TC006431)
NNC223601068824 & NAR122401917699)
15-11-01760, 12-06-00056, and 12-06-00110).
For Hong Kong residents and international travellers exchanging physical banknotes (JPY, TWD, THB, EUR, GBP, USD), the Des Voeux Road Central and Cleverly Street corridor in Sheung Wan is widely recognized for offering zero-commission retail exchange rates with razor-thin spreads. Among the most popular street-level shops is SMALL GIRL MONEY EXCHANGE LIMITED (小女孩找換有限公司).
Using official Hong Kong Companies Registry and Customs MSO records, 86hc.com verifies its statutory background[1][2]:
- 10-Year Licensed MSO Entity (Formerly Hong Kong Si Fang Money Exchange): Incorporated on 22 June 2015 under CR No.
2254154and BRN64925153asHONG KONG SI FANG MONEY EXCHANGE LIMITED (香港四方找換有限公司), granted Customs MSO Licence15-11-01760in November 2015, and officially renamed on 27 January 2017 via FormNNC2(Barcode:23601068824) to SMALL GIRL MONEY EXCHANGE LIMITED (小女孩找換有限公司); - Registered & Licensed Premises: Its statutory registered office and flagship street-level counter are located at Room A, G/F, General Commercial Building, 156-164 Des Voeux Road Central, Sheung Wan, Hong Kong, alongside a Customs-registered branch at Shop No. 3115, Level 3/F, Lucky Plaza, 1-15 Wang Pok Street, Sha Tin.
1. Hong Kong Retail FX Benchmark: Small Girl vs. Ngau Kee vs. Travelex
| Comparison Metric | SMALL GIRL MONEY EXCHANGE LTD小女孩找換有限公司 | NGAU KEE MONEY CHANGER CO LTD牛記找換有限公司 | TRAVELEX CURRENCY EXCHANGE LTD通濟隆外幣找換有限公司 |
|---|---|---|---|
| CR No. & BRN | CR: 2254154 · BRN: 64925153(View Registry) | CR: 0794162 · BRN: 32584494(View Registry) | CR: 0603431 · BRN: 20852677(View Registry) |
| Incorporation & Pedigree | Inc. 2015-06-22 (Renamed from Hong Kong Si Fang Money Exchange on 2017-01-27). | Inc. 2002-04-19 (Heritage Sheung Wan family money changer operating since the 1930s). | Inc. 1997-04-11 (Formerly Thomas Cook / Travelex Hung Kai Airport Currency Exchange). |
| HK Customs MSO Licence | 15-11-01760 | 12-06-00056 | 12-06-00110 |
| Primary Premises | • Rm A, G/F, General Commercial Bldg, 156-164 Des Voeux Rd C, Sheung Wan • Shop 3115, 3/F, Lucky Plaza, Sha Tin | • G/F, Champion Bldg, 1 Cleverly St / 289-291 Des Voeux Rd C, Sheung Wan | • Rm 601 Tsim Sha Tsui Centre (HQ) • Hankow Centre & HK International Airport |
| Rate Spread & Best Use Case | Ultra-tight spreads + 0% commission; WhatsApp rate-locking for JPY, TWD, THB, EUR, GBP banknotes. | Deep wholesale cash liquidity across both major and exotic Asian currencies. | 24/7 airport & tourist convenience with online pre-order pickup, though counter spreads are wider. |
2. Consumer SOP: WhatsApp Rate-Locking & Cap. 615 Statutory CDD Threshold (HK$120,000)
Rule 1: Telephone/WhatsApp Rate-Locking Never Requires Prepayment to Personal Accounts
Legitimate street-level money changers allow customers to reserve banknotes for same-day counter collection by registering a phone number and currency amount. Never wire funds in advance to unverified personal bank accounts claiming to be social media "money changer agents."
Rule 2: Why Exchanging HK$120,000 or Above Legally Requires HKID / Passport Verification
Under Section 3(1)(b) of Schedule 2 to the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615), any licensed MSO conducting an occasional cash currency exchange transaction equal to or exceeding HK$120,000 (or a wire remittance equal to or exceeding HK$8,000) is legally required to perform Customer Due Diligence (CDD) by inspecting and recording the customer's HKID or passport details[2].
3. Verified ICRIS Statutory Filing Index for SMALL GIRL MONEY EXCHANGE LIMITED (CR: 2254154)
| Filing Date | Form Code | Statutory Document Title | ICRIS Barcode | Pages |
|---|---|---|---|---|
| 2020-07-13 | NAR1 | Annual Return 2020 (Form NAR1) | 22401917699 | 8p · View |
| 2019-07-18 | AMEND | Revised Document / Statutory Instrument | 23101680364 | 8p · View |
| 2019-06-25 | NAR1 | Annual Return 2019 (Form NAR1) | 23101673444 | 8p · View |
| 2019-06-04 | ND2A | Notice of Change of Company Secretary and Director (Form ND2A) | 23101666833 | 3p · View |
| 2018-07-11 | NAR1 | Annual Return 2018 (Form NAR1) | 22401637459 | 8p · View |
| 2018-02-01 | ND2A | Notice of Change of Company Secretary and Director (Form ND2A) | 22201677325 | 3p · View |
| 2017-08-17 | NAR1 | Annual Return 2017 (Form NAR1) | 23001461454 | 8p · View |
| 2017-01-27 | NNC2 | Notice of Change of Company Name (Form NNC2) Renaming HONG KONG SI FANG MONEY EXCHANGE LIMITED to SMALL GIRL MONEY EXCHANGE LIMITED | 23601068824 | 1p · View |
4. Frequently Asked Questions (FAQ)
Q1: Is Small Girl Money Exchange Limited licensed by Hong Kong Customs?
Yes. SMALL GIRL MONEY EXCHANGE LIMITED (小女孩找換有限公司) is incorporated under CR No. 2254154 and BRN 64925153, holding Hong Kong Customs MSO Licence 15-11-01760 at Room A, G/F, General Commercial Building, 156-164 Des Voeux Road Central, Sheung Wan and Shop 3115, 3/F, Lucky Plaza, Sha Tin.
Q2: At what amount is ID verification mandatory at a Hong Kong money changer?
Under Cap. 615 Schedule 2, cash currency exchange of HK$120,000 or above (or wire transfer of HK$8,000 or above) legally requires customer identification and verification (CDD).
5. Official Statutory Registers & References
- Hong Kong Companies Registry (ICRIS): Statutory Register and 10 Filings for SMALL GIRL MONEY EXCHANGE LIMITED (CR No.
2254154, BRN64925153; FormNNC2Barcode23601068824), NGAU KEE MONEY CHANGER COMPANY LIMITED (CR0794162), and TRAVELEX CURRENCY EXCHANGE LIMITED (CR0603431). Official Portal: www.e-services.cr.gov.hk ↗. - Hong Kong Customs and Excise Department: Register of Money Service Operators under Cap. 615 AMLO — Small Girl Money Exchange Limited (
15-11-01760), Ngau Kee Money Changer Company Limited (12-06-00056), Travelex Currency Exchange Limited (12-06-00110). Official Register: HK Customs MSO Register ↗. Related Guides: HK Customs MSO Directory · HK MSO Licence Application Guide.