General Terms and Conditions:

  1. Unless otherwise specified, this Promotion is not applicable to corporate account and Private Banking customers.
  2. No person other than the customer and Hang Seng Bank Limited (“Bank”) (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
  3. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  4. These terms and conditions are subject to prevailing regulatory requirements.
  5. The Bank reserves the right to suspend, vary or terminate this Promotion and the relevant offers and to amend the relevant terms and conditions at any time and from time to time without prior notice.
  6. In case of any disputes, the decision of the Bank on all matters relating to this Promotion and the relevant offers is final and binding on all the parties concerned. This Promotion and the relevant offers are subject to the terms and conditions for the relevant products or services.
  7. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.

Terms and Conditions for the Promotion of Foreign Exchange Mega Deal Offer:

  1. The Promotion period of the Foreign Exchange Mega Deal Offer (“Promotion”) is from 1 April 2026 to 30 June 2026 (both dates inclusive) (“Promotion Period”).
  2. This Promotion is only applicable to customers who hold valid sole-named and/or joint-named personal integrated account(s) (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) (“Eligible Account”) of the Bank; only the principal account holder is eligible for this Promotion if the Eligible Account is a joint account (“Eligible Customer(s)”).
  3. Subject to these terms and conditions, any Eligible Customer who successfully exchanges the designated currencies* (including AUD, CAD, CNY, CHF, EUR, GBP, HKD, JPY, NZD, THB, USD and ZAR) through an Eligible Account for the following number of times during the Promotion Period, with each foreign exchange transaction’s amount being HKD 5,000,000 (or equivalent) or above (each an “Eligible Transaction”), is entitled to the following cash reward:
    Number of Eligible Transaction# Cash Reward
    1 Time HKD1,000
    2 Times HKD2,500
    3 Times HKD5,000
    *Designated currencies do not include HKD/USD currency pair.
    # Only one Eligible Transaction per day is counted.
  4. Subject to these terms and conditions, any cash reward under this Promotion will be credited into the Hong Kong Dollar Savings Account of the Eligible Customer on or before 30 December 2026. To enjoy any cash reward, each Eligible Customer must maintain the relevant account in the customer’s sole name or as the primary account holder in a joint account on or before 30 December 2026. Otherwise, the customer is deemed to have forfeited the right to receive the cash reward, and the Bank reserves the right to debit the amount equivalent to the value of the reward(s) already credited from any of the customer’s accounts without prior notice.
  5. Each customer can enjoy this offer once only during the Promotion Period.
  6. For any cross currency exchange, the relevant transaction amount is determined and calculated in HKD equivalent with the exchange rate solely determined by the Bank on the transaction day.
  7. This Promotion is not applicable to any exchange transaction with special offer provided by the Bank staff and other exchange service, including but not limited to:
    1. Inward and outward remittance (e.g. Overseas Transfer and Global Money+);
    2. Notes exchange, deposit and withdrawal;
    3. FX Order Watch;
    4. Foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s);
    5. FPS x PromptPay QR Payment (Thailand);
    6. 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); and
    7. Multi-Currency Debit Mastercard® spending and withdrawal.
  8. Unless otherwise specified, this Promotion cannot be used in conjunction with other offers.

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 Hong Kong Dollar 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.