High-interest foreign currency savings offer

How can you plan smartly for your foreign currencies? Maximize your earnings with up to 4.3% p.a. on savings rate1!
From 1 July 2025 to 30 September 2025, deposit as low as AUD/CAD/NZD2,000 or GBP1,000 new funds to unlock the below savings offer!
Tier
Eligible Incremental Balance
(in original currency)
AUD / CAD/ NZD
GBP
Bonus Savings Rate1 up to
General Customers
PayDay+ Payroll Account Customers2
1
First 60,000 or below
First 30,000 or below
1.50% p.a.
2.50% p.a.
2
Next 20,000 or below
Next 10,000 or below
3.30% p.a.
4.30% p.a.
swipe for more details

Unlock your savings rewards with flexibility

Diversified currency options    
Enjoy preferential savings rate for AUD/CAD/NZD/GBP
The more you fund-in, the more you earn!
Earn higher interest by reaching Tier 2 Eligible Incremental Balance
Unlock higher savings rate for PayDay+ Payroll Account Customer
Unlock an extra 1% p.a. savings rate bonus as our PayDay+ Payroll Account Customer2
The bonus interest will be credited into your HKD Current/Savings Account on or before 30 November 2025.
Interested to become PayDay+ Payroll Account Customers?
Earn up to 4.3% p.a. HKD Savings Rate and various fabulous offers
T&Cs apply. Interest rate is for reference only.

How to deposit new fund in foreign currency?

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.

How to calculate Eligible Incremental Balance and enjoy the offer?

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.

  • “Eligible Deposit Account(s)” refer to the Savings Account(s) in AUD and/or CAD and/or NZD and/or GBP 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 June 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 June 2025, it will be treated as zero in the Eligible Incremental Balance calculation.
  • In respect of the “daily average balance of July to September 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 September 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 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)

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.

Act now to enjoy the bonus interest!
Enquiry Hotlines
Prestige Private
2998 8022
Prestige Banking
2998 9188
Preferred Banking
2822 8228
Integrated Accounts
2822 8233
Terms & Conditions apply
Notes:
  1. The Offer is only applicable to personal customers who hold valid personal integrated account(s) (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) of Hang Seng Bank Limited (“the Bank”). Only the principal account holder is eligible for the promotion if the relevant account is a joint account (“Eligible Customer(s)”). Up to 4.3% p.a. “Bonus Savings Rate” is applicable to the Eligible Incremental Balance up to the cap of AUD/CAD/NZD80,000 or GBP40,000 only. The Eligible Incremental Balance in the excess of the cap is not eligible to the Bonus Savings Rate. The bonus interest will first be calculated in terms of the Eligible Incremental Balance of corresponding currency (AUD/CAD/NZD/GBP), then converted into its HKD equivalent amount for the bonus interest payout based on the exchange rate solely determined by the Bank on 30 September 2025. Besides, the bonus interest of AUD/CAD/NZD is calculated as simple interest on a 360-day basis, whereas the bonus interest of GBP is calculated as simple interest on a 365-day basis.
  2. “PayDay+ Payroll customers” refers to personal customers who set up / maintain PayDay+ payroll service with the Bank via sole-named or joint-named HKD Savings/HKD Current Accounts (“Payroll Account”) during the promotion period, and with the HKD salary directly credited to their Payroll Accounts from the employers’ company accounts via Autopay (“Eligible Payroll Record”). Any salary transfer not indicated for payroll purpose may not be considered as an Eligible Payroll Record. If the salary transfer instruction is received on public holiday / after the cut-off time of the Bank, it will be processed on the next working day. The customers must maintain the Eligible Payroll Record in each calendar month from the promotion period to the bonus interest credit day, otherwise, they can only enjoy the bonus savings rate offer of general customers. The Bank reserves the right of final decision should there be any dispute in the definition of “Eligible Payroll Record”.

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.