Foreign Exchange FAQ

Frequently asked questions

Foreign Exchange Service

Yes. You can exchange foreign currencies in real time via Hang Seng Personal e-Banking and mobile app any time. You can refer to the service hours of different channels below.

Channel Currency available[1] Service hours
Personal e-Banking and mobile app 11 currencies 24/7[2], [3]
Branches 12 currencies Mon to Fri: 9:00 a.m. to 5:00 p.m.
Sat: 9:00 a.m. to 1:00 p.m.
Phone banking 11 currencies

Manned phone banking service
Mon 6:00 a.m. to Sat 3:30 a.m.[4]
Sat: 8:00 a.m. to 12:55 p.m.[4]

Automated phone banking service
Mon to Fri: 9:00 a.m. to 7 p.m.[5]

The listed exchange rates are for reference only. You will be notified of the actual rate prior to your confirmation of any transaction requested.

FX Order Watch and Rate Alert

FX Order Watch enables you to set up instructions to perform foreign exchange easily according to the criteria you have preset, such as exchange rate, transfer amount, and expiry date criteria. When your pre-set criteria are met, the instruction will be automatically processed.

All Prestige Banking, Preferred Banking and Integrated Account customers (excluding Integrated Account customers aged under 18) are eligible to use FX Order Watch.

There is no set-up charge for using FX Order Watch.

You can exchange 10 types of currency via our FX Order Watch service, including USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD, CNY, HKD.

You can place buy/sell order or rate alert at anytime
(Except Sun 00:00 – 06:00) via our FX Order Watch platform.

Order execution/Rate matching service hour:

  • Mon 06:01 to Sat 03:30
  • The rate will be checked at a near real time regular intervals, down to intervals of 10 seconds

Order execution/Rate matching cannot be processed in the following timeslots:

  • Full day of New Year’s Day, Good Friday and its following day, Christmas Day
  • From 00:00 to 06:00 on the day following New Year’s Day, Christmas Day and specific US holidays (Martin Luther King, Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day and Thanksgiving Day)

FX ORDER WATCH service is available at Hang Seng Personal Internet Banking and Mobile Banking.

Expiry date must fall on Monday – Friday (even that day is Hong Kong public holiday). When customer selects expiry date from the calendar tool, the tool has already hidden all Saturday and Sunday. Please note that the FX ORDER WATCH order/rate alert will be expired at 23:59 on the expiry date.

Although the target rate is reached, the watched rate may yet to be reached in the market. The order will only be executed when the “watched rate” is reached in the market.

You will receive email/ SMS if you have opted for the notification channel subject to a valid email address / Mobile phone number are provided. When your instruction is executed, a notification would be sent.

If your registered mobile phone number is a Chinese mobile number, your SMS notification might not be successfully received, so we encourage you to enable both SMS and email notification to stay alert.

 

Note: no charges for SMS notification.

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Footnote

Remarks

  1. Currencies available include AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. SGD exchange service is only available for trading via Foreign Currency Statement Savings Account and Foreign Currency Passbook Savings Account in branches and FX ATMs.
  2. Service isn't available during system maintenance hours and under special circumstances. You can refer to System Maintenance Schedule for details
  3. Foreign exchange service is only available for Foreign Currency Passbook Savings Account from Mon to Fri 8:00 a.m. to 6:55 p.m. and Sat 8:00 a.m. to 12:55 p.m. (excluding Hong Kong public holidays)
  4. Service isn't be available during:
    • Full day of New Year's Day, Good Friday and the following day, Christmas Day and Hong Kong public holidays that fall on Saturdays
    • 12:00 a.m. to 6:00 a.m. on the following day of New Year's Day, Christmas Day and specific U.S. holidays (Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day and Thanksgiving Day)
  5. Except for these situations:
    • THB and ZAR exchange service isn't available during full day of all Hong Kong public holidays
    • Exchange of currencies other than THB and ZAR isn't available during the time listed in point 4
  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.