Exclusive Offer for Selected Customer

Simply deposit³ new funds of HKD20,000 equivalent⁴ to enjoy JPY300 cash reward

After completing Mission 1

Conduct online foreign exchange transaction(s) with a cumulative amount of at least HKD5,000 equivalent⁵ to enjoy an additional JPY700 cash reward

JPY1,000 cash reward⁶ in total, which is equivalent to
1-month savings rate of 3.3% p.a.²

3 July

Deposit new funds to Eligible Deposit Account(s)³, and maintain designated Eligible Incremental Balance until 31 July

26 August

Conduct online foreign exchange transaction(s) reaching a cumulative amount of at least HKD5,000 equivalent

On or before 30 September

Receive JPY300 cash reward for mission 1

On or before 30 November

Receive JPY700 cash reward for mission 2

Exclusive Foreign Currency Offers - Earn Extra Rewards

Enjoy up to 15.8% p.a. time deposit rate for designated currencies exchange.

Terms and Conditions apply. Interest rate is for reference only.

Details >

Deposit designated amount of new funds to enjoy up to 4.3% p.a. savings rate for designated foreign currencies!

Terms and Conditions apply. Interest rate is for reference only.

Details >

PayDay⁺ Payroll Customers can enjoy Bank’s cost price⁷ for the foreign exchange on JPY/EUR spending⁸ via Hang Seng Multi-Currency Debit Mastercard^®

Terms and Conditions apply.

Details >

Act now to enjoy the fabulous rewards

Terms & Conditions apply

Remarks:

The Offer is only applicable to personal customers who have received the relevant promotion materials from Hang Seng Bank Limited (“the Bank”). Only the principal account holder is eligible for the promotion if the relevant account is a joint account (“Selected Customers”).
The above interest rate is quoted based on the new fund amount of HKD 20,000 equivalent, the total number of days in the month is 30, and an exchange rate of 1 Japanese Yen (JPY) = 0.0545 Hong Kong Dollars (HKD). The interest rate will be subject to revision based on the latest exchange rate. The exchange rate and savings rate are for reference only.
Eligible for “Eligible Deposit Account(s)”, including Selected Customers’ Savings Account(s) and/or Current Account(s) maintained with the Bank in their sole name or in the capacity as the primary account holder in the case of a joint account (“Eligible Deposit Account(s)”). For the avoidance of doubt, Time Deposit accounts are excluded from the Eligible Deposit Accounts.
New funds refer to “Eligible Incremental Balance”, which is the increment of the “daily average balance in any month of July/August/September 2025” of Eligible Deposit Account(s) as compared with the period end balance on 31 May 2025.
“Eligible FX Transaction” is only applicable to the real-time foreign exchange transaction which is successfully completed via the designated transaction channels (“Foreign Exchange Service” of Hang Seng Personal e-Banking or Hang Seng Mobile App) during the Designated Foreign Exchange Period.

The cash reward of mission 1 and 2 will be credited into the Eligible Deposit Accounts of each Selected Customer on the day showed in the table below. Each Selected Customer must continue to maintain valid Eligible Deposit Account(s), and without terminating or downgrading the account, or he/she will be deemed to have forfeited the right to receive the cash reward.

Mission	Mission Completion Month	Date of Cash Reward Rebate
Mission 1	July 2025	On or before 30 September 2025
	August 2025	On or before 31 October 2025
	September 2025	On or before 30 November 2025
Mission 2	Designated Foreign Exchange Period	On or before 30 November 2025

“Bank’s Cost Price” refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. Terms and Conditions apply, please click here for details.
When the customer make JPY or EUR spending or withdrawal but have insufficient JPY or EUR funds in the respective account. The relevant transaction amount will then be converted from HKD at the “Bank’s Cost Price” and deducted from the customer’s HKD Savings Account.

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 risks. 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

Currency Conversion Risk
Currency exchange involves exchange rate risk. The value of your foreign currencies and RMB deposits are subject to exchange rate risk and may result in gains or losses when the exchange rate fluctuates at the time when the transaction amount is debited from your foreign currency or RMB account. It may also result in losses when your foreign currency or RMB account balance is insufficient to pay the transaction amount and need to convert HKD to foreign currency or RMB.

Note:

In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
If you are in doubt of the marketing and promotional activities and materials of the Bank, please call customer service enquiry hotline for authentication.