Integrated Account  open a Hang Seng Integrated Account to enjoy the convenience of all-rounded financial management

Integrated Financial Services

Deposit Services


Integrated Account offers you Hong Kong Dollar Savings(1), Renminbi and Foreign Currency Savings, Time Deposits, Hong Kong Dollar Current(1) and Statement Gold Accounts as well as all other types of deposits in one integrated account. Every month, you will receive one consolidated statement of your monthly account balance, transfers, payments, withdrawals and investments for an at-a-glance summary of your entire portfolio.


Investment Services

Insurance Services

Hang Seng Personal Loan Service(3) & No-Bounce Cheque/Autopay Protection(4)

AutoSweeping Service(5)

If your Hong Kong Dollar Current Account under the Integrated Account is overdrawn or the line of credit is exceeded, we will transfer the required funds from the Hong Kong Dollar Savings Account to the Current Account(6) in your Integrated Account not later than the following business day. This ensures smooth processing of account transfers and issued cheques, while helping you save on interest expenses and avoid overdraft risks. Our 2Way SMS notification service keeps you informed about overdrafts and confirms the execution of automatic transfers(7)(8), providing enhanced convenience and flexibility in managing your finances.

Credit Card Service

Upon card approval, Integrated Account customers can enjoy perpetual annual fee waiver(9) and welcome gift offer(10) . What's more, customers with designated net worth(11) can enjoy a priority approved Hang Seng Credit Card(12).

Convenient Channels

Risk Warning

Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

Hang Seng Bank Limited (the "Bank") reserves the right to suspend, vary or discontinue any promotion offers and services at anytime without further notice. The Bank also reserves the right to revise any interest rates, fees and charges from time to time subject to the Bank's notice for any such variation. In case of dispute, the decision of the Bank shall be final.

Please refer to the terms and conditions of respective products and services for details.

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