies directly into your bank account using the following transfer methods:

You should use your Hang Seng Integrated account, here are the benefits:

• You won't have to pay a handling fee for the transfers
• When the money arrives, we'll deposit it into the relevant currency savings account. If you don't have one, we'll open it for you automatically
• After receiving the foreign currencies, you can set up a time deposit and enjoy our foreign currency time deposit rates

Please note:

• To avoid your money being automatically converted to HKD, make sure the payer transfer the money to your Integrated Account
• If you receive a foreign currency we don't support, it'll be converted to HKD using prevailing exchange rate