Terms and Conditions for the “JPY 50% FX Spread Discount Promotion on Wednesdays” (the “Promotion”)

1. The promotion period is from 6 October 2025 to 31 March 2026, both dates inclusive (“Promotion Period”).
2. The 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 Hang Seng Bank Limited (“the Bank”). Only the principal account holder is eligible for the Promotion if the Eligible Account is a joint account (“Eligible Customer(s)”).
3. Eligible Customers can enjoy a 50% FX spread discount on successful real-time HKD to JPY currency exchanges reaching the designated FX transaction amount per single transaction, conducted via designated channels under their Eligible Account every Wednesday during the promotional period.

   Designated transaction channels	Designated FX transaction amount (per single transaction)	FX Transaction Time
   Hang Seng Personal e-Banking Hang Seng Mobile App	at least HKD30	Wednesdays: 00:01 to 23:59 (except system maintenance hours) (Except system maintenance hours. To learn more, please visit Hang Seng website > Personal > Resources > System Maintenance.)​​
   Phone banking (manned hotline only)	at least HKD1,000,000	Wednesdays: 09:00 to 19:00
   Our branches in Hong Kong	at least HKD1,000,000	Wednesdays: 09:00 to 17:00 (except Hong Kong public holidays or bank closure due to adverse weather) *Details of branch locations and operating hours, please refer to Hang Seng Bank Branch Service Arrangements.

4. “50% FX spread discount” refers to reduction of 50% on sales margin normally charged for FX transaction by the Bank. Other mark-up applied to the exchange rate for operational reasons will not be waived.
5. When Eligible Customer conducts an Eligible Transaction, the discount will be automatically applied as the exchange rate upfront. The discounted exchange rate must be shown on the screen at the time of the transaction and confirmed by the customer on the “Verify Instruction” page in order for a transaction to qualify for the Promotion. The Bank will not perform any subsequent rebate afterwards.
6. This Promotion is not applicable to exchange transactions with special offer provided by our staff and other exchange services, including but not limited to:
   • Inward and outward remittance (e.g. Overseas Transfer and Global Money+)
   • Notes exchange, deposit and withdrawal
   • FX Order Watch
   • Foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s)
   • 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
7. Each Eligible Customer can enjoy this FX spread discount more than once during the Promotion Period.
8. Unless otherwise specified, this Promotion cannot be used in conjunction with other exchange rate offers for the same currency.
9. Unless otherwise specified, this promotion is not applicable to corporate account customers and Private Banking customers.
10. No person other than the customer and the Bank (which includes its successors and assigns) will have 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.
11. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
12. These Terms and Conditions are subject to prevailing regulatory requirements.
13. The Bank reserves the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant Terms and Conditions from time to time without prior notice.
14. In case of any disputes, the decision of the Bank on all matters relating to this promotion and the relevant offers shall be 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. If there is any inconsistency between the Terms and Conditions for the relevant products or services and these Terms and Conditions, these Terms and Conditions shall prevail.
15. In case of any discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.