Terms and Conditions:

  1. The promotion period is from , both dates inclusive.
  2. Customers can enjoy preferential time deposit interest rate by converting HKD into RMB via Branches, Phone Banking or Hang Seng Personal e-Banking and immediately setting up an RMB time deposit. This offer is applicable to customers who hold an RMB account which is a sub-account of the Hang Seng Integrated Account. Details as below:
    Tenor
    Interest Rates (p.a.) for Integrated Accounts
    Bonus Interest Rates (p.a.) for
    Prestige Banking/Preferred Banking
    RMB10,000 to
    RMB99,999
    RMB100,000 to
    RMB499,999
    RMB500,000 to
    RMB999,999
    RMB1,000,000 to
    RMB5,000,000*
    1 week
    Applicable to –
    Prestige Banking +
    Preferred Banking +

    Applicable to –
    Prestige Banking +
    Preferred Banking +
    1 month
    2 months
    3 months
    6 months
    12 months
    *Not applicable to Hang Seng Personal e-Banking.
  3. Customers can convert HKD into RMB via the following channels and enjoy exchange rate premium according to the account type:
    Debit Account Type
    Exchange Channel
    Exchange Rate Premium of up to (basis points)
    Prestige Banking Account
    Branches /
    Phone Banking /
    Hang Seng Personal e-Banking
    Preferred Banking Account
    The exchange rate premiums are based on the differences between the preferential RMB exchange rates and the board rates.
  4. The above offers are only applicable to Personal and Private Banking customers.
  5. The preferential interest rates are for reference only. The relevant interest rates will be subject to the rates quoted by Hang Seng Bank Limited (the "Bank") from time to time.
  6. The offers are not applicable to the renewal of time deposits.
  7. Please refer to the relevant information shown on the receipt / confirmation page of the relevant transaction for the actual exchange and interest rates offered to customer at the time of transaction.
  8. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the above interest rates and exchange rate offers at any time without prior notice.
  9. The above offers cannot be used in conjunction with other interest rate or exchange rate offers for the same currency.
  10. The Bank reserves the right to suspend, vary or terminate the above offers and to amend the terms and conditions at any time without prior notice. The Bank reserves the right of the final decision on all matters relating to the offers, which shall be binding on all parties concerned.
  11. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  12. These Terms and Conditions are subject to prevailing regulatory requirements.
  13. No person other than the Customer and the Bank (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
  14. The English version of these Terms and Conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.