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Terms and conditions

FX Welcome Offer

Enjoy HKD100 cash reward with accumulated transaction amount HKD 10,000 or above for any member who have not traded with the Bank before.

FX Cash Reward

Enjoy cash reward upon achieving the corresponding eligible accumulated transaction amount during the promotion period.

Eligible Accumulated Transaction Amount* (HKD equivalent)​

Cash Reward​

HKD20,000 – below HKD50,000​

HKD68​

HKD50,000 – below HKD100,000​

HKD88​

HKD100,000 – below HKD250,000​

HKD128​

HKD250,000 – below HKD1,000,000​

HKD228​

HKD1,000,000 – below HKD5,000,000​

HKD588​

HKD5,000,000 or above​

HKD1,688​

* Accumulated FX transaction amount from 1 January – 31 March 2026, excluding foreign exchange transactions of USD/HKD currency pair. Also only transactions performed in digital channels are counted as Eligible accumulated transactions.​
​
Terms and conditions apply

  1. The promotion period for this offer is from 1 January 2026 to 31 March 2026, both dates inclusive (the “FX Welcome Offer Promotion Period”).​
  2. The FX Welcome Offer is only applicable to Clients who have not performed Foreign Exchange transactions with the Bank in the recent seven years between 1 January 2019 and 31 December 2025, both dates inclusive, before the start of the FX Welcome Offer Promotion Period (“Eligible Clients”).​
  3. Eligible Clients who have achieved accumulated Eligible Foreign Exchange Transactions amount of a minimum of HKD10,000 or equivalent during the FX Welcome Offer Promotion Period will be entitled to a welcome offer of HKD100 in cash rewards.​
  4. “Eligible Foreign Exchange Transaction”, used for the purposes of FX Welcome Offer, means any foreign exchange transaction successfully performed with the Bank via Standard Chartered Online Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchange platform”).​

Foreign exchange transactions other than the above, such as those performed via Relationship Manager at branches (even through the Foreign Exchange platform), local transfers, inward international transfer or other channels, will not be counted as Eligible Foreign Exchange Transactions. ​

^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
~ Outward international transfers only​

  1. During the FX Welcome Offer Promotion Period, clients can enjoy the Welcome Offer once only.​
  1. The promotion period for this offer is from 1 January 2026 to 31 March 2026, both dates inclusive (the “FX CashReward Promotion Period”).​
  2. Clients who have achieved accumulated Eligible Foreign Exchange Transaction amount during the FX Cash RewardPromotion Period will be entitled to the corresponding cash rewards below.

    Accumulated Eligible Foreign Exchange Transaction Amount​

    Cash Reward​

    HKD20,000 – Below HKD50,000​

    HKD68​

    HKD50,000 – Below HKD100,000​

    HKD88​

    HKD100,000 – Below HKD250,000​

    HKD128​

    HKD250,000 – Below HKD1,000,000​

    HKD228​

    HKD1,000,000 – Below HKD5,000,000​

    HKD588​

    HKD5,000,000 or above​

    HKD1,688​

    ​Example: If a client performed multiple Eligible Foreign Exchange transactions and accumulated HKD1,000,000 EligibleAccumulated Transaction Amount, client will be entitled to a cash reward of HKD588.​

  1. “Eligible Foreign Exchange Transaction”, used for the purposes ofFX Cash Reward, means any foreign exchangetransaction successfully performed with the Bank via Standard Chartered Online Banking (under “Foreign Exchange”menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange”menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchangeplatform”).​

    Foreign exchange transactions other than the above will not be counted, such as those performed via RelationshipManager at branches (even through the Foreign Exchange platform), local transfers, inward international transfer orother channels. ​

^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
~ Outward international transfers only​

FX Membership Program for New and Selected Clients

Depending on the accumulated transaction amount, clients will be upgraded to the respective Membership Tier and entitled to the exclusive rewards of the Tier

You can enjoy 11% of spread discount savings for trading USD/HKD.

FX Membership

Swipe right to view the next tier

Membership eligibility1

Spread discount (USD/HKD)

Spread discount (Other non-USD currencies/HKD)

Blue

Membership eligibility1

HKD 10,000*

Spread discount (USD/HKD)

11%

Spread discount (Other non-USD currencies/HKD)

6%

Silver

Membership eligibility1

HKD 500,000*

Spread discount (USD/HKD)

22%

Spread discount (Other non-USD currencies/HKD)

13%

Gold

Membership eligibility1

HKD 2,000,000*

Spread discount (USD/HKD)

28%

Spread discount (Other non-USD currencies/HKD)

16%

Platinum

Membership eligibility1

HKD 30,000,000*

Spread discount (USD/HKD)

33%

Spread discount (Other non-USD currencies/HKD)

19%

  • Blue
  • Silver
  • Gold
  • Platinum

Foreign Exchange Membership Details​

* Accumulated FX transaction amount from 1 January – 30 June 2026​

1 The membership tiers are determined by reference to the total Accumulated Transaction Amount of all Eligible Foreign Exchange Transactions in every half year (i.e. from 1 January – 30 June or from 1 July – 31 December every year)​

2 More savings in spread for Priority Banking clients

  1. The promotion period for this offer is from 1 January 2026 to 30 June 2026, both dates inclusive (the “FX Exclusive Rates Promotion Period”).​
  2. “Eligible Foreign Exchange Transaction”, used for the purposes of FX Exclusive Rates, means any foreign exchange transaction performed successfully with the Bank via Standard Chartered Online Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchange platform”) or via Relationship Manager at branches through the Foreign Exchange platform. ​Foreign exchange transactions other than the above will not be counted, such as those performed via local transfers, inward international transfer or other channels.​^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
    ~ Outward international transfers only​
  1. The membership tiers are determined by the total Accumulated Eligible Foreign Exchange Transaction Amount of all Eligible Foreign Exchange Transactions during the FX Exclusive Rates Promotion Period.​
  2. The Accumulated Eligible Foreign Exchange Transaction Amount will be automatically calculated after Clients have successfully performed Eligible Foreign Exchange Transactions.​
  1. The promotion period for this offer is from 1 January 2026 to 30 June 2026, both dates inclusive (the “FX Exclusive Rates Promotion Period”).​
  2. “Eligible Foreign Exchange Transaction”, used for the purposes of FX Exclusive Rates, means any foreign exchange transaction performed successfully with the Bank via Standard Chartered Online Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchange platform”) or via Relationship Manager at branches through the Foreign Exchange platform. ​Foreign exchange transactions other than the above will not be counted, such as those performed via local transfers, inward international transfer or other channels.​^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
    ~ Outward international transfers only​
  1. The membership tiers are determined by the total Accumulated Eligible Foreign Exchange Transaction Amount of all Eligible Foreign Exchange Transactions during the FX Exclusive Rates Promotion Period.​
  2. The Accumulated Eligible Foreign Exchange Transaction Amount will be automatically calculated after Clients have successfully performed Eligible Foreign Exchange Transactions.​
  1. The promotion period for this offer is from 1 January 2026 to 30 June 2026, both dates inclusive (the “FX Exclusive Rates Promotion Period”).​
  2. “Eligible Foreign Exchange Transaction”, used for the purposes of FX Exclusive Rates, means any foreign exchange transaction performed successfully with the Bank via Standard Chartered Online Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchange platform”) or via Relationship Manager at branches through the Foreign Exchange platform. ​Foreign exchange transactions other than the above will not be counted, such as those performed via local transfers, inward international transfer or other channels.​^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
    ~ Outward international transfers only​
  1. The membership tiers are determined by the total Accumulated Eligible Foreign Exchange Transaction Amount of all Eligible Foreign Exchange Transactions during the FX Exclusive Rates Promotion Period.​
  2. The Accumulated Eligible Foreign Exchange Transaction Amount will be automatically calculated after Clients have successfully performed Eligible Foreign Exchange Transactions.​
  1. The promotion period for this offer is from 1 January 2026 to 30 June 2026, both dates inclusive (the “FX Exclusive Rates Promotion Period”).​
  2. “Eligible Foreign Exchange Transaction”, used for the purposes of FX Exclusive Rates, means any foreign exchange transaction performed successfully with the Bank via Standard Chartered Online Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) or Mobile Banking (under “Foreign Exchange” menu or “Own Account Transfer” or “International Transfer^~” section) (collectively, called the “Foreign Exchange platform”) or via Relationship Manager at branches through the Foreign Exchange platform. ​Foreign exchange transactions other than the above will not be counted, such as those performed via local transfers, inward international transfer or other channels.​^ Not applicable to FX transactions involving RMB/KRW/TWD/MOP​
    ~ Outward international transfers only​
  1. The membership tiers are determined by the total Accumulated Eligible Foreign Exchange Transaction Amount of all Eligible Foreign Exchange Transactions during the FX Exclusive Rates Promotion Period.​
  2. The Accumulated Eligible Foreign Exchange Transaction Amount will be automatically calculated after Clients have successfully performed Eligible Foreign Exchange Transactions.​

FX Member-Get-Member Referral Program

For Referrer:
  1. To be eligible for a successful referral, a Referee must be a Green member of the Foreign Exchange platform.
  2. Referrer cannot use his/her own Promo Code.
  3. For each Successful Referral, Referrer can enjoy HKD200 cash reward, at a maximum of HKD2,000 (i.e. 10 Successful Referrals)​ during the
    Promotion Period.
  4. The cash rebate will be credited to Eligible Clients’ HKD account either in sole name or joint names, in the following sequence: 1) Integrated Deposits Account, 2) Statement Savings, 3) Passbook Savings or 4) Current Account on or before 30 June, 2026​. If Eligible Clients have more than one account under the same account type, the Bank will select the one with the earliest account opening date.
  5. The HKD account mentioned in Clause 7.4 must still be valid at the time when the cash rebate is credited, otherwise the credit of the cash
    reward will be forfeited.
For Referee:
  1. On top of the membership preferential rate, a discount when using Promo Code will be applied to the spread margin normally charged by the Bank and automatically reflected in the exchange rate upfront when Referee conduct the Eligible Foreign Exchange Transaction.(“Promo Code FX Rates”).
  2. The Promo Code FX Rates may vary from time to time depending on the market conditions, currency fluctuations, membership tiers and other factors. The Bank reserves the right to determine the Promo Code FX Rates of the Eligible Foreign Exchange Transaction in the case of disputes.
  3. Referee, as a Green Member, can use the Promo Code more than once during the Promotion Period. Promo Code is not applicable to Blue/Silver/Gold/Platinum Members.
  4. Referee must be a Green member of the Foreign Exchange platform and conduct a single Eligible Foreign Exchange Transaction of HKD4,000 equivalent or above by inputting the Promo Code from the Referrer, during the Promotion Period (“Successful Referral”).
  1. The Member-Get-Member Referral Program of Foreign Exchange Platform (the “Program”) is applicable to clients of Standard Chartered Bank (Hong Kong) Limited (the “Bank”), whose account(s) is/are opened in his/her sole name or joint names.
  2. To be eligible to participate in the Program, clients are required to join the membership program of Foreign Exchange platform (the “Clients”) under Standard Chartered Online Banking (under “Foreign Exchange” menu) or Mobile Banking (under “Foreign Exchange” menu) (collectively, called “the Foreign Exchange platform”).
  3. Each Client from the Foreign Exchange platform, as the referrer (“Referrer”), will be assigned with a unique promo code (the “Promo Code”). Clients who are referred by Referrer as a Green member of the Foreign Exchange platform (the “Referee”), can input the Promo Code when making Eligible Foreign Exchange Transaction.
  4. Eligible Foreign Exchange Transaction means any successful foreign exchange transaction performed via Standard Chartered Online Banking (under “Foreign Exchange” menu) or Mobile Banking (under “Foreign Exchange” menu) (collectively, called “the Foreign Exchange platform”) or via Relationship Manager at branches and FX Dedicated Hotline through the Foreign Exchange platform.
  5. The promotion period of this Program is from 1 January 2026 to 31 March 2026  (both dates inclusive) (the “Promotion Period”).
  6. This Program is not applicable to any party who enjoys staff rate privileges.
  7. If Clients are entitled to this Program in conjunction with other promotional offers during the relevant promotion periods, the Bank reserves the right to grant the Clients all or part of the entitled offer(s) at its absolute discretion.
  8. The Bank reserves the right to vary, modify and terminate this Promotion and to amend any of these terms and conditions at any time without any notice. In case of disputes, the decision of the Bank shall be final and binding.
  9. If there is any inconsistency or conflict between the English and Chinese versions of these terms and conditions, the English version shall prevail.
  1. All the above mentioned privileges are applicable to clients of Standard Chartered Bank (Hong Kong) Limited (the “Bank”), namely, clients whose account(s) is/are opened in his/her sole name or joint names, but excluding Business Banking clients, Commercial Banking clients and Private Banking clients of the Bank (the “Clients”).​
  2. For non-HKD denominated transactions, the transaction amount will be converted into Hong Kong Dollars based on the relevant prevailing foreign exchange rate determined by the Bank for calculation.​
  3. The cash rebate will be credited to Eligible Clients’ HKD account either in sole name or joint names, in the following sequence: 1) Integrated Deposits Account, 2) Statement Savings, 3) Passbook Savings or 4) Current Account on or before 30 June 2026. If Eligible Clients have more than one account under the same account type, the Bank will select the one with the earliest account opening date.​
  4. The HKD account mentioned in clause 3 must still be valid at the time when the cash rebate is credited, otherwise the credit of the cash reward will be forfeited. ​
  5. The Bank reserves the right to determine the calculation methods applied under all the above mentioned privileges, together with the upgrade and downgrade mechanism for all membership tiers, namely, Green, Blue, Silver, Gold and Platinum.​
  6. All the above mentioned privileges are not applicable to any party who enjoys staff rate privileges.​
  7. The Bank reserves the right to vary, modify and terminate all the above mentioned privileges and to amend any of these terms and conditions at any time without any notice. In case of disputes, the decision of the Bank shall be final and binding.​
  8. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Risk Disclosure Statement for 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).

Notes

  • This document/webpage does not constitute any prediction of likely future price movements.
  • Investors should not make investment decisions based on this document/webpage alone.
  • This document/webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.
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