Cross-Border Banking convenience

Cross-Border Banking convenience

Simplicity is essential in the pursuit of quality of life.
Hang Seng Bank is dedicated to making banking easy for you, from account opening to daily finances and capital allocation. You can manage your wealth with total ease and flexibility, anytime, anywhere at your convenience.

Prestige Banking monthly fee waiver

If you hold a Prestige Banking account in Hong Kong and fulfil the total relationship balance requirement, you can register for Hang Seng Greater China Prestige service to enjoy monthly fee waiver1 for your Prestige Banking Account in mainland China, and vice versa.


To register for Hang Seng Greater China Prestige and enjoy this privilege, simple contact your dedicated relationship manager, or call the 24-hour Prestige Banking mainland toll-free manned phone banking hotline2 at 4001 20 9188, or 24-hour Prestige manned phone banking hotline at +852 2998 9188.

Cross-Border service team

The cross-border service team is dedicated to supporting customers with cross-border needs, and provides Mandarin / Cantonese bilingual services at your preference.

Team of wealth management experts

Our versatile and professional team of wealth management experts is ready to provide you with financial planning services and explore customised solutions in order to achieve your unique aspirations.

Exclusive service hotline

Regardless of whether you are in Hong Kong or Mainland China, our 24-hour toll-free manned phone banking hotline is always ready to provide the information or assistance you need around the clock.

  • 852 2998 9188 (Hong Kong)
  • 4001 20 8282 (Mainland2)

You can register for “Cross-Border View and Transfer”4 in Hang Seng Personal e-Banking. After successful registration, you can check your account and submit transfer instruction between Hang Seng accounts in Hong Kong and Mainland China anytime, anywhere with ease. 

Cross-Border View

Just one convenient logon and you can check the balances of both of your self-named accounts5 in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal  e-Banking, Hang Seng Personal Banking Mobile App or Hang Seng China Personal Banking Mobile App.

Cross-Border Transfer

You can easily place an instruction to transfer fund between your self-named accounts in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal e-Banking, Hang Seng Personal Mobile App or Hang Seng China Personal Banking Mobile App. What’s more, all fees are waived6.

 

10 currencies are supported for Cross-Border Transfer: RMB, HKD, USD, EUR, GBP, AUD, NZD, CAD, CHF and JPY.

How it works

Step 1: Logon to Hang Seng Personal e-Banking (Desktop version)

Step 2:  Under “Account Overview”, click “Register Cross-Border View and Transfer”

Step 3: Read and accept the Terms and Conditions of Cross-Border View and Transfer, then enter the Security Code generated by your Security Device

Step 4: After clicking ”Continue”, the Hang Seng China Personal e-Banking logon page will  load

Step 5: Enter your username, password and Security Code for  Hang Seng China Personal e-Banking to log on your Hang Seng China account and complete the registration

Step 1: After completing the registration of Cross-Border View and Transfer, log on to the Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app

Step 2: Under “Account Overview”, select “Hong Kong” or “China” to check your Hang Seng Hong Kong or Hang Seng China accounts 

Step 3: For “How to use Cross-Border View” via the Hang Seng China Personal Banking mobile app, please refer to Hang Seng China website

Step 1: After completing the registration of Cross-Border View and Transfer, log on to the Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app

Step 2: Select “P.P. Payment Platform” in the left menu, and click “Cross-Border Transfer” under “Transfer”

Step 3: Select “From Hong Kong Account” and “To China Account”, fill in the preferred currency and amount, then click “Next”

Step 4: Review the transfer information and click “OK” to complete the transfer instruction

Step 5: To learn more about  “How to use Cross-Border Transfer” via the Hang Seng China Personal Banking mobile app, please visit our Hang Seng China website

FAQs

You can register for “Cross-Border View and Transfer” in Hang Seng Personal e-Banking (Desktop version). After successful registration, you can check your account and submit transfer instructions between Hang Seng accounts in Hong Kong and Mainland China anytime, anywhere with ease. 

 

Cross-Border View: 

Just one convenient logon and you can check the balances of both of your self-named accounts in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal e-Banking (Desktop version), the Hang Seng Personal Banking Mobile App or the Hang Seng China Personal Banking Mobile App.

 

Cross-Border Transfer:

You can easily place an instruction to transfer funds between your self-named accounts in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal e-Banking (Desktop version), the Hang Seng Personal Banking Mobile App or the Hang Seng China Personal Banking Mobile App. What’s more, all fees are waived*.

 

*This waiver is applicable to the transfer instruction submitted via the Cross-Border Transfer section only. Any fund transfer instruction across Hang Seng Hong Kong and Hang Seng China submitted via channels other than the Cross-Border Transfer section is subject to outward or inward remittance fees and charges as stipulated in the “Banking Services Fees and Charges”. 

If you are holding a Prestige Signature, Prestige, Preferred Banking or Integrated Banking accounts with Hang Seng Hong Kong and Hang Seng China self-named accounts together with e-Banking access on both Hang Seng Hong Kong and Hang Seng China, meanwhile, you are also having the access to register through Hang Seng Personal e-Banking (Desktop version). Joint accounts in Hang Seng Hong Kong cannot be indicated on the Cross-Border View page in the Hang Seng China Personal Banking Mobile App.

Registration or removal is only available via Hang Seng Personal e-Banking (Desktop version).

The system will not link up your accounts automatically. You are required to register this function through Hang Seng Personal e-Banking (Desktop version). You will be directed to the logon page of Hang Seng China Personal e-Banking in order to finish the registration.

Apart from the charges, extra information e.g. SWIFT code, Beneficiary Bank, etc, are required for Overseas Transfer. Cross-Border Transfer offers a simple input page to submit a fee-free transfer instruction between Hang Seng Hong Kong and Hang Seng China. You can finish a transfer instruction by filling in From/To account, amount, a transfer date and purpose.

 

Please note that only the RMB TT account is applicable to Renminbi Cross-Border Transfer in Hang Seng China.

Cross-Border View & Transfer will be effective instantly after successful registration.

 

Please note, your accounts will be delinked if your personal information are mismatched between Hang Seng Hong Kong and Hang Seng China. An SMS or notification letter would be sent with follow up details.

Cross-Border View and Transfer is a fee-free function.

 

Please note, any charges incurred from inward fund transfer from Hang Seng China RMB TT Accounts will be imposed and refunded on the same day.

After you submit a Cross-Border Transfer instruction in Hang Seng Hong Kong, the fund would be debited instantly. If you would like to amend or cancel, to avoid any fee being incurred, please consider to place a new Cross-Border Transfer instruction in Hang Seng China back to Hang Seng Hong Kong account to offset the previously completed transfer.

 

If you insist to amend or cancel a completed Cross-Border Transfer instruction, please visit our Branch or contact our Phone Banking. A fee of HKD220 will be charged on behalf of the Clearing Bank and the fee is subject to change by the Clearing Bank without advance notice.

No.  You can only transfer fund from Hong Kong to China under Cross-Border Transfer section via Hang Seng Hong Kong. For fund transfer from China to Hong Kong, please submit a Cross-Border Transfer instruction via Hang Seng China.

In normal situations, from Monday to Friday (must be working day of China and Hong Kong), if you submit Cross-Border Transfer instruction from Hang Seng Hong Kong before the same-day value cutoff time, the fund would be credited to your Hang Seng China account on the same day.

 

If the instruction is submitted from Hang Seng Hong Kong after the same-day value cutoff time, on Saturday, Sunday or public holiday of China or Hong Kong, the fund would be transferred to Hang Seng China on the next China and Hong Kong working day.

 

For details of the same-day value cutoff time, please refer to “Outward Remittance” section under Outward Remittance & CHATS Services Same-day Value Cut-off Times (for reference only)”.

Forward date is only available for transfer instructions from Hang Seng Hong Kong to Hang Seng China. The longest forward instruction can be set as 45 days.

The daily maximum fund transfer limit for registered account via Hang Seng Personal e-Banking (Desktop version) or Hang Seng Personal Banking Mobile App is HKD1,000,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong registered bank accounts through FPS or CHATS.

 

You can register your Hang Seng China account under Limit/ Payee Maintenance section or during the submission of the Cross-Border Transfer instruction. Registered Account instruction will be effective on next working day when submitted before 9 pm from Monday to Friday or 6 pm on Saturday. Instruction will be effective in two working days when submitted after 9 pm from Monday to Friday or 6 pm on Saturday or on Public Holiday.

 

If you do not register your self-named Hang Seng China account, the daily maximum fund transfer limit for non-registered account via Hang Seng Personal e-Banking (Desktop version) or Hang Seng Personal Banking Mobile App is HKD100,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to non-registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong non-registered bank accounts through FPS or CHATS.

You can transfer Renminbi via Cross-Border Transfer from Hang Seng Hong Kong account to your self-named Hang Seng China account.  The Hong Kong residents are subject to a daily transfer limit of CNY80,000, covering your Renminbi transfer amount via (i) Cross-Border Transfer, (ii) remittance to your self-named account in China (excluding Hang Seng China) and other Renminbi self-named transfer through other financial institutions.

Because you are not holding a Hang Seng Hong Kong Prestige Signature, Prestige, Preferred Banking or Integrated Banking account.

Contact us

Open an account with us
24-Hour toll-free hotline

852 2998 9188 (Hong Kong)

4001 20 8282 (Mainland2)

Visit our branches

Remark(s)

  1. Customer has to hold a Prestige Banking account with the Bank and a designated account in mainland China in order to register for Hang Seng Greater China Prestige. Upon successful registration, customer can choose to enjoy the monthly fee waiver for the account with the Bank.
  2. The Toll-free Enquiry Hotline allows you to contact us for free even while staying on the Mainland. This hotline is applicable to enquiries on general personal banking services only but not applicable to enquiries/transactions of investment related matters. The toll-free hotline can be accessed from mobile lines, fixed telephone lines, payphones and call cards and is free of IDD charges. Please contact the relevant service supplier for details. Hang Seng Bank Limited (the "Bank") assumes no responsibilities for such service. Customer agrees to be bound by the terms and conditions for the service provided by service providers, which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to service providers.
  3. The website is primarily intended for those who access it from within Hong Kong. Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by the Hang Seng Bank Group ("the Bank").The material on these pages are not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.
  4. Cross-Border View and Transfer is eligible for Prestige Signature, Prestige, Preferred or Integrated Account customers. Customers are required to hold the designated self-named account of Hang Seng Hong Kong and Hang Seng China, and activated both Hang Seng Personal e-banking and Hang Seng China Personal e-Banking services before they can register Cross-border View and Transfer through Hang Seng Personal e-Banking.
  5. Cross-Border View does not support Unit Trust account of Hang Seng China. 
  6. The waiver is applicable to the transfer instruction submitted via the Cross Border Transfer section only. Any fund transfer instruction across Hang Seng Hong Kong and Hang Seng China submitted via non Cross Border Transfer section is subject to outward or inward remittance fees and charges as stipulated in the “Banking Services Fees and Charges”. Please note that charges of inward Cross Border Transfer from Hang Seng China RMB TT account will be refunded on the same day. For details, please refer to “Banking Services Fees and Charges. For any amendment, cancellation or enquiry of a RMB denominated fund transfer instruction, a fee of HKD220 will be charged on behalf of the Clearing Bank and the fee is subject to change by the Clearing Bank without advance notice.