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 April to June 2025, per currency, of Eligible Deposit Account(s) as compared with the period end balance on 31 March 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 31 March 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 31 March 2025, it will be treated as zero in the Eligible Incremental Balance calculation.
• In respect of the “daily average balance of April to June 2025”, if the customer did not hold any Designated Bank Account on 31 March 2025 and opens a new personal integrated account during the promotion period, the daily average balance from the account opening date to June 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 GBP deposit balances and transactions during April to June 2025:

GBP Deposit Balances and Transactions	GBP
Deposit balance as of 31 Mar:	10,000
Deposit balance from 1 - 15 Apr (15 days):	10,000
Fund in on 16 Apr:	+50,000
Deposit balance from 16 Apr - 30 May (45 days):	60,000
Fund out on 31 May:	-10,000
Deposit balance from 31 May - 30 Jun (31 days):	50,000
Daily average balance of Apr to Jun (Refer to below image for calculation details):	48,351
Eligible Incremental Balance (Cap being GBP30,000): = Deposit daily average balance of Apr to Jun - Deposit balance as of 31 Mar = GBP48,351 - GBP10,000 = GBP38,351 (Note: The amount in which this offer can be enjoyed is GBP30,000, as it is subject to a cap which is GBP30,000)	30,000

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 / 365 days) = (GBP20,000 x 2.999% + GBP10,000 x 4.999%) x (91 days / 365 days) = GBP274 (~HKD2,740)

Remark: The illustration above is taking GBP 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 GBP first, then converted into its HKD equivalent amount based on the exchange rate solely determined by the Bank. The illustration is calculated based on GBP1 = HKD 10, which the exchange rate is intended for indicative purposes only.