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RMB Remittance and Exchange

RMB T/T Exchange Rate *

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Renminbi currency exchange and remittance services(1) give you enhanced flexibility in conducting RMB transactions.

  • Accessible through various hassle-free, efficient service channels such as our branches, MTR station offices, Hang Seng Personal e-Banking or manned phone banking hotline(2) to execute Renminbi exchange(1) transactions.
    Enjoy preferential exchange rate(2).
  • Inward Telegraphic Transfer
    Inward remittances can be made to your Hang Seng Bank Renminbi Account in Hong Kong from your same-name personal account held with a mainland bank, subject to compliance with the relevant requirements and restrictions in mainland China(3).
    Preset e-alert Service through Hang Seng Personal e-Banking. Hang Seng will notify you once an inward payment is credited to your registered account and the e-alert Service is free of charge.
    All Hang Seng Personal Customers can enjoy handling fee waiver (4).
    Outward Telegraphic Transfer
    Remit funds from your Hang Seng Bank Renminbi Account in Hong Kong to your personal account held under the same name at any mainland China bank, allow you to manage your finances easily(5).
    RMB remittance network covers major cities in mainland China.
    Extensive service channels for submitting remittance applications via our branches or Hang Seng Personal e-Banking.

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.

Remittance service is not applicable to MTR station offices and not applicable to a joint-name account. Exchange service is only available at designated branches and MTR station offices.


Only applicable to Hang Seng Integrated Account customers.


Remittance from mainland China for non-Hong Kong Identity Card holder is subject to local rules and requirements of mainland China.


The waiver of handling charge does not cover other additional charges (such as an instruction containing Chinese characters). Please refer to the Banking Services Fees & Charges table regarding privileges.


Only an individual (not commercial customer) can remit Renminbi through his/ her personal RMB account maintained with Hang Seng Bank to his/her personal RMB account in mainland China. Hong Kong Identity Card holder should remit Renminbi to his / her same name account in mainland China and is subject to the daily limit of RMB80,000 per person, in accordance with current RMB Remittance Regulations (If the remittance is used to pay for property purchase price/mortgage repayment of the residential property in the Greater Bay Area, it is not subject to the daily maximum remittance amount limit). Remittance to the mainland China or other places outside Hong Kong for non-Hong Kong Identity Card holder is subject to local rules and requirements of mainland China or the relevant jurisdictions. Outward remittance may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned remittance.


CNH Renminbi exchange rate is applicable to personal customer. For commercial customer, please consult our bank staff for the most suitable rate.