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Total Business Solutions


One-stop Financial Management

Investment & Treasury Services
Multi-Channel Access
Priority Approval Of Commercial Card
Free Payroll Services

One-stop Financial Management

All-in-one Account -   A single account includes Hong Kong Dollar and multiple Foreign-Currency Savings, Time Deposits, Hong Kong Dollar Current, Statement Gold, Investment Funds, Securities and Certificates of Deposit Accounts.      
Consolidated Statement - List all your account balances, transaction details, overdraft facilities and total investment amount in a consolidated statement.      
Currency Switching Service 1- Simply define your target exchange rate, amount or frequency via our branches or Business e-Banking and we will perform the currency exchange deals once your pre-set criteria are met.      
No-Bounce Cheque/Autopay Protection1 - Enjoy a temporary overdraft of up to HKD10,000 to cover unauthorised overdrafts. 
AutoSweeping Service - If your current account is overdrawn or your credit limit exceeded, we will automatically transfer sufficient funds from your savings account on the following business day to cover the payment 2.      
Standby Overdraft Facility - Supplement your cashflow against unexpected events with our overdraft facilities.  Wide range of assets maintained with the Bank can be pledged with loan ratio as high as 95%3 
 
Notes:
1. Please refer to related terms and conditions.  
2. AutoSweeping Service is only applicable to a daily total overdraft / excess amount of HKD20,000 or below. If the total overdraft / excess amount on the same day exceeds HKD20,000, even if any one of the cheque / autopay transactions is equal to or below HKD20,000, AutoSweeping Service will not be activated.  
3. Hang Seng Bank Limited shall have absolute discretion to prescribe and change the asset type, loan ratio, overdraft interest rates and fees for the Secured Overdraft Facility.
   
 

Investment & Treasury Services

You can enjoy our wide array of investment services by simply activating the investment sub-account under the IBS Account. This helps your company grasp every investment opportunity in different market conditions to enhance the potential returns of your company’s funds.

In addition, we offer an extensive range of treasury services to limit your exposure to exchange rate and interest rate fluctuations.
Investment Services
Securities Services
Investment Funds Services
Structured Products
Capital Protected Investment Deposit
Maxilnterest Investment Deposit
Bond Investment Services
Certificates of Deposit Services
   
Treasury Services
Hedging Products on Foreign Exchange and Interest Rate
   
   
Risk Disclosure
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 read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products before making any investment decision. Capital Protected Investment Deposit and MaxiInterest Investment Deposit are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong and the repayment of Capital Protected Investment Deposit and MaxiInterest Investment Deposit are not guaranteed by the Hong Kong SAR Government's Exchange Fund.
 

Multi-Channel Access

You can manage your IBS Account via our convenient banking channels, saving you and your staff much administrative time and costs:

Business e-Banking 
24 hours access to account details
Make payments or account transfers online
Preferential online pricing and save about 80% on bank charges
Free SMS / e-mail Alert Services remind you of latest status of your accounts and transactions
You can trade securities and subscribe to investment deposits linked to different underlying assets. View investment accounts summary and transaction records
Express China Remittance to provide same day credit of remittance1 to 97 Mainland Cities.
One-stop Payroll and MPF service to save your time and manpower
Support download of account statement in various formats for bank reconciliation
 
Notes:
1. Only applicable for corporate customers successfully making outward remittances from Hong Kong to Hang Seng Bank (China) Limited via Hang Seng internet banking before 4:30pm(Hong Kong time)
   
ATM Services
With Hang Seng Card, you can conduct transactions for your business (including cash withdrawal, account transfers, account balance enquiries, local cash deposits, statement or cheque book requests, utility bill payments)1 through more than 900,000 ATMs locally and worldwide.
   
Deposit Card
Every IBS customer will get a Deposit Card which enables you or your staff to make cash or cheque deposits at ATMs, “Quick Cheque Deposit” and “Quick Cash Deposit” machines with ease.

No manual input of account number or PIN is required, thus eliminating key-in errors.

Minimal risk of monetary loss due to card loss or leakage of sensitive information as Deposit Card does not support cash withdrawal or balance enquiry functions.
   
Quick Cheque Deposit Service
Deposit up to 30 cheques at one time at any of our Cheque Deposit Machines and obtain a comprehensive advice with cheque images and deposit account’s name. No more queuing at branch counters.

Your account will be credited instantly2 and the funds will be available after clearing, the same as cheques deposited over branch counter.
   
Quick Deposit Service
Deposit cash via any of our Cash Deposit Machines and your account will be credited instantly 3
   
Phone Banking
With your Phone Banking Personal Identification Number (Phone PIN), you can access your IBS Account by using a tone-dial phone 24 hours a day. For added flexibility, you can assign different staff as authorised users with independent access to as many as 21 accounts (including IBS Account).
 
Notes:
1. Deposit and Bill Payment Service may not be available at some standard ATMs.
2. Only cheques deposited before cut-off time on business days are shown in the account instantly.
3. Cash deposited to credit card account will be credited on the next working day
   

Priority Approval of Commercial Card1

Hang Seng Commercial Card enables you to consolidate your company expenses under one card and streamline your payment process.   

Individual and consolidated statements showing all expense items plus 24-hour Online Financial Management Services2 for easy business expenses management
Up to 56 days interest-free repayment period with minimum repayment of only 3% for greater financial flexibility
24-hour Personal Assistant Service3 taking care of your company's needs like a personal secretary
Company logo printed on the card face4 to reflect your company's distinct identity
Earn Hang Seng Credit Card Cash Dollars while spending
Exclusive first three-year annual fee waiver
 
Notes:
1. Hang Seng Bank Ltd reserves the final right to revise or cancel this offer.
2. Only applicable to Hang Seng Commercial MasterCard.
3. For details and the terms and conditions, please visit Hang Seng Commercial Card webpage.
4. HK$100 annual administration fee will be charged for printing the company logo for each Hang Seng Commercial Card.
 

Free Payroll Services

Your IBS comes with free payroll services1. In addition to automating staff salary payments, our integrated autopay solution will help you to generate tax returns for your staff.
 
Note:
1. Free payroll services offer includes waivers on registration fee, annual fee and transaction fee of "Hang Seng autoPay Service" and charges on first set-up with fewer than ten second parties.
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Reference Rates

Interest Rates

Foreign Currency T/T Exchange Rates


Useful information

Starting a Business
Download IBS Account Application Forms
Make an appointment for account opening


Contact Us

Call Business Partner Direct 2198 8000
Visit our Business Banking Centres
Visit our branches
Email Us



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