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| Wealth Management Services |
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| In addition to the wide array of wealth management tools listed below, as a Prestige Banking customer you can enjoy priority subscription for certain specially designed deposit products, investment funds and structured products to assist you in capturing market opportunities as soon as they arise. |
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Integrated Account Services |
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Integrated Account Services |
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With a single integrated account, you can enjoy a range of deposit services including HKD Savings, HKD Current, Foreign Currency Savings, Foreign Currency Time Deposits and Statement Gold Account. In addition, you can manage your finances － including investments, credit cards, mortgages, overdrafts, insurance and MPF － through the same account. A consolidated monthly statement gives you a summary of all your banking transactions and status updates, facilitating easy and convenient portfolio management.
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To capture the greatest return on your investments, you need to keep abreast of securities market trends and react quickly to opportunities. With Prestige Banking, you are able to enjoy:
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| Share Trading Limit Services |
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Our Share Trading Limit Services are exclusively offered to Prestige Banking customers. All amounts relating to your buy instructions will be first deducted from your "Share Trading Limit", meaning you do not need to reserve the relevant amount of cash in your account on the day of purchase(1). This investment flexibility increases your purchasing power and allows you to grasp every investment opportunity. |
| Value-added SMS services(2) |
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Our Instant Order Confirmation Service allows you to receive securities order execution result confirmations and IPO allotment results notifications via SMS to your mobile phone.
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| Extensive range of order types |
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Our extensive range of order types includes Limit Order, Market Order, Stop Loss Order, Auction Order, All-in-one Order and Win-Win Order for flexible management of all your investment needs.
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| An Easier Way to Subscribe to IPO Shares |
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Our convenient IPO shares subscription service eliminates the hassle of having to queue up or wait for mail delivery of your stocks and refunds. Securities can even be sold on the first day of listing.
 Trade Securities / Activate your Securities Account
Open a Prestige Banking account
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We distribute over 500 investment funds that are professionally managed by Hang Seng Investment Management Limited and other reputable fund houses to suit your investment needs. Selections include:
| Equity Funds |
| Sector Funds |
| Index Funds |
| Bond Funds |
| Money Market Funds |
| Capital Guaranteed Funds |
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| Monthly Investment Plan for Funds |
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| Monthly Investment Plan for Funds - with a monthly investment amount of as low as HK$1,000, you can choose from a wide range of funds (subscription fee class (class A units)). Better yet, you can use designated Hang Seng Credit Cards to pay the monthly investment amount and earn Hang Seng Credit Card Cash Dollars (3). You can also use Hang Seng Bank or HSBC HKD accounts for payment.
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Advanced Switching Service(4) － enables you to apply for redemption and subscription of funds from different fund houses and funds in different series at the same time, thus shortening the time required for fund switching to T+0.
Extended trading hours － cutoff times for individual funds in a dealing day extended to 5:30pm (5).
Different trading channels － you can subscribe for, switch or redeem investment funds through Hang Seng Personal e-Banking, our Phone Banking Hotline or any of our branches.
Perform Investment Funds trading / Activate your Investment Funds Account
Open a Prestige Banking account
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We offer you structured products (e.g. Capital Protected Investment Deposits (CPI) and Equity-Linked Investments (ELI)) which enhance potential returns by linking with various investment options such as equities, interest rates or currencies. Better still, to lower your investment cost no handling charge or management fee will be charged.
Put CPI to work for you today!
There's no time like the present to subscribe to ELI!
Open a Prestige Banking account
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Forex and Gold Margin Services |
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To help you fully leverage currency fluctuations, Prestige Banking offers you professional Forex and Gold Margin Services with preferential trading spread:
Gold and various currency pairs － You can buy long and sell short on gold and nine major currencies, including AUD, CAD, CHF, EUR, GBP, JPY, NZD, USD and HKD, offering various cross-currency combinations.
Varieties of order types － apart from normal orders, conditional orders include Either-Or Order and If-Then Order for more flexibility.
Extended trading hours － Monday to Friday 6:00am to 3:30am the following day
Perform Forex Margin trading / Open a Forex Margin Trading Account
Open a Prestige Banking account
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When it comes to safeguarding you and your loved ones against the unexpected, Prestige Banking has a wealth of experience in tailoring life and general insurance protection.
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Prestige Life Insurance Service |
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Prestige life insurance services provide you with comprehensive coverage and priority services, including:
| Priority underwriting |
| Selected Preferred Clinics with body-check services (6) |
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Prestige life insurance hotline for after-sales enquiry |
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General Insurance Services |
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General insurance services offer you the most complete range of protection plans. You can enjoy preferential rates (7) and flexible coverage options catering for the needs of you and your family.
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Hang Seng Mortgage Services |
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A variety of mortgage services for you to choose from, including "Mortgage-Link" Account, 95% Mortgage Plan and Customised Repayment Plans. You will enjoy special rates as a Prestige Banking customer.
Apply Now!
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Hang Seng Overdraft |
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Enjoy the added convenience of being able to access a secured overdraft amount of up to 100% of the market value of your assets held with the Bank.
Apply Now!
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| (1) |
The total amount of stocks purchased should not exceed your total "Purchasing Power", which includes (i) Approved "Share Trading Limit" , (ii) Sales proceeds arising from stocks sold through our bank pending settlement, and (iii) Total available balance of the customer's account. Otherwise Hang Seng Bank Limited (the "Bank") would not accept buy instructions. The relevant "Share Trading Limit" amount used should be deposited into the settlement account before the settlement date, i.e. T+2 days of the purchased stocks. If customers fail to deposit the required amount of cash into the settlement account on time, customers are required to pay the interest incurred, accrued from the settlement date till full repayment (excluding the date of full repayment) of the outstanding "Share Trading Limit" amount. |
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Available to mobile phone numbers starting with "6" or "9". Customers are required to register first to enjoy these services and are responsible for any fees and charges which may be levied by the relevant telecommunication provider from time to time. |
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Except Private Label Card, Hang Seng Renminbi Credit Card, USD Visa Gold Card, JAL Hang Seng Card, alpha card, Spending Card and Hang Seng Corporate Card/Commercial Card, all Hang Seng Credit Cards are eligible for payment of the monthly investment amount. This payment method is only available to customers who invest in subscription fee class (class A units) under the monthly investment plan. For details of Hang Seng Credit Card Cash Dollars and the applicable terms and conditions, customers can call 2398 0000 (Select Language then Press "8", "4" and "8" during office hours. |
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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. Prestige Banking Customer can simply visit any Hang Seng Bank's branch or call your respective Prestige Banking Customer Relationship Manager for application. |
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This service is applicable to selected funds only. For details, please visit any of our branches or call 2998 9898 during office hours. |
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Such body-check services are provided for insurance application only and are subject to the relevant underwriting requirements of individual life insurance plans. |
| (7) |
The offers are subject to the relevant terms and conditions. Please refer to promotional leaflets for details. |
Remarks:
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Investors should note that all investment involves risks. Prices of Securities/Funds/Structured Products may go up as well as down and may even become valueless. Investors should refer to the offering documents and Risk Disclosure Statement of the relevant investment products before making any investment decision. |
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Investors should note that all investment involves risks. Past performance of the relevant fund may not be indicative of its future performance. Investors should read the relevant fund's offering documents (including the risk factors stated therein) in detail before making any investment decision. |
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Investment involves risks. Prices of securities may go up or down. Investors should read the relevant prospectus for detailed information about the proposed offer and seriously consider if investment in the relevant shares is suitable for his/her investment needs by reference to his/her financial position and other conditions and needs before deciding whether to invest in the relevant shares. If required, investors should obtain independent legal, financial and other professional advice before making any investment decision. The Bank may or may not participate in the IPO of the relevant shares, therefore, this advertisement does not constitute an offer or an invitation or an inducement by the Bank to any person to acquire, purchase or subscribe for the shares proposed to be offered. |
| The value of structured products fluctuates, sometimes dramatically. The price of a structured product may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling structured products. Investors should study and understand structured products and their individual structure before they trade and carefully consider whether investment in the relevant structured products is suitable in the light of their financial position and investment objective. Independent financial and legal advice should be sought if necessary. In the case of structured products which are equity-linked instruments, upon their maturity, investors may receive, in place of any redemption proceeds, underlying shares the market value of which may be significantly lower than the investor's original investment amount. Selling back structured products may not necessarily avoid losses and the liquidity of structured products is not guaranteed. |
| The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as stop-loss or stop-limit orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable for you in light of your own financial position and investment objectives. Investment involves risks. Investors should refer to the relevant Risk Disclosure Statement before making any investment decision.
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| Please refer to the terms and conditions of respective products and services for details.
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| Hang Seng Bank Limited (the "Bank") and Hang Seng General Insurance (Hong Kong) Company Limited (for premium discount offers) reserve the right to suspend, vary or discontinue any offers and services at any time 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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