 Integrated Financial
Services
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Preferred Banking offers you Hong Kong
Dollar Savings(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. |
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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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Convenient Channels- Dedicated
Preferred Banking Counters at all branches, 24-hour
Manned / Automatic Phone Banking Services and free
Integrated Account card of Preferred Banking. |
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Comprehensive Investment services -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 and
quarterly newsletter. To subscribe, please click here. |
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No-Bounce Cheque / Autopay Protection(2)
– a maximum of HKD10,000 No-Bounce Cheque / Autopay
Protection for your peace of mind. |
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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). |
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Currency Switching Service helps you
to manage your Foreign Currency Savings and Investment
with ease. |
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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. |
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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. |
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Safe Deposit Box Services is available for your use at
most of our branches, it is the ideal way to safeguard
your valuables. |
| (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 HKD200,000 or
above over the previous month and subject to the other
terms and conditions set by the Bank. Handling fee plus
interest calculated on the prevailing unauthorised
overdraft interest rate will be charged for unauthorised
overdraft. 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 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. 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 under the same integrated account and
subject to the available balance of that savings account. |
| (6) |
Hang Seng Personal Loan Service requires
separate 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. Investors should refer to the relevant
fund's offering document before making any investment
decision. |
| • |
Hang Seng Bank Limited (the
"Bank") reserves the right to suspend, vary or
discontinue any 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. |
Year-round Banking
Privileges
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Products /
Services
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Privileges
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| Foreign Currency
Notes Purchase / Sale |
Handling fee waiver |
| Purchase of Gift
Cheque |
50% discount on Handling Fee |
| Set-up of
Standing Instruction |
Handling fee waiver |
| Rental of Type
“A” Safe Deposit Box |
First-year waiver of annual rental
fees(1) |
| Investment Funds |
| • |
1% discount on subscription fee for all
funds in the Hang Seng Investment Series |
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1% discount for fund with subscription
5% or above for other third-party funds(2) |
| • |
Advanced Switching Services(3)
(with Preferential Subscription Fee of 2% for New Funds(4) |
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| Securities
Services |
| • |
500 free-real-time quotes |
| • |
An additional 250 if there are holdings
in the securities account and an additional 200 for
every successful buy/sell transaction for every turnover
of HKD50,000 |
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| Asset Link
Secured Overdraft Facility |
| • |
First year annual fee waiver(5) on
overdraft facility |
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Privileged overdraft interest rate as
low as Prime Rate +1% p.a. |
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| Unsecured
Overdraft Facility |
| • |
First year annual fee waiver(5) on
overdraft facility |
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Preferential interest rate as low as
Prime Rate + 3% p.a. |
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| Premium discount offers(6) |
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| Credit Card |
Priority approved Hang Seng Credit
Card with perpetual annual fee waiver(7) |
| (1) |
The offer is applicable to
the annual rental fee for the first year. Customers are
required to pay the key deposit amount in full. Full
annual rental fee payment will be required after the
rental fee waiver period. Customers who cancel any safe
deposit box within the rental fee waiver period will be
required to pay a handling fee of HK$100 per cancellation. |
| (2) |
Investment fund subscription fee discount
offer does not apply to funds without subscription fee,
including Class B Units, capital guaranteed funds, Hang
Seng Monthly Investment Plan and funds specified by the
Bank from time to time. This offer cannot be used in
conjunction with other investment fund subscription fee
discount offers. |
| (3) |
The Advanced Switching Service is
provided by the Bank to enable customers using the advance
made by the Bank to the customers to apply for
subscription of units in another new fund(s) (the
"New Fund(s)") before redemption proceeds from
the Original Fund(s) are deposited into their accounts,
whether or not the New Fund(s) to be subscribed and the
Original Fund(s) to be redeemed are managed by the same
fund management company and to allow customers to repay
the advance amount with the redemption proceeds
thereafter. The Advanced Switching Service is available to
Prestige Banking, Preferred Banking and Integrated Account
(Personal) customers who make subscription for a New Fund
with subscription amount of HK$100,000 or above in one go.
The Service does not apply to: funds which dealing
frequency is not daily, hedge funds, capital guaranteed
funds, Class B Units or other funds as specified by the
Bank from time to time. Funds in respect of which the
Service is available will be changed from time to time
without prior notice. Customers should be aware that they
may have to provide separate moneys to repay all/part of
the advanced amount made by the Bank to the customers for
subscription of the New Fund, to bear the redemption fee
(if applicable) for redemption of the Original Fund(s),
and to pay interest and other charge(s) charged by the
Bank in certain circumstances. Customers must have read
the full version of the Terms and Conditions for Advanced
Switching Service contained in the Application Form for
the Service before applying for the Service. Upon use of
the Service, Customer is deemed to have accepted the Terms
and Conditions for Advanced Switching Service and agreed
to be bound by them. Copies of the Terms and Conditions
for the Advanced Switching Service are available at
branches of the Bank and can be downloaded from the
website of the Bank. |
| (4) |
The Bank will charge 2% New Fund
subscription fee. The fee is inclusive in the Subscribed
Amount. |
| (5) |
The offer is only applicable to new
customers. |
| (6) |
The above premium discount offers cannot
be used in conjunction with other offers |
| (7) |
Pre-approval is only applicable to
customers who are under employment or have maintained the
designated amount of net worth with the Bank and is
subject to final approval by the Bank. The Bank reserves
the right to request further documentation for the
application or to revoke the priority approval offer at
its discretion. If customer holds more than one Hang Seng
Credit Card, the perpetual annual fee waiver will be
applicable to the credit card with the highest annual fee
only (including Hang Seng Platinum Card, if applicable)
but is not applicable to VISA Infinite, World MasterCard,
Corporate Card, Commercial Card, Private Label Card and
USD VISA GOLD Card. All paid annual fee will not be
reimbursed. |
| Note: |
| • |
Investors should note that
investment involves risks. Investors should refer to the
relevant fund's offering document before making any
investment decision. |
| • |
Hang Seng Bank Limited (the
"Bank") reserves the right to suspend, vary or
discontinue any 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. |
Newsletter
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| A quarterly newsletter to
keep you abreast on market trends, investment intelligence
and strategies as well as the latest investment offers. |
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