Enrol in FX+ and start accumulating designated exchange amounts to enjoy up to 25% unlimited instant FX spread discounts and up to HKD6,888 cash reward. You'll also get a chance to win the HKD128,888 cash prize in a lucky draw1!
This programme is exclusive to Prestige Private customers.

Enrol FX+ Now
Unlock triple privileges of FX+
Unlock triple privileges of FX+
Once your accumulated amount reaches the required level, you can unlock FX spread discounts, cash reward and a chance to win big in our lucky draw.
Track your FX+ progress in real-time
Track your FX+ progress in real-time
Simply log on to Hang Seng Mobile App to keep track of your accumulated amount, FX+ level2 and exclusive rewards for the current level.
Make the most out of the FX offers
Make the most out of the FX offers
In addition to rewards from FX+, you can continue to enjoy other foreign exchange offers, such as preferential interest for foreign currency time deposits.
Promotional Offers & Lucky draw
From 1 September 2025 to 28 February 2026, enrol in FX+ and you will be upgraded to respective FX+ level based on your accumulated amount and unlock exclusive rewards, exclusive for Hang Seng Prestige Private Customer.
  Level 1 Level 2 Level 3 Level 4
FX+ Accumulated Amount
(HKD equivalent)3,4 		100,000 2,500,000 5,000,000 20,000,000
FX+ Spread Discount5,6 - 10% 15% 25%
FX+ Reward(s)7 Lucky draw chance HKD688 &
Lucky draw chance 		HKD1,288 &
Lucky draw chance 		HKD6,888 &
Lucky draw chance
Lucky Draw Prize
Grand Prize :
HKD128,888
Second Prize :
HKD68,888
Third Prize :
HKD38,888
Each lucky draw prize is allocated with a single quota. Terms and conditions apply.
How to enrol?
new-account-step
new-account-step
new-account-step
How to enrol?
1
Log on to Hang Seng Mobile App, go to Left menu, tap "Foreign Exchange" > "Foreign Exchange Service"
2
Tap "Learn more" to find out more about FX+
3
Tap "Enrol now"
Reward Illustration
Eligible foreign exchange transaction made after 1 September 2025 would be counted toward accumulated amount even prior to FX+ enrolment

Mr. Lee enrolled in FX+ on 18 September 2025. Prior to his enrolment, he exchanged HKD2,500,000* on 5 September 2025 and this amount will be included in his accumulated amount, entitling him to FX+ Level 2 and the corresponding rewards right after his enrolment. Now he can enjoy the FX+ Level 2 10% spread discount immediately when exchanging HKD1,000,000* to GBP

  • New accumulated amount:
    HKD3,500,000
  • Tier reached after FX+ enrolment:
    FX+ Level 2
HKD to GBP
 
FX Transaction HKD1,000,000
Spread discount
No spread discount 10%
Get GBP 42,
around HKD4548
Cash reward
HKD688^
Lucky draw
chance to win
HKD128,888^

*Only eligible foreign exchange transactions can be counted toward the accumulated amount and qualified for FX+ spread discount.

^Mr Lee remains FX+ Level 2 by end of the Promotional Period, he could enjoy HKD688 cash reward and a chance to win big up to HKD128,888 cash prize in our lucky draw.

FAQ
Q1.
Why can't I enrol for FX+?
FX+ is currently available to Prestige Private customer only and which requires maintaining a Total Relationship Balance of at least HKD8,000,000. To learn more, please visit Prestige Private.
Please note, you can only enrol in Hong Kong by using Hang Seng Mobile App or visiting our branches.
Q2.
How do I check my accumulated amount (HKD equivalent) and current FX+ level?
You can simply logon to the Hang Seng Mobile App and your FX+ level is shown under the “Foreign Exchange Service”.
Q3.
What types of transactions and services will not be counted toward accumulated amount of FX+?
The following transactions or services will not be counted toward accumulated amount of FX+:
  • Inward and outward remittance (e.g. Overseas Transfer and Global Money+)
  • Notes exchange, deposit and withdrawal
  • FX Order Watch
  • FPS x PromptPay QR Payment (Thailand)
  • Paper Gold and FX investment (e.g. FX2, MaxiInterest Deposits, Capital Protected Investment Deposit, FX and Precious Metal Margin Trading 101)
  • Multi-Currency Debit Mastercard® spending and withdrawal
To learn more, please visit Hang Seng FX+.
Q4.
What types of transactions and services will be eligible for FX spread discounts?
Currency exchange transactions and services conducted via Hang Seng Personal e-Banking, Hang Seng Mobile App, our branches in Hong Kong or phone banking (manned hotline only)are eligible for the FX spread discount. These include:
  • Self-name exchange transactions (excluding forward-dated transfer instructions)
  • Exchange transactions to third-party personal accounts within Hang Seng (excluding forward-dated transfer instructions)
  • Payment Connect transaction involving exchanges
To learn more, please visit Hang Seng FX+.
Q5.
When will I receive my cash reward(s)?
Cash rewards will be credited to your Hong Kong Dollar Savings Account on or before 31 May 2026. To ensure successful crediting of the prize to your account, you are encouraged to maintain your status as a Hang Seng Prestige Private customer with a valid Hong Kong Dollar Savings Account. For more details, please refer to the terms and conditions of the Hang Seng FX+ Promotion.
Q6.
Can I win more than one prize for the Lucky Draw?
You are eligible to win only one prize in the Lucky Draw during the Promotional Period.
Q7.
When will the lucky draw take place and how would Hang Seng contact me for result announcement?
The Lucky Draw will take place after the Promotional Period. Only the winners will be contacted by MMS on or before 31 May 2026. To ensure successful crediting of the prize to your account, you are encouraged to maintain your status as a Hang Seng Prestige Private customer with a valid Hong Kong Dollar Savings Account. For more details, please refer to the terms and conditions of the Hang Seng FX+ Promotion.
Read full FAQ
Logon Hang Seng Mobile App and enrol FX+ now!
Prestige Private 24-hour Manned Hotline: (852) 2998 8022

Remarks:

  1. The promotion period for Hang Seng FX+ is from 1 September 2025 to 28 February 2026 (including both days) (“the Promotional Period”). Once enrolled in Hang Seng FX+ (“FX+”) and upon reaching certain level, eligible customer can enjoy a foreign exchange spread discount (“FX spread discount”)cash rewards or a chance to enter a lucky draw.
  2. The FX+ levels depend on the total accumulated amount of all Eligible Transactions during the Promotion Period.
  3. Accumulated amount is the total of the Eligible Transactions made during the Promotion Period via Hang Seng Personal e-Banking (“Personal e-banking”), Hang Seng Personal Banking mobile app (“mobile app”), Phone banking (manned hotline only) and at our branches.
  4. The following transactions or services will not count towards accumulated amount of FX+:
    • Inward and outward remittance (e.g. Overseas Transfer and Global Money+)
    • Notes exchange, deposit and withdrawal
    • FX Order Watch
    • FPS x PromptPay QR Payment (Thailand)
    • Paper Gold and FX investment (e.g. FX2,MaxiInterest Deposits, Capital Protected Investment Deposit, FX and Precious Metal Margin Trading 101)
    • Multi-Currency Debit Mastercard® spending and withdrawal
  5. The FX spread discount refers to reduction on sales margin normally charged for Eligible Transactions by the bank. Other mark-up applied to the exchange rate for operation reasons will not be reduced. When eligible customer make an Eligible Transaction, the FX spread discount automatically applied on the exchange rate spread upfront.
  6. Currency exchange transactions and services conducted via Hang Seng Personal e-Banking, Hang Seng Mobile App, our branches in Hong Kong or phone banking (manned hotline only) are eligible for the FX spread discount. These include:
    • Self-name exchange transactions (excluding forward-dated transfer instructions)
    • Exchange transactions to third-party personal accounts within Hang Seng (excluding forward-dated transfer instructions)
    • Payment Connect transaction involving exchanges
  7. Cash rewards and lucky draw entries do not accumulate as eligible customers move up the levels. Eligible customers will get respective rewards based on the level achieved by the end of the Promotion Period.
  8. The illustration is calculated based on GBP1 = HKD10.8710 (before 10% spread discount) and GBP1=HKD10.8660 (after 10% spread discount). The exchange rate is intended for indicative purposes only.
  9. The illustration is calculated based on GBP1 = HKD10.8710 (before 15% spread discount) and GBP1=HKD10.8636 (after 15% spread discount). The exchange rate is intended for indicative purposes only.

Click here for the relevant Terms and Conditions.

RMB Currency Risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

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 another currency (including Hong Kong Dollar) upon maturity.

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