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    Overseas transfer

    Overview

    Global Money+[1] allows you to send money to overseas account via Hang Seng Mobile App anywhere with a few steps! You can also transfer overseas via Personal e-Banking, phone banking service or by visiting any of our branches[2].

    Why choose Global Money+?

    • Fee-free transfer in local currency to over 50 designated countries / regions[3]
    • For other transfers[4], a flat fee of HKD160 or equivalent will be charged[5]
    • After registering the payee, you can send money to overseas account in a few taps
    • Simply log on to Hang Seng Mobile App to send money overseas anytime, anywhere

    How Global Money+ works?

    Overseas transfer

    Via mobile app

    Step 1 / 9
    Log on to Hang Seng Mobile App > Bottom menu > "Transfer & Pay" > "Mainland & overseas" > "Global Money+". Please note if you use overseas transfer service for the first time, you need to set up mainland & overseas daily transfer limit first.

    Via mobile app

    Step 1 / 3
    If your Global Money+ transfer instruction involves currency exchange, you can check the indicative exchange rate at the bottom of the transfer information input page. Please note Foreign Exchange involves Exchange Rate Risk.
    Fee-free applicable countries / regions & currencies​

    Countries/ Regions

    Local Currencies

    United Kingdom

    GBP/EUR

    Switzerland

    CHF/EUR

    Greece

    EUR

    Germany

    EUR

    Netherlands

    EUR

    Spain

    EUR

    Austria

    EUR

    Portugal

    EUR

    Andorra

    EUR

    Belgium

    EUR

    Bulgaria

    BGN/EUR

    Croatia

    EUR

    Cyprus

    EUR

    Czech Republic

    CZK/EUR

    Denmark

    DKK/EUR

    Estonia

    EUR

    Finland

    EUR

    France

    EUR

    French Guiana

    EUR

    Gibraltar

    EUR

    Guadeloupe

    EUR

    Guernsey

    GBP/EUR

    Holy See (Vatican City State)

    EUR

    Hungary

    HUF/EUR

    Iceland

    EUR

    Ireland

    EUR

    Isle of Man

    GBP/EUR

    Italy

    EUR

    Jersey

    GBP/EUR

    Latvia

    EUR

    Liechtenstein

    CHF/EUR

    Lithuania

    EUR

    Luxembourg

    EUR

    Malta

    EUR

    Martinique

    EUR

    Mayotte

    EUR

    Monaco

    EUR

    Norway

    NOK/EUR

    Poland

    PLN/EUR

    Romania

    RON/EUR

    Saint Pierre and Miquelon

    EUR

    San Marino

    EUR

    Slovakia

    EUR

    Slovenia

    EUR

    Sweden

    SEK/EUR

    Countries/ Regions

    Local Currencies

    United States

    USD

    When transferring to the United States, the fee depends on beneficiary account. This fee information will be shown on the page before you confirm the transfer.

    Countries/ Regions

    Local Currencies

    Australia

    AUD

    Singapore

    SGD

    New Zealand

    NZD

    India

    INR

    Guam

    USD

    Saudi Arabia

    SAR

    Fee-free for transferring RMB to Mainland China, but a correspondent bank charge of HKD20 will be charged.

    Countries/ Regions

    Local Currencies

    South Africa

    ZAR

    Kenya

    KES
    Tips

    Apart from fee-free on transferring funds in local currency to 50+ designated countries or regions via Global Money+, you can exchange currency through our 24/7 online foreign exchange service at your desired rate in advance for future transfers!

    Also, keep an eye out on our foreign currency exchange offers from time to time, including foreign currency time deposit offers to help you to earn extra interest!

    Please note Foreign Exchange involves Exchange Rate Risk.

    Hang Seng Personal Banking

    Use Hang Seng Mobile App and send money overseas with Global Money+

    FAQs

    Transfer by Global Money+

    • Go to Hang Seng Mobile App and choose "Transfer & Pay" at bottom menu > "Mainland & overseas" tab > "Global Money+"
    • Choose the country / region you are transferring to
    • Choose a registered payee or enter the details of a new payee, such as name, bank code, account number and address
    • Enter the transfer amount, currency, purpose of transfer (if applicable) & message to payee (optional) to process the transfer

    You can use Global Money+ as long as you are Hang Seng Personal Banking Mobile App user holding a Hang Seng integrated, current or saving account.

    The daily maximum fund transfer limit for registered account via Hang Seng Personal Banking Mobile App is HKD1,500,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong registered bank accounts through FPS or CHATS.

     

    The daily maximum fund transfer limit for non-registered account via Hang Seng Personal e-Banking (Desktop version) or Hang Seng Personal Banking mobile app is HKD400,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to non-registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong non-registered bank accounts through FPS or CHATS.

     

    For transferring Renminbi to mainland China, please refer to the questions under the part of “Mainland China transfer” in FAQs below.

     

    The maximum mainland & overseas daily transfer limit is HKD1,500,000, and only applies to the transfer to payee outside Hong Kong. The transfer amount may also subject to registered payee daily transfer limit, non-registered payee daily transfer limit (please refer to the above paragraph) or small value daily transfer limit, whichever is lower. Mainland & overseas daily transfer limit is applicable to mainland and overseas transfer, FPS x PromptPay QR Payment.

     

    Please note, CNY transfers to same name account in mainland China will be subject to a daily limit of CNY80,000 based on CNY transfer regulations. For details, please refer to FAQs of Cross-Border Transfer.

    Currently, we don't provide future dated and recurring payment services for Global Money+.

    The estimate time of arrival depends on the designated countries / regions. It generally takes 1 business day to transfer local currency to designated countries / regions. For other transactions, it generally takes 1-3 business days.

     

    The estimated time of arrival required for the transaction will be displayed on the review screen prior to payment completion. This information will also be shown on the confirmation screen for reference after you have completed the payment.

    Global Money+'s fees and charges differ depending on the type of transfer:

    • For transfers in local currency to designated countries / regions, no fees will be charged
    • For other transfers, a fee of HKD160 or its equivalent will be deducted from your debit account

    Please note, some beneficiary and/or correspondent banks may still charge additional fee to payee when they process the transaction.

    Some countries / regions may have specific requirements for fee-free service. For example, when transferring to Australia, the beneficiary account number should be 6-9 digits; when transferring to New Zealand, it should be 10 digits. When transferring to the United States, the charges may vary depending on payee's information. During the transfer process, the fee information will be shown on the page before you confirm the transfer. For details, please refer toBank Tariff Guide for Hang Seng Wealth and Personal Banking Customers

    Payees don't need to pay fees for Global Money+. However, some beneficiary and/or correspondent banks may still charge a fee to the payees. Payees need to check with relevant banks on what these charges are.

    Depending on the countries / regions you are transferring to, you need to provide the following information:

    • Bank code*
    • SWIFT BIC
    • IBAN (International Bank Account Number)
    • Account number
    • Payee full name
    • Payee address
    • Purpose of payment

    *Some common bank code are

    Payee bank country

    Clearing number code

    Input format (Omit “-“)

    Australia

    BSB number

    6 digits (e.g. 063243)

    Canada

    Institution number & Transit number

    3 digits (e.g. 016)

    5 digits (e.g. 10129)

    New Zealand

    National clearing code

    6 digits (e.g. 010147)

    United Kingdom

    Sort code

    6 digits (e.g. 4 0 0 5 1 5)

    United States

    ABA Routing number

    9 digits (e.g.)

    You can't amend or cancel a Global Money+ transfer that has already been made.

     

    If you'd like to recall the payment, you have to contact our remittance hotline at (852) 28220228 (Press #-1-7-4 after choosing language) for assistance. Once we receive your request, we'll request the beneficiary bank to recall the transfer on your behalf. The result will depend on the beneficiary bank's decision, and we can't guarantee you can get the money back. 

    We can't track the arrival time of the transfer, but you'll receive notification when the transfer amount is debited from your bank account.

    If you've submitted the transfer instruction, but the payee hasn't received the transfer amount within a reasonable time. It may be because the local clearing process of the beneficiary bank takes time. Please check with the beneficiary bank or call our remittance hotline at (852) 2822 0228 (Press #-1-7-4 after choosing language) to provide the transfer details for us to follow up.

    • Remitter details - Remitter full name and account number
    • Payee details - Payee full name and account number
    • Transaction details - Transaction date, transfer number and amount

    If your transfer is rejected by the beneficiary bank, the transfer amount will be refunded and credited to your account. For the refund time, it depends on the processing time of the beneficiary bank, and you'll be notified when the refund is made.

    If the Global Money+ transfer involves foreign exchange, the page will display real-time exchange rates updated every 60 seconds (except for CNY). Before completing the transfer, we'll ask you to confirm the exchange rate and other payment details. You'll be notified if the exchange rate has been refreshed. Make sure you check the exchange rate again before confirming the transfer.

     

    For transfers involving foreign exchange of CNY, the actual debit amount and exchange rate will be calculated based on the exchange rate on the execution time of your transfer.

    You can add a new payee during the transfer process of Global Money+. After entering account details of the payee, choose "Add as registered payee" and set the maximum daily transfer limit. The instruction to add new payee will be displayed on the verification page for your confirmation. 

    If you submit instruction to add a new payee or raise the daily transfer limit of a registered payee before 9:00 p.m. (HKT) from Mon to Fri or 6:00 p.m. (HKT) on Sat, it will be effective on the next working day. Instruction submitted out of the cut-off time or on public holiday will be effective in the next 2 working days. 

    Transfer by other channels

    You can submit your transfer instruction online by using Hang Seng Personal e-Banking, make use of our branches or Phone Banking. We offer a preferential transfer charges if you submit the payment online.

    If you would like to submit your transfer application via our branches, you may fill in our Remittances Smartform, a PDF version of transfer application, then print, sign and submit via our branches.

    You can transfer money in 16 currencies via Hang Seng Personal e-Banking, our branches or Phone Banking. The bank may add or delete the currency from time to time. For full details, please visit our currency converter to view the latest foreign exchange rates. 

    Currency

    Code

    Australian Dollar

    AUD

    Canadian Dollar

    CAD

    Danish Kroner

    DKK

    Euro

    EUR

    Hong Kong Dollar

    HKD

    Japanese Yen

    JPY

    New Zealand Dollar

    NZD

    Norwegian Kroner

    NOK

    Pound Sterling

    GBP

    Renminbi

    CNY

    Singapore Dollar

    SGD

    South African Rand

    ZAR

    Swedish Kroner

    SEK

    Swiss Franc

    CHF

    Thai Baht

    THB

    US Dollar

    USD

    Application submitted via

    Daily Limit

    Hang Seng Personal e-Banking

    The daily maximum fund transfer limit for registered account via Hang Seng Personal e-Banking (Desktop version) or Hang Seng Mobile App is HKD1,500,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong registered bank accounts through FPS or CHATS.

     

    You can register your Hang Seng China account under Limit / Payee Maintenance section or during the submission of the Cross-Border Transfer instruction. Registered Account instruction will be effective on next working day when submitted before 9 pm from Monday to Friday or 6 pm on Saturday. Instruction will be effective in two working days when submitted after 9 pm from Monday to Friday or 6 pm on Saturday or on Public Holiday.

     

    If you do not register your self-named Hang Seng China account, the daily maximum fund transfer limit for non-registered account via Hang Seng Personal e-Banking (Desktop version) or Hang Seng Personal Banking mobile app is HKD400,000. The limit is shared by (i) Cross-Border Transfer, (ii) fund transfers to non-registered third-party Hang Seng Hong Kong Accounts, (iii) remittances and (iv) fund transfers to other Hong Kong non-registered bank accounts through FPS or CHATS.

     

    For transferring Renminbi to mainland China, please refer to the questions under the part of “Mainland China transfer” in FAQs below.

     

    The mainland & overseas daily transfer limit is HKD1,500,000, and only applies to transfer payee outside Hong Kong. The transfer amount may also subject to registered payee daily transfer limit, non-registered payee daily transfer limit (please refer to the above paragraph) or small value daily transfer limit, whichever is lower.

     

    Mainland & overseas daily transfer limit is applicable to mainland and overseas transfer, FPS x PromptPay QR Payment.

     

    Please note, CNY transfers to same name account in mainland China will be subject to a daily limit of CNY80,000 based on CNY transfer regulations. For details, please refer to FAQs of Cross-Border Transfer.

    Branches

    No specific limit

    Phone Banking

    HKD100,000 for non-registered payee

    Yes, you can apply through our branches or phone banking to place a Standing Instruction to remit a designated amount of money regularly (e.g. monthly or quarterly) to a designated payee by debiting a designated account maintained with Hang Seng Bank. The set-up fee for each Standing Instruction is HKD100. Transfer charges per executed transaction are the same as those on normal applications submitted at branches or phone banking.

    Different remit currency is subject to different cut-off time. Typically, it will send on the same business day if it is submitted before the cut-off time. Otherwise, it will be sent the next business day. For details, please refer to Outward Remittance & CHATS Services Cut-off Timetable.

    You can submit overseas transfer instruction to our branch or phone banking on Saturdays. All instruction submitted within office hours will be processed on the same day except that:

    • HKD transfer instruction to any country / territory received on a Saturday will be processed on the following business day; and
    • Transfer instruction in currencies other than HKD submitted to our branches on Saturday will be processed on that day or on the following business day of both Hong Kong and payee’s country / territory, subject to the operation and practice adopted by the payee’s country / territory clearing bank / payee’s country / territory correspondent bank. It will not be processed by the payee’s country / territory clearing bank during holidays in the payee’s country / territory.

    The funds will be debited from the account prescribed by you on the processing day of the instruction which will be the same day or the following business day after you have submitted your instruction. (For details, please refer to Outward Remittance & CHATS Services Cut-off Timetable.)

    The time when the payee receives the funds will depend on the processing time of the intermediary bank(s) / payee’s bank or its branches. Funds are usually transferred within 1-4 business days.

    However, it may take longer for payment to countries / territories where exchange control is in place, where it is the payee bank's requirement to release funds upon contact with the payee, or if the payment has to go through a number of banks and branches.

    Our Bank will send out the transfer instruction to the payee’s bank as usual, but it may not be processed by the clearing bank of the payee’s country / territory during holidays in its country / territory, subject to the operations and practices adopted by the clearing bank / correspondent bank of the payee’s country / territory.

    Corresponding bank charge is not included. For more information, please refer to Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.  

    Transfer to a payee account with

    Currency

    Charge (Per transaction)(including "Handling Charge" & "Cable Charge")

    Via Hang Seng Personal e-Banking

    Via Branches, Phone Banking and Standing Instruction Footnote remark square bracket  [6]

    Hang Seng in mainland China / Macau*

    Any

    HKD65

    HKD190

    Another bank in mainland China / Hong Kong / Macau / Taiwan*

    Any

    HKD230

    Other countries / territories

    HKD / Local Currency

    HKD230

    Non-Local currency

    HKD270

    *We charge HKD0 for transfer to Mainland China in CNY via Hang Seng Personal e-Banking

    Each bank has its own tariff and the pricing is subject to change periodically. 

    If the transfer instruction has not been sent, no handling or cable charge will be payable; otherwise, HKD200 (handling charge) plus HKD100 cable charge, if applicable and foreign bank charge (if applicable) will be payable. Losses relating to changes in exchange rates may be incurred for instruction reversal of transfers involving foreign exchange.

    Please refer to Part B: “Remittances and Foreign Exchange Service” > “Outward Remittances” of the Banking Services Fees and Charges for details.

    You may call our Remittance Hotline at (852) 2123 1088 or approach our branches and provide the overseas transfer details as below:

    • Remitter details - Remitter full name and account number
    • Payee details - Payee full name and account number
    • Transaction details - Transaction date, transfer number and amount

    The Bank's charge for each cable inquiry is HKD100 (if applicable) plus foreign bank charge (if applicable) (minimum HKD250 as handling fee per enquiry).

    SWIFT refers to Society for Worldwide Interbank Financial Telecommunication. SWIFT BIC is a Bank Identifier Code (8 or 11 alphanumeric characters) used in interbank telecommunication to ensure the transfer message can reach the correct payee bank. For example, HASEHKHHXXX represents Hang Seng Bank Limited (Hong Kong), while HASECNSHHSH represents Hang Seng Bank (China) Limited, Shanghai Branch.

    Fedwire number / ABA number is an identifier (clearing number) of a domestic bank in the USA.

    IBAN stands for International Bank Account Number. Some European Banks only accept IBAN for transfer processing. The first two letters represent the Country / territory code, followed by check digits, identifier codes of account holding bank / branch, and customer account number. The maximum length is 34 digits.

    To register a new payee account: Please apply in person at any of our branches. To delete an existing payee account, please go to “Customer Service” > “Account Maintenance” > “Registered Account List / Limit” and then click “Delete” to remove the old registered account.

    Different countries / territories have their own local clearing code for processing the transfer. Here is the information of local clearing code that we support for some countries / territories.

    Payee bank country

    Clearing number code

    Input format (Omit “-“)

    Australia

    BSB number

    6 digits (e.g. 063243)

    Canada

    Routing number

    9 digits

    (e.g. 001600002)

    Germany

    BLZ code

    8 digits (e.g. 67270003)

    United Kingdom

    Sort code

    6 digits (e.g. 400515)

    United States

    ABA number

    9 digits (e.g.021000089)

    Track my remittance

    You can track the progress of your outward remittance except Global Money+ from Hang Seng to other overseas banks via Track My Remittance service, while inward remittance to Hang Seng cannot be tracked.

    Your overseas outward remittance instructed in all channels, including e-Banking, Branch and Phone Banking except Global Money+, can be tracked under Track My Remittance. No additional service fee shall be charged for Track My Remittance in additional to remittance instruction setup service fee.

    Each remittance instruction shall have one Unique End-to-end Transaction Reference (UETR). It is a unique reference number shared across all banks. You can use this reference number to check your remittance status with other banks.

    CNY outward remittance is processed via Cross-border Interbank Payment System (CIPS). Under related CNY remittance restriction, we are not able to provide remittance bank information on CNY remittance to banks in China.

    Yes. Track My Remittance is applicable for remittance from Hang Seng Bank to other overseas banks, while remittance to Hang Seng China is not applicable.

    If a remittance bank is not registered under SWIFT Global Payments Innovation (GPI) network, the processing status of that remittance bank will not be displayed under Track My Remittance.

    Mainland China transfer

    You can remit Renminbi through your personal Renminbi account maintained with Hang Seng Bank to your personal same name Renminbi account in Mainland China if you are an individual customer (i.e., not a commercial customer). The daily limit is CNY80,000 for a Hong Kong Identity Card holder in accordance with current CNY Transfer Regulations (If the remittance is used to pay for property purchase price/mortgage repayment of the residential property in the Greater Bay Area, it is not subject to the daily maximum remittance amount limit).

    Transfer to mainland China or other places outside Hong Kong for a non-Hong Kong Identity Card holder is subject to local rules and requirements of mainland China or the relevant jurisdictions. Overseas transfer may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned transfers.

    Purpose of payment is required for CNY remittance to Mainland China. Please refer to Purpose of Payment Category for details.

    The charge is HKD0 via Global Money+, or HKD65 via Hang Seng Personal e-Banking or HKD190 / HKD230 via branches, Phone Banking and Standing Instruction. Corresponding bank charge is not included.

    For more information, please refer to Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers regarding privileges for the Integrated Account of Prestige Private/Prestige Banking. 

    If Hong Kong and Macao residents purchase new and second-hand residential properties in 9 cities in the Great Bay Area: Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, and Zhaoqing, and pay for related mortgage repayment /property purchase price (including deposit, security deposit, down payment, full payment, public maintenance fund, home purchase related taxes and liquidated damages, etc.), this remittance is not subject to the daily CNY remittance limit.

    Currently, this remittance service is only available at branch with no need to make appointment in advance.

    Inward Transfer

    A hardcopy advice will be printed on the next business day after the transfer reaches your account and will be mailed to you.

    For Hang Seng Personal e-Banking customers, you will receive an Inward Remittance e-Advice when funds are successfully transferred to your accounts. The advice(s) will be kept for 30 days from the advice(s) delivery date. After that, the advice(s) will be automatically deleted.

    Moreover, you can also set up e-Alert Service which will notify you of an inward payment of any amount or a specified amount credited to your registered account. Please note that the credit amount is the net amount after deduction of charges, if any.

    You must register for the e-Alert Service via Personal e-Banking. The e-mail e-Alert service is free of charge, but the SMS e-Alert service is chargeable. Log on to Hang Seng Personal e-Banking then go to "e-Services" > "e-Alert" for details of the e-Alert Service Plan and Charges.

    Due to exchange control, inward CNY transfer will happen if a Hong Kong Identity Card holder has previously sent a transfer to his / her account in mainland China from his / her CNY account in Hong Kong. In such cases, the customer will be allowed to send back a CNY amount not exceeding the original transfer amount to his / her CNY account in Hong Kong with prior approval from the relevant authorities in mainland China. Transfer from mainland China or other places outside Hong Kong for the non-Hong Kong Identity Card holder is subject to local rules and requirements of mainland China or the relevant jurisdictions.

    Under normal circumstances, funds will be credited to a customer’s account on the same day if the transfer instruction from the transferring bank is received before the cut-off time on a business day (5:30 p.m., Monday through Friday; 11:00 a.m. on Saturdays; excludes public holidays)

    For the funds remitted directly from a foreign bank, the bank charge is waived. For more information, please refer to Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.  

    General information: You should provide the remitter with your account information, including account holder's name, bank's name e.g., Hang Seng Bank Limited, and account number as well as Hang Seng Bank’s SWIFT code, which is HASEHKHH.

    Outward Transfer from the USA: For transfer from the USA, you should also provide our CHIPS No. 010522 in addition to your account information and Hang Seng Bank’s SWIFT code.

    Or you can simply download the Transfer Template and e-mail / fax to the payee.

    Please refer to our smart tips for inward payments.

    It is vital to provide complete and accurate account information to the remitter. Otherwise, the transfer may be delayed or rejected. If Hang Seng Bank is able to identify that you are the payee of a transfer with incorrect payee details such as account number and name, we may ask you to inform the remitter to make an amendment via the correspondent bank. You can call our Remittance Hotline at (852) 2123 1088 to check the status of your transfer.

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    Cross-Border View and Transfer

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    Overseas Transfer via Hang Seng Personal e-Banking

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    Need help?

    Call us

    (852) 2822 0228

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    Find your nearest branch

    Footnote

    Remark(s)

    1. You need to download Hang Seng Mobile App to use Global Money+ for overseas transfers. Global Money+ is only applicable to Hang Seng Prestige Private, Prestige Banking, Preferred Banking, Integrated Account, Family+ Account or Savings / Current Deposit Account.
    2. Please check the FAQs for details on services and charges.
    3. We'll update the list of the eligible countries or regions and local currency from time to time.
    4. 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.
    5. 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.
    6. Transfer instructions received before the cut-off times as specified by us may not be processed on the same day unless the applicant / remitter submits the transfer instruction on or before 12:00 noon, Mon to Fri (except public holidays) via our branches or chooses the same-day processing service.