 Integrated
Financial Services
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Integrated Account
offers you Hong Kong Dollar, multiple
Foreign Currency Savings, Time Deposits,
Hong Kong Dollar Current, Statement
Gold Accounts as well as all other
types of deposits in one integrated
account. |
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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. |
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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. |
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24-hour Automatic Phone
Banking Services and Free Integrated
Account Card. |
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No-Bounce Cheque/Autopay Protection(1)
– a maximum of HKD3,500 No-Bounce
Cheque/Autopay Protection for your
peace of mind. |
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AutoSweeping Service(2)–
If your HKD Current Account is overdrawn
or the line of credit is exceeded(3),
the required funds will be transferred
automatically from your HKD Savings
Account to avoid unnecessary interest
charges and bounced cheques(4). |
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Currency Switching Service
– helps you to manage foreign
currency savings and investment with
ease. |
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Hang Seng Personal Loan(5), 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.
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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) |
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. |
| (2) |
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. |
| (3) |
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. |
| (4) |
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. |
| (5) |
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: |
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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. |
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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. |
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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)
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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.
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Special
Offers for Customers Aged Under
18
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The opening balance
is HKD500 with No Minimum Balance
Service Fee. |
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Integrated Account for customers
aged under 18 includes the following
services:
| 1. |
Hong Kong Dollar
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 |
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When you reach the age of 18,
the above banking services and an
extra
three-year Monthly Fee Waiver
will be given to you automatically
until the age of 21. |
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Besides, monthly fee will also be
waived until the completion of matriculation
or three years after graduation if
you enroll at a local University or
Institution of Tertiary Education(1). |
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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. |
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