Currency Exchange

1. What currency exchange services are available on Mobile Banking?
   • HKD-CNY or foreign exchange plus cross-rate exchange services are available on Mobile Banking.


2. Are there any additional charges for using currency exchange services on Mobile Banking?
   • The currency exchange services on Mobile Banking are free of charge.


3. What is the daily maximum exchange limit for Renminbi from/to other currencies?
   • There is no daily exchange limit for Renminbi. However, conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment.


4. What are the service hours of currency exchange services on Mobile Banking?
   • The service hours of the currency exchange services on Mobile Banking are 24 hours (Monday-Friday) and from Hong Kong time 08:30 to 13:00 (Saturday) on Mobile Banking. For details of service hours for respective currencies and special occasion, please go to the "Exchange" item under "Currency Exchange" on Mobile Banking.


5. Can I withdraw the foreign currency banknotes from branches after performing currency exchange on Mobile Banking?
   • Cash withdrawal from Multi-Currency Account is subject to the availability of banknotes. This service is available to certain foreign currencies only. Handling charges may apply.


6. Can I check the details of the currencies that I hold on Mobile Banking?
   • Yes, you can enquire the ledger balance and available balance for each currency of your account at "Account Overview" under "Enquiry" or "Account Details" under "Currency Exchange" on Mobile Banking.


7. How can I enquire my latest currency exchange transactions completed conducted via Mobile Banking?
   • You can select "Last Ten Mobile Banking Txn Records" under "Smart Links" on Mobile Banking. Or you can select "Transaction Records" under "Currency Exchange". In addition, you may select "Last Ten Transaction Records (Mobile Banking)" under "Assistant" on Internet Banking to enquire the latest currency exchange transactions conducted via Mobile Banking.


8. How can I ensure the currency exchange instruction has been submitted?
   • You may check whether the submission is successful or not on Mobile Banking.
     1. The Reference Number upon transaction completion; or
     2. Last Ten Mobile Banking Transaction Records


9. How is the "Reference Available Balance (HKD)" under "Account Details" calculated?
   • The "Reference Available Balance (HKD)" is the equivalent balance in HKD calculated basing on the current exchange rate or the reference exchange rate quoted at a specific time of the relevant currency. This balance is for reference only.


10. Are the exchange rates quoted on Mobile Banking the reference prices?
    • Yes.

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