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:
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 July to September 2025, per currency, of Eligible Deposit Account(s) as compared with the period end balance on 30 June 2025 of the corresponding currency.
2. Illustration example of calculating Eligible Incremental Balance and offer
Assuming that a customer has the following AUD deposit balances and transactions during July to September 2025:
AUD Deposit Balances and Transactions | AUD |
---|---|
Deposit balance as of 30 Jun: | 10,000 |
Deposit balance from 1 - 13 Jul (13 days): | 10,000 |
Fund in on 14 Jul: | +100,000 |
Deposit balance from 14 Jul - 3 Sep (52 days): | 110,000 |
Fund out on 4 Sep: | -10,000 |
Deposit balance from 4 - 30 Sep (27 days): | 100,000 |
Daily average balance of Jul to Sep (Refer to below image for calculation details): | 92,934 |
Eligible Incremental Balance (Cap being AUD80,000): = Deposit daily average balance of Jul to Sep - Deposit balance as of 30 Jun = 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
Account Customer as an example) = (Eligible Incremental Balance x Bonus Savings Rate) x (No. of days in the counting period / 360 days) = (AUD60,000 x 2.50% + AUD20,000 x 4.30%) x (92 days / 360 days) = AUD603 (~HKD3,045) |
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Remark: The illustration above is taking AUD transactions of a PayDay+ Payroll Account 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, which the exchange rate is intended for indicative purposes only.
Foreign Currency Risk
Foreign Exchange involves Exchange Rate Risk. Fluctuations in the
exchange rate of a foreign currency may result in gains or loss of
principal in the event that the customer converts the deposits
from HKD or foreign currency to another currency, and/or in the
event that the customer converts a foreign currency time deposit
to HKD upon maturity.