Tips to a carefree vacation
Preparing for your trip
- Download the latest version of the Hang Seng Personal Banking mobile app to manage your finance whenever and wherever you are
- Withdraw up to 12 currencies via our Hang Seng foreign currency ATM for Chinese Renminbi, Japanese Yen, US Dollars, EU Euro and more
- Activate overseas ATM cash withdrawal in advance, so you can have cash in hand when you need it the most
- Purchase travel insurance via Hang Seng Personal Banking mobile app or Hang Seng Bank website within 90 days before the departure to enjoy a hassle-free trip with protection
During your trip overseas
- You can withdraw local currencies via overseas UnionPay ATMs with ATM card. The service fee is as low as HKD20 per withdrawal
- Enable push notification in your app, or sign up for free SMS alerts to monitor your account and funds on the go
- Remember to keep your sales receipts to monitor your travel expenses. Always check the foreign currency you are using before making a payment
- Travel insurance provides medical coverage in case you feel sick during the trip. On the other hand, some medical insurance plans also offer worldwide cover to support your needs
After the trip
- Go through the receipts and make sure they reconcile with your monthly statement
- Make sure you keep all the receipts and documents to for travel insurance claims within the allotted period
Explore our products
Travel insurance
- Provides a comprehensive travel protection plan
- Insured age has no upper limit and incurs no additional premium for Single Trip Plan
- Family plan covers 2 parents and their underage child(ren) with only 2 individual premium for Annual Global and Annual China Cover
Terms and Conditions apply. The above general insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited.
Foreign exchange
- Trade currencies at pre-set target exchange rate with FX Order Watch
- FX ATM service for convenient foreign exchange and note withdrawal
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Footnote
Other points to note
- To borrow or not to borrow? Borrow only if you can repay!
- Foreign exchange involves exchange rate risk.
- Terms and Conditions apply.
Risk Disclosures
- Currency risk
Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa. - RMB currency risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation 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.