Skip to main content

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details, please read our Online Terms & Conditions, Privacy Policy, Cookies Policy and Personal Information Collection Statement.

Personal e-Banking
Personal Stock Trading
Business e-Banking
Hang Seng HSBCnet
System Maintenance Schedule Register e-Banking

Search by category

    Cancel

    Popular searches

    Here are our search suggestions

    Discounts and offers

    I'm looking for

    Merchant Privilegs

    As a Preferred Banking customer, you can enjoy the following offers and services.

    Medical

    CUHK Medical Centre: Preferential price for medical check-up services at Wellness Centre[1]

     

    WomenCare Health Check Programme

    • Plan W2: HKD5,130 (original price HKD5,400)
    • Plan W3: HKD7,410 (original price HKD7,800)

    MenCare Health Check Programme

    • Plan M2: HKD3,705 (original price HKD3,900)
    • Plan M3: HKD5,605 (original price HKD5,900)

    Brain Health Programme: HKD4,703 (original price HKD4,950)

    Prostate Health Programme: HKD3,040 (original price HKD3,200)

    Heart Health Programme

    • Plan 1: HKD5,320 (original price HKD5,600)
    • Plan 2: HKD7,562 (original price HKD7,960)

    Reservation Details at Wellness Centre

    Address: B11, 11/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 3946 6188

    E-mail: wellness@cuhkmc.hk

    CUHK Medical Centre: Preferential price for the Eye Health Programmes at Eye Centre[1]

    Comprehensive Eye Examination Plan: HKD950 (original price HKD1,000)

    Glaucoma Assessment Plan: HKD3,572 (original price HKD3,760)

    Macular Health Screening Plan: HKD2,527 (original price HKD2,660)

    Dry Eye Screening Plan: HKD2,185 (original price HKD2,300)

    Reservation Details at Eye Centre

    Address: 2/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 3946 6233

    Beauty and Healthcare

    ATO Hair Club: Multi Hair Treatments (choose 3 out of 7) with HKD688[2]

    • Original price: HKD4,860
    • Treatments available: Keratin Treatment, Hair Straightening Re-Growth·   Bleach,  Contrast, Full Hair Tinting,  Hair Cut & Finish, K18 Peptide Serum
    • Promo code：TJ1027
    • Appointment and enquiries: Dial (852) 2156 5885 or WhatsApp to (852) 5915 7395

    ATO Hair Club: Purifica Pro Hair Treatment with HKD888[2]

    • Original price: HKD5,560
    • Promo code：TJ1027
    • Appointment and enquiries: Dial (852) 2156 5885 or WhatsApp to (852) 5915 7395

    EC Dental Care: Professional Scaling and Full Mouth Dental X-Rays with HKD500[3]

    • Original price: HKD1,290
    • Add-on: 2 person family plan with HKD990, 3 person family plan with HKD1,450, and $480 for each direct family member thereafter (maximum 2 persons)
    • Promo code：TJ1027
    • Appointment and enquiries: Dial (852) 2120 6156 or WhatsApp to (852) 9888 5630 

    Travel

    Novotel Citygate Hong Kong[4]

    • 20% discount on room reservation
    • Enjoy free scheduled shuttle service to/from AsiaWorld Expo for customers who stay at Novotel Citygate Hong Kong for taking SAT exam during the SAT exam period & late check-out until 2pm on the check-out date
    • Customers are required to make prepaid booking for the eligible rate plan at the hotel’s website by entering the promo code [HASE2024] and inputting the Customer Type [PREFERRED] at the Remarks on the payment page at the time of booking. Customers shall present their Hang Seng Preferred ATM card or "My ATM Card" page on Hang Seng Personal Banking mobile app upon arrival at the hotel to enjoy the Offer.

     

    The Silveri Hong Kong-MGallery[5]

    • 20% discount on room reservation
    • Customers are required to make prepaid booking for the eligible rate plan at the hotel’s website by entering the promo code [HASE2024] and inputting the Customer Type [PREFERRED] at the Remarks on the payment page at the time of booking. Customers shall present their Hang Seng Preferred ATM card or "My ATM Card" page on Hang Seng Personal Banking mobile app upon arrival at the hotel to enjoy the Offer.

    Hang Seng Credit Card Privileges

    Wan Kee / Catalog / GigaSports / marathon Sports​

    • 10% off selected regular-priced items​

    Agoda​

    • 7% off on prepaid hotels​

    Expedia.com.hk​

    • 8% off on prepaid hotels (Discount code: HASEHK08)​

    Hotels.com​

    • 8% off on hotel reservations (Discount code: HASE)​

    Häagen-Dazs™​

    • 8% off ice cream cake ordering (Regular size or above)​

    Venchi​

    • 5% off regular-priced chocolate items​
       

     

    Please click here for more details.​

     

    Banking product privileges

    • Customers who newly opened Investment Fund Account can enjoy 0% fund subscription fee offer [6]
    • Existing Investment Fund customers can enjoy the below subscription fee[8]
    Bond Funds Other Funds Index Funds
    Net 1.8% Subscription Fee via any channels Net 2.4% Subscription Fee via any channels Net 1% Subscription Fee via online channels
    Monthly Investment Plan for Funds [7]
    • Successfully set up Monthly Investment Plan for Fund to enjoy preferential subscription fee offer
    • New to securities customers: Unlimited $0 brokerage for BUY & SELL trade of HK Stock / A shares / US Stocks in the first 3 months from account opening via online channel  [9]
    • US stocks trading privileges: 50% off brokerage fee offer [10]
    • Enjoy $0 brokerage fee for BUY trades of Exchange Traded Funds ("ETFs") managed by Hang Seng Investment Management Limited and listed in Hong Kong Limited  [11]
    • Deposit HK stocks can enjoy up to $3,600 cash reward Footnote remark square bracket  [9]
    • 1 year handling fee waiver for setup new Hang Seng Monthly Investment Plan for Stocks  [9]
    • IPO handling fee waiver for all IPOs of HK stocks subscribed through digital channels [9]
    • Enjoy preferential interest rates for Time Deposit in designated tenor and amount of Eligible New Fund Balance[12]

    Exchange foreign currency to enjoy:

    • 1-month time deposit rate up to 6.5% p.a. [13]
    • 1-week time deposit rate up to 13% p.a. [13]
    • Welcome offer up to $700 +FUN Dollars[14]
    • Up to 7% +FUN Dollars for foreign currency spending[15]
    • Up to 5% +FUN Dollars for eligible local fast food/ coffee shop transactions, capped at $100 +FUN Dollars[16]
    • No Annual Fee required for both Principal Card and Supplementary Card (if applicable) customers[17]
    • Successfully apply and fulfill designated spending amount to enjoy welcome offer up to $700 +FUN Dollars [17]
    • Apply Card and open a Preferred Banking account to enjoy $100 +FUN Dollars [17]
    • Enjoy up to 6% +FUN Dollars on designated spending categories [18]
    • Interest Rate P+1% p.a.[19]
    • Preferential interest rate[20]
    • First year annual fee waiver and 50% discount of annual fee from the second year onwards[20]
    • 0% handling fee[21]
    Insurance Plan
    		 Offer
    • eCancerPro Insurance Plan
    		 Successfully apply for the dedicated life insurance plan with promotion code 3UNPC5
    during promotional period to enjoy 5 months premium waiver[22].
    • eFamilyPro Life Insurance Plan
    		 Successfully apply for the dedicated life insurance plan with promotion code 3SGMF9 during promotional period to enjoy 9 months premium waiver[22]
    • The above life insurance plan is underwritten by Hang Seng Insurance Company Limited. Please call our hotline at 29988038 or visit hangseng.com/ins-discount for the plan details
    Designated Life Insurance Plan
    		 Premium discount for the first year upon successful application for any designated life insurance plan with the designated amount
    • Please contact our branch staff or visit hangseng.com/lifeinsurance for details
    Insurance Plan
    		 Offer
    • Travelsure Protection Plan (Annual Global Cover)

    Successfully apply for the Travelsure Protection Plan (Annual Global

    Cover) with designated promotion code during promotional period[23]to enjoy:

    • 30% first-year premium discount
    • HKD150 e-Gift voucher
    • Travelsure Protection Plan (Annual China Cover)

    Successfully apply for the Travelsure Protection Plan (Annual China

    Cover) with designated promotion code during promotional period[23] to enjoy:

    • 20% first-year premium discount
    • HKD100 e-Gift voucher

    Banking service privileges

    Handling fee waiver
    • Foreign currency notes purchase / sale
    • Purchase of Gift Cheques (50% discount)
    • Set up and amend standing instruction
    • Set up Direct Debit Authorisation
    • AutoSweeping Service[24][25][26][27]

    Benefits at a glance

    Contact us

    Call us

    24-hour Banking Manned hotline

    (852) 2822 8228

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Investment Fund
      Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. The risks for funds which are index funds include but not limited to: Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index. Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index. Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index. The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
    2. Securities Services
      Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result ofbuying and selling securities.
      Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
      Once the respective quota is used up, trading will be affected or will be suspended.
      Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
      When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
      Investors will be exposed to currency risk if conversion of the local currency into RMB is required.

      Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
      Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.
    3. Investors should not only base on this material alone to make any investment decision, butshould read in detail the relevant risk disclosure statements.Foreign Currency Time Deposit risk
      Currency risk
      • RMB currency risk
        Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
      • Foreign Currency risk
        Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts the deposits from foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.
    4. Secured Overdraft
      • All asset types must be approved by Hang Seng Bank Limited (“the Bank”). The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time
      • Hang Seng reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us
    5. Insurance products
      Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorized by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) and the product is a product of Hang Seng Insurance but not Hang Seng Bank; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly
    6. Please read Hang Seng Preferred Terms and Conditions.
    7. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    1. The privilege is provided by CUHK Medical Centre. Terms and conditions apply. Please refer to CUHK Medical Centre Terms and Conditions.
    2. The privilege is provided by ATO Hair Club. Terms and conditions apply. Please refer to ATO Hair Club Terms and Conditions.
    3. The privilege is provided by EC Dental. Terms and conditions apply. Please refer to EC Dental Terms and Conditions.
    4. The privilege is provided by Novotel Citygate Hong Kong. Terms and Conditions apply. Please refer to Novotel Citygate Hong Kong Terms and Conditions.
    5. The privilege is provided by The Silveri Hong Kong-MGallery. Terms and Conditions apply. Please refer to The Silveri Hong Kong-MGallery Terms and Conditions.
    6. The promotion period for the subscription fee offer of designated funds is from 1 July 2024 to 30 September 2024. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/fundoffer.
    7. The promotion period of Monthly Investment Plan for Fund is from 1 January 2024 to 31 December 2024. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/mipfund.
    8. The promotion period is from 1 January 2024 to 31 December 2024. Investment involves risk, terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invfund.
    9. The promotion period is from 1 July 2024 to 30 September 2024. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and Conditions apply.
    10. The promotion period is from 1 December 2023 to 31 December 2024. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and Conditions apply.
    11. The promotion period is from 1 March 2024 to 30 June 2024. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and Conditions apply. This offer is only applicable to ETFs managed by Hang Seng Investment Management Limited and listed on the Stock Exchange of Hong Kong Limited. To learn more about the eligible ETFs, please visit website of Hang Seng Investment Management Limited  > Our Products > Exchange Traded Funds (ETF). This offer is provided by Hang Seng Bank Limited. However, please note that the eligible ETFs are managed by Hang Seng Investment Management Limited (a wholly-owned subsidiary of Hang Seng Bank Limited) and the relevant eligible ETFs’ trustee, index provider, the participating dealers, market makers and any other service providers (as applicable) may include members of the HSBC Group. Please refer to the Hong Kong offering document of the eligible ETFs for details including any potential conflicts of interest in respect of those ETFs that may arise.
    12. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    13. The promotion period of this offer is from 2 July 2024 to 30 September 2024. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 July 2024 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
    14. The offer is valid from 24 March to 31 December 2024. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    15. Customers can enjoy up to 7% +FUN Dollars upon registering for 2024 Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Program and meeting accumulative monthly eligible spending of HKD6,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    16. The promotion period is from 1 July 2024 to 30 September 2024. New customers who newly open Preferred Banking account, and successfully apply for Principal Card of Hang Seng Travel+ Visa Signature Card / MMPOWER World Mastercard or University / College Affinity Credit Card (“Eligible credit card”) can enjoy up to 5% +FUN Dollars for eligible local fast food/ Coffee shop transactions ("Eligible Transactions”) made during the first 3 months after applying eligible credit card successfully, the total maximum reward under eligible local fast food/ Coffee shop transaction is an extra $100 +FUN Dollars rebate. Terms and Conditions apply, for details, please refer to hangseng.com/prfpromo.
    17. The promotion period is from 1 July to 31 December 2024. Terms and Conditions apply. For details, please visit hangseng.com/mpower. Terms and conditions apply to the Preferred Banking account opening rewards, please visit hangseng.com/prfpromo for details.
    18. The promotion period is until 31 December 2025. Customer is required to accumulate Eligible Monthly Retail Spending of HKD5,000 or above. Rebates for Overseas Foreign Currencies Spending, Online Retail Spending and Selected Spending Categories can enjoy extra +FUN Dollars rebate. During the Promotion Period, customers can enjoy extra up to $500 +FUN Dollars in total per month. For the rebate ratio entitlement on designated spending categories, offer terms and other details, please refer to hangseng.com/mpower.
    19. Terms and conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff.
    20. The offer is only applicable to new customers.
    21. Terms and Conditions apply. For details, please visit hangseng.com/loan.
    22. The promotion period is from 1 July to 30 September 2024. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss.
    23. The promotion period is from 1 July to 30 September 2024. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the Terms and Conditions of the promotion offer, please visit hangseng.com/gi1.
    24. If your HKD Current Account is overdrawn or the line of credit is exceeded, but the daily total overdraft / excess amount is HKD20,000 or below, we'll automatically transfer the required funds from your HKD Savings Account under Integrated Account to your HKD Current Account not later than the following business day. If your daily total overdraft / excess amount is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a 2Way SMS on the execution of the automatic transfer to your local mobile number in our bank record. This service is free of charge. If you don't wish to use it, please call our Customer Service Hotline listed at the back of your ATM card or visit any of our branches to cancel this service.
    25. Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account under the same Integrated Account and subject to the available balance of that savings account.
    26. If the required Auto-sweeping fund transfer is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a SMS to the sole / principal account holder's local mobile number in our bank record. You should follow the instruction in the SMS to confirm the Auto-sweeping fund transfer. Without your reply, we'll execute your Auto-sweeping fund transfer automatically.
      If you haven't provided a local mobile number, or your local mobile number is linked to multiple Integrated Accounts that are eligible for the Auto-sweeping service and the required fund transfers for more than 1 accounts are greater than HKD20,000 but less than or equal to HKD100,000, Auto-sweeping fund transfer will be executed without the delivery of the SMS. 
    27. We have the absolute discretion in deciding whether to execute any Auto-sweeping fund transfer as we consider appropriate and aren't liable for any loss incurred by the customer with issues related to the SMS (such as any non-receipt, delay or error).

    Unless otherwise specified, the promotion period of the Offers mentioned above is from 1 January 2023 to 31 December 2024. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein. Terms and conditions apply to all the products / services and privileges mentioned above. For details, please contact our branch staff, refer to the respective flyer or visit hangseng.com. The Bank reserves the right to suspend, vary or terminate the offers and to amend their terms and conditions at any time without prior notice. The life insurance plans mentioned above are underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance") which is authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent authorized by Hang Seng Insurance and the insurance products are products of Hang Seng Insurance but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly.

    The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not the Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide the Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

    In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.

    The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks.

    To borrow or not to borrow? Borrow only if you can repay!