 Integrated Financial
Services
|
 |
Integrated Account offers you Hong Kong
Dollar(1), multiple Foreign Currency Savings,
Time Deposits, Hong Kong Dollar Current(1),
Statement Gold Accounts as well as all other types of
deposits in one integrated account. |
|
Consolidated monthly statement provides you an
at-a-glance summary of all transactions records, total
investment portfolio, overdraft facilities, credit card
balances, mortgage loan, insurance plan and MPF. |
|
Comprehensive Investment services including Securities Trading Services, Investment
Fund Services, Foreign Exchange Services, Structured Products, Bonds Investment Service and receive
updates on the latest market news and trends, investment
intelligence and strategies via e-Market News. To
subscribe, please click here. |
|
24-hour
Automatic Phone Banking Services and Free Integrated
Account Card. |
|
No-Bounce Cheque/Autopay Protection(2)
– a maximum of HKD3,500 No-Bounce Cheque/Autopay
Protection for your peace of mind. |
|
AutoSweeping Service(3)– If your HKD
Current Account is overdrawn or the line of credit is
exceeded(4), the required funds will be
transferred automatically from your HKD Savings Account to
avoid unnecessary interest charges and bounced cheques(5). |
|
Currency Switching Service –
helps you to manage foreign currency savings and
investment with ease. |
|
Hang Seng Personal Loan(6),
and Hang Seng Overdraft Facility – Secured
Overdraft Facilities and Unsecured
Overdraft Facilities provide extra standby cash to
satisfy your contingency financial needs. A wide range of
insurance
plans for your selection. |
|
A comprehensive range of mortgage plans .Call Hang
Seng Mortgage Hotline at 2710-2288 or use the Mortgage
Online Application Service to apply for a mortgage
loan. |
| (1) |
Hong Kong Dollar Savings Account and Hong
Kong Dollar Current Account are designated basic accounts
for the integrated account services. |
| (2) |
Customer has to maintain an average daily
Total Relationship balance of HK$10,000 or above over the
previous month and subject to other terms and conditions
set by the Bank. Unauthorised overdraft handling fee of
HK$100 will be charge and interest is calculated using
prevailing unauthorized overdraft interest rate. For
details, please refer to the relevant Service Directory. |
| (3) |
This service is free of charge. If you do
not wish to enjoy this service, please call our hotline
2822-8228 or visit any of our branches to request
cancellation of the service. |
| (4) |
AutoSweeping Service is applicable to a
daily total overdraft/excess amount of HKD20,000 or below,
including overdraft/excess falling within No-Bounce
Cheque/Autopay Protection (not including overdraft within
the OD limit). If the total overdraft/excess amount of the
same day exceeds HKD20,000, even if any one of the
following cheque/autopay transactions is equal to or below
HKD20,000, AutoSweeping Service will not be activated. |
| (5) |
Only applicable to fund transfers from
Hong Kong Dollar Savings Account to Hong Kong Dollar
Current Account and subject to the available balance of
that savings account. |
| (6) |
Hang Seng Personal Loan Service requires
seperate enrolment. Please refer to the product leaflet
for application and service details. First year annual fee
waiver is applicable to customers who have newly obtained
a Secured or Unsecured Overdraft Facility. For customers
who have newly obtained a Personal Revolving Loan, they
can enjoy a first two-year annual fee waiver. |
| Note: |
| • |
Investors should note that
investment involves risks, and that the offering document
of the relevant Risk Disclosure Statement should be read
in detail before making any investment decision. |
| • |
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. |
Special Offers for Students
of Universities / Institutions of Tertiary Education(1)
|
|
To initiate a greener money management
among students of Universities/Institutions of Tertiary
Education, each Integrated
Account of Green banking customer who is a full-time
student at a local University/Intuition of Tertiary
Education(1) is entitled to a Monthly Fee
Waiver during his/her period of studies. An additional
waiver of Monthly Fee for the first three years
immediately after graduation will be given to those
graduates who continue to hold their Integrated Accounts.
For more details, please refer to the Green Banking
leaflet or click
here. |
Special Offers for
Customers Aged Under 18
|
|
The opening balance is HKD500 with No
Minimum Balance Service Fee. |
|
Integrated Account for customers aged under 18
includes the following services:
| 1. |
Hong Kong Dollar and Foreign Currency
Statement Savings service |
| 2. |
Hang Seng alpha card Spending Card(2)
-enjoy Hang Seng Cash Dollars Rewards and fabulous
merchant offers, as well as ATM services |
| 3. |
ATM Card and EPS service, e-Banking Service, e-Statement
Service and 24-Hour Automated Phone Banking service |
|
| When you reach the age of 18,
an extra three-year Monthly Fee Waiver will be given to
you continuously and automatically until the age of 21.
Simply present your adult Identity Card at any Hang Seng
Bank branches to register for upgrading to adult
Integrated Account and renewing your monthly fee plan, you
will enjoy a wide range of services. |
| Simply present
your adult Identity Card at any of our branches to
register for upgrading to adult Integrated Account or
renewing your monthly fee plan, and you will enjoy a wide
range of services. |
| (1) |
Only applicable to local full-time
Tertiary students who are aged 18 or above attending the
following accredited education institutions and their
subsidiaries, including accredited universities in Hong
Kong, The Hong Kong Institute of Education, Chu Hai
College of Higher Education, Vocational Training Council,
The Hong Kong Institute of Vocational Education, Hang Seng
School of Commerce, The Hong Kong Academy for Performing
Arts, Caritas Francis Hsu College, Caritas Bianchi College
of Careers, Hong Kong Institute of Technology, Po Leung
Kuk Community College or Hong Kong College of Technology.
To enjoy the offer, students shall present their valid
student identity cards. |
| (2) |
This service is only applicable for customers at age 15
to age below 18. Customers who select the e-statement
service will enjoy a first 3-year annual fee waiver. Annual fee (HKD50 per year) will
be charged starting from the fourth year. For details,
please refer to the relevant product leaflet. The alpha card account is a non-interest
bearing account. Funds maintained in the alpha card
account are not regarded by Hang Seng as deposit and would
not be protected by any deposit protection scheme or
similar scheme made or to be made under the Deposit
Protection Scheme Ordinance (Cap. 581, the Laws of Hong
Kong).
|
| Note: |
| • |
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. |
|
|
|
Online
Tools
|
 |
|
| |
Reference Rates
|
|
|
| |
Useful
Information
|
|
|
| |
Contact
Us
|
|
|
| |
|
|