 Hong
Kong Dollar Time Deposit
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Place time deposits online to enjoy a BONUS interest rate! |
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Enjoy a higher interest
rate by placing HKD time deposits |
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Minimum time deposit amount as low as HKD10,000 |
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Time Deposit tenors from one day to five years |
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Overdraft facility of up to 100% of time deposit amount |
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Interest payable every month(1) for tenor of 18 months to five years (minimum HKD50,000) |
| (1) |
Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day. |
Foreign
Currency Time Deposit
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A choice of 11 foreign
currencies: Australian Dollar,
Canadiun Dollar, Euro, Japanese Yen,
New Zealand Dollar, Pound Sterling,
Renminbi, Swiss Franc, South African
Rand, Thai Baht and US Dollar |
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Minimum deposit amount as low as 1,000 units in foreign currency (except Japanese Yen and Thai Baht (100,000 units each), Renminbi and South African Rand (10,000 units each) |
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Deposit tenors from one week to five years(1) |
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Interest payable every month(2) for tenor of 18 months to 36 months (minimum 10,000 units in Australian Dollar, Canadian Dollar, Euro, New Zealand Dollar and Pound Sterling) or tenor of 18 months to five years for US Dollar (minimum USD10,000) |
| (1) |
Four and five-year tenor is applicable to US Dollar time deposit only.
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| (2) |
Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day. |
Hong
Kong Dollar Savings / Current Account
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A choice of HKD Statement, Passbook and ATM Savings Account |
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No minimum balance requirement and no monthly fee(1) for ATM Savings Account |
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Monthly interest applied for ATM Statement Savings Account |
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One free Hang Seng Card to access your account 24 hours a day at over 1,000 ATMs in Hong Kong |
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You can convert existing Statement Savings Account into ATM Savings Account without changing account number |
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Renminbi and US Dollar Current Accounts are also available |
| (1) |
A service fee of HKD20 will be charged for each transfer/cash withdrawal transaction made at a branch counter. |
Foreign
Currency Deposit
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Enjoy a higher interest rate and potential gain from exchange rate movements |
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Access with Integrated Account or Multi-Currency Savings Account |
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A choice of 11 foreign currencies: Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Renminbi, Swiss Franc, South African Rand, Thai Baht and US Dollar |
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Access via e-Banking or Phone Banking as well as branch counters |
Remarks:
Fluctuations in the exchange rates
of foreign currencies may result
in gains or losses in the case where
the customer converts foreign currency
to HK Dollars. |
Renminbi
Deposit
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| Renminbi Savings Account |
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Offers a complete Renminbi service, including withdrawals and deposits, transfers, remittances(2) and exchange(3) |
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Remit funds from your Hang Seng Bank Renminbi Account in Hong Kong to your personal account held under the same name at any mainland China bank |
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Pre-set instructions for fund transfer between Renminbi and Hong Kong Dollar via Currency Switching Service. Simply set the criteria according to your personal requirements. The instruction will be executed automatically once the pre-set criteria are met |
| Renminbi Current Account |
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Issue cheques(4) to pay for the acquisition of consumer goods and/or services within Guangdong Province (including Shenzhen) in mainland |
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Subject to a daily accumulative payment limit of RMB80,000. The credit balance in the Current Account should not exceed the daily cap of RMB80,000 |
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“Renminbi Autosweeping Service" with a daily transfer ceiling limit of RMB20,000(7) |
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Each fund transfer by using "Renminbi
Autosweeping Service" (including
manual transfer(8)) will
be subject to a cheque handling charge
of 1% of the transferred amount or
a minimum of RMB200 for each transaction(9)
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| Renminbi Time Deposit |
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Minimum deposit amount of RMB10,000 |
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Deposit tenors from one month to six months provided |
| Renminbi Bonds Service |
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A long-term investment offering stable returns. |
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Subscribe, acquire and dispose through Hang Seng Bank renminbi-denominated marketable bonds issued in Hong Kong by mainland China financial institutions in accordance with the applicable laws (10). |
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Personal Customers can make interbank fund transfers via a Real Time Gross Settlement system to or from your same-name account at different banks in Hong Kong for subscription and purchase of RMB bonds. |
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Personal Customers can issue RMB cheques for the sole purpose of subscription, acquisition and disposal of RMB bonds in Hong Kong. |
Remarks: Investors should note that investment involves risks. Investors should refer to the Offering Documents and the relevant Risk Disclosure Statement before making any investment decision. |
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| (1) |
Renminbi deposit service is only applicable to HKID cardholders. Only Hang Seng Integrated Account holders are eligible to open Renminbi Savings Account as sub-accounts to their designated Integrated Accounts to their accounts. Account opening service for Integrated Account is unavailable at certain MTR station offices or via Manned Phone Banking. |
| (2) |
Remittance service is not applicable to MTR station offices and not applicable to a joint-name account. Exchange service is only available at designated branches and MTR station offices. |
| (3) |
Notes exchange and deposit/withdrawal services are not available via Hang Seng Personal e-Banking and Manned Phone Banking. |
| (4) |
Renminbi cheques are not transferable. |
| (5) |
The provision of Renminbi Cheque Service is at all times subject to the "Account Rules - General", "Information relating to Renminbi Services of Hang Seng Bank - Personal Customer", the Bank's agreement with the clearing bank, all law, rules, regulations, directions and guidelines governing or otherwise applicable to the Renminbi account and/or Renminbi cheques and any other terms and conditions prescribed by the Bank and the related regulatory bodies from time to time. Please refer to any updates that shall be published or issued by the Bank from time to time including notices that are placed at the Bank's branches. |
| (6) |
Only Renminbi Savings Account holders aged 18 or above are eligible to open Renminbi Current Accounts. |
| (7) |
Including Cheque Handling Fee. Such charge can be transferred from the Renminbi Savings Account to the Renminbi Current Account through "Renminbi Autosweeping Service". |
| (8) |
This will be subject to the maximum transfer amount as may be prescribed by the Bank from time to time. |
| (9) |
Cheque Handling Fee for "Renminbi Autosweeping Service" will be debited from the Renminbi Current Account, while the Cheque Handling Fee for manual transfer by the customer will be debited from the Renminbi Savings Account |
| (10) |
Only Hang Seng Renminbi Account and Securities Account holders are eligible to subscribe for Renminbi Bonds. |
"EasyDraw" Time Deposit
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Allow partial or full withdrawal before maturity with minimum withdrawal amount HKD20,000 |
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Lower withdrawal handling fee compared with normal Time Deposit |
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Minimum deposit amount as low as HKD50,000 |
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Deposit tenors from three to 12 months provided |
M.I.
Kid Account
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Total
Relationship Balance |
Monthly
Fee |
HKD5,000
or above
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Waived
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Below
HKD5,000 |
HKD50 |
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| "M.I.
Kid" Savings |
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The specially designed "M.I. Kid" Savings Account promotes the importance of saving to children and helps them form the habit of saving. The colorful and attractive passbook and passbook cover will increase their interest in saving. |
| "M.I.
Kid" Protection |
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Any M.I. Kid account holder who has successfully enrolled in one of our designated insurance plans(2) can apply for an "M.I. Kid" Medical Card(3). Upon presenting this card at the clinic of a designated panel doctor, your child will receive medical services at a contractual rate. Over 300 panel doctors are contracted to provide general and specialist consultation services to holders of an "M.I. Kid" Medical Card.
Customers can contact our Customer Service Hotline on 2822 0228 for enquiries or to acquire a faxed copy of Panel Doctor List [ Press (1) (3) (1) after language selection ].
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| "M.I.
Kid" Collectable Card |
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Your child will receive an "M.I. Kid" Annual Collectable Card on his or her birthday! Simply present your "M.I. Kid" passbook at any of our branches in the birthday month of your child to receive his or her card for the year. |
| "M.I.
Kid" Financial Service |
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| Open an "M.I. Kid" AssetBuilder Account to handle daily finances via different channels to experience banking at many angles.
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| (1) |
The Total Relationship Balance is the monthly aggregate balance of the daily
average of all deposits, statement gold, securities, investment funds, utilized overdraft facilities,
credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for
the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF
balance. For sole name Integrated Account holders, their other joint name account(s) will also be included. |
| (2) |
To qualify for an "M.I. Kid" Medical Card, customers are required to
enrol in any designated insurance plan underwritten by Hang Seng Insurance Company Limited or Hang Seng
General Insurance (Hong Kong) Company Limited, with the Insured aged 18 or below. For details of the designated
insurance plans, please check with our staff. The exact terms and conditions and exclusions
of the insurance plans are given in the English version of the relevant policy.
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| (3) |
The M.I. Kid Medical Card will be issued for the benefit of the Insured
person named in the insurance plan enrolled in by the customer. |
| (4) |
Investors should note that all investments involve risks and past
performance may not be indicative of future performance. The prices of Units of the
relevant funds and those of the relevant stocks, and the income from them may fall as
well as rise. Investors should refer to the relevant risk disclosure statement and the
offering document of the relevant fund should be read in detail before making any
investment decision. |
| (5) |
For details of the Currency Switching Service and relevant terms and
conditions, please refer to the Currency Switching Service leaflet and Integrated Account
Terms and Conditions which is also applicable to "M.I. Kid" AssetBuilder Account. |
| Notes: |
| • |
The above information about "M.I. Kid" Protection
is intended only as a general summary. For detailed terms and conditions relating to the
Hang Seng M.I. Kid general outpatient practitioners and medical specialist consultation
services, please refer to the contractual documents of the "M.I. Kid" Medical Card. |
| • |
Hang Seng Bank Limited is an insurance agent
appointed by Hang Seng General Insurance (Hong Kong) Company Limited and Hang Seng Insurance Company Limited, which
are authorized and regulated by the Commissioner of Insurance of the HKSAR. |
| • |
Investment involves risks and prices
of fund units and securities may go
up as well as down. Investors should
refer to the offering documents of
the relevant investment and the relevant
Risk Disclosure Statements, and satisfy
themselves that the relevant funds
or securities are suitable for them
in terms of their own circumstances
and financial position before making
any decision to invest. In addition,
investors should avoid excessive investment
in any single type of investment (in
terms of its proportion of their overall
portfolio) including any proposed
investment in the relevant funds or
securities so as to avoid having their
investment portfolio being over-exposed
to any particular investment risk.
If required, investors should obtain
independent legal, financial and other
professional advice before making
any investment decision. Investors
should note that all investments involve
risks and past performance may not
be indicative of future performance. |
| • |
Hang Seng Bank Limited (the "Bank")
reserves the right to suspend, vary or discontinue any promotional 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. |
Gold
Account
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A choice of Statement Gold Account(1) or Passbook Gold Account |
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Trading 99% fineness gold in tael troy - minimum transaction unit is 1 Mace Troy. If trade more than 1 Mace of Gold, for a quantity which is a whole multiple of 1 Mace. |
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Buy and sell through branch network, Phone Banking and e-Banking(2) |
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No handling charges other than actual buying or selling price |
| (1) |
Statement Gold Account is only applicable to Integrated Account of Prestige Banking / Preferred Banking, Integrated Account or IBS Account customers |
| (2) |
Not applicable to IBS Account |
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Online
Tools
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Reference Rates
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