Banks and exchange Banks generally open Mon-Fri 9am-4.30pm, Sat 9am-12.30pm, though there is quite a hefty commission on travellers' cheques in many banks; among those who generally don't charge commission are the Hang Seng, Wing Lung Bank and the Wing On. The licensed moneychangers, on the other hand, which open all hours including Sundays, may not charge commission but sometimes give very poor rates; signs saying "No Commission" may only apply if you're selling Hong Kong dollars. Especially avoid moneychangers with windows looking onto Nathan Road, and always ask around before changing large sums as there are significant variations in rates.