Frequently Asked Question
You can register for "Cross-Border View and Transfer" in Hang Seng Personal e-Banking (Desktop version). After successful registration, you can check your account and submit transfer instructions between Hang Seng accounts in Hong Kong and Mainland China anytime, anywhere with ease.
Cross-Border View:
Just one convenient logon and you can check the balances of both of your self-named accounts in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal e-Banking (Desktop version), the Hang Seng Personal Banking Mobile App or the Hang Seng China Personal Banking Mobile App.
Cross-Border Transfer:
You can easily place an instruction to transfer funds between your self-named accounts in Hang Seng Hong Kong and Hang Seng China through Hang Seng Personal e-Banking (Desktop version), the Hang Seng Personal Banking Mobile App or the Hang Seng China Personal Banking Mobile App. What's more, all fees are waived1Footnote remark 1.
Remark(s)
1
This waiver is applicable to the transfer instruction submitted via the Cross-Border Transfer section only. Any fund transfer instruction across Hang Seng Hong Kong and Hang Seng China submitted via channels other than the Cross-Border Transfer section is subject to outward or inward remittance fees and charges as stipulated in the "Banking Services Fees and Charges".
If you are holding a Prestige Signature, Prestige, Preferred Banking or Integrated Banking accounts with Hang Seng Hong Kong and Hang Seng China self-named accounts together with e-Banking access on both Hang Seng Hong Kong and Hang Seng China, meanwhile, you are also having the access to register through Hang Seng Personal e-Banking (Desktop version). Joint accounts in Hang Seng Hong Kong cannot be indicated on the Cross-Border View page in the Hang Seng China Personal Banking Mobile App.
Registration or removal is only available via Hang Seng Personal e-Banking (Desktop version).
The system will not link up your accounts automatically. You are required to register this function through Hang Seng Personal e-Banking (Desktop version). You will be directed to the logon page of Hang Seng China Personal e-Banking in order to finish the registration.
Apart from the charges, extra information e.g. SWIFT code, Beneficiary Bank, etc, are required for Overseas Transfer. Cross-Border Transfer offers a simple input page to submit a fee-free transfer instruction between Hang Seng Hong Kong and Hang Seng China. You can finish a transfer instruction by filling in From/To account, amount, a transfer date and purpose.
Please note that only the RMB TT account is applicable to Renminbi Cross-Border Transfer in Hang Seng China.
Cross-Border View & Transfer will be effective instantly after successful registration.
Please note, your accounts will be delinked if your personal information are mismatched between Hang Seng Hong Kong and Hang Seng China. An SMS or notification letter would be sent with follow up details.
Cross-Border View and Transfer is a fee-free function.
Please note, any charges incurred from inward fund transfer from Hang Seng China RMB TT Accounts will be imposed and refunded on the same day.
After you submit a Cross-Border Transfer instruction in Hang Seng Hong Kong, the fund would be debited instantly. If you would like to amend or cancel, to avoid any fee being incurred, please consider to place a new Cross-Border Transfer instruction in Hang Seng China back to Hang Seng Hong Kong account to offset the previously completed transfer.
If you insist to amend or cancel a completed Cross-Border Transfer instruction, please visit our Branch or contact our Phone Banking. A fee of HKD220 will be charged on behalf of the Clearing Bank and the fee is subject to change by the Clearing Bank without advance notice.
No. You can only transfer fund from Hong Kong to China under Cross-Border Transfer section via Hang Seng Hong Kong. For fund transfer from China to Hong Kong, please submit a Cross-Border Transfer instruction via Hang Seng China.
In normal situations, from Monday to Friday (must be working day of China and Hong Kong), if you submit Cross-Border Transfer instruction from Hang Seng Hong Kong before the same-day value cutoff time, the fund would be credited to your Hang Seng China account on the same day.
If the instruction is submitted from Hang Seng Hong Kong after the same-day value cutoff time, on Saturday, Sunday or public holiday of China or Hong Kong, the fund would be transferred to Hang Seng China on the next China and Hong Kong working day.
For details of the same-day value cutoff time, please refer to "Outward Remittance" section under "Outward Remittance & CHATS Services Same-day Value Cut-off Times (for reference only)".
Forward date is only available for transfer instructions from Hang Seng Hong Kong to Hang Seng China. The longest forward instruction can be set as 45 days.
The maximum daily transfer limit of registered payee via online is HKD1,500,000. The limit is shared by Cross-Border Transfer, fund transfers to registered third-party Hang Seng Hong Kong Accounts, remittances and fund transfers to other Hong Kong registered bank accounts through FPS or CHATS.
You can register your Hang Seng China account by logging on to Personal e-Banking via our website > "Settings" > "Transfer and payment" > "Payee Maintenance", or during the submission of the Cross-Border Transfer instruction.
Please note, instruction will be effective on next working day if you submit before the cut-off time of 9 p.m. (Mon to Fri) or 6 p.m. (Sat), or in 2 working days if you submit after the cut-off time of 9 p.m. (Mon to Fri) or 6 p.m. (Sat) or on public holiday.
If you haven't registered your self-named Hang Seng China account, the maximum daily transfer limit of non-registered payee via online is HKD400,000. The limit is shared by Cross-Border Transfer, fund transfers to non-registered third-party Hang Seng Hong Kong Accounts, remittances and fund transfers to other Hong Kong non-registered bank accounts through FPS or CHATS.
The maximum mainland & overseas daily transfer limit is HKD1,500,000, and only applies to transfer payee outside Hong Kong. The transfer amount may also subject to registered payee daily transfer limit, non-registered payee daily transfer limit or small value daily transfer limit, whichever is lower.
Please note, CNY transfers to same name account in mainland China will be subject to a daily limit of CNY80,000 based on CNY transfer regulations.
You can transfer CNY via Cross-Border Transfer from Hang Seng Hong Kong account to your self-named Hang Seng China account.
Based on CNY transfer regulations, Hong Kong residents are subject to a daily transfer limit of CNY80,000, covering your CNY transfer via Cross-Border Transfer, remittance to your self-named account in mainland China (excluding Hang Seng China) and CNY self-named transfer through other financial institutions.
Besides, as the payee is outside Hong Kong, this service is also subject to your mainland & overseas daily transfer limit.
Because you are not holding a Hang Seng Hong Kong Prestige Signature, Prestige, Preferred Banking or Integrated Banking account.