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Manage everyday finances with our easy-to-use app

Download the Hang Seng Mobile App to manage your money anytime, anywhere. Pay bills, transfer money, withdraw cash without your ATM card - all with a simple click.

Make transfers easily

Faster Payment System (FPS) provides you round-the-clock fund transfers

Bill Payment

Settle your bills and manage your credit cards online

Cardless ATM access

Get cash from ATM via Hang Seng Mobile App by tapping NFC device or scanning QR code

Check the latest account status

Receive messages to keep up-to-date with your account activity

Foreign Currency Exchange Service

Set FX Order Watch and Rate Alert via Hang Seng Mobile App with as low as USD1[1] which allows you to keep track on the fluctuating FX market. Learn more about foreign exchange service

Flexi cash flow management

From payroll support, savings planning to loans and mortgage, we have all the daily banking services you need to enjoy flexible and simple cash flow and money management.

Payroll service

Manage your wealth with ease and enjoy special privileges when your salary is paid into your account through our Payroll Service. Learn more about payroll service

Money Master

Apart from setting a savings plan according to your needs, Money Master also provides functions like automatic tracking of expense records from your Hang Seng Hong Kong Dollar accounts and credit cards, real-time reflection of your progress and remaining spending budget. You can also register for H A R O WhatsApp to receive personalised tips and progress updates, allowing you to easily achieve different goals. Learn more about Money Master

Personal Instalment Loan

Enjoy low interest rate and rebate with Personal Instalment Loan to meet your financial needs. Learn more about Personal Instalment Loan


Get a professional and speedy valuation and fast mortgage support. Learn more about the online mortgage experience

Spending Instalment

Settle credit card spending at ease by instalment. More enjoyment in shopping and more financial flexibility. Learn more about Spending Instalment

Benefits at a glance

Contact us

Call us

24-hour Banking Manned hotline

(852) 2822 8228

Visit our branches


Risk disclosure and other point(s) to note

  1. Foreign Currency Exchange Service
    • 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.
  2. Mortgage
    The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited (“Hang Seng”)
    Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff.
  3. Spending Instalment
    If you fail to make full repayment of the statement balance specified in your credit card account statement on or before the payment due date of each month, you shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.
  4. Please read Hang Seng Preferred Terms and Conditions.
  5. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.


  1. Exchange currencies with as low as USD1 is only applicable to FX Order Watch.

To borrow or not to borrow? Borrow only if you can repay!