Check out the "Digital Banking Made Easy" series, with several episodes to help you learn more about the features of Hang Seng Mobile App and gain handy financial tips, making financial management easier than ever!
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
To borrow or not to borrow? Borrow only if you can repay!
Scenario |
You should set up |
Features |
|---|---|---|
Occasional small transfers, e.g.:
|
Small value daily transfer limit (Transferable amount ranges from HKD1 – HKD10,000) |
|
Occasional larger transfers, e.g.:
|
Non-registered payee daily transfer limit (Transferable amount ranges from HKD1 – HKD400,000) |
|
|
*If this is your first time transferring to the
recipient, remember to add them as a registered payee
during the transfer.
|
|
Scenario |
Available features |
Features |
|---|---|---|
| Transfer HKD10,000 or below1 (or equivalent) to Mainland2 | Payment Connect |
|
| Transfer over HKD10,000 or equivalent to Mainland | Global Money+ |
|
| Transfer overseas | Global Money+ |
|
Hang Seng Mobile App's "Scan to pay" feature saves your time entering bill details and helps avoid input errors. Many government bills, insurance, and telecom bills are supported!
How to use "Scan to pay"?
Open Hang
Seng Mobile App > Click "Transfer & Pay" in left-hand menu
> choose "Scan to pay" > Log on and scan the QR code on
your bill and follow the instructions to pay.
If you receive e-bills, you can take a screenshot of the QR code, then tap "Scan to pay" and select "Import from album" at the top right corner to upload the QR code!
When transferring via Hang Seng Mobile App, if the system detects the payee account has been flagged as "high risk" by Scameter from Hong Kong Police Force or is involved in reported scams, you will be warned before confirming the transfer. You should immediately stop the transaction to avoid fraud. Even if no alert appears, please carefully verify the payee's details and identity multiple times before confirming the payment to ensure safety!
Foreign exchange involves exchange rate risk. Terms and Conditions apply to the service.
Remarks:
- Payment Connect is subject to an annual limit of HKD200,000 or equivalent (applicable to HKID Card holders who select "Personal payment" as the purpose of transfer) and the "Small value daily transfer limit" of up to HKD10,000 or equivalent.
- You can transfer / receive funds with designated mainland banks via Payment Connect, including Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, etc. You can view the full list of designated mainland banks via Payment Connect on Hang Seng Mobile App.
- If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
- Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
Terms and Conditions apply to the service.
To borrow or not to borrow? Borrow only if you can repay!
to enhance protection
- Paying can be thoughtful too
Set up recurring transfer and save more
effortlessly
Terms and Conditions apply to the service.
To borrow or not to borrow? Borrow only if you can repay!
- With Payment Connect, you can transfer up to HKD 10,0002 (or equivalent) to Mainland China3 per day and enjoy instant RMB exchange.
- For transfers over HKD 10,000 (or equivalent) to Mainland China, or for sending money in local currencies to over 50 designated countries or regions4 including the UK, US, Australia, New Zealand and Canada, you can use Global Money+.
Turn on Push Notifications to receive instant updates about your credit cards, such as Credit Card Payment Due reminder and Credit Card e-Statement Issuance Notification.
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
To borrow or not to borrow? Borrow only if you can repay!
Foreign currency exchange involves exchange rate risk. Services are subject to terms and conditions.
Remarks:
- Source: Data as of 31 Oct 2025, derived from Hang Seng customers' transaction records of transfers and card spending via Hang Seng accounts from 1 Jan 2025 to 31 Oct 2025. Transfers cover local, cross-border, and overseas transfers, including transfers to accounts with the same name. The number of logons is based on the bank's internal data. The information is for reference only.
- Payment Connect is subject to an annual limit of HKD200,000 or equivalent (applicable to HKID Card holders who select "Personal payment" as the purpose of transfer) and the "Small value daily transfer limit" of up to HKD10,000 or equivalent.
- You can transfer / receive funds with designated mainland banks via Payment Connect, including Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, etc. You can view the full list of designated mainland banks via Payment Connect on Hang Seng Mobile App.
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.
- If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
- Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.
The new year is the perfect time to boost your account's
security. We have been continuously enhancing the security of
Hang Seng Mobile App to provide you a safer and more convenient
banking experience. Check out these 7 practical security tips to
see how our latest features can help protect your account!
After getting a new device, continuing to use online banking is easy! Simply use your Hong Kong Identity Card (issued on or after 26 November 2018) and a selfie to verify your identity and securely link your new device to Hang Seng Mobile App. Once the setup is complete, you'll need to verify your identity in the App for high-risk transactions to keep your account safe.
After linking your device to Hang Seng Mobile App, you can activate biometric authentication (i.e. fingerprint or facial recognition). It's a faster and more secure way to log on and verify transactions than using a password, as you won't have to worry about anyone peeking at it.
With Hang Seng Mobile App, you can securely and quickly verify your identity and authorise high-risk transactions. For example:
Online Shopping: When making a card-not-present (CNP) transaction, you can view and confirm the transaction details via App without receiving a SMS OTP, making the process safer and more convenient.
Phone Banking: You can now verify your identity via App and carry out phone banking instructions. This reduces the risk of impersonation, and even if you forget your phone banking PIN, it won't be an issue.
Once you enable push notifications, you'll receive alerts about your transactions and account updates, including transfers, credit card due repayment, and more. This helps you spot any suspicious transactions or unusual account activity early.
Make it a habit to log on to Hang Seng Mobile App. Go to "Settings & Security" > "Your Recent Activities" to track recent logons, transactions and banking activities. This helps you get a full picture of your account status and prevent unauthorised use.
Just as you exchange cash for the New Year to welcome the God of Wealth, it's important to update your passwords regularly. We recommend changing them every three months. Avoid easily guessable combinations, such as your date of birth or phone number, and never reuse the same password across different platforms.
Additionally, we have upgraded the following security measures:
- Resetting your logon password on the Personal e-Banking (desktop version): You now need to obtain a one-time security code for verification via Hang Seng Mobile App, replacing the previous method of receiving a SMS OTP to reset your password.
- Resetting your Hang Seng Mobile App "6-digit PIN": You need to use your registered device and follow the on-screen instructions, providing your account information as required to reset the PIN.
Keep your banking secure in the New Year. Remember to update the Mobile App to the latest version for an improved and more secure experience.
To help protect your account security, please remember:
- Don't install the Mobile App from third-party platforms
- If we detect a potential risk on your device, such as suspected malware, we will temporarily suspend digital banking services on that device.
Terms and Conditions apply to the service.
Scenario |
You should set up |
Features |
|---|---|---|
|
Small value daily transfer limit (Amount: HKD 1 - HKD 10,000) |
|
|
Non-registered payee daily transfer
limit (Amount: HKD 1 - HKD 400,000) |
|
|
Registered payee daily transfer limit; and Individual registered payee daily transfer limit (Amount: HKD 1 - HKD 1,500,000)
*Remember to add the recipient as a registered
payee when transferring for the first time.
|
|
Guide for setting transfer limits: Go to the Hang Seng Website > Digital > Digital Guide > Settings & Security section's "How to update transfer limit"
Even if you have set a "Registered payee daily transfer limit," a transfer would fail if the amount exceeds the individual daily limit for that specific registered payee.
When adding a new registered payee, the system defaults their individual daily transfer limit to HKD50,000. Please ensure this individual transfer limit is higher than your actual transfer amount to complete the transaction successfully.
To view the transfer limits for individual
payees, follow these steps:
Log on to Hang Seng Mobile App and select
"Settings & Security" from the left menu >
"Transfer & Pay" > "Manage payees" > select and
view / manage individual registered payees
Use Hang Seng Mobile App's Global Money+ to transfer funds in local currency to over 50 selected countries and regions1, including the UK, US, Australia, New Zealand, and Canada — with no handling fees.
If you transfer in a non-local currency (e.g., USD to the UK) or to a non-designated country/region (e.g., Japan), Hang Seng charges a transparent handling fee of HKD160 (or equivalent) — regardless of any overseas bank fees. All key information, including exchange rates, handling fees, and the total debit amount will be clearly stated during the transfer process, with no hidden charges.
Autopay / Direct Debit Authorisation
Instruction:
It authorises a designated payee to withdraw
payments from your Hang Seng account on an agreed
schedule. It is typically used for bills or merchant
payments with variable monthly amounts, e.g.,
utilities.
Recurring Transfer / Standing Instruction:
It enables you to transfer a fixed amount regularly
to another account. It is typically used for fixed
expenses, e.g., household allowance, rent.
Both transfer functions can be set up via the Hang Seng Mobile App, allowing you to amend or cancel instructions2 anytime. This saves you time from queuing at the branch.
We continuously enhance our security measures so you can manage your finances on your mobile with peace of mind.
Download Hang Seng Mobile App and register e-Banking now!
Risk Disclosure of Foreign Exchange
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.
Foreign Exchange 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, and/or in the event that
the customer converts a foreign currency time deposit to HKD
upon maturity.
Terms and Conditions apply to the service.
Remarks:
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Retail Banking and Wealth Customers.
- Customers can amend or cancel their Direct Debit Authorisation Instruction directly through the Hang Seng Mobile App. However, for Standing Instruction, the app supports cancellation only.