Frequently Asked Question
You may choose to register the receiving account for the remittance, which will be activated in 2 working days after registration. The maximum daily transfer limit for registered payee is HKD1,500,000.
You may also make remittances to non-registered account, subject to a daily maximum amount of HKD400,000. If needed, you can set a limit for registered payees (default limit is HKD50,000) / non-registered payees (default limit is HKD0). If the payee is outside Hong Kong, you also need to set the mainland & overseas daily transfer limit (default limit is HKD0) with activated Mobile Security Key / physical Security Device, and maintain a valid mobile number (any 8-digit local mobile number begins with 5, 6, 8 or 9 or an overseas mobile number with country code specified, e.g. 8613510123456 for a China mobile number) and email address.
To update the limit, you can go to "Settings" in Personal e-Banking > "Limit Maintenance" under "Transfer and payment". Alternatively, you can log on to Hang Seng Mobile App, tap the gear icon at the top right corner of Transfer & Pay page, go to settings and choose "Set transfer & payment limits".
You can also return the completed amendment form to any of our branches in person or by post with a copy of your ID document attached to request a Security Device and set the transfer limit and/or to update your mobile number. Or you may also update the daily transfer limit by using Phone Banking PIN in Phone Banking channel.
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. For details, please refer to FAQs of Cross-Border Transfer.
You should select the remitting currency. That means in your case, you must enter your remitting amount in USD. The exchange rate and the HKD equivalent amount will be provided in the e-Advice when the transaction processing is completed. e-Advice can be found in Inbox.
Those information has been saved as template for your retrieval. To provide you with greater flexibility, we have opened this template feature for your personal use. Those saved information and other new template saved can be found in "Templates" under "Transfer" section.
The funds will be debited from your account on the same day your remittance is executed. However, the time the beneficiary receives the money will depend on the processing time of the corresponding bank concerned.
We normally only allow overseas charges to be deducted from the beneficiary (i.e. charges deducted from remitting amount). However, in the specific types of remittance listed below, you may choose for overseas charges to be deducted from the beneficiary or the remitter1Footnote remark 1.
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•bullet AUD remittance payment to Australia
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•bullet CAD remittance payment to Canada
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•bullet GBP remittance payment to UK
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•bullet USD remittance payment to all countries/ territories
Remark(s)
1
At the discretion of the overseas bank(s), the overseas charges (including charges levied by recipient bank and correspondent banks) may be deducted from the remittance amount or charged separately to remitter's or beneficiary's account, regardless of your payment instructions.
For registered account, the maximum daily amount you can transfer is HKD1,500,000. For non-registered accounts, the maximum daily amount you can transfer is HKD400,000.
In order to provide you with full protection, a unique security code generated by your Security Device / Mobile Security Key must be entered when you are conducting non-registered account transfer via e-Banking. You should take good care of your Security Device to avoid accidental or unauthorized disclosure of the security code, and the risk and loss that might incurred.
Besides, you must have maintained a valid mobile number (any local 8-digit mobile number begins with "5", "6", "8" or "9" or overseas mobile number with country code specified, e.g. 86135101234568 6 1 3 5 1 0 1 2 3 4 5 6 for a China mobile number) for receiving SMS alert to perform this type of transfers, so as to ensure you are aware of the non-registered transfers made with your account(s). Such SMS alert will not be forwarded even if you have subscribed to an 'SMS Forwarding' service provided by telecommunications service providers in Hong Kong.
If the mobile number you have maintained were proven to belong to stranger, we might have suspended this e-Banking High-Risk Transaction SMS alert for protection of your personal data. To update your mobile number, please return the completed amendment form to any of our branches in person or by post with a copy of your ID document attached. To resume the SMS alert service, please contact our customer service representatives.
You may reduce your daily transfer limit online by selecting the "Account Maintenance" Screen under the Customer Services Section. However, if you wish to increase the limit subsequently, you have to visit any of our Hang Seng Bank branches in person. You may also update the daily transfer limit by using Phone Banking PIN in Phone Banking channel.
We will accept your request any time of the day via Hang Seng Personal e-Banking. However, different remittance currency is subject to different same-day value cut-off time. For details, please refer to Outward Remittance & CHATS Services Cut-off Timetable.
You will receive a reference number immediately after you have made the remittance. You will also receive our confirmation e-mail if the remittance has been successfully sent to the beneficiary account.
It is a service that enables you to make remittances of a pre-defined amount to a pre-selected beneficiary account overseas on a pre-defined date.
You may make your pending instructions 45 calendar days (excluding Sundays and Public Holidays) ahead of time.
No. You cannot amend a pending transfer instruction, you can delete the existing instruction and create a new one.
It is not necessary to have sufficient fund in your account when you make a pending remittance. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the remittance.
You can remit Renminbi to your same name Reminibi account in Mainland China. The maximum daily remittance amount is CNY 80,000 including remittance via Hang Seng Personal e-Banking, Phone Banking and any of the branches.