Hang Seng FX+ is a privilege programme designed for our Prestige Private and Prestige customers, offering tiered rewards based on your cumulative FX transaction amount. The more you transact, the more rewards you can enjoy! Join our FX+ via Hang Seng Mobile App now or contact your Relationship Manager!

Join FX+! Start accumulating designated exchange amounts to enjoy up to 25% unlimited instant FX spread discounts and up to HKD6,888 cash reward. You can also enter our lucky draw and win the HKD100,000 cash prize , with over 100 prizes available2!

How it works?
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+ level3 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 July 2026 to 31 December 2026, enrol in FX+ and you will be upgraded to respective FX+ level based on your accumulated amount and unlock exclusive rewards.
  Level 1 Level 2 Level 3 Level 4 Level 5
FX+ Accumulated Amount
(HKD equivalent)4,5 		100,000 500,000 2,000,000 5,000,000 20,000,000
FX+ Spread Discount6,7 - 15% 18% 20% 25%
FX+ Reward(s)8 1 Lucky draw entry 2 Lucky draw entries 2 Lucky draw entries HKD2,888 &
2 Lucky draw entries 		HKD6,888 &
2 Lucky draw entries
Lucky Draw Prize
Grand Prize :
HKD100,000 cash reward
1 winner
Second Prize :
HKD5,000 cash reward
100 winners
Terms and conditions apply.
Enjoy with other FX Offers together
Foreign Currency Time Deposit Offers

Exchange and set up a 1-week time deposit at the same time to enjoy an interest rate of up to 17%p.a.! From as low as HKD 10,000 (or equivalent). Available in popular currencies including AUD, CAD and GBP.

Offer valid until 30 September 2026.

Learn more
Foreign Currency
Reward Illustrations
Enjoy more privileges when you’re upgraded to an FX+ Level

Mr. Lee enrolled in FX+ on 18 July 2026 and exchanged HKD 500,000* into AUD. This amount will be included in his accumulated amount, entitling him to FX+ Level 2 and the corresponding rewards. Now he can enjoy 15% spread discount under the FX+ Level 2 when converting HKD 500,000* into AUD, getting AUD68 more with the discount9.

At the same time, he set up an AUD time deposit after the exchange and enjoyed an AUD 1-week time deposit interest rate of 17% p.a..

  • New accumulated amount:
    HKD500,000
  • Tier reached after FX+ enrolment:
    FX+ Level 2
HKD to AUD FX Transaction HKD500,000
Spread discount
No spread discount 15%
Get AUD68 more,
around HKD3809
Lucky Draw x2 entries
Chance to win
HKD100,000^
FX time deposit offer
AUD 1-week
time deposit 17%p.a.
Interest:
around HKD1,6539

*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, she could get a chance to win big up to HKD100,000 cash prize in our lucky draw.

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"
QR Code
Enrol FX+ now
via Hang Seng Mobile App
Register for this offer now via Hang Seng Mobile App
* Please download Hang Seng Mobile App or update to the latest version.
FAQ
Q1.
Why can't I enrol for FX+?
FX+ is only available to Prestige Private and Prestige Banking customers and doesn’t apply to corporate accounts and customers who hold Private Banking accounts (even if they may also hold a Prestige Private or Prestige Banking account).
Please note, you can only enrol in Hong Kong by using Hang Seng Mobile App, Phone banking, 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.
Can I apply both FX+ spread discount together with an FX coupon in the same FX transaction?
You can only apply 1 discount to each transaction. To ensure you get the best value, you can only use an FX coupon if its discount is the same as, or better than, your FX+ spread discount.
Q4.
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
  • Forward-dated FX transaction instruction
  • FPS x PromptPay QR Payment (Thailand)
  • Paper Gold and FX investment (e.g. FX2 - FX and Precious Metal Trading Services, MaxiInterest Deposits, Capital Protected Investment Deposit, FX and Precious Metal Margin Trading Services)
  • Multi-Currency Debit Mastercard® spending and withdrawal
  • QR Payment
Q5.
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
Q6.
When will I receive my cash reward(s)?
Cash rewards will be credited to your Hong Kong Dollar Savings Account on or before 31 March 2027. 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.
Q7.
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.
Read full FAQ
Logon Hang Seng Mobile App and enrol FX+ now!
Prestige Private 24-hour Manned Hotline: (852) 2998 8022
Prestige 24-hour Manned Hotline: (852) 2998 9188

Remarks:

  1. FX+ only applies to Prestige Private and Prestige Banking customers and doesn’t apply to corporate accounts and customers who hold Private Banking accounts (even if they may also hold a Prestige Private or Prestige Banking account).
  2. The promotion period for Hang Seng FX+ is from 1 July 2026 to 31 December 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.
  3. The FX+ levels depend on the total accumulated amount of all Eligible Transactions during the Promotion Period.
  4. 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.
  5. 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
    • Forward-dated FX transaction instruction
    • 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
    • QR Payment
  6. 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.
  7. 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
  8. 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.
  9. The illustration is calculated based on AUD1 = HKD5.5670 (before 15% spread discount) and AUD1=HKD5.5628 (after 15% spread discount). The exchange rate is intended for indicative purposes only.
  10. The illustration is calculated based on AUD1 = HKD5.5670 (before 20% spread discount) and AUD1=HKD5.5614 (after 20% 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.

Enrol FX+ Now