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!

Episode 1:
Lost card/ Fraud?
Episode 2:
Transfers & Bill Payments
Episode 3:
Safe Setup for New Phone
Episode 4:
Shopping Safety
Episode 5:
New Features Review
Episode 6:
Account Security
Many people encounter unexpected situations related to bank services that require immediate action. With Hang Seng Mobile App, you can handle them with ease!
Situation 1
Lost Credit/Debit Card – What should you do?
Log on to Hang Seng Mobile App to block your credit/debit card immediately to prevent transactions, giving you time to decide whether to report it as lost.
Few Steps to Block Your Card
Few Steps to Block Your Card
1
Logon to Hang Seng Mobile App
2
Tap "Settings & Security" from left menu
3
Tap "Block/ unblock card"
4
Select your card to temporarily block/unblock > Click "Confirm" to block it
Hey! Found the card!
No Problem! Simply follow the steps above to unblock it, and you can continue using it normally.
Oh no… I really can't find the card…
Follow the steps above to apply for reporting it as lost in "Settings & Security" to secure your account, and you can also apply for a replacement card at the same time!
Situation 2
What should you do if you receive a suspicious transaction notification?
As soon as you see a suspicious transaction notification on your phone, remember to report it immediately!
If it's a suspicious credit/debit card transaction, log on to Hang Seng Mobile App to block the card first to avoid further losses from potential fraud, and then report the suspicious transaction.
If it's an unauthorised bank account transaction, you can also log on to Hang Seng Mobile App to report it.
Few Steps to Report Unauthorised Transactions
Few Steps to Report Unauthorised Transactions
1
Logon to Hang Seng Mobile App
2
Tap "Settings & Security" from left menu
3
Tap "Report suspicious transactions"
4
Choose transaction type and submit your report
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.

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.
Managing bills like rent, utilities, and insurance can be challenging. When back-to-school season arrives with school fees and textbook costs, it's easy to miss payments in the chaos. This episode of "Digital Banking Made Easy" teaches you how to pay various bills with just one app, along with sharing transfer tips to make bill payments and transfers a breeze!
Set Up DDA to Avoid Late Fees
You don't need to visit a branch to set up a DDA (Direct Debit Authorization). With Hang Seng Mobile App, you can set up, modify, or cancel DDA anytime, anywhere. Enjoy automatic payments for timely bill settlements and skip the hassle of queuing at branches!
How to set it up:
How to set it up:
1
Log on Hang Seng Mobile App
2
At the bottom menu, select "Transfer & Pay" > "Set up a direct debit" > "Set up new authorisation"
3
Set up by searching for the Merchant name / Phone / Email / FPS ID or Account number
4
Enter the required information and confirm the details
24/7 Transfer limit setup made simple and secure
Setting appropriate transfer limits helps ensure transaction security. You can customise your limits based on factors like transfer frequency, amount, and recipient trustworthiness.
Scenario
You should set up
Features
Occasional small transfers, e.g.:
  • Occasional payments to small vendors
  • Splitting bills with friends after gatherings
 Small value daily transfer limit
(Transferable amount ranges from HKD1 – HKD10,000)
  • Quick & convenient
  • No extra verification needed
Occasional larger transfers, e.g.:
  • Payments to merchants with larger bills (e.g. electronics, furniture)
  • Reimbursing friends for travel expenses (e.g. flights, hotels)
Non-registered payee daily transfer limit
(Transferable amount ranges from HKD1 – HKD400,000)
  • Higher transfer amounts allowed
  • Extra verification for security
  • Regular payments, e.g. family, schools, tutors, property management or
  • High-value transactions, e.g. property down payment, luxury purchases
  • Registered payee daily transfer master limit; and
  • Individual registered payee daily transfer limit
(Transferable amount ranges from HKD1 – HKD1,500,000)
*If this is your first time transferring to the recipient, remember to add them as a registered payee during the transfer.
  • Save time—no repeated data entry and extra verification
  • Highest online transfer limits
How to set your transfer limit:
How to set your transfer limit:
1
Log on Hang Seng Mobile App
2
Click "Settings & Security" in left-hand menu, then tap "Transfer & Pay" > "Set transfer and payment limits"
3
Select the transfer category you want to set
4
Enter the daily transfer limit, then click "Update limit" to save
*To configure daily transfer limits for individual registered payees, please click "Manage Payee" after "Transfer & Pay" in Step 2
$0 handling fee for transfers to Mainland or overseas
Whether it's paying daily expenses in Mainland or overseas, Hang Seng Mobile App makes it easy for you!
Scenario
Available features
Features
Transfer HKD10,000 or below1 (or equivalent) to Mainland2 Payment Connect
  • 24/7 transfers anytime almost instantly
  • $0 handling fee
  • Instant RMB currency exchange
Transfer over HKD10,000 or equivalent to Mainland Global Money+
  • Estimated arrival time: 1 to 4 working days
  • $0 handling fee (Applicable to RMB transfers)3,4
Transfer overseas Global Money+
  • Transfer funds in local currency to over 50 designated countries or regions5 with $0 handling fee, arriving the same day fastest
How to transfer to Mainland or oversea:
How to transfer to Mainland or oversea:
1
Log on Hang Seng Mobile App
2
At the bottom menu, select "Transfer & Pay" then choose "Mainland & overseas"
3
To transfer to Mainland, select "To mainland account" and follow the on-screen instructions
4
To transfer overseas, select "Global Money+" and follow the on-screen instructions
Reminder!
If you want to transfer to Mainland or overseas, remember to set your daily transfer limit for Mainland and overseas first!
More Secure Transfer Features You Should Know
Fast and secure payment with "Scan to pay"

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!

Transfer scam protection for your safety

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:

  1. 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.
  2. 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.
  3. If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
  4. Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.
  5. 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.

  • 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.
Thinking of getting a new phone but not sure how to set up your Mobile Banking App? Or maybe you lost your phone and want to unbind it? This episode of "Digital Banking Made Easy" walks you through everything and shows you how to add card to e-Wallet for an even simpler and safer tap-to-pay experience!
Set up Hang Seng Mobile App on your new phone with ease!
Before switching to a new phone, log on to Hang Seng Mobile App on your old phone to remove it, then activate Mobile Security Key on your new phone and log on seamlessly for secure banking.
Re-verify on your new phone
Re-verify on your new phone
1
Log on to Hang Seng Mobile App on your old iPhone
2
From the left menu, select "Settings & Security"
3
Go to "Device & App Settings" > "Manage Device" and remove the old device
4
On your new phone, download Hang Seng Mobile App
5
Follow instructions to verify your identity with your HKID
6
Set up your "6-digit PIN", and you're ready to log on to Mobile App
*Please ensure that the mobile number and email address registered with the Bank are up to date in order to complete verification.
Tip 1:
If your phone is lost or damaged, simply log on to Personal e-Banking (Desktop version), go to "Settings" > "Security-related" > "Manage Device" to remove the old device. After that, you can continue from Step 4 to verify your identity and complete the setup, then log on to the Mobile App on your new phone.
Tip 2:
After setting up your "6-digit PIN", you may enable biometric authentication to log on more quickly using fingerprint or facial recognition. You don't have to enter your password each time, while further safeguarding your account against password leakage.
Why do I need to remove my old device?
To protect your account security, each customer can only bind and log on to Hang Seng Mobile App on one mobile device at a time. You can also follow our monthly shared security tips to complete the setup, stay updated on your account activities, and strengthen protection.
Add your credit cards to your mobile wallet for easier, safer payments
Add your Hang Seng Credit Card to Apple Wallet or Google Wallet to enjoy seamless, contactless payments at physical stores or online — quick, secure, and convenient.
Add your credit card to mobile wallet
Add your credit card to mobile wallet
1
Log on to Hang Seng Mobile App
2
On the "My Credit Cards" page, select the card you wish to add, then tap "Add to Apple Wallet" or "Add to GPay"
3
Complete SMS verification, review your card details, and read the Terms & Conditions
4
Once successfully added, your card status will show as added to mobile wallet on the "My Credit Cards" page
Remember to log on to the Hang Seng Mobile App regularly to review your transaction history. We also recommend enabling Push Notifications to receive important credit card updates, such as "card-not-present transaction" alerts and payment due reminders, so you can stay in control of your account with confidence.
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.

Terms and Conditions apply to the service.

To borrow or not to borrow? Borrow only if you can repay!


  • 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.
Double 11, Black Friday, and more mega online shopping events are coming! Hang Seng Mobile App has always valued your feedback. Ahead of the peak shopping season, we have upgraded multiple spending and transfer features together with our existing security functions, so you can shop with greater peace of mind. Check out this episode of "Digital Banking Made Easy" to learn how to shop safely with Hang Seng Mobile App!
Before You Shop
familiarise yourself with app features below
to enhance protection
Want to stay on top of your account activities?
Turn on Push Notifications to receive instant updates anytime, anywhere — whether it's for card-not-present (CNP) transactions or credit card limit utilisation alerts. Stay informed with ease and spot any suspicious activity early.
Running out of credit limit when making a payment?
With Hang Seng Mobile App, you can transfer or change credit limit, and set "card-not-present" transaction limit — giving you greater flexibility and control, whether you're making everyday spending or large purchases.
Worried about online shopping scams?
Hang Seng Mobile App helps enhance your protection. When you make a transfer to a merchant using the App, the system will alert you before confirming the transaction if the payee account is found suspicious (for example, previously flagged as "high risk"by Scameter). You can then choose to stop the transfer and avoid potential scams — making every payment safer and worry-free.
After You Shop
easily review transactions with the App
Can't recall a particular transaction while reviewing your spending?
Hang Seng Mobile App now offers new credit card management features, including real-time updates on your outstanding balance so you can stay on top of repayments. A new transaction details page also lets you view merchant names, foreign currency exchange rates and posting dates — helping you easily identify every credit card transaction.
Noticed an unauthorised transaction?
Log on to the App, go to the left-hand menu and select "Settings & Security." Tap "Report suspicious transactions" and choose the relevant transaction type to report it — helping you minimize loss and protect your account.
Hang Seng Mobile App introduces two new transfer features
- Paying can be thoughtful too
Splitting the bill after dining or shopping? With JustPay, you can generate your own unique QR code in just one tap for easier payment collection! You can also add a themed animation, voice & text message with emojis to make every payment a heartfelt one.
Set up recurring transfer and save more effortlessly
Want to schedule recurring transfers (standing instructions)? No need to visit a branch or make a call — you can now set them up directly on the App. Use this new feature to build your savings easily by scheduling a portion of your salary to be automatically transferred to your designated savings account on payday. Even during the peak spending season, you can stay disciplined and save with ease. Whether it's for household expenses or rent, it's equally convenient!
Tip: When making or receiving payments, always provide the correct payee's name to avoid transaction rejection.

Terms and Conditions apply to the service.

To borrow or not to borrow? Borrow only if you can repay!


  • 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 we approach the end of the year, it's time to take a look at Hang Seng's 2025 customer big data and learn how the new features on Hang Seng Mobile App help safeguard your transfers and credit card account security.
2025 Hang Seng Big Data1
Transfers
On average, each Hang Seng customer made 67 transfers throughout the year, with the number of transfers completed on Hang Seng Mobile App or Hang Seng Personal e-Banking increasing by 8% year-over-year!
Credit Card Spending
On average, each Hang Seng credit card customer made 115 credit card transactions throughout the year, with nearly 75% using Hang Seng Mobile App to manage their credit cards!
Digital Banking
Hang Seng customers logged on to Hang Seng Mobile App an average of 13 times per month!
Secure Transfer Features
Hang Seng Mobile App offers multiple layers of security authentication to provide you with greater peace of mind when making transfers. For example, additional verification is required when transferring larger amounts to non-registered payees. You can also set different transfer limits according to your needs to enhance account security. Once set up, you can enjoy the following quick and secure transfer features:
JustPay – A brand-new way to pay
Access JustPay directly from Hang Seng Mobile App homepage. You can "Sweet Pay" with themed animations, voice recording, text, and emoji along with your payment. You can even create a QR code of yours to split bills and get paid effortlessly!
$0 transfer fee to Mainland China and overseas
  • 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+.
Both services offer $0 handling fee5,6, with transfers arriving as soon as the same day — more convenient and secure.
Standing instructions
Set up standing instructions for rent, household expenses, or savings without visiting a branch or making phone calls. You'll never miss any fixed, regular payments again — fast and hassle-free!
Reminder
When transferring via Hang Seng Mobile App, if the system detects that the recipient's information is flagged as "High Risk" or linked to scam reports under the Hong Kong Police Force's Scameter, a warning will be displayed to remind you to stop the transaction to avoid potential fraud.
Secure Credit Card Management
Easily manage every transaction
The new transaction details page lets you view merchant names, foreign currency exchange rates and posting dates — helping you easily manage every credit card transaction. If you spot any suspicious activity, you can report it directly via the App.
Stay on top of your repayment status
Once you settle your credit card statement balance and the payment is successfully posted, the outstanding amount updates instantly, allowing you to keep track of your latest repayment status.
Request a replacement for damaged cards via the App
You can now request a replacement for a damaged credit card directly through the App — no need to call or visit a branch.
Reminder
You can check the expiry date of your +FUN Dollars anytime in the +FUN Centre. You may redeem eCoupons at +FUN Shop using +FUN Dollars — make the most of every reward point.
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.
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.

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
  6. Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.

  • 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 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!

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.