Exchange foreign currency and earn interest to meet your
different needs
Whether you are exchanging currencies for traveling, preparing your family and yourself to study, staying or visiting your relatives overseas, or leveraging FX as an investment tool for steady interest earnings, Hang Seng Foreign Exchange Service can cater to your different FX needs.
Click hereClick here to learn more about the terms and conditions of the 50% FX Spread Discount Promotion on Wednesdays.
Foreign Currency Time Deposit Interest Rate Offer
Prestige Private / Prestige Banking
Preferred Banking / Integrated Account
1-week foreign currency time deposit up to 15.8%
From 2 October 2025 to 31 December 2025, customer can enjoy the following interest rate offer1 upon completing a single FX transaction3 to exchange for any designated currency with designated HKD amount or its equivalent ("HKDE")4,5 and setting up a 1-week time deposit in the same currency at the same time via Hang Seng Mobile App, Hang Seng Personal e-Banking, phone banking hotline or branch within the designated transaction time2:
| Time Deposit Interest Rate (p.a.) | |||
|---|---|---|---|
| Tenor | 1-week | ||
| Time Deposit Amount | HKDE1,000,000 or above | HKDE10,000 to below HKDE1,000,000 | |
| AUD | 15.80% | 13.80% | |
| GBP | 15.00% | 13.00% | |
| NZD | 15.00% | 13.00% | |
| CAD | 15.00% | 13.00% | |
| CNY | 12.00% | 12.00% | |
| USD | 8.00% | 8.00% | |
| EUR | 8.00% | 8.00% | |
| JPY | 8.00% | 8.00%* | |
| HKD | 5.00% | 5.00% | |
The above interest rates are for reference only and subject to revision based on the prevailing
market conditions. Please call our phone banking hotline or contact our branch staff for the
latest interest rates for this offer.
*The offer is applicable only on the Hang Seng Personal e-Banking or Hang Seng Mobile App
*The offer is applicable only on the Hang Seng Personal e-Banking or Hang Seng Mobile App
1-month foreign currency time deposit up to 4.5%
From 2 October 2025 to 31 December 2025, customer can enjoy the following interest rate offer1 upon completing a single FX transaction3 to exchange for any designated currency with designated HKD amount or its equivalent ("HKDE")4,5 and setting up a 1-month time deposit in the same currency at the same time via Hang Seng Mobile App, Hang Seng Personal e-Banking, phone banking hotline or branch within the designated transaction time2:
| Time Deposit Interest Rate (p.a.) | |||
|---|---|---|---|
| Tenor | 1-month | ||
| Time Deposit Amount | HKDE1,000,000 or above | HKDE10,000 to below HKDE1,000,000 | |
| AUD | 4.50% | 4.00% | |
| GBP | 4.00% | 3.50% | |
| NZD | 4.00% | 3.50% | |
| CAD | 4.00% | 3.50% | |
| CNY | 3.50% | 3.50% | |
| USD | 4.00% | 3.50% | |
| EUR | 3.50% | 3.50% | |
The above interest rates are for reference only and subject to revision based on the prevailing
market conditions. Please call our phone banking hotline or contact our branch staff for the
latest interest rates for this offer.
1-week foreign currency time deposit up to 15.8%
From 2 October 2025 to 31 December 2025, customer can enjoy the following interest rate offer1 upon completing a single FX transaction3 to exchange for any designated currency with designated HKD amount or its equivalent ("HKDE")4,5 and setting up a 1-week time deposit in the same currency at the same time via Hang Seng Mobile App, Hang Seng Personal e-Banking, phone banking hotline or branch within the designated transaction time2:
| Time Deposit Interest Rate (p.a.) | ||||
|---|---|---|---|---|
| Tenor | 1-week | |||
| Time Deposit Amount | HKDE1,000,000 or above | HKDE10,000 to below HKDE1,000,000 | ||
| Transaction Channel | Hang Seng Mobile App / Hang Seng Personal e-Banking | Phone Banking Hotlines / Branches | Hang Seng Mobile App / Hang Seng Personal e-Banking | Phone Banking Hotlines / Branches |
| AUD | 15.80% | 13.80% | 13.80% | 11.80% |
| GBP | 15.00% | 13.00% | 13.00% | 11.00% |
| NZD | 15.00% | 13.00% | 13.00% | 11.00% |
| CAD | 15.00% | 13.00% | 13.00% | 11.00% |
| CNY | 12.00% | 10.00% | 12.00% | 10.00% |
| USD | 8.00% | 6.00% | 8.00% | 6.00% |
| EUR | 8.00% | 6.00% | 8.00% | 6.00% |
| JPY | 8.00% | 8.00% | 8.00% | - |
| HKD | 5.00% | 3.00% | 5.00% | 3.00% |
The above interest rates are for reference only and subject to revision based on the prevailing
market conditions. Please call our phone banking hotline or contact our branch staff for the
latest interest rates for this offer.
1-month foreign currency time deposit up to 4.5%
From 2 October 2025 to 31 December 2025, customer can enjoy the following interest rate offer1 upon completing a single FX transaction3 to exchange for any designated currency with designated HKD amount or its equivalent ("HKDE")4,5 and setting up a 1-month time deposit in the same currency at the same time via Hang Seng Mobile App, Hang Seng Personal e-Banking, phone banking hotline or branch within the designated transaction time2:
| Time Deposit Interest Rate (p.a.) | ||||
|---|---|---|---|---|
| Tenor | 1-month | |||
| Time Deposit Amount | HKDE1,000,000 or above | HKDE10,000 to below HKDE1,000,000 | ||
| Transaction Channel | Hang Seng Mobile App / Hang Seng Personal e-Banking | Phone Banking Hotlines / Branches | Hang Seng Mobile App / Hang Seng Personal e-Banking | Phone Banking Hotlines / Branches |
| AUD | 4.50% | 4.00% | 4.00% | 3.50% |
| GBP | 4.00% | 3.50% | 3.50% | 3.00% |
| NZD | 4.00% | 3.50% | 3.50% | 3.00% |
| CAD | 4.00% | 3.50% | 3.50% | 3.00% |
| CNY | 3.50% | 3.00% | 3.50% | 3.00% |
| USD | 4.00% | 3.50% | 3.50% | 3.00% |
| EUR | 3.50% | 3.00% | 3.50% | 3.00% |
The above interest rates are for reference only and subject to revision based on the prevailing
market conditions. Please call our phone banking hotline or contact our branch staff for the
latest interest rates for this offer.
Guide for Online Foreign Exchange Time Deposit Set Up
Step 1
- Log on to Hang Seng Personal e-Banking > Select "Foreign Exchange" > "Foreign Exchange Service"
- Choose any currency from the field of "From" and choose a designated currency (AUD, GBP, NZD, CAD, CNY, USD, EUR, JPY or HKD) from the field of "To"
- Select the relevant Sole / Joint Integrated Account
- Input the respective designated exchange amount
- Select "Now" from the field of "Execution date" and click "Next"
Step 2
*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 15.8% p.a." offer.
- The instruction for Time Deposit Set Up will be shown above the transaction details on the "Acknowledgement" Page*
- Please click "Set up time deposit"
*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 15.8% p.a." offer.
Step 3
- Select "1 Week" or "1 Month" from "Deposit Term"
- Verify the "Principal" amount (Principal amount should be within the limit of respective Designated Exchange Amount)
- Please select the "Maturity Instruction" and click "Next"
- Verify details and click "Confirm" to complete the relevant Time Deposit transaction
Step 1
- Log on to Hang Seng Mobile App > Select "Foreign Exchange" > "Foreign Exchange Service"
- Choose any currency from the field of "From" and choose a designated currency (AUD, GBP, NZD, CAD, CNY, USD, EUR, JPY or HKD) from the field of "To"
- Select the relevant Sole / Joint Integrated Account
- Input the respective Designated Exchange Amount
- Select "Now" from the field of "Execution date" and click "Next"
Step 2
*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 15.8% p.a." offer.
- The instruction for Time Deposit Set Up will be shown above the transaction details on the "Acknowledgement" Page*
- Please click "Set up time deposit"
*Applicable to customer who is eligible for the "Foreign Currency Time Deposit Interest Rate of up to 15.8% p.a." offer.
Step 3
- Select "1 Week" or "1 Month" from "Deposit Term"
- Verify the "Principal Amount" (Principal amount should be within the limit of respective Designated Exchange Amount)
- Select "Now" from the field of "Deposit Date"
- Select the "Maturity Instruction" and click "Next"
- Verify details and click "Confirm" to complete the relevant Time Deposit transaction
New Fund Foreign Currency Time Deposit Offer^
Deposit foreign currency new funds for the online exclusive time deposit offer!
^Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
Foreign Currency Savings Deposit Offer*
Deposit foreign currency new funds in designated amount to enjoy up to 5% p.a. preferential savings rate!
*Terms and conditions apply. For details, please visit hangseng.com/depositspromo7. The savings rate is for reference only.
Enquiry Hotlines
| Prestige Private | Prestige Banking | Preferred Banking | Integrated Account |
|---|---|---|---|
| 29988022 | 29989188 | 28228228 | 28228233 |
|
Prestige Private 29988022 |
Prestige Banking 29989188 |
|---|---|
|
Preferred Banking 28228228 |
Integrated Account 28228233 |
Notes:
- For exchange of designated currencies and set up of either a 1-week or 1-month time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 October 2025 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
-
Designated transaction time:
Transaction Channel Transaction Time - Hang Seng Personal e-Banking
- Hang Seng Mobile App
- Mondays to Fridays: 8:00am to 7:55pm
Phone banking hotlines -
Prestige Private
（852）29988022 -
Prestige Banking
（852）29989188 -
Preferred Banking
（852）28228228 -
Integrated Accounts
(852) 28228233
- Mondays to Fridays: 9:00am to 7:00pm
- Saturdays: 9:00am to 12:55pm
Branches Please refer to Hang Seng Bank Branch Service Arrangements. - Not applicable to the pending and the renewal of time deposit and is not applicable to transaction(s) via notes exchange, cash deposit, notes withdrawal, inward remittance, Overseas Transfer Service, Global Money+, FX Order Watch Service, Virtual Assistant HARO Service, Passbook Savings Account, Voice Recording System and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).
- For any cross currency exchange, the relevant amount will be converted into the Hong Kong Dollar equivalent with the exchange rate solely determined by the Bank on the transaction day, so as to calculate the relevant transaction amount in the Hong Kong Dollar equivalent.
- The exchange amount cap of a single FX transaction is USD2,000,000 or its equivalent. If the actual transaction amount exceeds the exchange amount cap, the time deposit board rate of corresponding tenor will be offered to the actual transaction amount.
- 24/7 online foreign currency exchange service is available via Hang Seng Mobile App and Hang Seng Personal e-Banking (except for Foreign Currency Passbook Savings Account and during system maintenance hours and special circumstances). The foreign currency time deposit offer stated in this page is only applicable to designated transaction time2.
- FX trading service covers 12 foreign currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, SGD, THB, USD and ZAR. And SGD service is available in branch and FX ATM only.
- Supports any pairs among 10 currencies, including AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. FX Order Watch Service is not applicable to the foreign currency time deposit offer stated in this page.
- Up to 12 currencies applicable, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD, SGD, KRW and TWD.
- Other currencies including AUD, CAD, GBP, HKD, NZD and USD.
- Designated spending with Multi-Currency Debit Mastercard and earn unlimited cash rebate: Prestige Banking customers enjoy a basic 0.5% cash rebate and Preferred banking customers enjoy a basic 0.4% cash rebate.
- $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. Apply to Prestige and Preferred Banking customers: When withdrawing cash overseas from non-HSBC Group ATM networks, local banks may charge an additional fee. Apply to Preferred Banking customers only: When withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 each time. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.
- Promotion period of the offer is now till 31 Dec 2025. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.
- We'll update the list of the designated countries or regions and local currency from time to time. Please visit Hang Seng Bank Website > "Banking" > "Transfer & Payment Services" > "Overseas Transfer" for details.
- The actual fund arrival time depends on the processing time of the bank to which the payment is made or correspondent bank (if any).
- Terms and conditions apply.
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.
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.
Interest is calculated on the following year basis:
- Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
- Pound Sterling, Thailand Baht and South Africa Rand - 365 days,
- Other currencies - 360 days.
1-week / 1-month foreign currency time deposit interest rate of up to 15.8%
p.a./ 4.5% p.a.1 respectively
Exchange Currencies Online: Logon to Hang Seng Mobile App > Please click "Foreign Exchange"
> "Foreign Exchange Service"
