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    Foreign Exchange

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    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
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    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]
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    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
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    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

    Featured offers

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    Mobile Account Opening / Upgrade

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

    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).
    1. The above interest rate is quoted with reference to the interest rates offered by the Bank on 2 Oct 2024, 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 losses in the event that the customer converts the deposits from 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. 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.
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