What is FPS?
(For commercial customers, please click here)
(For commercial customers, please click here)Faster Payment System (FPS)* is a real-time payment service platform which provides full connectivity between banks, enabling customers with a round-the-clock fund transfer experience.
- Instant# cross-bank transfer at no cost, 24/7 service availability
- Multiple security measures to protect your transactions, click to learn more
- Send and receive money (in HKD / CNY) with just a mobile number / email address / FPS ID upon successful registration, without the need to disclose your account details to third party
- Multiple online transfer channels to match with your diverse needs
- Pay bill with ease by scanning the QR code, without the need to select merchant and input bill reference number^
Register FPS now to receive money with your mobile number / email address / FPS ID!
Register FPS in 3 steps
Step 1
Step 1
Select “P.P Payment Platform” > “FPS Registration” under “Featured quick links” in Hang Seng Personal Banking Mobile App and login.OR;
Login and select “P.P Payment Platform” > “FPS Registration” > “Hang Seng Registration” from left menu.
Select the proxy ID that you would like to receive money with and click “Register”.
Step 2
A one-time verification code* will be sent to you via SMS / email. Enter the verification code and click “Submit”.*Customer registered with FPS ID will not receive the verification code.
Step 3
Select receiving account and click “Next” after accepting the terms and conditions, then click “Confirm” to complete the registration.
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下一頁Step 1
Step 1
Login and select “Register FPS” under “P.P Payment Platform” tab at homepage.OR;
Login and select “P.P Payment Platform” > “FPS Registration” > “Hang Seng Registration” from left menu.
Select the proxy ID which you would like to receive money with and click “Register”.
Step 2
A one-time verification code* will be sent to you via SMS / email. Enter the verification code and click “Confirm”.*Customer register with FPS ID will not receive the verification code.
Step 3
Select receiving account and click “OK”.Accept the terms and conditions and click “Confirm” to complete the registration.
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Multiple authentications before making FPS transaction
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- e-Banking login as 1st level of protection
- Before making any FPS transfer, customers have to login e-Banking or Hang Seng Personal Banking Mobile App by Dual-Password or Security Device or Mobile Security Key. - 2-factor authentication (2FA) for making payment to non-registered payee
- When making any FPS transfer to non-registered payee, security device / mobile security key is needed as 2-factor authentication. - Transfer amount is bound by the daily transfer limit set by the customers
- Before making any FPS transfer, a daily transfer limit had to be set up.
- For transferring to non-registered payee, the default transfer limit is zero. 2-factor authentication is needed if customers wish to setup/raise their daily transfer limit online.
- For transferring to registered payee, 2-factor authentication is needed to add a new registered payee.
Instant notification to customers when FPS transaction are made
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- Real-time SMS / Email notification will be sent to the customers after the following FPS transactions are made
- Transfer to non-registered payee
- Receive payment
- Online add new registered payee (In addition, a paper advice will also be mailed to customers when the payee is successfully added to e-Banking.)
- Online raise daily transfer limit
- FPS new registration & FPS registration record maintenance
Friendly reminder to set up your transfer limit before making FPS transfer
You can now use the following 2 ways to set up your transfer limit online:
- Set up / raise transfer limits of different transaction types on Hang Seng Personal e-Banking via desktop
- Register Hang Seng Easy Pay and set up small value transfer limit of up to HKD10,000 equivalent per day via Hang Seng Personal Banking mobile app
Set up / raise transfer limit
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OR;
Login and Select “P.P Payment Platform” >”Limit / Payee Maintenance” > “Transfer / Bill Payment Limit” from left menu
Set up new limit under “Current Daily Limit (HKD)”, click “OK”.
Upon completion, you can transfer using FPS through the following channels!
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- Select "Easy Pay" > "Register Now".
- Input the verification code sent to you via SMS to continue registration
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Step 1
Step 1
Login and select “Set Payment Limit” under “P.P Payment Platform” tab at homepage.OR;
Login and Select “P.P Payment Platform” >”Limit / Payee Maintenance” > “Transfer / Bill Payment Limit” from left menu
Set up new limit under “Current Daily Limit (HKD)”, click “OK”.
Step 2
Enter your security code to confirm.Step 3
Confirm the information and click “Confirm” to complete the instruction. You will receive SMS notification about the change.Upon completion, you can transfer using FPS through the following channels!
上一頁 下一頁Step 1
Step 1
- Open Hang Seng Personal Banking mobile app and log on to Hang Seng Personal e-Banking.- Select "Easy Pay" > "Register Now".
Step 2
Select account (HKD and/or CNY) for making payment; set up small value transfer limit and accept the Terms and Conditions.Step 3a
- Input your personal identification credentials.- Input the verification code sent to you via SMS to continue registration
Step 3b
Or enter Mobile Security Key Password to continue registration.Step 3c
Or enter Security Code to continue registration.Step 4
Press "Confirm" after verified the information.Step 5
Upon registration completion, you can transfer to non-registered payee(s) using FPS through the following channels!上一頁 下一頁How to send and receive money via FPS?
With effect from 14 April 2019, payee (including Hang Seng Personal e-Banking / HSBC Personal Internet Banking customers) must register FPS in order to receive money with mobile number (instead of account number) via online transfer. Easy Pay Service Terms and Conditions will be revised accordingly. Please refer to the notice for details.
Additional Payment Functions
Add new registered payee
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OR；
Select “P.P Payment Platform” > “Transfer” > “Third-party / Other Local Banks” from left menu.
Select Payee.
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OR;
Select “P.P Payment Platform” > “Transfer” > “Third-party / Other Local Banks” from left menu.
Enter the following information:
- Select From Account
- Select “Non-registered Payee” and check the box next to “Add as Registered Payee”
- Input payee details and transfer amount
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OR;
Select “P.P Payment Platform” > “Limit / Payee Maintenance” > “Transfer Payee Maintenance” > “Register New Account” from left menu.
Select the account type and input below information:
(a) Account number / mobile number / email address / FPS ID for the payee
(b) Daily Transfer Limit
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- "Transfer to Third-party" (via Mobile)
- "Transfer to Third-party" (via Desktop)
- "Add Transfer Payee" (via Desktop)
Step 1
Step 1
Login and select “To Third-party / Other Local Account” under “P.P Payment Platform” tab at homepage.OR；
Select “P.P Payment Platform” > “Transfer” > “Third-party / Other Local Banks” from left menu.
Select Payee.
Step 2
Select proxy ID for the payee and check the box next to “Add as Registered Payee”, then click “OK”.Step 3
Select receiving bank and enter transfer amount, then click “OK”.Step 4
Enter your security code to confirm the instruction.Step 5
Confirm the information and click “Confirm” to complete the instruction. You will receive SMS and email notification about the change.上一頁 下一頁On the “Transfer to Third-party / Other Local Banks” Page
Step 1
Step 1
Login and select “To Third-party / Other Local Account” under “P.P Payment Platform” at homepage.OR;
Select “P.P Payment Platform” > “Transfer” > “Third-party / Other Local Banks” from left menu.
Enter the following information:
- Select From Account
- Select “Non-registered Payee” and check the box next to “Add as Registered Payee”
- Input payee details and transfer amount
Step 2
Enter your security code to confirm the changes.Step 3
Confirm the information and click “Confirm” to complete the instruction. You will receive SMS notification about the change.上一頁 下一頁On the “Add Transfer Payee” Page
Step 1
Step 1
Login and select “Add Transfer Payee” under “P.P Payment Platform” tab at homepage.OR;
Select “P.P Payment Platform” > “Limit / Payee Maintenance” > “Transfer Payee Maintenance” > “Register New Account” from left menu.
Select the account type and input below information:
(a) Account number / mobile number / email address / FPS ID for the payee
(b) Daily Transfer Limit
Step 2
Enter your security code to confirm the changes.Step 3
Confirm the information and click “Confirm” to complete the instruction. You will receive SMS notification about the change.上一頁 下一頁
The Winner List for “Hang Seng P.P Payment Platform Lucky Draw” and “Hang Seng P.P Payment Platform Maximum Number of Transaction Offer”
The “Hang Seng P.P Payment Platform Lucky Draw” and “Hang Seng P.P Payment Platform Maximum Number of Transaction Offer” from 17 September 2018 to 31 January 2019 have been completed, please click the button below to view the relevant winner list.
To read the latest Terms and Conditions for Faster Payment, please click here.
*FPS (Faster Payment System) is a real-time payment platform which provided by Hong Kong Interbank Clearing Limited
#The service limits to receiving banks that support instant transfer functionality and is subject to the General Terms & Conditions.
^Only applicable to merchants that support receiving payment via FPS QR code
*FPS (Faster Payment System) is a real-time payment platform which provided by Hong Kong Interbank Clearing Limited
#The service limits to receiving banks that support instant transfer functionality and is subject to the General Terms & Conditions.
^Only applicable to merchants that support receiving payment via FPS QR code
Transfer to 3rd Party
(Mobile Version)
Step 1
Step 1
Login and select “To Third-party/Other Local Account” under “P.P Payment Platform” tab at homepage.OR;
Login and select “P.P Payment Platform” > “Transfers” > “Third-party / Other Local Banks” from left menu.
Step 2
Select payee by choosing registered payee.OR;
Click “New Payee”, select proxy ID for the payee and enter payee’s mobile number / email address / FPS ID / account number / credit card number, then click “OK”.
Step 3
Select receiving bank* and enter transaction amount, then click “OK”.*Not applicable to transfer with FPS ID as the proxy ID
Step 4
Verify the transaction details and click “Confirm” to complete the transaction.上一頁下一頁Select payee by choosing registered payee OR;
Press “New Payee”, select proxy ID for the payee and enter payee’s mobile number / email address / FPS ID / account number / credit card number, then press “OK”
Press “New Payee”, select proxy ID for the payee and enter payee’s mobile number / email address / FPS ID / account number / credit card number, then press “OK”
Transfer to 3rd Party
(Desktop Version)
Step 1
Step 1
Login and select “To Third-party / Other Local Account” under “P.P Payment Platform” tab at homepage.OR;
Login and select “P.P Payment Platform” > “Transfer” > “Third-party / Other Local Banks” from left menu.
Step 2
Select “From Account”.Select payee by choosing “Registered Payee”.
OR;
Click “Non-registered Payee”, then enter payee’s information*.
Enter transaction amount and click “OK”.
*Receiving bank is not applicable for payee who opt to transfer with FPS ID.
Step 3
Verify the transaction details and click “Confirm” to complete the transaction.上一頁 下一頁Step 1
Step 1
Login and select “Easy Pay Payment” under “P.P Payment Platform” tab at homepage. OR;Login, select “Easy Pay” from left menu and select “Pay”
Step 2
Select proxy ID of the payee and enter payee’smobile number / email address / FPS ID.
Select receiving bank* and enter transaction amount^, then click “OK”.
*Not applicable to transfer with FPS ID as the proxy ID
^The maximum transfer limit for Easy Pay Payment is HK$10,000 per day.
Step 3
Verify the transaction details and click “Confirm” to complete the transaction.上一頁 下一頁Login and select “Easy Pay Payment” under “P.P Payment Platform” tab at homepage. OR;
Login, select “Easy Pay” at the left menu and select “Pay”
Login, select “Easy Pay” at the left menu and select “Pay”
Transfer with H A R O
(Mobile Version)
Step 1
Step 1
Click the H A R O icon at bottom right corner of the homepage and select “P.P Payment Platform”
Step 2
Instruct* H A R O to perform transfer(e.g. Transfer $100 from my saving account to Chris). H A R O will guide you to login to Hang Seng Personal e-Banking if you have not login yet.
* H A R O may ask you to supplement missing information if you do not provide adequate information
Step 3
Verify the transaction details and click “Confirm” to complete the transaction.上一頁 下一頁Click the H A R O icon at bottom right corner of the homepage and select “P.P Payment Platform”
Transfer with H A R O
(Desktop Version)
Step 1
Step 1
Click the H A R O icon at right corner of the Hang Seng Personal e-Banking homepage and select “P.P Payment Platform”.
Step 2
Instruct* H A R O to perform transfer(e.g. Get $100 from my savings account to 91234567).
H A R O will guide you to login to Hang Seng Personal e-Banking if you have not login yet.
*H A R O may ask you to supplement missing information if you do not provide adequate information.
Step 3
Verify the transaction details and click “Confirm” to complete the transaction.上一頁 下一頁Click the H A R O icon at bottom right corner of the homepage and select “P.P Payment Platform”
Step 1
Step 1
Login and select “More” > “Pay by QR Code” under “P.P Payment Platform” tab at homepage. OR;Login, select “Easy Pay” from left menu and select “Pay by QR Code”
Step 2
Scan QR code provided by payee / merchant or click the “Album” icon on the top-right corner to open the QR code saved in your mobile.
Step 3a (QR code provided by payee)
Enter the transaction amount (if applicable), verify and click “confirm” to complete the transaction.
Step 3b (QR code provided by merchant)
Enter the transaction amount (if applicable), verify and click “confirm” to complete the transaction.上一頁 下一頁Login and select “More” > “Pay by QR Code” under “P.P Payment Platform” tab at homepage. OR;
Login, select “Easy Pay” at the left menu and select “Pay by QR Code”
Login, select “Easy Pay” at the left menu and select “Pay by QR Code”
Step 1
Step 1
Login and select “More” > “Receive by QR Code” under “P.P Payment Platform” tab at homepage. OR;Login, select “Easy Pay” from left menu and select “Receive”
Step 2
Enter transaction details.
Step 3
(Optional)Click “Share Bill” and enter the number of persons to share, click “Generate QR Code”.
Step 4
Present or share the QR code to payer and complete the transaction.上一頁 下一頁Login and select “More” > “Receive by QR Code” under “P.P Payment Platform” tab at homepage. OR;
Login, select “Easy Pay” at the left menu and select “Receive”
Login, select “Easy Pay” at the left menu and select “Receive”
Top 5 Frequently Asked Questions
Yes, but if the same proxy ID (e.g. same mobile number) are being registered at multiple banks or stored-value facility (SVF) operators, you will need to designate one of the banks or SVF operator as default receiving bank.
| Transaction Type | Channel | Maximum Daily Limit (HK$) |
| Self-name Accounts | e-Banking | Unlimited |
| Registered Payees | e-Banking | 1,000,000 |
| Non-registered Payees (incl. e-Cheque) | e-Banking | 100,000 |
| Non-registered Payees | ATM | 400,000 |
| Master Limit (Shared between e-Banking and ATM channels) | ||
| Master Limit for Non-registered Payees | e-Banking & ATM | 400,000 |
| Small Value Transfer Limit | e-Banking | 10,000 |
Before making any transfer to registered/ non-registered payee(s) via FPS, you will need to set up relevant transfer limit(s). To set the limit, please assess 'Transfer / Bill Payment Limit' page under “P.P Payment Platform” via desktop version of Hang Seng Personal e-Banking. Please note mobile security key / security device and valid mobile number record are required for raising the transfer limit.
Or you may register Hang Seng Easy Pay and set up small-value payment transfer limit via Hang Seng Personal Banking mobile app.
Or you may register Hang Seng Easy Pay and set up small-value payment transfer limit via Hang Seng Personal Banking mobile app.
Our bank has implemented multiple authentications before making FPS transaction.
Instant notification is sent to customers when FPS transaction is made.
- e-Banking login as 1st level of protection
- Before making any FPS transfer, customers have to login e-Banking or Hang Seng Personal Banking Mobile App by Dual-Password or Security Device or Mobile Security Key. - 2-factor authentication (2FA) for making payment to non-registered payee
- When making any FPS transfer to non-registered payee, security device / mobile security key is needed as 2-factor authentication. - Transfer amount is bound by the daily transfer limit set by the customers
- Before making any FPS transfer, a daily transfer limit had to be set up. - For transferring to non-registered payee, the default transfer limit is zero. 2-factor authentication is needed if customers wish to setup/raise their daily transfer limit online. - For transferring to registered payee, 2-factor authentication is needed to add a new registered payee.
Instant notification is sent to customers when FPS transaction is made.
- Real-time SMS / Email notification will be sent to the customers after the following FPS transactions are made
- Transfer to non-registered payee - Receive payment - Online add new registered payee (In addition, a paper advice will also be mailed to customers when the payee is successfully added to e-Banking.) - Online raise daily transfer limit - FPS new registration & FPS registration record maintenance
You will receive SMS or email notifications regarding the transaction details after making or receiving FPS payment via our bank.
FPS Service
FPS (Faster Payment System) is a real-time payment platform which provided by Hong Kong Interbank Clearing Limited which is full connectivity between banks. It allows customer a 24X7 fund transfer services by using their mobile number, email address and FPS identifier.
Our bank has implemented multiple authentications before making FPS transaction.
Instant notification is sent to customers when FPS transaction is made.
- e-Banking login as 1st level of protection
- Before making any FPS transfer, customers have to login e-Banking or Hang Seng Personal Banking Mobile App by Dual-Password or Security Device or Mobile Security Key. - 2-factor authentication (2FA) for making payment to non-registered payee
- When making any FPS transfer to non-registered payee, security device / mobile security key is needed as 2-factor authentication. - Transfer amount is bound by the daily transfer limit set by the customers
- Before making any FPS transfer, a daily transfer limit had to be set up. - For transferring to non-registered payee, the default transfer limit is zero. 2-factor authentication is needed if customers wish to setup/raise their daily transfer limit online. - For transferring to registered payee, 2-factor authentication is needed to add a new registered payee.
Instant notification is sent to customers when FPS transaction is made.
- Real-time SMS / Email notification will be sent to the customers after the following FPS transactions are made
- Transfer to non-registered payee - Receive payment - Online add new registered payee (In addition, a paper advice will also be mailed to customers when the payee is successfully added to e-Banking.) - Online raise daily transfer limit - FPS new registration & FPS registration record maintenance
Any Personal e-Banking customer with a HKD/RMB deposit account is eligible for FPS registration. A valid mobile number or email address in our bank record is also required during registration for mobile number and email address.
Three types of fund transfer are available to you through our e-Banking Services:
- Transfer between your Hang Seng Accounts
- Transfer to 3rd-party/ other local banks - registered payee (this service is not available for Integrated Account customers aged under 18)
- Transfer to 3rd-party/ other local banks -non-registered payee (this service is not available for Integrated Account customers aged under 18)
You can select to set HKD and/or RMB deposit account as a receiving account at any time via FPS registration in the Hang Seng Personal e-Banking.
For Hang Seng FPS Identifier, default receiving bank must be Hang Seng Bank which cannot be changed.
Currently FPS also can support CNY fund transfer services.
As long as your RMB savings sub-account is being activated, the proxy ID with bound integrated account can support for receiving both HKD and CNY payment.
FPS binding account only accept savings or current account of HKD/CNY.
Please press here for the Terms and conditions for Bank Services relating to Faster Payment System.
FPS Registration
Currently, charge is waived for FPS registration.
Yes, but if the same proxy ID (e.g. same mobile number) are being registered at multiple banks or stored-value facility (SVF) operators, you will need to designate one of the banks or SVF operator as default receiving bank.
You may choose to pre-register the accounts or you may make fund transfers to non-registered accounts, subject to a maximum transfer amount of HKD100, 000. To make a transfer to a non-registered account, you need to set a limit for non-registered account transfers (default limit is HKD 0), have a Security Device and maintain a valid mobile number for receiving SMS alert.
You may also pre-register the accounts for fund transfers by using Voice ID in Phone Banking channel (Voice ID is subject to Terms and Conditions).
You may also pre-register the accounts for fund transfers by using Voice ID in Phone Banking channel (Voice ID is subject to Terms and Conditions).
In general, the FPS registration will be effective in few seconds, you can access “FPS Registration” > “Hang Seng Registration” in Personal e-Banking to check the registration status.
Each customer can register up 3 proxy IDs, which include mobile number, email address and FPS identifier.
Mobile number, email address and FPS identifier can bind with one receiving account respectively.
No. FPS registration is applicable to mobile number of Hong Kong and Oversea.
FPS registration can only be done via Hang Seng Personal e-Banking.
You can access “P.P Payment Platform” > "FPS Registration" > “Other Bank Records” in Hang Seng Personal e-Banking to cancel your FPS registration record in other banks. Please note this function is only available if proxy ID is also registered in Hang Seng Bank.
Assume you have set your Hang Seng Bank as default receiving banking, once you cancelled that registration in Hang Seng Bank, the latest registration of other bank record with the same proxy ID shall take up as default receiving bank.
You can access “P.P Payment Platform” > "FPS Registration" > "Hang Seng Registration" in Hang Seng Personal e-Banking to view the registration status of each proxy. You can also register, de-register, and amend the proxies setting in the same service page.
Once you updated your mobile number or email address in our bank record, the registration of old mobile number or email address will be automatically cancelled by system in next working day. And you need to register FPS for the new mobile number or email address again.
Amend mobile number and email address
If you have an activated physical security device / mobile secured key, you may instantly amend your mobile number / email address in Hang Seng personal e-Banking > Customer Services > Account Maintenance > Personal Particulars.
The information will be updated instantly
You will instantly receive SMS & Email notification about the update.
| Transaction Type | Channel | Maximum Daily Limit (HK$) |
| Self-name Accounts | e-Banking | e-Banking |
| Registered Payees | e-Banking | 1,000,000 |
| Non-registered Payees (incl. e-Cheque) | e-Banking | 100,000 |
| Non-registered Payees | ATM | 400,000 |
| Master Limit (Shared between e-Banking and ATM channels) | ||
| Master Limit for Non-registered Payees | e-Banking & ATM | 400,000 |
| Small Value Transfer Limit Before 30 Sep* From 30 Sep onwards * Customers can only set up the small value transfer limit via Hang Seng Personal Banking |
e-Banking | 5,000 10,000 |
If you wish to change the daily limit(s), please input the new amount on ‘Transfer / Bill Payment Limit ' page. Please note mobile security key / security device and valid mobile number record are required for raising the transfer limit and the instruction shall be effective immediately.
Alternatively, please download and complete the 'Application Form under ‘Transfer / Bill Payment Limit’ and return it to any Hang Seng Bank branches in person or by mail with a copy of your ID document.
Alternatively, please download and complete the 'Application Form under ‘Transfer / Bill Payment Limit’ and return it to any Hang Seng Bank branches in person or by mail with a copy of your ID document.
In order to provide you with full protection, a unique security code generated by your Mobile Security Key /Security Device must be entered when you are conducting non-registered account transfer via e-Banking. You should take good care of your Security Device to avoid accidental or unauthorized disclosure of the security code, and the risk and loss that might incurred.
Besides, you must have maintained a valid mobile number (any local 8-digit mobile number begins with "5", "6", "8" or "9" or overseas mobile number with country code specified, e.g. 8613510123456 for a China mobile number) for receiving SMS alert to perform this type of transfers, so as to ensure you are aware of the non-registered transfers made with your account(s). Such SMS alert will not be forwarded even if you have subscribed to an 'SMS Forwarding' service provided by telecommunications service providers in Hong Kong. And if you have maintained a valid email record in the Bank, you will also receive transaction notification about the submitted non-registered transfer.
If the mobile number you have maintained were proven to belong to stranger, we might have suspended this e-Banking High-Risk Transaction SMS alert for protection of your personal data. To update your mobile number, please go to “Personal Particulars” page under “Customer Services”. To resume the SMS alert service, please contact our customer service representatives.
Besides, you must have maintained a valid mobile number (any local 8-digit mobile number begins with "5", "6", "8" or "9" or overseas mobile number with country code specified, e.g. 8613510123456 for a China mobile number) for receiving SMS alert to perform this type of transfers, so as to ensure you are aware of the non-registered transfers made with your account(s). Such SMS alert will not be forwarded even if you have subscribed to an 'SMS Forwarding' service provided by telecommunications service providers in Hong Kong. And if you have maintained a valid email record in the Bank, you will also receive transaction notification about the submitted non-registered transfer.
If the mobile number you have maintained were proven to belong to stranger, we might have suspended this e-Banking High-Risk Transaction SMS alert for protection of your personal data. To update your mobile number, please go to “Personal Particulars” page under “Customer Services”. To resume the SMS alert service, please contact our customer service representatives.
If it is an instant transfer instruction, once the instruction is placed and processed, it cannot be cancelled or reversed.
It is a service that enables you to make transfers of a pre-defined amount to a pre-selected account on a pre-defined date.
For transfer to Hang Seng Accounts, you may make your pending instructions 45 calendar days (excluding Sundays and public holidays) ahead of time. For transfer to other bank accounts in Hong Kong, you may make your pending instructions 45 calendar days (excluding Saturdays, Sundays and public holidays) ahead of time.
Yes, you may make amendments to all your pending transfers online anytime before the effective date of the transfers.
It is not necessary to have sufficient fund in your account when you make a pending transfer. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.
The following FAQs are related to the FPS services which will be launched on 30 Sep
Currently the charge is waived for making an inward/outward payment by using FPS.
Provided the receiving bank is one of participant of FPS, payments are usually available almost instantly. But also subject to the running mode of receiving Bank.
FPS is a 24/7 service, which mean you can transfer money to others or receive money from others anytime. However, but also subject to the running mode of different receiving bank.
Currently, FPS support HKD and RMB transfer only.
To transfer to a non-registered payee, you need to maintain a valid mobile number in our bank record, and activated Non-Registered Accounts Daily Limit or Small Value Transfer Daily Limit. If transfer by using Non-Registered Accounts Daily Limit, you need to activated your Security Device / Mobile Security Key in order to complete the transaction verification. In general, if receiving bank is one of participant of Faster Payment System, the transfer can be instantly settled. However, it still depends on the specific settlement time of different receiving bank.
Through Faster Payment System, customer can perform real-time cross bank fund transfer services by using mobile number, email address and FPS identifier. Moreover, Easy Pay also supports paying and receiving by QR code function after 30 Sep 2018.
To enjoy the new services under Easy Pay after 30th Sep, 2018, it is not required to register the service again. However, you can set up your valid CNY saving/current account as default payment account for CNY transaction if needed.
You can use Pay by QR code function (need to grant your mobile device camera or photo gallery permission) to make payment to payee. After scan the QR code, you can confirm the payment details as shown and make payment.
You need to register FPS and set a Hang Seng account as the default receiving account. After registration, select “Receive” in Easy Pay service, Input details to generate the QR code for receiving payment. You can save the generated QR code or directly share the QR code to other mobile applications.
Before providing your mobile number, email address to the payer, you need to register FPS and set a receiving account through Hang Seng Personal e-Banking in advance. Hereafter, payer can transfer to your default receiving Hang Seng account by your mobile number, email address or FPS Identifier.
You can also transfer to other bank credit card, without registration required.
In general, if payer bank is one of participant of FPS, the transfer can be instantly settled. However, it still depends on the specific settlement time of different payer bank. Please contact payer to confirm correct transaction details is being sent, or contact our Customer Services Hotline 2822 0228 for enquiry.
Yes, if the receiving bank is not a FPS participant or does not support real time settlement, customer still can choose processing fund transfer via CHATS with in its service hours. However, please note additional service charge maybe imposed by the recipient bank.
Before using FPS
Before making any transfer to registered/ non-registered payee(s) via FPS, you will need to set up relevant transfer limit(s). To set the limit, please assess 'Transfer / Bill Payment Limit' page under “P.P Payment Platform” via desktop version of Hang Seng Personal e-Banking. Please note mobile security key / security device and valid mobile number record are required for raising the transfer limit and the instruction shall be effective immediately.
Or you may register Hang Seng Easy Pay and set up small-value payment transfer limit via Hang Seng Personal Banking mobile app.
Or you may register Hang Seng Easy Pay and set up small-value payment transfer limit via Hang Seng Personal Banking mobile app.
Transfer / Receive Payment via FPS
Currently the charge is waived for making an inward/outward payment by using FPS.
Provided the receiving bank is one of participant of FPS, payments are usually available almost instantly. But also subject to the running mode of receiving Bank.
You will receive SMS or email notifications regarding the transaction details after making or receiving FPS payment via our bank.
FPS is a 24/7 service, which mean you can transfer money to others or receive money from others anytime. However, but also subject to the running mode of different receiving bank.
Currently, FPS support HKD and RMB transfer only.
To transfer to a non-registered payee, you need to maintain a valid mobile number in our bank record, and activated Non-Registered Accounts Daily Limit or Small Value Transfer Daily Limit. If transfer by using Non-Registered Accounts Daily Limit, you need to activated your Security Device / Mobile Security Key in order to complete the transaction verification. In general, if receiving bank is one of participant of Faster Payment System, the transfer can be instantly settled. However, it still depends on the specific settlement time of different receiving bank.
Before providing your mobile number, email address to the payer, you need to register FPS and set a receiving account through Hang Seng Personal e-Banking in advance. Hereafter, payer can transfer to your default receiving Hang Seng account by your mobile number, email address or FPS Identifier.
You can also transfer to other bank credit card, without registration required.
In general, if payer bank is one of participant of FPS, the transfer can be instantly settled. However, it still depends on the specific settlement time of different payer bank. Please contact payer to confirm correct transaction details is being sent, or contact our Customer Services Hotline 2822 0228 for enquiry.
Pay by QR Code
You can use Pay by QR code function (need to grant your mobile device camera or photo gallery permission) to make payment to payee / merchant by scanning the QR code. After scan the QR code, you can confirm the payment details as shown and make payment. (This function is available on mobile only.)
You need to register FPS and set a Hang Seng account as the default receiving account. After registration, select “Receive” in Easy Pay service, Input details to generate the QR code for receiving payment. You can save the generated QR code or directly share the QR code to other mobile applications.
Daily transfer limit
| Transaction Type | Channel | Maximum Daily Limit (HK$) |
| Self-name Accounts | e-Banking | Unlimited |
| Registered Payees | e-Banking | 1,000,000 |
| Non-registered Payees (incl. e-Cheque) | e-Banking | 100,000 |
| Non-registered Payees | ATM | 400,000 |
| Master Limit (Shared between e-Banking and ATM channels) | ||
| Master Limit for Non-registered Payees | e-Banking & ATM | 400,000 |
| Small Value Transfer Limit |
e-Banking | 10,000 |
If you wish to change the daily limit(s), please input the new amount on ‘Transfer / Bill Payment Limit ' page. Please note mobile security key / security device and valid mobile number record are required for raising the transfer limit and the instruction shall be effective immediately.
Alternatively, please download and complete the 'Application Form under ‘Transfer / Bill Payment Limit’ and return it to any Hang Seng Bank branches in person or by mail with a copy of your ID document.
Alternatively, please download and complete the 'Application Form under ‘Transfer / Bill Payment Limit’ and return it to any Hang Seng Bank branches in person or by mail with a copy of your ID document.
Pending transfer
It is a service that enables you to make transfers of a pre-defined amount to a pre-selected account on a pre-defined date.
For transfer to Hang Seng Accounts, you may make your pending instructions 45 calendar days (excluding Sundays and public holidays) ahead of time. For transfer to other bank accounts in Hong Kong, you may make your pending instructions 45 calendar days (excluding Saturdays, Sundays and public holidays) ahead of time.
Yes, you may make amendments to all your pending transfers online anytime before the effective date of the transfers.
It is not necessary to have sufficient fund in your account when you make a pending transfer. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the transfer.
Other questions
Yes, if the receiving bank is not a FPS participant or does not support real time settlement, customer still can choose processing fund transfer via CHATS with in its service hours. However, please note additional service charge maybe imposed by the recipient bank.
In order to provide you with full protection, a unique security code generated by your Mobile Security Key /Security Device must be entered when you are conducting non-registered account transfer via e-Banking. You should take good care of your Security Device to avoid accidental or unauthorized disclosure of the security code, and the risk and loss that might incurred.
Besides, you must have maintained a valid mobile number for receiving SMS alert to perform this type of transfers, so as to ensure you are aware of the non-registered transfers made with your account(s). Such SMS alert will not be forwarded even if you have subscribed to an 'SMS Forwarding' service provided by telecommunications service providers in Hong Kong. And if you have maintained a valid email record in the Bank, you will also receive transaction notification about the submitted non-registered transfer.
If the mobile number you have maintained were proven to belong to stranger, we might have suspended this e-Banking High-Risk Transaction SMS alert for protection of your personal data. To update your mobile number, please go to “Personal Particulars” page under “Customer Services”. To resume the SMS alert service, please contact our customer service representatives.
Besides, you must have maintained a valid mobile number for receiving SMS alert to perform this type of transfers, so as to ensure you are aware of the non-registered transfers made with your account(s). Such SMS alert will not be forwarded even if you have subscribed to an 'SMS Forwarding' service provided by telecommunications service providers in Hong Kong. And if you have maintained a valid email record in the Bank, you will also receive transaction notification about the submitted non-registered transfer.
If the mobile number you have maintained were proven to belong to stranger, we might have suspended this e-Banking High-Risk Transaction SMS alert for protection of your personal data. To update your mobile number, please go to “Personal Particulars” page under “Customer Services”. To resume the SMS alert service, please contact our customer service representatives.
If it is an instant transfer instruction, once the instruction is placed and processed, it cannot be cancelled or reversed.
