 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.
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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.
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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.
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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 |
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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.
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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) |
| 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. |
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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.
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| (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. |
M.I. Kid Account
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Total
Relationship Balance
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Monthly
Fee
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HKD5,000 or above
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Waived
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Below HKD5,000
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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.
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| M.I.
Kid Protection |
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We provide comprehensive insurance protection for
children through an extensive range of plans, all aimed
at helping your child enjoy a healthy and secure life.
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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 the card for the year.
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| 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, gold accounts, 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) |
Investors
should note that all investment involves risks. Prices of
investment products may go up as well as down and may even
become valueless. Investors should not only base on this
marketing material alone to make any investment decision,
but should read in detail the offering documents and the
Risk Disclosure Statement of the relevant investment
products. |
| (3) |
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: |
| • |
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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Statement Gold Account(1) |
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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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Preferential Interest Rates and Exchange Rates are available for different accounts, currencies, transaction amounts and tenors! |
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Contact
Us
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Call our 24-hour hotline
2822 0228 |
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Visit our
branches |
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