Digital Banking Made Easy | Hang Seng Bank

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!

Account Security

Transfer FAQs

Tax Filing

Mobile Banking

Global Football Event

Credit Card ExclusiveReward Management

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!

1 Hassle-free new device setup: Hong Kong ID + selfie

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.

Reminder:

We are gradually replacing SMS OTPs with other identity verification methods to prevent interception by hackers and enhance security!

2 Activate biometric authentication and easily log on to Hang Seng Mobile App

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.

3 Level up your security by authenticating transactions and your identity with Hang Seng Mobile App

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.

4 Get instant updates on your account with push notifications

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.

5 Check your account activity regularly to stay in control

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.

6 Strengthen your security by changing your password regularly

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.

7 Keep your Hang Seng Mobile App updated to the latest version

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.

Extra peace of mind

If you have idle funds, consider putting them in a "Money Safe" account. It's like locking your money away in a personal safe. This not only provides extra protection for your savings but also helps reduce potential losses from scams – hitting two birds with one stone!

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

Terms and Conditions apply to the service.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

This episode of "Digital Banking Made Easy" compiles common transfer-related queries, such as not knowing how to set transfer limits, failed transactions, and whether there are hidden charges for overseas transfers, and breaks them down for you one by one.

1 With so many types of transfer limits, which one should I set?

Setting appropriate transfer limits helps ensure transaction security. You may refer to the table below to determine suitable limits based on factors such as transfer frequency, amount, and the recipients' trustworthiness.

Scenario	You should set up	Features
Occasional small transfers e.g. splitting dinner bills, paying small shops Send money to friends and family using JustPay's 'Sweet Pay' feature with voice recordings, themed animations, and customised messages, or give e-laisees.	Small value daily transfer limit (Amount: HKD 1 - HKD 10,000)	Simple operation No extra verification needed
Occasional larger transfers e.g. paying to electrical appliances, splitting travel expenses with friends	Non-registered payee daily transfer limit (Amount: HKD 1 - HKD 400,000)	Higher transfer amounts allowed Extra verification for security
Frequent transfers e.g. family, schools, management fees High-value transfers e.g. property down payments, luxury purchases	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.	Save time—no repeated data entry and extra verification Highest online transfer limit

Guide for setting transfer limits: Go to the Hang Seng Website > Digital > Digital Guide > Settings & Security section's "How to update transfer limit"

2 Already set a daily transfer limit but still can't complete the transfer?

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.

Reminder:

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

3 Are overseas transfers free? Any hidden charges?

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.

4 Both autopay and recurring transfers are available on Hang Seng Mobile App. What's the difference between them?

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.

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

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.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

As the tax filing period approaches, completing your tax return can be a headache for many employees. In this edition of "Digital Banking Made Easy", we'll show you how to use the Hang Seng Mobile App to prepare your tax information more easily and efficiently, helping reduce the risk of omissions or errors.

1 Access your annual income records in one place for easier form filling

Before filing your taxes, it's essential to prepare your annual income records. Typically, employers will complete the Employer's Return (Form IR56) to report employees' income.

If you want to organise your tax information before receiving your IR56 copy, you can log on to the Hang Seng Mobile App anytime to download e-Statements and review your salary income, as well as other reportable income such as part-time earnings. This helps you complete your tax return more easily while reducing the risk of missing any income.

🔔Reminder:

Please note that the salary figures shown in the app may already have deductions such as MPF, ORSO, or other contributions applied. These figures are for reference only. For official tax filing, you should rely on your employer-provided IR56 form or annual payroll statements to ensure accuracy.

2 Easily verify tax deductions and avoid missing eligible deductions

Hong Kong offers various tax deductions, including home loan interest, domestic rent deductions, self-education expenses, and qualifying deferred annuity premiums.

You can use the Hang Seng Mobile App to check and verify some of these deductible items. Below are some common scenarios:

Scenario 1: Home loan interest

If your mortgage is with Hang Seng, you can review the interest paid during the relevant year of assessment.
Log on to Hang Seng Mobile App > select "Account Services" from the left menu > "e-Statement / e-Advice" > choose your mortgage account under "Instalment Loan" > "Mortgage Loan - Annual Statement of Instalment Loan Account"

Scenario 2: Qualifying deferred annuity premiums

If you purchased a qualifying deferred annuity policy through Hang Seng, you can check the premiums paid during the year of assessment.
Log on Hang Seng Mobile App > select "Account Services" from the left menu > "e-Statement / e-Advice" > choose the relevant annuity policy and view the annual summary.

3 Download supporting documents anytime for peace of mind

The Inland Revenue Department may conduct random checks on claimed allowances and request supporting documents.

For example, if your claim for dependent parent allowance is reviewed, and you support your parents through bank transfers or regular cash withdrawals from your Hang Seng account, you can easily retrieve e-Statements from the app as proof, without the hassle of searching for physical documents.

Got an issue and want instant help?

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.

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

Terms and Conditions apply to the service.

Remarks:

You must meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at www.ia.org.hk.

The following information is for general reference only. Please don't consider it as tax or legal advice. Hang Seng Bank, our branches and subsidiaries ("Hang Seng") don't guarantee that it is accurate and complete. We are not responsible for any errors and are not liable for any loss or damage that results from reliance upon this information. Please seek professional legal and tax advice specific to your own situation.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

Just after Mother's Day, Father's Day is right around the corner. More than gifts, spend time with the elders around you and understand their daily needs. In this episode of "Digital Banking Made Easy", we'll walk you through common banking concerns among elderly customers and share practical Hang Seng Mobile App tips to help them manage their finances with greater independence and worry-free confidence.

Want to transfer money anytime, anywhere—but worried about entering the wrong details?

Many people feel uneasy about making transfers on their phones, fearing mistakes, so they would rather queue at a branch even in hot weather. In fact, you can make transfers easier and safer with these features:

Set up “Favourite payees”: Add family and friends to your list so you can complete transfers in just a few taps.

Enable push notifications¹: You will receive an instant notification after a transfer, making transfers more secure and worry-free.

Fraud alert: If a payee account is 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. Also, the system may alert you if a transaction deviates from your usual transfer habits.

Want to use mobile banking but don't know where to start, and worry it's too complicated?

You may consider using Hang Seng Mobile App – Simple Mode. The interface is simpler and clearer, making it easier to get started:

All essential features included: View account balances, transactions and e-Statements; set up time deposits; deposit cheques via mobile.

Secure to use: Users can only transfer funds to Hang Seng accounts under their own name, reducing the risk of sending money to the wrong person.

Caring online support: If you encounter any unexpected banking issues, you can easily enquire about or report suspicious transactions with just one tap at any time.

Tip

Enable biometric authentication (fingerprint / facial recognition) to log on Hang Seng Mobile App quickly without needing to enter a password. This reduces the hassle of resetting passwords and helps prevent others from seeing your password. Seniors can use it with greater peace of mind.

Updating your passbook at branch is not convenient, but you are worried about losing records if you don't.

Passbook customers who have not yet registered for e-Banking can apply for Hang Seng e-Passbook. It allows you to keep the habit of updating your passbook while simplifying the process. With just a simple tap – place the e-Passbook at the back of your mobile phone – you can check your account status anytime, anywhere. You can even "update your passbook" at home, upgrading the traditional passbook banking experience:

Convenient: Check your HKD Passbook Savings Account balance, transaction history from the past 2 years, and request records from the past 7 years anytime, anywhere, including net back items.

Secure: Records can only be accessed via the designated mobile and e-Passbook, which are previously bound at the branch, ensuring greater security and peace of mind.

Easy to use: View your account status in one tap. The interface is clean and clear, with support for Chinese and English descriptions², large font design, and “Landscape View” for a more comfortable reading experience.

While spending time with the seniors around you, feel free to share the above practical mobile banking tips for Hang Seng Mobile App with them. This will help them become more independent and worry-free when handling their daily banking tasks.

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

Services are subject to terms and conditions.

Remarks:

To receive push notifications successfully, you'll need to enable "Notifications" on your mobile device and ensure a stable mobile or Wi-Fi network connection.
Only applicable to common transaction types.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

The global football event is in full swing. With more opportunities for travel, and gatherings during the event, this edition of "Digital Banking Made Easy" will share some self-service solutions and safety tips for several common banking situations in Hang Seng Mobile App.

Handling
Various
Emergencies

Flying abroad to watch the global football event in person and suddenly find out your credit card or debit card is missing? Log on to Hang Seng Mobile App to block your card immediately to prevent transactions. Once confirmed, report the loss as needed.
Receive a suspicious transaction notification while out or traveling? Report it instantly with just a few taps in Hang Seng Mobile App to minimise potential losses.
Need instant banking support? Simply ask general banking questions through our virtual assistant H A R O, or connect directly with our customer service via "Live Chat".
Need to make a late night transfer or payment? Easily check your account balance, make transfers, pay bills, and settle the card balance using Hang Seng Mobile App.

Simplifying
Money Transfers &
Bill Splitting

Watching a game, ordering takeout, or splitting bills with friends? Use JustPay to split the bill and generate a dedicated QR code. Just share it and receive money with ease!

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

Services are subject to terms and conditions.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

Managing your Hang Seng credit card rewards is simple.
In this edition of "Digital Banking Made Easy", we’ll show you how to use +FUN Centre in Hang Seng Mobile App to register for reward programmes, track your progress, and redeem e-Coupons or convert points to +FUN Dollars.

After logging on to Hang Seng Mobile App, tap the " +FUN

" icon at the top right corner of the homepage to enter +FUN Centre to register +FUN Dollars

reward programmes for your MMPOWER and Travel+ cards.
You can also check your registration status and offer details anytime. It’s simple and convenient.

Track Your Spending Progress

Want to know how much more you need to spend to unlock your rewards? Go to +FUN Centre to check the spending progress of your +FUN Dollars

reward programmes and credit card welcome offers, so you can view your progress at a glance.

Redeem e-Coupons with +FUN Dollars

In +FUN Shop, you can use +FUN Dollars

, or a combination of +FUN Dollars

and credit card payment, to redeem e-Coupons from various merchants.
Offers are updated from time to time, so you can always check for the latest deals and discover more options that you’ll love.

Convert Points to Unlock More Rewards

The use of +FUN Dollars

is now open to enJoy Card! Simply bind your enJoy card in the yuu

App, then convert your yuu

Points to

within the app to unlock amazing +FUN Dollars

rewards.
All your converted +FUN Dollars

can be centrally managed in +FUN Centre, keeping everything clear and convenient.

Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!

Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!

Remark:

Android, Google Play and the Google Play logo are trademarks of Google LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.

Scenario 1: Home loan interest

Scenario 2: Qualifying deferred annuity premiums

Handling Various Emergencies

Simplifying Money Transfers & Bill Splitting

Handling
Various
Emergencies

Simplifying
Money Transfers &
Bill Splitting