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Terms and Conditions

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  1. I acknowledge that: (i) the Client Terms and the applicable documents referred to in Part A of the Client Terms including the Current / Cheque / Savings Account and Time Deposit Account Terms, Integrated Deposits Account Terms (if applicable) of Standard Chartered Bank (Hong Kong) Limited (the “Bank”), and the following terms and conditions (“banking agreement”) are applicable to this application and the services applied under this application; (ii) the banking agreement has been made available to me, and (iii) I have read and understood the banking agreement and I agree to be bound by them.
  2. Subject to the banking agreement, I hereby authorize and request the Bank to, in accordance with the above particulars, transfer the specified exchange amount from my designated account to the same name account after the Bank’s conversion of the same into the designated currency at the prevailing exchange rate on the same day as absolutely determined by the Bank, at the frequency (daily or monthly, i.e. once on each clearing day or once in each month) as from and until the date specified above.
  3. I hereby acknowledge and agree that the instruction will be executed on the following clearing day in the event of non−clearing day. However, if the following clearing day is beyond the end date as specified above, the relevant transfer falling on non−clearing day will not be processed on the following clearing day and the above instruction will end on the last clearing day of the above period. For monthly instruction falling on non-clearing day while the following clearing day falls into the next calendar month, or in a calendar month without the day of 29th, 30th or 31st, such instruction will be processed on the preceding clearing day. If there are multiple transfers (including but not limit to the transfer executed on the following clearing day in the event of non−clearing day) for me on the same clearing day, the Bank may process the relevant instructions in the order or at the time as the Bank may think fit at its absolute discretion.
  4. I hereby acknowledge and agree that the Bank may carry out the above instruction at such time as the Bank may absolutely think fits on an exchange day. The Bank is not obliged to (but may) make further attempt to carry out the instruction if there has been any unsuccessful prior attempt at any time on an exchange day.
  5. The earliest effective date for your above instruction will be on the next business day after the Bank receives your instruction.
  6. I hereby undertake to maintain sufficient available funds in my designated account at all times to enable the Bank to carry out the above instruction and understand that a charge may be levied, at the Bank’s discretion, on each unsuccessful attempt due to insufficient fund. The Bank may at its absolute discretion not utilize any overdraft facility granted to me to carry out the instruction. The Bank reserves the right not to act on any instruction if there is an insufficient fund in the designated account for the Bank to execute the instruction.
  7. I hereby acknowledge and agree that the Bank may at its absolute discretion not carry out the above instruction without giving any reason or notice. Without prejudice to the generality of the foregoing, the Bank may not carry out the above instruction wholly or partially if the daily exchange limit as prescribed from time to time by the Bank will be exceeded by carrying out the instruction.
  8. I hereby acknowledge and agree that the Bank may at its absolute discretion not to follow the above instruction without notice if for whatsoever reason the above instruction cannot be successfully carried out.
  9. Unless the Bank otherwise agrees, any revocation or change of the above instruction shall not be effective unless the Bank receives my prior notice of amendment or cancellation instruction through Online Banking one business day before the effective date.
  10. I further agree that the Bank will not be liable for any delay or failure to carry out the above instruction where such delay or failure is attributable (whether directly or indirectly) to any cause beyond the Bank’s control and under no circumstances shall the Bank be responsible to me for any consequential or indirect losses arising out of or in connection with the carrying out or otherwise of my instruction.

Risk Disclosure Statement

Foreign Exchange
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

Renminbi Service

  • Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including Hong Kong dollars); and
  • RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.