Cross-Border View and Transfer

The service will be effective instantly after successful registration.

Please note that your accounts will be unlinked if your personal details don't match between Hang Seng HK and Hang Seng China. We'll notify you via SMS or letter for a follow-up.

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.

In general, after you've submitted a Cross-Border Transfer instruction via Personal e-Banking, the funds are debited instantly and therefore can't be amended or cancelled.

If you still need to amend or cancel a completed Cross-Border Transfer instruction, please visit any of our local branches or contact us. A fee of HKD220 will be charged on behalf of the Clearing Bank and is subject to change by the Clearing Bank without advance notice.

To avoid any fee being incurred, please consider placing a new Cross-Border Transfer instruction from Hang Seng China back to your Hang Seng Hong Kong account to offset the previously completed transfer.

No. You can only select Hang Seng HK account as the debit account when transferring funds from HK to mainland with Cross-Border Transfer.

If you'd like to debit funds from a Hang Seng China account, please update the settings via Hang Seng China Personal e-Banking or Mobile Banking App.

If you submit a Cross-Border Transfer instruction from Hang Seng HK before the same-day value cut-off time from Mon to Fri (must be working day for both Hong Kong and mainland), the fund will be credited to your Hang Seng China account on the same day.

For instructions submitted after the same-day value cut-off time, or on Sat, Sun or public holidays, the funds will be credited the next working day of HK and mainland.

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

The forward-dated transfer is only available for transfer instructions from Hang Seng Hong Kong to Hang Seng China. You can set up to 45 days in advance.

The maximum online daily transfer limits are:

• Registered payees: HKD1,500,000
• Non-registered payees: HKD400,000

These limits are shared respectively by Cross-Border Transfer, fund transfers to third-party Hang Seng HK accounts, remittances and fund transfers to other local bank accounts through FPS or CHATS.

You can register your Hang Seng China account by logging on to Personal e-Banking > "Settings" > "Transfer and payment" > "Payee Maintenance", or when submitting a Cross-Border Transfer instruction.

Please note, instruction will be effective on next working day if you submit before the cut-off time of 9:00 p.m. (Mon to Fri) or 6:00 p.m. (Sat), or in 2 working days if you submit after the cut-off time of 9:00 p.m. (Mon to Fri) or 6:00 p.m. (Sat) or on public holidays.

The maximum mainland & overseas daily transfer limit is HKD1,500,000 and only applies to transfer payee outside Hong Kong. The transfer amount may also subject to registered / non-registered payee daily transfer limit or small value daily transfer limit, whichever is lower.

Based on RMB transfer regulations, Hong Kong residents (or HKID card holders) are subject to a daily transfer limit of RMB 80,000 to self-named account in mainland China. Transfers to mainland China or overseas for non-Hong Kong residents (or non-HKID holders) are subject to the regulations of the respective regions. Overseas transfers may be rejected due to the regulations and are subject to a handling fee.

You can transfer RMB via Cross-Border Transfer from Hang Seng HK account to your self-named Hang Seng China account.

Based on RMB transfer regulations, Hong Kong residents (or HKID card holders) are subject to a daily transfer limit of RMB80,000, covering your RMB transfer via Cross-Border Transfer, remittance to your self-named account in mainland China and RMB self-named transfer through other financial institutions. Transfers to mainland China or overseas for non-Hong Kong residents (or non-HKID holders) are subject to the regulations of the respective regions. Overseas transfers may be rejected due to the regulations and are subject to a handling fee.

Besides, as the payee is outside Hong Kong, this service is also subject to your mainland & overseas daily transfer limit.

To register for "Cross-border View and Transfer" service, you must also hold an eligible Hang Seng HK account and activate Personal e-Banking for both locations. Eligible Hang Seng HK accounts include self-named Prestige Private, Prestige Banking, Preferred Banking and Integrated Account.

You can refer to "How it works?" > "Register for Cross-Border View and Transfer" tab in this page for details.

The final debit amount and exchange rate will be calculated based on the exchange rate when your transfer is executed. Once it's complete, you'll receive a notification by SMS, email and/or push notification (if enabled) with the final exchange rate.