Calling All Gen-Smart Players in Town
From 5 September to 15 December 20231, game on and
get yourself ready for
Game Cards missions - complete them
to unlock exciting rewards!
For 3 months in a row
Get
chances to enter Lucky Draw and
win two round-trip Tokyo flight tickets2
On-Board Rewards
New customers3 who open a Preferred Banking account can enjoy a reward of value up to HK$5,650 and one lucky draw chance4!
Draw Game Cards to Power Up Your Lucky Draw Chances5
Complete designated items to join the lucky draw for two round-trip flight tickets to Tokyo automatically. Scan the campaign QR code to draw a game card, and earn extra lucky draw chances as stated on the game card by completing the assigned missions. Earn up to 10 chances each day!
Game Cards At-a-Glance
Remarks:
- "Promotion Period" refers to the period between 5 September and 15 December 2023 (inclusive of the first and last day).
- Each eligible customer has the opportunity to win once during the promotion period. There will be one winner each day during the promotion period.
- "New Customer(s)" mentioned herein refers to personal customers who have opened a new Preferred Banking of the Bank during 1 July 2023 to 15 December 2023, but excluding: existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at Hang Seng Bank Limited ("the Bank") (including Prestige Banking, Preferred Banking and any other Integrated Account) (the "Existing Customer(s)"), or customers who have closed any of the above accounts with the Bank in the previous 12 months prior to the account opening month, or customers whose accounts mentioned above have been terminated in any period.
- Upgrading or opening a Preferred Banking account entitles customers to the lucky draw.
- For details on designated missions, please refer to the terms and conditions at the bottom of this page.
Calling All Gen-Smart Players in Town –
Game on and follow
Gareth.T’s lead!
Coming soon
Draw Game Cards now
Visit Hang Seng Bank website > Featured services > Choose “HARO
WhatsApp Start Chat” > Register and open WhatsApp > Input the
designated promo code "CARRY"
With Hang Seng Preferred Banking
Power Up Your Skills
Equip yourself with Preferred Banking and the game-changing gadget – your phone. Open your Preferred Banking account with the Hang Seng Mobile App to take care of all daily banking and investing needs at all times. Play up your experience and fast travel to your aspirations. Power up your Gen-Smart skills to become a pro player!
One app does it all
- A few minutes only for mobile account opening*
- Logon with BIO ID and scan to withdraw cash from an ATM with your mobile phone
- Use “Pull Money” to transfer money from other banks to Hang Seng
- Deposit a cheque simply by taking a photo
- AutoSweeping to transfer the required fund to cheque account without processing fees
*The actual time required may vary depending on individual situation
Achieve your savings goals with smart assists
- Activate Money Master to set your personalised savings goals and track your expenses from Hang Seng HKD accounts & credit cards
- Get H A R O WhatsApp in action to receive saving progress updates and personalised savings tips
- Optimise your strategic savings plan around your expenses, income, and spending pattern
- Enjoy a guaranteed 1-year return of up to 5%* with a single premium payment. Enter the promo code "INCOME" to apply for the QuickReward Endowment Life Insurance Plan (1-Year), and the offer will be yours!
*The rate of return is calculated on an annual payment plan in USD, including the first-year premium discount. Terms and conditions apply. Policy surrender may result in losses; please pay attention to the related product and credit risks.
Speed up to realise your dreams
- Unlimited $0 brokerage for new securities customers in the first 3 months^
- Thereafter, you can trade HK stocks, A-shares and US stocks freely with SimplyStock at a monthly fee of HK$30. No trade, no fee. No registration is required.^
Investment involves risks. Investors should read in detail the relevant risk disclosure statements prior to making any investment.
^ Terms and Conditions apply to the $0 brokerage offer. The HK$30 monthly fee of SimplyStock is applicable to the first trading amount of HK$300,000 (or its equivalent in any foreign currency). This fee is limited to all sole-named Integrated Account holders who are aged between 18 and 30 and trade eligible securities via the customers’ Securities Accounts (excluding Share Margin Account) (Standard fees and charges are still applicable to other securities tradings). No fee would be charged if customer does not have any trade in that month. Effective date of the fee is 1 October 2023. Terms and Conditions apply.
14 Game Cards
to Boost Up the Lucky Draw Chances
Win
Two Round-Trip Flight Tickets to Tokyo
Draw game cards from H A R O WhatsApp during the promotion period1, and complete the designated missions on game cards to earn lucky draw multipliers. Earn up to 10 cards each day and up to 10 additional lucky draw chances, bringing you that much closer to winning your tickets to Tokyo! (Game Card available in Chinese only)
Mission:
Open a Preferred Banking account successfully
Basic Lucky Draw Entry 1 entry
Game Card Extra Lucky Draw Entry
+10 entries
+10 entries
- Upgrade to a Preferred Banking account for one lucky draw entry
- Log on to the Hang Seng Mobile App for one lucky draw entry
- Utilize Electronic Bill Presentment and Payment Service online to settle a payment worth HK$100 or more, or set up Direct Debit Authorization and subsequently settle a payment worth HK$100 or more for one lucky draw entry
- Complete or update your Risk Profiling Questionnaire via Hang Seng Mobile App or Personal e-Banking (Desktop version) for two lucky draw entries
[Limited-Time Offer]
Subscribe for IPO Bonds and Secondary Market Bonds, including The Government of the HKSAR Bond via Hang Seng Mobile App or Personal e-Banking (Desktop version) during
18 Sep – 30 Sep 2023 for five lucky draw entries
Subscribe for IPO Bonds and Secondary Market Bonds, including The Government of the HKSAR Bond via Hang Seng Mobile App or Personal e-Banking (Desktop version) during
18 Sep – 30 Sep 2023 for five lucky draw entries
Remarks:
- "Promotion Period" refers to the period between 5 September and 15 December, 2023 (inclusive of the first and last day), terms and conditionsterms and conditionsterms and conditions apply.
- Investments involve risks.
How to get the game cards and the extra chance of winning flight tickets to Tokyo?
Activate H A R O WhatsApp in just a few steps to complete your booster card missions effortlessly and increase your chances of winning the lucky draw!
Select "Draw Game Cards now" and it will open H A R O WhatsApp, then you can send out the promo code pre-filled by system
Read and agree to the Terms and Conditions and Privacy Notice (applicable to the players that first time connect to H A R O WhatsApp)
Select whether to opt-in for marketing-related correspondence via H A R O WhatsApp
Complete the H A R O WhatsApp initiation and you will receive the game card automatically. Complete the game card missions and gain lucky draw chance!
Look out for the results announcement on
10 November 2023,
8 December 2023, 12 January 2024,
and 29 January 2024!
Stay tuned!
Preferred Banking rewards
for both new and existing
customers
New customers1who open a Preferred Banking
account can enjoy rewards of value
up to
HK$5,650
2
1
Open Preferred Banking account via Hang Seng Mobile App and successfully transfer cumulative amount of HKD 1,000 or above from account(s) of other local bank(s) to customer’s new Preferred banking account via the FPS within 2 months after account opening.
HKD100
HKTVmall e-Gift Voucher3
1
Register as Hang Seng Olive Members, and successful apply for QuickReward Endowment Life Insurance Plan (1-Year)4
- Enter the promo code "INCOME" to apply and enjoy up to 5% guaranteed annual rate of return5
- Multiple currency (HKD / RMB / USD) and premium option
HKD50
Hung Fook Tong e-Gift Voucher6
2
HKD Savings Deposit Offer (“Deposit Offer”)
Deposit new funds to the HKD Savings/ Current Accounts and meet the Eligible Deposit Requirement below during the relevant Deposit Period to enjoy:
| Eligible Deposit Requirement | Cash Reward |
|---|---|
| HKD50,000 or above – Below HKD100,000 | HKD300 |
| HKD100,000 or above – Below HKD150,000 | HKD600 |
| HKD150,000 or above – Below HKD200,000 | HKD900 |
| HKD200,000 or above – Below HKD250,000 | HKD1,200 |
| HKD250,000 or above – Below HKD300,000 | HKD1,500 |
| HKD300,000 or above – Below HKD350,000 | HKD1,800 |
| HKD350,000 or above – Below HKD400,000 | HKD2,100 |
| HKD400,000 or above – Below HKD450,000 | HKD2,400 |
| HKD450,000 or above – Below HKD500,000 | HKD2,700 |
| HKD500,000 or above | HKD3,500 |
The relevant Deposit Period according to the month
of account opening:
| Month of Account Opening | Deposit Period |
|---|---|
| 1 – 31 Jul 2023 | Aug – Oct 2023 |
| 1- 31 Aug 2023 | Sep – Nov 2023 |
| 1 - 30 Sep 2023 | Oct – Dec 2023 |
| 1- 31 Oct 2023 | Nov 2023 – Jan 2024 |
| 1 - 30 Nov 2023 | Dec 2023 – Feb 2024 |
| 1 - 15 Dec 2023 | Jan – Mar 2024 |
Up to HKD3,500
cash rewards7
3
Set up payroll service via your new Preferred Banking account with at least one-month payroll record during the designated payroll period and deposit new funds in the CNY Savings/Current Deposit Account during the designated period
Payroll Reward
Set up payroll service via your new Preferred
Banking account to enjoy up to HKD800
| Average Monthly Payroll Amount (“Designated Payroll Amount”) | Cash Reward |
|---|---|
| HKD50,000 or above | HKD800 |
| HKD30,000 – below HKD50,000 | HKD500 |
| HKD10,000 – below HKD30,000 | HKD300 |
New Fund Deposit Reward
Deposit new funds in the CNY Savings/Current
Deposit Account to enjoy up to HKD300
| Eligible Incremental Amount | Cash Reward |
|---|---|
| CNY40,000 or above | HKD300 |
| CNY20,000 – below CNY40,000 | HKD150 |
Up to HKD1,100
cash rewards
8,9
4
Activate Money Master and set up saving goal via Hang Seng Mobile App
HKD100
HKTVmall e-Gift Voucher10
1
Successfully apply for Hang Seng MMPOWER World Mastercard® or University / College Affinity Credit Card
$100
+FUN Dollars11
2
Successfully apply for Hang Seng MMPOWER World Mastercard® or University / College Affinity Credit Card and fulfill designated spending requirement
Up to$700+FUN
Dollars
/ Up to10MCL Movie Tickets12,13
Existing customers who upgrade to Preferred Banking can
enjoy rewards of value
up to
HK$1,850
14
1
Register as Hang Seng Olive Members, and successful apply for QuickReward Endowment Life Insurance Plan (1-Year)4
- Enter the promo code "INCOME" to apply and enjoy up to 5% guaranteed annual rate of return5
- Multiple currency (HKD / RMB / USD) and premium option
HKD50
Hung Fook Tong e-Gift Voucher6
1
Set up payroll service via your upgraded Preferred Banking account with at least one-month payroll record during the designated payroll period and deposit new funds in the CNY Savings/Current account during the designated period
Payroll Reward
Set up payroll service via your upgraded
Preferred Banking account to enjoy up to HKD800
| Average Monthly Payroll Amount (“Designated Payroll Amount”) | Cash Reward |
|---|---|
| HKD50,000 or above | HKD800 |
| HKD30,000 – below HKD50,000 | HKD500 |
| HKD10,000 – below HKD30,000 | HKD300 |
New Fund Deposit Reward
Deposit new funds in the CNY Savings/Current
Deposit Accounts to enjoy up to HKD300
| Eligible Incremental Amount | Cash Reward |
|---|---|
| CNY40,000 or above | HKD300 |
| CNY20,000 – below CNY40,000 | HKD150 |
Up to HKD1,100
cash rewards8,9
1
Successfully apply for Hang Seng MMPOWER World Mastercard® or University / College Affinity Credit Card and fulfill designated spending requirement
Up to
$700 +FUN
Dollars /
Up to
10MCL
Movie Tickets12,13
Money Master - Your Trusty Sidekick
Major Money-Saving
Skills Upgrade Incoming
Activate Money Master and grant yourself a tool that gives you flexibility to set up saving plans. Money Master will automatically track your expenses from your Hang Seng Hong Kong Dollar accounts and credit cards, and reflect remaining spending budget in real time, giving you a holistic picture of your monthly progress. For extra help, register H A R O WhatsApp to receive personalised tips and progress updates to help you achieve your goal with ease!
Log on to Hang Seng Mobile App and plan your future with Money Master now!
Money Master Activator Medal
By setting up a savings plan in Money Master on Hang Seng Mobile App and connecting to H A R O WhatsApp, the first 10,000 eligible customers will receive an instant digital coupon to redeem a KFC Portugese Egg Tart.
More offers are waiting for you in Money Master!
Unlock a trifecta of rewards as a new Money Master user1
Money Master Activator Medal
By setting up a savings plan in Money Master on Hang Seng Mobile App and connecting to H A R O WhatsApp, the first 10,000 eligible customers will receive an instant digital coupon to redeem a KFC Portugese Egg Tart.
First Month Target Rusher Medal2
Reach your savings target in the first month (starting
from the day you set up your savings plan) and the first
5,000 eligible customers will get a chance to receive a
HK$20 Deliveroo
e-voucher!
Consecutive Login Medal2
Log into Money Master for 21 consecutive days during the promotion period and the first 2,000 eligible customers can receive a HK$50 HKTV mall e-voucher!
*Terms and Conditions apply, please refer hereherehere for details.
Remark:
-
The promotion period is from 26 August 2023 to 31 December
2023, both dates inclusive (Money Master Promotion Period).
Each Eligible Customer can only enjoy the respective Reward
per mission item completed once only during the entire Money
Master Promotion Period and quota are set in each mission.
Reward is available while stocks last. Customers must still
hold a valid H A R O WhatsApp registration. The Bank reserves
the right to replace the Reward with other items without prior
notice. The value and nature of the replacement item may
differ from the original one. Terms and Conditions apply, for
details please visit hangseng
com/camp5
- Applicable to customers who Satisfy the requirements under the first mission item of within the Money Master Promotion Period
Set up your bespoke saving plan
Log on to Hang Seng Mobile App and tap "Account Services" > "Money Master"
Pick a savings goal you want to achieve
Set up / enter plan details to let Money Master automatically calculate the monthly spending budget for you.
Money Master will track the expense records of your Hang Seng HKD accounts and credit card.
Connect to the Hang Seng virtual assistant, H A R O WhatsApp.
Receive personalised savings tips and progress updates via H A R O WhatsApp.
All set! You can start working towards your goal and experience a more efficient way to save money with Money Master.
Just a few minutes – Open Preferred Banking Account and Game On*!
Download and log on to Hang Seng Mobile App
Select “Account Services” from the main menu and click “Open / Upgrade an Account” to verify your information. You have successfully opened a new account and can enjoy full banking services right away.
Remarks: If you are upgrading your existing Integrated Account or Preferred Banking account to Preferred or Prestige Banking, your application will be processed within 2 to 3 working days.
Download Hang Seng Mobile App
Download and open Hang Seng Mobile App, select “Mobile Account Opening” under “Featured quick links” at the Home page. Verify your identity by capturing your HKID and taking a selfie as instructed, then fill in your personal details needed.
*Mobile Account Opening / Upgrade is not available to customers who only hold Hang Seng credit cards or joint-named Integrated Accounts or already hold a sole-named Prestige Banking account. Customers who are new to Hang Seng can make deposits right away after successful Mobile Account Opening, full banking services (e.g. cash withdrawal from account) will be available after 3 working days and ATM card will be dispatched by mail within 5 working days. If you are existing Hang Seng customers, you can enjoy full banking services right away after successful Mobile Account Opening. If you are upgrading your existing Integrated Account or Preferred Banking account to Preferred or Prestige Banking, your application will be processed within 2 to 3 working days.
To borrow or not to borrow? Borrow only if you can repay!
If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
Terms and Conditions apply to all the products/services and offers above. Please click hereclick hereclick here for detailed Terms and Conditions of Preferred Banking Welcome Offers Promotion.
Click hereClick hereClick here for the relevant Terms and Conditions of “Be a Game Changer and “Carry” Yourself – Calling All Gen-Smart Players in Town” Flight Tickets Lucky Draw.
- "New Customer(s)" mentioned herein refers to personal customers who have opened a new Preferred Banking of the Bank during 1 July 2023 to 15 December 2023, but excluding: existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at Hang Seng Bank Limited ("the Bank") (including Prestige Banking, Preferred Banking and any other Integrated Account) (the "Existing Customer(s)"), or customers who have closed any of the above accounts with the Bank in the previous 12 months prior to the account opening month, or customers whose accounts mentioned above have been terminated in any period.
- New Customers could enjoy rewards of value up to HK$5,650 (including e-Gift vouchers, +FUN Dollars and cash rewards), please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
- The Promotion Period is from 1 July 2023 to 15 December 2023. New Customers are required to open Preferred Banking account successfully via Hang Seng Personal Banking mobile app (“Hang Seng Mobile App”) during the Promotion Period, and successfully transfer cumulative amount of HKD 1,000 or above from account(s) of other local bank(s) to customer’s new Preferred banking account within 2 months after account opening to entitle to HKD100 HKTVmall e-Gift Voucher. Terms and conditions apply to the offer. For details, please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
- QuickReward Endowment Life Insurance Plan (1-Year) is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly. Terms and Conditions apply. Please note the relevant product risks, credit risks and early surrender loss.
- This is the return rate of USD plan with premium discount included. Terms and Conditions apply. This offer is applicable to all customers who enter the promo code "INCOME" for application to enjoy up to 5% guaranteed annual rate of return.
- The promotion period is from 5 September 2023 to 31 December 2023. Please click hereclick hereclick here for the Terms and Conditions for the Reward of an e-Gift Voucher for Hang Seng Olive Members upon successful application for the QuickReward Endownment Life. Insurance Plan. This offer is only applicable to all customers who complete a successful application via the Hang Seng Bank website and have already downloaded the Hang Seng Olive Wellness App (the updated version is required for customers to enjoy the e-Gift Voucher).
- This offer is only applicable to New Customers and their Hong Kong Dollar (HKD) Savings / Current Accounts maintained with the Bank in their sole name or in the capacity as the primary account holder in the case of a joint account (“Eligible Deposit Accounts”). Eligible Deposit is the average daily deposit balance of the Eligible Deposit Accounts during the Deposit Period. In the case of any funds transfer made after 9pm on Mondays to Fridays or 6pm on Saturdays, and cheques deposited after the cut-off time of the Bank, the deposit balance will be updated and reflected in the calculation of the Eligible Deposit on the next working day. All the related account deposit balances shall be based on the records of the Bank.
-
The Promotion is only applicable to Eligible Customers
who successfully set up payroll service via the
sole-named or joint-named newly opened/upgraded
Preferred Banking account (“Payroll Account”) within the
Promotion Period, and fulfil the following requirements
(“Eligible Payroll Customers”). Each Eligible Payroll
Customer is entitled to the cash reward once:
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1 July
2023 to 30 September 2023
- Have no payroll record under any account of the Bank during the period from 1 April 2023 to 30 June 2023; and
- Have at least one-month of payroll record of HKD10,000 or above in Eligible Customer’s Payroll Account during the period from 1 July 2023 to 30 November 2023 (“Designated Payroll Period”); and the salary must be directly credited to Eligible Customer’s Payroll Account from the employer’s company account via Autopay (“Eligible Payroll Record”). Any salary not credited from the employer’s company account is not considered an Eligible Payroll Record.
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1
October 2023 to 15 December 2023
- Have no payroll record under any account of the Bank during the period from 1 July 2023 to 30 September 2023; and
- Have at least one-month of payroll record of HKD10,000 or above in Eligible Customer’s Payroll Account during the period from 1 October 2023 to 29 February 2024 (“Designated Payroll Period”); and the salary must be directly credited to Eligible Customer’s Payroll Account from the employer’s company account via Autopay (“Eligible Payroll Record”). Any salary not credited from the employer’s company account is not considered an Eligible Payroll Record.
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1 July
2023 to 30 September 2023
-
For Eligible Payroll Customers who did not hold any CNY
account with the bank on the Baseline Date, his/ her
“Total CNY Deposit Balance” on the Baseline Date will be
treated as zero. All the related account deposit
balances shall be based on the records of the Bank which
shall prevail.
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1 July
2023 to 30 September 2023
- Eligible Incremental Amount refers to the positive net growth amount of the Eligible Payroll Customer ’s combined total deposit balance of sole-named CNY Savings/Current Deposit Account (“Total CNY Deposit Balance”), from 30 June 2023 (“Baseline Date”) to 30 November 2023 (“Comparison Date”) (“Designated Period”).
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1
October 2023 to 15 December 2023
- Eligible Incremental Amount refers to the positive net growth amount of the Eligible Payroll Customer ’s combined total deposit balance of sole-named CNY Savings/Current Deposit Account (“Total CNY Deposit Balance”), from 30 September 2023 (“Baseline Date”) to 29 February 2024 (“Comparison Date”) (“Designated Period”).
-
Applicable to customers who newly opened/upgraded to
Preferred Banking account of the Bank during 1 July
2023 to 30 September 2023
- The promotion period is from 5 September 2023 to 15 December 2023. New customers who activate Money Master and set up saving goal through the Hang Seng Personal Banking mobile app (“Hang Seng Mobile App”) during the Promotion Period, are entitled HKD100 HKTVmall e-Gift Voucher. Terms and Conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
- The promotion period is from 1 July 2023 to 15 December 2023. Customers who have successfully applied for Hang Seng MMPOWER World Mastercard or University / College Affinity Credit Card on or before 15 January 2024 are entitled $100 +FUN Dollars. For details, please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
-
The promotion period is from now to 31 December 2023.
Customers who have successfully applied for MMPOWER
World Mastercard during the Promotion Period and
fulfilled the designated spending requirements of
welcome offer are entitled to up to $700 +FUN Dollars or
10 MCL Movie Tickets. For details, please visit
。
-
The promotion period is from now to 31 December 2023.
Customers who have successfully applied for
University/College Affinity Credit Card during the
Promotion Period and fulfilled the designated spending
requirements of welcome offer are entitled to up to $600
+FUN Dollars. For details, please visit
。
- Existing customers who upgrade to Preferred Banking during the Promotion Period could enjoy rewards of value up to HK$1,850 (including e-Gift vouchers, +FUN Dollars and cash rewards), please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
- FPS (Faster Payment System) is a real-time payment platform which provided by Hong Kong Interbank Clearing Limited. Terms and conditions apply.
- The document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein.
- Hang Seng Bank Limited (the "Bank") reserves the right to suspend, vary or terminate this promotion and the related offers and to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final.
- The contents of this document have not been reviewed by any regulatory authority in Hong Kong.
- This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.
- The promotion is intended for persons in Hong Kong.
RMB Currency Risk
Renminbi (“RMB”) is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
Foreign Currency Risk
Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.
Important Risk Warnings for Securities
Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities. Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
Risk Disclosure of investing in securities via Stock Connect Northbound Trading
Investors should note that investing in different
Renminbi-denominated securities and products involves
different risks (including but are not limited to currency
risk, exchange rate risk, credit risk of issuer /
counterparty, interest rate risk, liquidity risk (where
appropriate)). The key risks of investing in securities via
the Stock Connect Northbound Trading include:
- Once the respective quota is used up, trading will be affected or will be suspended.
- Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
- When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
- Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
Risk Disclosure of investing in foreign securities
Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
Risk Disclosure of Investment Funds
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
Risk Disclosure of SimplyFund Account
- Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
- Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
- In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.
Important Information for “Risk Profiling Questionnaire”
The Risk Profiling Questionnaire is provided by Hang Seng Bank Limited (the “Bank”) and is intended to help the customer understand his/her risk profile and investment needs. The Bank makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given. The suggestions are derived from information that the customer has provided to the Bank. The suggestions are designed to meet the needs discussed in this test and are in line with the customer’s attitude towards risk. The suggestions are for the customer’s consideration when making his/her own investment decisions. The suggestions are not an offer to sell or a solicitation to buy any financial products and the suggestions should not be considered as investment advice.
Important Risk Warning of Bond or Certificate of Deposit Product
- Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
- Bonds are not deposits and should not be treated as substitute for conventional time deposits.
- Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
- Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
- Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
- The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs.
- The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product Offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
- No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
- Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.
Risk Disclosure of Structured Products
- Structured Products involve derivatives. The investment decision is yours but you should not invest in a Structured Product unless the intermediary who sells it to you has explained to you that the Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Structured Product is a complex product and you should exercise caution in relation to Structured Products. The market value of the Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Structured Products and carefully study the risk factors set out in the offering documents for the Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in any Structured Products. If you purchase the Structured Products, you are relying upon the creditworthiness of the Issuer of the Structured Products.
- Liquidity risk – Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Structured Products before maturity. If you try to sell the Structured Products before maturity, the amount you receive may be substantially less than the investment amount you paid for the Structured Products.
- Credit risk of the Structured Products issuer – Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Structured Products, you will be relying on the creditworthiness of the Structured Products issuer and of no other person. You have no rights under the terms and conditions of the Structured Products against any issuer of any linked underlying(s). If the relevant Structured Products issuer becomes insolvent or default on its obligations under the Structured Products, in the worst case scenario, you could lose all of your investment.
- Not the same as investing in linked underlying(s) – Investing in Structured Products is not the same as investing in the linked underlying(s). Changes in the market price or level of any linked underlying(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Structured Products.
- Before making any investment, investors should i) read and fully understand all the offering documents relating to Structured Products and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.
Risk Disclosure of Capital Protected Investment Deposit
- This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
- Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
- This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
- Investment in this product is subject to the credit risk of the Bank.
- Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.
Risk Disclosure of MaxiInterest Investment Deposit
- This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
- Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
- Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product.
- Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
- This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
- Investment in this product is subject to the credit risk of the Bank.
- Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.
Risk Disclosure of FX and Precious Metal Margin Trading Services
- The risk of loss in leveraged foreign exchange and precious metal 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 FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives.
- Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB.
- Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all.
- Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision.
- If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice.
Risk Disclosure for FX2 – FX and Precious Metal Trading Services
- Foreign exchange and precious metal trading involves a high degree of risk. You may sustain a substantial or even total loss of your initial collateral. Under certain market conditions, you may find it difficult or impossible to liquidate a position of outstanding FX2 Trading Contracts. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit your loss at the designated price. In extreme circumstances whereby the market moves significantly against your positions, you may be required to make additional deposits or interest payments within a short period of time to maintain your positions. If you fail to provide the required deposits or interest payments immediately, your positions under all outstanding FX2 Trading Contracts may be closed out without prior notice. You should therefore carefully consider if foreign exchange and precious metal trading is suitable for you in light of your own financial position and investment objectives.
- Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your FX2 Trading Contract involves offshore RMB, you will be subject to foreign control and currency risks of RMB.
- Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all.
- Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision.
- You are advised to exercise caution in relation to this webpage. If you are uncertain of or do not understand the nature of and the risks involved in foreign exchange and precious metal trading, you should seek independent professional advice.
The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.
To borrow or not to borrow? Borrow only if you can repay!
