 Account
Opening
|
|
|
Cheque
Issuance
|
|
|
Commercial
Card
|
|
|
Phone
Banking/ Hang Seng Business e-Banking
|
|
|
Remittance
Services
|
|
|
Change
of Company Structure
|
|
|
Service
Enquiry
|
|
|
Account Opening
|
|
|
| 1. |
When can
our company start using the new Integrated Business
Solutions Account ("IBS") after account
opening? |
| |
The account opening process should be completed
within 5 working days after the required documents
have been submitted. When all the account
opening documents are ready, Hang Seng will conduct a company search
in respect of your company. Your account will be activated upon completion
of company search. A designated representative will then contact you
to introduce the features of IBS after two weeks of the account opened.
|
| 2. |
Upon successful
account opening, what tools and platforms will be
provided by Hang Seng to facilitate the operation
of IBS? |
| |
Your company can operate IBS through various platforms,
including our branches, Hang Seng Business e-Banking,
phone banking and ATMs, with
the following tools:
Tool
|
Delivery Time
(Hang Seng will mail the relevant information to customer's correspondence
address)
|
Remarks
|
| 1. Cheque Book(s)* |
After one week of submission of account opening documents |
-- |
| 2. Deposit Card(s) |
After one month of submission of account opening documents |
-- |
| 3. |
Hang Seng Card and Hang Seng Card PIN* |
|
Customer will receive "Hang Seng Card PIN" and "Hang Seng
Card Collection Advice" after one week of submission of account opening
documents |
Customer collects the card at designated Hang Seng Bank branch upon presentation
of the collection advice |
| 4. |
Hang Seng Business e-Banking PIN and Security Device* |
|
Customer will receive "Alpha PIN" and "Numeric PIN Collection Advice" within
one week after successful account opening |
Customer collects the "Numeric PIN" and "Security Device" at designated
Hang Seng Bank branch upon presentation of the collection advice |
| 5. Phone Banking PIN* |
Customer will receive "Phone Banking PIN Collection Advice" within
two weeks of submission of account opening documents |
Customer collects the "Phone Banking PIN" at designated Hang Seng Bank
branch upon presentation of the collection advice |
* For customers who have applied for the relevant service(s)
|
Cheque
Issuance
|
|
|
| 3. |
When will
Hang Seng clear the cheques deposited by our company?
When will the funds be available in our account? |
| |
Since the introduction of the Five-Day
Clearing Week, the clearing and settlement
of funds through
cheques, autopays
or interbank electronic
fund transfers will only be processed
during Mondays to Fridays (except public
holidays). For the timing of funds availability,
please refer to
the table below:
Cheque Deposited on
|
Funds Available from |
| Monday - Thursday |
Next day (after 3 pm) |
| Friday (before the cut-off time for cheques) |
Next Monday (after 3 pm) |
| Friday (after the cut-off time for cheques) |
Next Tuesday (after 3 pm) |
| Saturday |
Next Tuesday (after 3 pm) |
* Account transactions through cheques, autopays
or interbank electronic fund transfers during Saturday
will be processed on the next settlement day.
|
| 4. |
How can
our company suspend payment of an issued cheque?
Will Hang Seng charge any handling fee? |
| |
To suspend payment of an issued but unpresented
cheque, Phone Banking customers may raise a request
by contacting our Customer Service
Representative at the following hotlines:
| |
Service Hotline |
| IBS customers |
2998 8988 |
| Other
business customers |
2998 9222 |
Suspending payment of cheques is subject to a handling fee of HK$60 per cheque.
If a cheque has to be suspended due to insufficient funds, an
additional handling fee of HK$130, making a total of HK$190, will be
charged.
|
| 5. |
In case
there is insufficient balance in our company's current
account to honour an issued cheque, what should we
do? |
| |
If there is insufficient balance in the current
account, you should deposit the required funds as
soon as possible to avoid the bouncing
of your cheque. Otherwise, you may contact our Customer Service Representative
to suspend payment of the issued cheque. Besides, IBS customers are entitled
to our AutoSweeping Service for a maximum of HK$20,000. Hence, if your
Hong Kong dollar current account is overdrawn or line of credit is exceeded,
we will automatically transfer the required funds from your Hong Kong
dollar savings account under the same IBS on the following business day.
However, customers will be charged the relevant handling fee and overdraft
interest.
|
Commercial
Card
|
|
|
| 6. |
How can
our company check out the approval status of our
Commercial Card(s)? |
| |
In general, we will commence the approval
process upon receiving the application form from
your company and will notify you of the result within
four weeks after the required documents have been
collected. Also, we will mail the "Card Collection
Advice" to successful applicants for collecting
their cards at designated branch. Customers may also
contact our Card Centre Hotline at 2398 0000 for
enquiry.
|
| 7. |
How to request
a higher credit limit for our Commercial Card(s)? |
| |
To request for a higher credit limit, your company's
directors have to submit a written request together
with your Profits Tax Demand Note of the latest year
or your audited financial statements for the most
recent two years to our Card Centre via any Hang
Seng Bank branch or by mail. Customers may also contact
our Customer Service Representative at our Card Centre
Hotline at 2398 0000 to request a copy of the "Hang
Seng MasterCard Corporate Card / Hang Seng Visa Business
Card" Application Form for Amendment of Cash
Advance / Credit Limit Services".
|
Phone
Banking / Hang Seng Business e-Banking
|
|
|
| 8. |
After applying
for the relevant service, when will our company receive
the Phone Banking / Hang Seng Business e-Banking
PIN? |
| |
In general, Hang Seng will mail the "Phone
Banking PIN Collection Advice" to
customer's correspondence address within
two weeks after the
application form
has been submitted. Customer may collect
the "Phone
Banking PIN" at designated Hang
Seng Bank branch upon presentation of
the collection advice.
Hang Seng Business e-Banking PIN consists of two
parts, an "Alpha PIN" and a "Numeric
PIN ". The "Alpha
PIN" and the "Numeric PIN Collection Advice" will
be mailed to customer's correspondence address within
one week after successful account opening. Customer
may
collect the "Numeric PIN" and the "Security
Device" at designated Hang Seng Bank branch upon
presentation of collection advice.
|
| 9. |
If our Phone Banking /
Hang Seng Business e-Banking PIN is lost, how do we get a new PIN? |
| |
If your Phone Banking PIN is lost, you may contact
our Customer Service Representative at the following hotlines and
provide relevant account information to complete a verification
procedure. Hang Seng will then issue a notification for you to
collect the new PIN at designated branch.
|
Service
Hotline |
| IBS customers |
2998 8988 |
| Other business customers |
2998 9222 |
As for the Hang Seng Business e-Banking PIN, you can reset it online
at Hang Seng Business e-Banking after answering the Password Reset
Questions.
If you cannot provide necessary information for resetting
the PIN, you can firstly set up a new password via Hang Seng Business e-Banking
and then download "Hang Seng Business e-Banking Services - Password Reset
Request
Form" from Hang Seng Business e-Banking by following the instructions. You
can return the filled form to any Hang Seng Bank branch. Hang Seng will complete
the relevant procedures within five working days after receiving the application
form.
|
| 10. |
How can I obtain Hang
Seng Business e-Banking User Guide? |
| |
Hang Seng Business e-Banking User Guide can be obtained at any
Hang Seng Bank branch. Customers may also view the user guide at
our website
(www.hangseng.com/business/e-banking).
|
| 11. |
How to add authorised
channel user(s) to operate IBS via Phone Banking, Hang Seng Business
e-Banking or ATMs? |
| |
Customers can download the following forms from our website
(www.hangseng.com) or
obtain them from any Hang Seng Bank branch. You can fill in and
return the relevant form to any Hang Seng Bank branch for application.
| Access Channel |
Form Name |
Section to Be Completed |
| Phone Banking |
Integrated Business
Solutions Account
Amendment Form |
Part B: Add Authorised Channel User(s) to Phone Banking or ATM Services |
Hang Seng
Business e-Banking
(Primary Users) |
Hang Seng Business
e-Banking - Amendment / Termination Form |
Part C: Amend the PRIMARY USER(S) of Hang Seng Business e-Banking
Note: Customer may logon to Hang Seng Business e-Banking to add or amend
secondary users. |
|
Remittance
Services
|
|
|
| 12. |
An inward remittance will
be transferred to our company. What are the SWIFT Code and bank
address of Hang Seng in Hong Kong? |
| |
Bank
Name
|
Hang Seng Bank Limited |
| SWIFT Code |
"HASE HKHH" |
| Address |
83 Des Voeux Road Central, Hong Kong |
|
| 13. |
Apart from branches, what
other channels are available to handle outward remittances? |
| |
Apart from branches, customers may also submit their remittance
instructions via Hang Seng Business e-Banking, Hang Seng HSBCnet and
all Hang Seng MTR Offices.
Transaction Channel
|
Charge per transaction |
| Hang Seng Bank branches /
MTR offices |
HKD170 - HKD260 |
| Hang Seng Business e-Banking /
Hang Seng HSBCnet |
HKD80 - HKD100 |
(Customers may visit www.hangseng.com for
the latest information on remittance charges)
|
| 14. |
How
to check the processing status of remittances
or cheques issuance / deposit? |
| |
Customers may enquire the processing status of remittances
or cheques issuance / deposit through Automated Phone Banking Services,
Hang Seng Business e-Banking, Hang Seng HSBCnet and Remittance hotline.
Details as below:
| 1) |
Automated Phone Banking (only applicable to
Automated Phone Banking customers)
| Service
Hotline: |
|
| |
| Other business customers |
2998 9222 |
|
| Language selection: |
Press  for
Cantonese  for
Mandarin  for
English |
| Service selection: |
Press Inward
Remittance Transfer Transactions / Issued
or Deposited Cheque(s) > Enter user information > Press  > Press |
|
| 2) |
Hang Seng Business e-Banking (only applicable to Hang Seng
Business e-Banking customers)
Customers may logon to Hang Seng Business
e-Banking to check their
account
balances
or
set
up e-Alerts
to receive
notifications for inward payments or HKD cheque deposits / returns through email / sms / Business e-Banking inbox message.
i) Account / Loan Balance Enquiry :
|
Logon to Business e-Banking, select Cash Management
Services > Account
/ Loan Balance |
| ii) Set up e-Alerts: |
Logon to Business e-Banking, select e-Mail Services > e-Alert > Set
up e-Alert |
|
| 3) |
Customers may logon to Hang Seng HSBCnet (only applicable
to Hang Seng HSBCnet customers) and then select Balance and
Transaction Reporting to check the account balances.
|
| 4) |
Customers may also call our Remittance Hotline 2123 1088
for enquiries. |
|
Change
of Company Structure
|
|
|
| 15. |
When there is a change
in the list of directors of our company, how should we notify Hang
Seng? |
| |
If there is a change in the list of your company's directors,
your new directors have to visit any Hang Seng Bank branch to complete
the relevant procedures with their identification documents and
your company's latest D2A Form / Particulars of Directors filed
with the Companies Registry and Board Resolution / Minutes (which
shall be signed by a quorum of the board).
|
| 16. |
What do we need to do
if there is a change in authorised signatories? |
| |
If there is a change in your company's authorised signatories,
the newly authorised signatory(ies) and the principal(s) of the
account (please see the table below) are required to visit any
Hang Seng Bank branch in person to complete the relevant procedures.
If the principal(s) of the account are not available to visit branch,
the newly authorised signatory(ies) may present our bank staff
an authorization with duly signed by the account holder(s) in order
to complete the relevant procedures.
Type of Company
|
Signature Specimen from the principal(s) of the account |
| Sole Proprietorship |
Sole proprietor |
| Partnership |
Partners of such number identified in the account opening documents |
| Limited company |
Directors as stated in a quorum of the board |
|
| 17. |
When there is a change
in our contact information, how should we notify Hang Seng? |
| |
If there is any change in your company's contact information,
you should visit any Hang Seng Bank branch to complete the Change
of Contact Information Form and have it signed by the authorised
signatories.
|
Service
Enquiry
|
|
|
| 18. |
How to enquire about
Hang Seng SME Services? |
| |
Please call our 24-hour Business Partner Direct 2198
8000 for enquiries.
|
|
Reference Rates
|
 |
|
| |
Useful information
|
|
|
| |
Contact
Us
|
 |
|
| |
|
|