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Preferred Banking



Integrated Financial Services
Year-round Banking Privileges
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Integrated Financial Services


Preferred Banking 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.
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.
Convenient Channels- Dedicated Preferred Banking Counters at all branches, 24-hour Manned / Automatic Phone Banking Services and free Integrated Account card of Preferred Banking.
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.
No-Bounce Cheque / Autopay Protection(1) – a maximum of HKD10,000 No-Bounce Cheque / Autopay Protection for your peace of mind.
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).
Currency Switching Service helps you to manage your Foreign Currency Savings and Investment with ease.
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.
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.
Safe Deposit Box Services is available for your use at most of our branches, it is the ideal way to safeguard your valuables.

(1) 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. Unauthorised overdraft handling fee of HKD100 will be charged and interest is calculated using prevailing unauthorised 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 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. 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 under the same integrated account and subject to the available balance of that savings account.
(5) 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


Products / Services
Privileges
Foreign Currency Notes Purchase / Sale Handling fee waiver
Issuance of Cashier’s Order
Handling fee waiver
Purchase of Gift Cheque Handling fee waiver
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
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)
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
Non-property Secured Overdraft Facility
First year annual fee waiver(5) on overdraft facility
Privileged overdraft interest rate as low as Prime Rate +1% p.a.
Unsecured Overdraft Facility
First year annual fee waiver(5) on overdraft facility
Preferential interest rate as low as Prime Rate + 2% p.a.
General Insurance
-
Fire Protection Plan
-
Private Car Insurance Plan
-
Golfer Insurance Plan
-
Home Care Plan
-
Home Ownership Scheme HomeCare Plan
-
Domestic Helper Insurance Plan
-
Part-time Domestic Helper Insurance Plan
-
Travelsure Protection Plan
-
Personal Accident Insurance Plan
Premium discount offers(6)
40% off
Up to 25% off (Third Party Risks Insurance)
Up to 35% off (Comprehensive Insurance)
15% off
10% off
10% off
10% off
10% off
10% off
10% off
Credit Card Pre-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 Banking 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 pre-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, all Company Credit Cards, Private Label Cards and USD VISA GOLD Card. All paid annual fees 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


A quarterly newsletter to keep you abreast on market trends, investment intelligence and strategies as well as the latest investment offers.

Current Issue
Aug 2008
Previous Issue May 2008


 
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