You can exchange foreign currency or fund-in via Remittance or Demand Draft.

For Remittance or Demand Draft, please prepare the following information before you start:

• Payee details (Name, address and bank account number)
• Our bank name: Hang Seng Bank Limited
• Our bank address: 83 Des Voeux Road Central, Hong Kong
• Our bank code: 024
• Our bank SWIFT code: HASEHKHH
• Our bank CHIPS no. (For remittance from USA): 010522

The information required from different banks may be different. For any support, please contact our customer service hotline. And there may be handling fees for these services, please refer to our latest bank tariff guide and reach the relevant settlement banks for any enquiries.

1. What is Eligible Incremental Balance?

“Eligible Incremental Balance” is the increment of the daily average balance from October to December 2025, per currency, of Eligible Deposit Account(s) as compared with the period end balance on 30 September 2025 of the corresponding currency.

• “Eligible Deposit Account(s)” refer to the Savings Account(s) in AUD and/or CAD and/or NZD and/or GBP and/or EUR maintained with the Bank in customer’s sole name or in the capacity as the primary account holder in the case of a joint account. For the avoidance of doubt, Time Deposit accounts are excluded from the Eligible Deposit Accounts.
• In respect of the “period end balance on 30 September 2025”, if the customer got a negative Eligible Deposit Account balance or did not hold any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts (“Designated Bank Account”) with the Bank on 30 September 2025, it will be treated as zero in the Eligible Incremental Balance calculation.
• In respect of the “daily average balance of October to December 2025”, if the customer did not hold any Designated Bank Account before the promotion period and opens a new personal integrated account during the promotion period, the daily average balance from the account opening date to December 2025 will be used instead.
• Remark: In the case of any fund transfer instruction received/ cheque deposited after the cut-off time of the Bank, the deposit balance will be updated on the next working day. All the related account deposit balances shall be based on the records of the Bank.

2. Illustration example of calculating Eligible Incremental Balance and offer

Assuming that a customer has the following AUD deposit balances and transactions during October to December 2025:

AUD Deposit Balances and Transactions	AUD
Deposit balance as of 30 Sep:	10,000
Deposit balance from 1 - 13 Oct (13 days):	10,000
Fund in on 14 Oct:	+100,000
Deposit balance from 14 Oct - 4 Dec (52 days):	110,000
Fund out on 5 Dec:	-10,000
Deposit balance from 5 Dec - 31 Dec (27 days):	100,000
Daily average balance of Oct to Dec (Refer to below image for calculation details):	92,934
Eligible Incremental Balance (Cap being AUD80,000): = Deposit daily average balance of Oct to Dec - Deposit balance as of 30 Sep = AUD92,934 - AUD10,000 = AUD82,934 (Note: The amount in which this offer can be enjoyed is AUD80,000, as it is subject to a cap which is AUD80,000)	80,000

Bonus Interest (Take PayDay+ Payroll Customer as an example) = (Eligible Incremental Balance x Bonus Savings Rate) x (No. of days in the counting period / 360 days) = (AUD60,000 x 3.00% + AUD20,000 x 5.00%) x (92 days / 360 days) = AUD715 (~HKD3,610)

Remark: The illustration above is taking AUD transactions of a PayDay⁺ Payroll Customer as an example. The same calculation applies to other currencies. The amount of bonus interest is calculated in AUD first, then converted into its HKD equivalent amount based on the exchange rate solely determined by the Bank. The illustration is calculated based on AUD1 = HKD 5.05, which the exchange rate is intended for indicative purposes only.