Total Business Solutions - One-stop Financial Management

All-in-one Account

A single account includes Hong Kong Dollar and multiple Foreign-Currency Savings, Time Deposits, Hong Kong Dollar Current, Statement Gold, Investment Funds, Securities and Certificates of Deposit Accounts.

Consolidated Statement

List all your account balances, transaction details, overdraft facilities and total investment amount in a consolidated statement.

Currency Switching Service¹

Simply define your target exchange rate, amount or frequency via our branches or Business
e-Banking and we will perform the currency exchange deals once your pre-set criteria are met.

No-Bounce Cheque/Autopay Protection¹

Enjoy a temporary overdraft of up to HKD10,000 to cover unauthorised overdrafts.

AutoSweeping Service

If your current account is overdrawn or your credit limit exceeded, we will automatically transfer sufficient funds from your savings account on the following business day to cover the
payment².

Standby Overdraft Facility

Supplement your cashflow against unexpected events with our overdraft facilities. Wide range of assets maintained with the Bank can be pledged with loan ratio as high as 95%⁴.

24-Hour Automated Banking

Operate your account anytime via phone banking and more than 500,000 ATMs locally and worldwide. For added convenience, you can withdraw renminbi from our ATM network in mainland China³.

Notes:

Please refer to related terms and conditions.

AutoSweeping Service is only applicable to a daily total overdraft/excess amount of not more than HKD20,000. If the total overdraft/excess amount on the same day exceeds HKD20,000, even if any one of the cheque/autopay transactions is equal to or below HKD20,000, AutoSweeping Service will not be activated.

Please ask our branch staff for details on services and handling fee.

Hang Seng Bank Limited shall have absolute discretion to prescribe and change the asset type, loan ratio, overdraft interest rates and fees for the Secured Overdraft Facility.