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For transfers to Morocco, you now need to provide the payee's 24-digit account number.
To ensure a successful transfer, make sure to first confirm the account number with the payee, then choose "New Payee" to register the new number.
Effortlessly send money overseas from the comfort of your home using your computer or tablet with just a few clicks. Enjoy peace of mind as you easily track your transfer progress and status.
Easily locate the payee's bank details with our SWIFT code finder for first-time or new payee transfers. Enjoy a seamless and faster transfer experience.
Send money overseas to other accounts through our Personal e-Banking, saving you the hassle of visiting a branch and enjoying lower transfer fees.
For details, please refer to the Banking Service Fees.
Smart tip: You can also make transfers to CA, UK, US, AU, NZ and over 50 designated countries or regions with $0 handling fee via "To overseas (Global Money+)" in Hang Seng Mobile App. For details, please visit Overseas Transfer with Hang Seng Global Money+.
Use our "Track My Remittance" function to locate where your money is
If you wish to receive money from an overseas account, you may provide the following bank details to the payer for completing the transfer:
You can also make an overseas transfer via methods below:
16 currencies are available for overseas transfer via Hang Seng Mobile App, Personal e-Banking, our branches and Phone Banking. We may add or delete currencies from time to time. Please refer to our currency converter for the latest foreign exchange rates.
Currency |
Code |
|---|---|
Australian Dollar |
AUD |
Canadian Dollar |
CAD |
Danish Kroner |
DKK |
Euro |
EUR |
Hong Kong Dollar |
HKD |
Japanese Yen |
JPY |
New Zealand Dollar |
NZD |
Norwegian Kroner |
NOK |
Pound Sterling |
GBP |
Renminbi |
CNY |
Singapore Dollar |
SGD |
South African Rand |
ZAR |
Swedish Kroner |
SEK |
Swiss Franc |
CHF |
Thai Baht |
THB |
US Dollar |
USD |
We'll debit funds from your designated account on the day we process your instruction, which is usually the submission day or next business day. For details, please refer to Outward Remittance & CHATS Services Cut-off Timetable.
Once the transfer's completed and the amount's debited, you'll receive a notification via email stating the final exchange rate used.
The estimated time of arrival depends on the processing time of the intermediary bank(s) / receiving bank or its branches. Funds are usually transferred within 1 to 4 business days.
However, it may take longer for transfers to countries or regions where exchange control is in place, where it's the receiving bank's requirement to release funds upon contact with the payee, or if the payment has to go through a number of banks and branches.
You can call us at (852) 2123 1088 or visit any of our branches and provide the below information for us to follow up:
If you need a telegraphic enquiry, we'll charge HKD100 and overseas bank fees (if both applicable), with a minimum handling fee of HKD250 per enquiry.
Different currencies have different cut-off times. We generally process the instruction on the same business day if it's submitted before cut-off time. Otherwise, it will be proceed on the next business day. For details, please refer to Outward Remittance & CHATS Services Cut-off Timetable.
You can also submit overseas transfer instructions via our branches or Phone Banking during business hours on Sat. We'll process them on the same day except for the following instructions submitted through branches on Sat:
We usually send out the transfer instruction to the receiving bank as normal, but they won't process accordingly on local public holidays (subject to the operations and practices adopted by the receiving bank).
Transfer to |
Currency |
Charge per transaction (including handling fee and cable charge) | |
|---|---|---|---|
| Via Personal e-Banking | Via branches, Phone Banking and recurring instruction[1] | ||
Payee's Hang Seng China or Macau account |
Any |
HKD65 |
HKD190 |
Payee's other bank accounts in mainland China, Hong Kong, Macau or Taiwan |
Any |
HKD230 |
|
Other countries or regions |
HKD / Local Currency |
HKD230 |
|
Non-local currency |
HKD270 |
||
*Please note, we charge HKD0 for transfers in CNY to mainland China via Hang Seng Personal e-Banking. Please note that corresponding bank charge isn't included. For more information, please refer to Banking Services Fees and Charges.
In general, you can choose the following remittance charge arrangement:
Each bank has its own tariff and the pricing is subject to change from time to time.
It's free of charge if the transfer instruction hasn't been sent out yet. Otherwise, you'll need to pay HKD200 handling fee, HKD100 cable charge and corresponding bank charge (if both applicable). Please note, reversing transfers involving foreign exchange may incur losses due to exchange rate changes.
Please refer to Part B: “Remittances and Foreign Exchange Service” > “Outward Remittances” of the Banking Services Fees and Charges for details.
Yes. You can set up recurring instructions to send money to designated payees regularly by debiting from your selected Hang Seng account. Handling fee for setting up each recurring instruction is HKD100 and the charge for each executed transfer is the same as the one-time instructions submitted via branches or Phone Banking.
Transfer Channel |
Daily limit |
|---|---|
Personal e-Banking |
The non-registered payee daily transfer limit is up to HKD400,000, which is shared by:
The registered payee daily transfer limit is up to HKD1,500,000, which is shared by:
The maximum mainland & overseas daily transfer limit is HKD1,500,000, and only applies to the transfer to payee outside Hong Kong. The transfer amount may also subject to registered payee daily transfer limit, non-registered payee daily transfer limit or small value daily transfer limit, whichever is lower. Mainland & overseas daily transfer limit is applicable to mainland and overseas transfer, FPS × PromptPay QR Payment. For transferring CNY to mainland China, please refer to the questions under the part of “Mainland China transfers” below. Please note, CNY transfers to self-named account in mainland China will be subject to a daily limit of CNY80,000 based on CNY transfer regulations. For details, please refer to FAQs of Cross-Border Transfer. |
Branch |
No limit |
Phone Banking |
HKD100,000 for non-registered payees |
Simply log on to Personal e-Banking and go to "Transfer & Pay" in the left menu > "Limit / Payee Settings" > "Payee Maintenance" to add or remove existing payee.
Yes, currently only personal customers with a Hang Seng personal CNY account (non-commercial customers) can transfer CNY to a self-named personal CNY account in mainland China. According to the current CNY transfer regulations, HKID Card holders must transfer to a self-named account, and the maximum daily CNY transfer limit per person is CNY80,000. Transfers used for the purchase or mortgage repayment of residential properties in the Greater Bay Area are not subject to this restriction.
Non-HKID Card holders must adhere to the local rules and requirements of mainland China or the relevant jurisdictions for transferring funds to mainland China or places outside Hong Kong. Please note that the overseas transfer may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned transfers.
The purpose of payment is required for CNY remittance to mainland China. Please refer to Purpose of Payment Category for details.
The handling fee for transfers via different channels are:
The above handling fees don't include corresponding bank charges. To learn more about the privileges for Prestige Private or Prestige Banking customers, please refer to Banking Services Fees and Charges.
If Hong Kong and Macau residents purchase new and second-hand residential properties in 9 Greater Bay Area cities, namely Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, and Zhaoqing, and/or pay for mortgage repayment or relevant property purchase price (e.g. deposit, security deposit, down payment, full payment, public maintenance fund, home purchase-related taxes and liquidated damages, etc.), such transfer isn't subject to the limit.
This transfer service is currently only available at our branches, but you don't need to make an appointment in advance.
You can track the status of your transfers from Hang Seng to other overseas banks via Track My Remittance service (except Global Money+ and receiving transfers to Hang Seng).
You can use the Track My Remittance service to enquire about overseas transfer instructions submitted through various channels, including Personal e-Banking, branches and Phone Banking (except Global Money+). Besides the handling fee for setting up transfer instructions, there are no additional charges for using the Track My Remittance service.
Each transfer instruction has a corresponding Unique End-to-end Transaction Reference (UETR). You can use it to check your transfer status with Hang Seng or other banks.
Track My Remittance is applicable for transfers from Hang Seng to other overseas banks, but not for transfers to Hang Seng China.
We process transfers in CNY via the Cross-border Interbank Payment System (CIPS). Based on CNY remittance regulations, we aren't able to provide detailed information about the transfer.
If the receiving bank isn't registered with the SWIFT Global Payments Innovation (GPI) service, its processing status won't be displayed under Track My Remittance.
You should provide your receiving account information, including the account number, the account and bank name, and the related bank's SWIFT code. For transfer made to Hang Seng Bank accounts, please provide our bank name "Hang Seng Bank Limited" and our SWIFT code "HASEHKHH".
For US transfers, you should also provide our CHIPS number "010522", in addition to the above information.
In general, money will be credited to your account on the same business day if we receive the transfer instruction from the transferring bank before the cut-off time (Mon to Fri: 5:30 p.m., Sat: 11:00 a.m.; excluding public holidays).
Money transferred directly from an overseas bank to us isn't subject to handling fees. Learn more via Banking Services Fees and Charges.
If you opt in paper advices, we'll mail the advice to you on the next working day after the money is credited.
If you have Personal e-Banking and opt for e-Advices, you'll receive the Inward Remittance e-Advice instantly on the day the money is credited. The advice will be saved for 30 days and automatically deleted afterwards.
Based on exchange regulations, HKID Card holders can receive CNY transfer if they've previously transferred money from their CNY account in Hong Kong to their self-named account in mainland China. In such cases, with prior approval from the relevant financial institutions in mainland China, the amount they can transfer back shouldn't exceed the original transfer amount. Transfers from mainland China or overseas for non-HKID Card holders are subject to the regulations of the respective regions.
You can learn more about the details via smart tips for inward payments.
Please ensure that the payment information you provide is complete and accurate to avoid delays or rejection of the transfer.
If the payer provides incorrect payment information (e.g. wrong account name or number), and we can identify you as the payee, we may ask you to inform the payer to update the information via the correspondent bank. You can call our Remittance Hotline at (852) 2123 1088 to check your transfer status.
Manage your cross-border accounts easily and transfer up to 10 currencies between your self-named Hang Seng accounts in Hong Kong and mainland China anytime and anywhere.
Get 24/7 support from our Virtual Assistant.