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

    Prestige Banking: Banking Products and Privileges

    I'm looking for

    Banking products and privileges

    Wealth management solutions

    Investment Fund

    Through the Hang Seng Fund SuperMart, you can browse a variety of fund options and access a wide range of fund information, keeping you up to date on the latest global investment trends. And with our Advanced Switching Service, you can capture opportunities swiftly and easily.

     

    Foreign currency investments

    Provides wide range of foreign currency investment products, including MaxiInterest Investment Deposit, Capital Protected Investment Deposit, FX2 - FX and Precious Metal Trading Services, FX and Precious Metal Margin Trading Services, suit your various investment needs.

    Equity Linked Investments

    An equity-linked structured product with potential to receive return based on performance of linked equities. With a flexibility to select different tenors and product features, ELIs can be tailored to meet your investment needs.

    Bonds & Certificates of Deposit

    A wide variety of bonds are available for selection,and with flexible investment tenors, fulfill your investment objective.

    Securities Trading Service

    Local Securities Trading, US Securities Trading, Stock Connect Northbound Trading (applicable to eligible securities only) and Share Margin Services are available to you. With free stock quotes, you can make the most of our one-stop securities trading platform.

    Life Insurance and Retirement Financial Plan

    We help you realise your retirement plans by achieving your financial goals. Select the life insurance plan that is right for you, with options for wealth accumulation, life protection or critical illness protection according to your personal needs.

    Medical Insurance Schemes

    We partnered with HSBC Life (International) Limited to roll out the Vital Care Voluntary Health Insurance Flexi Plan. Apart from providing you with all-round medical coverage, this plan offers the Medical Concierge Service, you can call the hotline and get the support you need. The services include answering your health enquiries, helping you with medical appointments, getting pre-authorisation for hospital admission and submitting claims for reimbursement.

    Planning for Your Children’s Future

    A Life Insurance Plan for your children can help safeguard their future.

    We offer different financing solutions to bring you extra liquidity with a variety of products and flexible repayment method, including mortgage, secured overdraft and personal loan.

    Time Deposit

    We offer HKD and other 11 foreign currencies. You can enjoy preferential time deposit rates designed to help grow your wealth.

    Transfer and Payment Services

    Settle your bill and payment by Faster Payment System (FPS), Personal e-Banking or Direct Debit Authorisation to suit your specific daily needs.

    Banking product privileges

    New securities customers [1]
    • 3-month unlimited $0 brokerage for trading HK stocks / A-shares / US stocks and up to HKD6,000 cash reward for deposit HK stocks

     

    Other securities offers[1]
    • Please click here to learn more on new and existing securities customers’ offer details.
    • Existing Investment Fund customers can enjoy the below subscription fee[2].
    Bond Funds Other Funds Index Funds
    Net 1.8% Subscription Fee via any channels Net 2.3% Subscription Fee via any channels Net 1% Subscription Fee via online channels
    eCancerPro Insurance Plan 

    Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver[3]

    • Please call our hotline at (852) 2998 8038 for the plan details and obtaining dedicated promotion code
    • This plan is underwritten by Hang Seng Insurance Company Limited
    eFamilyPro Life Insurance Plan

    Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver[3]

    • Please call our hotline at (852) 2998 8038 for the plan details and obtaining dedicated promotion code
    • This plan is underwritten by Hang Seng Insurance Company Limited
    Other Designed Life Insurance Products 

    Successfully apply designed life insurance product to enjoy first-year premium discount

    • 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[4] 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[4] to enjoy:

    • 20% first-year premium discount
    • HKD100 e-Gift voucher
    Home Care Plus Home Insurance Plan

    Successfully apply for the Home Care Plus Home Insurance Plan with designated promotion code during promotional period[4] to enjoy:

    • 20% first-year premium discount
    • HKD400 e-Gift voucher
    Studysure Protection Plan Successfully apply for the Studysure Protection Plan with designated promotion code during promotional period[4] to enjoy:
    • 25% first-year premium discount
    • HKD50 e-gift voucher (Essential Plan) / HKD300 e-gift voucher (Supreme Plan)
    • Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.

    Enjoy preferential interest rates for Time Deposit in designated tenor and amount of new fund balance[5]

    Exchange designated currency and set up a time deposit at the same time to enjoy:

    • 1-month time deposit rate up to 5.3% p.a.[6]
    • 1-week time deposit rate up to 13.9% p.a.[6]

    Enjoy Prepayment Handling Fee waiver for the first partial repayment after the designated prepayment period

    Please click here to learn more details

    • Perpetual annual fee waiver
    • Preferential interest rate
    • 0% handling fee 
    • Enjoy welcome offer of up to $600 +FUN Dollars
    • Exclusively enjoy up to 30% off designated set menus at selected restaurants
    • Airport limousine service at a special rate and worldwide airport lounge privilege
    • Global travel medical coverage up to USD100K
    • Perpetual annual fee waiver for Principal and Supplementary Card customers

    Please click here to learn more details. 

    Banking service privileges

    Handling fee waiver
    • AutoSweeping Service[7][8][9][10]
    • Foreign currency notes exchange
    • Purchase of gift cheques
    • Outward Remittance[11]
    • Set up and amend standing instruction
    • Set up Direct Debit Authorisation
    • Cheque book(s) delivery by courier services
    Handling fee offers
    • Issuance of Cashier's Orders
    • Coins changing

    Benefits at a glance

    Contact us

    Call us

    Prestige 24-hour Prestige Manned Hotline

    (852) 2998 9188

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Risk Disclosure of Investment Funds
      • 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 
        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. MaxiInterest Investment Deposit
      • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision
      • Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative
      • Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank
      • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
      • Investment in this product is subject to the credit risk of the Bank. Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB
    3. Capital Protected Investment Deposit:
      • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision
      • Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative
      • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
      • Investment in this product is subject to the credit risk of the Bank
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB
    4. FX and Precious Metal Margin Trading
      • The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your Account. You should therefore carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB
      • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all
      • Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision
      • If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice
      • The contents of this webpage have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this webpage
    5. FX2 - FX and Precious Metal Trading Services
      • Foreign exchange and precious metal trading involves a high degree of risk. You may sustain a substantial or even total loss of your initial collateral. Under certain market conditions, you may find it difficult or impossible to liquidate a position of outstanding FX2 Trading Contracts. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit your loss at the designated price. In extreme circumstances whereby the market moves significantly against your positions, you may be required to make additional deposits or interest payments within a short period of time to maintain your positions. If you fail to provide the required deposits or interest payments immediately, your positions under all outstanding FX2 Trading Contracts may be closed out without prior notice. You should therefore carefully consider if foreign exchange and precious metal trading is suitable for you in light of your own financial position and investment objectives
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB
      • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all
      • Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision
      • The contents of this webpage have not been reviewed by any regulatory authority in Hong Kong. If you are uncertain of or do not understand the nature of and the risks involved in foreign exchange and precious metal trading, you should seek independent professional advice
    6. Risk Disclosure of Equity Linked Structured Products
      • Equity Linked Structured Products involve derivatives. The investment decision is yours but you should not invest in an Equity Linked Structured Product unless the intermediary who sells it to you has explained to you that the Equity Linked Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Equity Linked Structured Product is a Complex Product and you should exercise caution in relation to this product. The market value of the Equity Linked Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Equity Linked Structured Products and carefully study the risk factors set out in the offering documents for the Equity Linked Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked investments. If you purchase the Equity Linked Structured Products, you are relying upon the creditworthiness of the Issuer of Equity Linked Structured Products.
      • Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
      • Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
      • Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.
      • Before making any investment, investors should i) read and fully understand all the offering documents relating to such securities or investments and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.
      • Below are some key risks in trading equity linked structured products linked to US underlyings. This list is non exhaustive and are provided here for your reference only. You should read and understand the risk factors together with the terms and conditions as set out in the relevant offering documents of the equity linked structured products for details.
      • Risks relating to difference in trading days and hours - Trading in each linked stock on the relevant US exchange will be executed during the trading hours of the relevant US exchange, which is located in New York and opens after normal business hours in Hong Kong. You should be aware of the trading hour and time zone difference between Hong Kong and New York in assessing the trading price of the linked stock.
      • Certain information about the linked stock may only be available in English in real time. If you are not proficient in English, you should consider whether the investment in this product is suitable to you, and obtain independent advice where necessary.
      • Reliance on mobile application and our internet banking service in providing information about the linked stock and our external service provider in providing such information - news feeds regarding updated information of the linked stock in English and Chinese are available via the Hang Seng Invest Express mobile application and, if so specified in the relevant term sheet, through our internet banking service.. Such news feeds are provided by the Bank’s external data provider and their availability may be interrupted or suspended due to either the Bank or external data provider’s technical and systematic failures, in which case the availability of such news feeds may be delayed or suspended and you may not be able to have access to such news feeds.
      • United States taxation risk - You should note that United States taxation rules are complex and their application may depend on your particular circumstances, including whether you enter into other transactions with respect to the underlying US stock. In addition, if the U.S. Internal Revenue Service successfully argue that this product is treated as “dividend equivalents”, a withholding tax at a rate of up to 30% is imposed on such payments made to a non-U.S. investor will adversely affect the potential return under the investments. You should, prior to your investment in this product, consult your own tax advisor regarding the application of related legislation arising from your investment.
    7. Important Risk Warning of Bond and Certificate of Deposit Product
      • Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product
      • Bonds are not deposits and should not be treated as substitute for conventional time deposits
      • Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
      • Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment
      • Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk)
      • The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs
      • The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment
      • No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar
      • Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard
    8. Securities Service
      • 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 of buying 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 not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements
    9. Share Margin Services
      • The prices of securities fluctuate, sometimes dramatically. Margin trading in securities involves significant risk and losses may exceed the value of your collateral. Contingent orders may not necessarily limit losses as market conditions may make it impossible to execute contingent orders. Additional margin deposits may be required at short notice. Your collateral may be liquidated without your consent and you will remain liable for any resulting deficit in your account. You should therefore carefully consider whether margin trading in securities is suitable for you in light of your own financial position and investment objectives. It is as likely that losses will be incurred rather than profit made as a result of dealing in securities
    10. 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
      • Vital Care Voluntary Health Insurance Flexi Plan (No. F00076) is a certified flexi plan under Voluntary Health Insurance Scheme by the Health Bureau of Hong Kong. This plan is underwritten by HSBC Life (International) Limited ("HSBC Life"), which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agency authorised by HSBC Life for the distribution of the above schemes. Subscriptions will be payable to HSBC Life upon enrolment in the above schemes. HSBC Life will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely the sales amount. Medical Concierge Service is provided by HSBC Life. 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 the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contract terms or performance (claims and service) of the product should be resolved directly between HSBC Life and the customer.
      • 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. Hang Seng Bank Limited ("Hang Seng 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 Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng 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 Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng 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.
    11. Mortgage
      • The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited (“Hang Seng”)
      • Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff
    12. 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
    13. Foreign Exchange Risk
      • 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.
      • 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.
    14. Please read Hang Seng Prestige Terms and Conditions.
    15. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please don't share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    Unless otherwise specified, the promotion period of the offers mentioned in this marketing material is valid until 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. Hang Seng Bank Limited (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.

    1. Terms and Conditions apply. For details, please visit hangseng.com/stockoffer.
    2. The promotion period of the Offer is from 1 January 2024 to 31 December 2024. Terms and conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/invfund.
    3. Terms and conditions apply, please note the relevant product and credit risks.
    4. Terms and Conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The promotion period is from 1 October 2024 to 31 December 2024. Please visit https://hangseng.com/gi1 for the Terms and Conditions of promotion offer. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code.
    5. Please refer to promotion page for the calculation of new fund balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    6. The promotion period of this offer is from 2 October 2024 to 31 December 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 October 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.
    7. 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.
    8. 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.
    9. 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. 
    10. 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).
    11. Prestige Private/ Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Private/ Prestige Banking by Personal e-Banking to mainland China or Macau SAR. Prestige Private/ Prestige Banking customer enjoys a privileged charge HKD230 for the non-domicile currency remittance conducted via Integrated Account of Prestige Private/ Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong SAR/ mainland China / Taiwan / Macau SAR.

    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.

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