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    Foreign Exchange

    We care about your needs for Foreign Exchange

    Our foreign exchange services provide you an online one-stop foreign exchange platform, allowing you to exchange foreign currencies at the comfort of your home anytime easily. You can also set target exchange rates via “FX Order Watch” with as low as USD1, helping you capture your desired rates and meet your FX needs.

    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
    Exchange now

    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]
    Try Now
    View FX Order Watch demo

    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]
    View details

    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
    Log on now
    Go to 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]

    Global Money+ service: Send money overseas conveniently

    • Fee-free transfer in local currency to over 50 designated countries or regions[5]
    • For other transfers[6], a flat fee of HKD160 or equivalent[7] will be charged
    • Money can arrive as fast as the same day[8]
    • Simply log on to Hang Seng Mobile App to send money overseas anytime, anywhere

    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

    Explore our products

    Capital Protected Investment (CPI) Deposit

    Special offer

    Extended online trading hours to 20 hours everyday. Eligible customers who successfully subscribe Capital Protected Investment (CPI) Deposit online can enjoy extra 2% p.a. interest rate for one month.Investment involves risks. Prices of foreign exchange may go up or down. Terms & Conditions apply.

    • 100% capital protection at maturity
    • A chance to enjoy a higher potential return
    • Invest online with just HKD5,000
    Explore CPI
    Offers details
    This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision. CPI is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

    MaxiInterest Investment Deposit

    Special offer

    Eligible customers who successfully subscribe MaxiInterest Investment Deposit online with as low as HKD5,000 can enjoy extra 2% p.a. interest rate for one month.
    Investment involves risks. Prices of foreign exchange may go up or down. Terms and conditions apply to the offer.

    • Enjoy potential interest return
    • May exchange up to 10 different linked currencies at pre-defined exchange rate upon maturity
    • Invest online with just HKD5,000
    Read Forex investment guide
    Explore offer
    This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

    FX2 – FX and Precious Metal Trading Services

    • Diverse trading pair choices in any combination of 1 precious metal - gold (XAU) and 10 major currencies[9]
    • Allow you to buy long and/ or sell short according to the prevailing market situation
    • Relatively lower trading spread compared to telegraphic transfer rates and exchange rates
    Invest online
    Learn more
    Investments involve risks. Risk of loss in foreign exchange and precious metal trading can be substantial.

    CouponPower Guaranteed Life Insurance Plan

    • 10-year guaranteed income stream with monthly "pocket money"
    • Annualised guaranteed rate of return up to 4.14%
    • Guaranteed breakeven period as short as 3 years
    • Coverage for lung and breast cancer
    • Extra accidental death benefit
    Apply now
    View details
    CouponPower Guaranteed Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    Featured offers

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    Don't have an integrated account?

    Mobile Account Opening / Upgrade

    Open or upgrade a bank account anytime, anywhere via Hang Seng Mobile App[6]

    Apply now
    View details
    Terms and Conditions apply.

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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. Please go to Hang Seng Bank Website > "Banking" > "Transfer & Payment Services" > "Overseas Transfer" for details about the designated countries or regions.
    6. Other transfers include the transfer to other applicable countries or regions and the transfer to over 50 designated countries or regions in non-local currency. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.
    7. The HKD equivalent charge is calculated based on the exchange rate as determined by us. The remittance charge will be deducted from the applicant’s debit account in the debit account’s currency.
    8. The actual arrival time of the transfer depends on the processing time of the beneficiary bank and/or correspondent bank (if any).
    9. FX2 - FX and Precious Metal Trading Services:
      Investors may trade in any pair, in any combinations, of the following 10 currencies and 1 precious metal: EUR, GBP, AUD, NZD, USD, CAD, CHF, CNH, JPY, HKD and Gold (XAU).
    1. The above interest rate is quoted with reference to the interest rates offered by the Bank on 02 July 2025, for reference only. Foreign exchange involves exchange rate risk. Terms and Conditions apply.

    Risk disclosure(s)

    1. Foreign Currency Risk
      Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.
    2. Investment involves risks. Gold price may go up or down and its past performance is not indicative of future performance. The risk of loss in gold trading can be substantial. The relevant product and related documents including risk disclosures should be read in detail before making any investment decision.