Foreign Exchange

We care about your needs for Foreign Exchange

Key features

24/7 online foreign exchange service

  • Enjoy the convenience of instant FX trading anytime, anywhere with 24-hour online FX service[1]
  • Grasp FX opportunities and exchange 11 major foreign currencies[2] in 3 simple steps

FX Order Watch

  • Pre-set target exchange rate and amount, we’ll automatically track and exchange for you during the monitoring period (up to 60 days) when your target rate is reached
  • Support any pairs among 10 currencies[3]

FX Rate Alert

  • Notify you via SMS or email right away when your pre-set rate is reached

FX ATM service

  • Support both foreign exchange and notes withdrawal
  • Locates all across Hong Kong Island, Kowloon and New Territories, with some service points providing 24-hour service
  • Offers up to 12 foreign currency notes options[4]

FX market insight

  • Personal e-Banking offers real-time market news and commentaries to keep your fingers on the pulse of the market
  • Stay informed of the latest FX market updates to capture every FX investment opportunity with our Investment Corner

What kind of FX service you are looking for?

Overseas travel

24/7 online foreign exchange service: Exchange with ease anytime

  • Make round-the-clock exchanges via Personal e-Banking and Mobile App[1]
  • Covers 11 foreign currencies[2]

FX Order Watch and Rate Alert service: Secure your desired rate without constant monitoring

  • Simply pre-set desired exchange rate and we’ll notify you and automatically make the exchange when your target rate is reached
  • Covers 10 foreign currencies[3]

FX ATM service: Withdraw and exchange foreign currencies with ease

  • Locates all across Hong Kong Island, Kowloon and New Territories, with some service points providing 24-hour service
  • Offers up to 12 foreign currency notes options[4]

FX Order Watch and Rate Alert service: Capture the opportunity to grow your FX savings

  • Simply pre-set desired exchange rate and we’ll notify you and automatically make the exchange when your target rate is reached
  • Covers 10 foreign currencies[3]

Remittance service: Safe and reliable

  • Allows you to keep track of your outward overseas remittance progress with “Track My Remittance”
  • Fast and reliable remittance services to over 160 countries / regions worldwide
  • Preferential remittance charge of as low as HKD65[5] via Personal e-Banking

Foreign currency time deposit: Earn interest return

  • A wide choice of 11 foreign currencies
  • Preferential interest rates with flexible tenor options
  • Interest Calculator is available for quick reference

FX market insight: Keep your fingers on the pulse of the market

  • FX market information to keep you updated with the FX market movement and timely capture investment opportunities
  • Rate charts of major currencies are available for at-a-glance reference

FX Order Watch and Rate Alert Service: Grasp momentary opportunity

  • Simply pre-set desired exchange rate and we’ll notify you and automatically make the exchange when your target rate is reached
  • Covers 10 foreign currencies[3]

Foreign currency time deposit: Earn stable interest return

  • A wide choice of 11 foreign currencies
  • Preferential interest rates with flexible tenor options
  • Interest Calculator is available for quick reference

Virtual Assistant H A R O: Your exclusive FX partner

  • Instant rate quotes and execution of FX orders
  • Personalised FX news and customer offers
  • One tap to get FX ATM locations

Featured offers

Useful information

Need more help?

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Footnote

Remarks

  1. 24/7 online foreign currency exchange service is available via Personal e-Banking and Mobile App (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances).
  2. 11 foreign currencies include AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, THB, USD and ZAR. SGD exchange service is only provided via branches and FX ATMs and applicable to Foreign Currency Statement Savings Account and Foreign Currency Passbook Savings Account.
  3. 10 currencies include AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD.
  4. 12 foreign currency notes options include AUD, CAD, CHF, EUR, GBP, JPY, KRW, NZD, SGD, THB, TWD and USD.
  5. Handling fees of overseas transfers stated here exclude corresponding bank charges. Please refer to Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers for details.
  1. The above interest rate is quoted with reference to the interest rates offered by the Bank on 2 Apr 2024, for reference only. Foreign exchange involves exchange rate risk. Terms and Conditions apply.

Risk disclosure(s)

  1. 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.
  2. 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.