Hang Seng Bank  
Frequently Asked Questions
General Enquiries - Service Business Hours
Q: What is the business hours for services provided under Business e-Banking?
A: Please refer the following table for the Business hours:
 
Service Business Hours (HKT 24 hour display)
Opening Cut-off
Foreign Exchange       
  1,2,3USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD
Monday - Friday 24 hours5
  Saturday 00:00 03:30
  08:00 12:55
  3,4THB, ZAR
Monday - Friday 08:00 21:00
  Saturday 08:00 12:55
Fund Transfer      
  - Between own Hang Seng accounts
     
    Same Currency
Monday - Sunday & Public Holiday 24 hours
  - To other Hang Seng accounts
   
    Same Currency
Monday - Sunday & Public Holiday 24 hours
    Cross Currency
   
      1,2,3USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD
Monday - Friday 24 hours5
  Saturday 00:00 03:30
  08:00 12:55
      3,4THB, ZAR
Monday - Friday 08:00 21:00
  Saturday 08:00 12:55
Remark:
1: Only applicable to Business Integrated Account, Foreign Currency Statement Savings Account, USD Current Account.
2: Please note that same day foreign currency exchange cannot be processed in the following timeslots:
- Full day of New Year's Day, Good Friday and its following day, Christmas Day
- From 00:00 to 06:00 on the day following New Year's Day, Christmas Day and specific US holidays (Martin Luther King, Jr. Day, Presidents' Day,
Memorial Day, Independence Day, Labor Day and Thanksgiving Day).
3: For Foreign Currency Passbook Savings Account, service hours will be Mon- Fri: 08:00 - 18:55, Sat 08:00 - 12:55.
4: Same day foreign currency exchange for THB and ZAR cannot be processed during all Hong Kong Public Holidays.
5: Opening time is 06:00 on Monday which is a business day.
  - To other accounts
     
  To accounts with other local banks by "Local Interbank Transfer (CHATS)"Note 1
Monday - Friday 09:00 17:45
  Saturday, Sunday & Public Holiday Instruction placed will be processed on the next clearing day
  To accounts with other local banks by "Faster Payment System"Note 2
Monday - Sunday & Public Holiday 24 hours
  To accounts with other banks by RemittanceNote 1 & 3
Monday - Friday 09:00 18:00
  Saturday 09:00 12:00
  Sunday & Public Holiday Instruction placed will be processed on the next business day
Notes:
1. The specified same-day processing or same-day value cut-off time apply only to payments fulfilling the conditions of straight-through-processing (STP) (e.g. debit account with sufficient funds and correct / complete information (including beneficiary account number) provided). Non-STP instruction will take longer processing time and the Bank may process the payment instructions within the same day when, or on the next clearing day, after the conditions of STP are fulfilled. Different remit currencies are subject to different same-day value cut-off time. For details, please refer to Outward Remittance & CHATS Services Cut-off Timetables.
2. Fund Transfer by "Faster Payment System" is applicable for HKD and CNY.
3. HKD remittance application to all countries received on Saturdays will be processed on the following business day. If the Outward Telegraphic Transfer (ORTT)involves interbank settlement through Local Interbank Transfer (CHATS) and has a transfer date that falls on a Saturday, it will be processed on the next clearing day.
 
Gold Trade Monday - Friday 08:00 23:55
  Saturday 08:00 12:55
  Sunday & Public Holiday Instruction placed will be processed on the next business day
 
e-Cheque      
  e-Cheque Deposit
Monday - Sunday & Public Holiday 24 hours
    e-Cheque follows the Five-Day Clearing Week. Funds will be available on the next settlement day after 15:00 if the e-Cheque is deposited before 19:00 on every settlement day. *
*May not be applicable if Typhoon Signal No. 8 (or higher) or black rainstorm is hoisted on the settlement day.
 
Bill Payments      
  - Pay with Bank Account
Monday - Friday 09:00 19:00
  Saturday 09:00 16:30
  Sunday & Public Holiday Instruction placed will be processed on the next business day
  - Pay with Credit Card
Monday - Friday 09:00 16:30
  Saturday, Sunday & Public Holiday Instruction placed will be processed on the next clearing day
 
Autopay Instruction Submission Cut-Off Time* Monday - Thursday 09:00 17:30
  Friday 09:00 - Saturday 17:30
  (Autopay to be valued on the next clearing day, Saturdays, Sundays and public holidays are invalid Value Dates)
 
Time Deposits **      
  - Place new deposit
Monday - Friday 08:00 17:55
  Saturday 08:00 12:55
  Sunday & Public Holiday Instruction placed will be processed on the next business day
  - Modify maturity instruction
Monday - Saturday 24 hours
  Sunday & Public Holiday 06:00 00:55
 
MPF Services Monday - Friday 24 hours
  Saturday, Sunday & Public Holiday Instruction placed will be processed on the next business day

Remark:
* The Bank will process an autopay instruction on the pre-set payment date provided the instruction is submitted via Business e-Banking one working day, at least, prior to the payment date. While the related payments will be debited on the payment date, the value date of payments to the payees will depend on which banks beneficiaries maintained their accounts. In general, Hang Seng Bank and The Hongkong and Shanghai Banking Corporation Limited's payee accounts will be credited on the same day as the debiting day.
   
** From 00:55 to 06:00 every Sunday, the service for new deposit setup and maturity instruction amendment will be temporarily suspended.