Action Now
Action Now
Action Now
Action Now
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2.8%p.a. HKD Savings Deposit Bonus
Interest Rate

Register for personal e-Banking and e-statement/ e-Advice5 for a 24/7 wealth management
HKD100 e-Cash Voucher6

Use Savings Planner7and achieve your savings goals
HKD100 e-Cash Voucher6

Open a SimplyFund account8 and start your fund investment with only HKD1 HKD100 e-Cash Voucher6

Open a Securities account and successfully complete
one HK stocks / Stock Connect Securities or
US stocks transaction via Hang Seng digital channels9
HKD50 e-Cash Voucher6

credit card

New securities customers can enjoy $0 brokerage for 6 consecutive months for HK stocks / Stock Connect Securities or US stocks transactions and IPO handling fee waiver for all IPOs of HK stocks subscriptions, by completing the transactions through Hang Seng digital channels10

Maximum HKD1,20010 handling fee waiver for Monthly Investment Plan for Stocks

Eligible customers who completed the first fund subscription of HKD3,000 or above via SimplyFund account account in 2021 and 2022 can enjoy HKD50 Cash Reward11

Successfully apply for Hang Seng MPOWER Card and fulfill designated spending requirement to enjoy up to $700 Cash Dollars. Fulfill the above requirements and open a Preferred Banking account successfully to enjoy an extra reward of $200 Cash Dollars12

Switch to our payroll service to enjoy up to HKD800 Welcome Reward13

Fund-in via “Pull Money” and fulfill designated requirements to enjoy up to HKD200 Cash Reward13

Enjoy interest rate of up to 13%p.a.14 for exchanging designated currencies and setting up a 1-week time deposit for the same currency at the same time

Remittance fee waiver15 for the designated outward remittance

HKD100 e-Cash Voucher/Cash Dollars

$300 Cash Dollars

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Account Opening Made Handy!

New Preferred Banking customers1 can enjoy 2.8% p.a. HKD savings deposit bonus interest rate and up to $2,3003rewards
University/Tertiary students can exclusively enjoy up to $600 account opening & credit card offers16,17

EASY
EASY
EARN
EARN
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CASH
CASH
CASH
HKD Savings Deposit Bonus Interest Rate
2.8%p.a. HKD Savings Deposit Bonus Interest Rate exclusively for new customers
Applicable to the first HKD200,000 eligible deposits2
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HARO
HARO
HARO
Exclusive for Mobile Account Opening4
Redeem up to HKD350 e-Cash Voucher with Ease and Speed via H A R O
After opening a Preferred Banking Account via Hang Seng Mobile App and completing the tasks below,
you may redeem a PARKnSHOP, foodpanda or HKTVmall e-Cash Voucher via H A R O WhatsApp!
Register for personal e-Banking and e-statement/ e-Advice
Register for personal e-Banking and e-statement/ e-Advice
Use Savings Planner
Use Savings Planner
Open a SimplyFund account
Open a SimplyFund account
Open a Securities account
Open a Securities account
WELCOME
WELCOME
WELCOME
Other Rewards
Experience Our All-Rounded
Wealth Management Services with Your Mobile
Earn up to $1,950 welcome reward by fulfilling the designated requirements and enjoy our all-rounded investment and wealth management services with your account
Securities Services
6-month $0 brokerage
SimplyFund
HKD 50
MPOWER Card
Up to $900 Cash Dollars
Payroll Service
HKD 800
Pull Money Service
HKD 200
Foreign Exchange
Up to 13%p.a. interest rate
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STUDENT
STUDENT
STUDENT
Student Offers
$600 Welcome Rewards Exclusive for Full-Time University/Tertiary Students
01
Successfully open an account via mobile to enjoy HKD100 e-Cash Voucher or Open an account at our branch to enjoy HKD100 Cash Reward16
02
Successfully apply for a University / College Affinity Credit Card and fulfill the designated spending requirement to enjoy $300 Cash Dollars17
Complete 01 + 02 to enjoy an extra reward of $200 Cash Dollars17
Successfully open an account via mobile to enjoy HKD100 e-Cash Voucher or Open an account at our branch to enjoy HKD100 Cash Reward16
01
Successfully apply for a University / College Affinity Credit Card and fulfill the designated spending requirement to enjoy $300 Cash Dollars17
02
Complete 01 + 02 to enjoy an extra reward of $200 Cash Dollars17
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REWARD
REWARD
REWARD
giftPrize

iPhone 13 Pro 128GB(20 quotas)
Suggested Retail Price: HKD8,499

iphone
Limited Offer
Account Opening Lucky Draw
From now on till 31 Mar, get a ticket to participate in a lucky draw and win an iPhone 13 Pro 128GB by opening a Preferred Banking account, a securities account, a SimplyFund account and/or an Investment Fund account. Open all 4 accounts to be entitled for 4 lucky draw chances!

Download Hang Seng Mobile App and select “Mobile Account Opening”

Download Hang Seng Mobile App

and select “Mobile Account Opening”

Hang Seng Personal Banking App Store Google Play
QR code
To borrow or not to borrow? Borrow only if you can repay!
Terms and conditions apply to all products/ services and offers. Please click here for the detailed terms and conditions.

Remarks:

  1. “New Customer(s)” mentioned herein refers to personal customers who have opened a new Preferred Banking of the Bank during the Promotion Period, but excluding: existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking, Green Banking and any other Integrated Account) “Existing Customer(s)”, or customers who have closed any of the above accounts with the Bank within the period from 1 July 2021 to 31 March 2022, or customers whose accounts mentioned above have been terminated in any period.
  2. Eligible Deposits is the average daily deposit balance of the Eligible Deposit Accounts during the Bonus Interest Period (from the account opening date to 31 March 2022). Please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this promotion website for the calculation and an illustration example. There are limited quotas for this Offer and it is rewarded on a first-come-first-served basis.
  3. New Customers could enjoy welcome rewards up to $2,300, please refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this website.
  4. The Preferred Banking Mobile Account Opening Extra Reward is only applicable to New Customers who have newly opened Preferred Banking through Hang Seng Personal Banking mobile app. For a full list of Mobile Account Opening eligibility requirements, please refer to the “FAQs” tab of hangseng.com/en-hk/personal/banking/account-opening/mobile/ or refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this promotion website.
  5. The promotion period is from 1 January 2022 to 31 March 2022 . Customers who join Preferred Banking and register for personal e-Banking during promotion and opt-in for e-statement service/e-Advice service with a valid email during promotion period are entitled to receive a HKD100 e-Cash Voucher.
  6. The Bank will send an SMS to the registered mobile number of Eligible Customer within 30 calendar days guiding the customer to redeem the e-Cash Voucher through H A R O WhatsApp. Terms and Conditions apply. For the offer details, please contact our branch staff or refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this promotion website.
  7. The promotion period is from 1 January 2022 to 31 March 2022 . Eligible Customers who set up a savings plan with duration of at least 3 months by logging on Savings Planner via Hang Seng Personal Banking mobile app during the Promotion Period are entitled to receive a HKD100 e-Cash Voucher.
  8. The promotion period is from 1 January 2022 to 31 March 2022 . Eligible Customers who successfully open a SimplyFund Account via Hang Seng Personal Banking mobile app during the Promotion Period are entitled to receive a HKD100 e-Cash Voucher.
  9. The promotion period is from 1 January 2022 to 31 March 2022 . Eligible Customers who open a Securities account and complete one successful HK stocks / Stock Connect Securities or US stocks transaction via Hang Seng digital channels are entitled to receive a HKD50 e-Cash Voucher.
  10. The promotion period is from 1 January 2022 to 31 March 2022. New Securities Customers (including all the account holders of the New Securities Account) mean customers must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. Investment involves risks, Terms and Conditions apply. For details, please refer to hangseng.com/stockoffer
  11. The promotion period is from 1 January 2022 to 31 March 2022. Investment involves risks, Terms and Conditions apply. For details, please refer to hangseng.com/simplyfundoffer
  12. The promotion period is from 1 January 2022 to 31 March 2022. New Credit Card Customers who successfully apply for Hang Seng MPOWER Card and fulfill the designated spending requirements are entitled to the welcome gift of $700 Cash Dollars. Existing Credit Card Customers, Full-time University / Tertiary Students who successfully apply for Hang Seng MPOWER Card and fulfill the designated spending requirements are entitled to the welcome gift of $300 Cash Dollars. Fulfill the above requirements and open / upgrade to a Preferred Banking account successfully to enjoy an extra reward of $200 Cash Dollars. Terms and Conditions apply. Please visit hangseng.com/mpower and refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this promotion website.
  13. The promotion period is from 1 January 2022 to 31 March 2022. Terms and Conditions apply. Please visit hangseng.com/payroll for details.
  14. The promotion period is from 1 January 2022 to 31 March 2022. Terms and Conditions apply. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 31 December 2021 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. For the offer details, please contact our branch staff or visit hangseng.com/forexoffer
  15. The promotion period is from 1 January 2022 to 31 March 2022. Terms and Conditions apply. Charges out of scope of designated outward remittance fees, and charges levied by the beneficiary bank in connection with the Eligible Transactions will not be waived. Please refer to the Bank’s Tariff Guide for Hang Seng Wealth and Personal Banking Customers for details of service fees for outward remittances.
  16. The offer is only applicable to a New Customer who is full-time university / tertiary student, aged 18 or above and attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: accredited universities in Hong Kong, Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Institute of Vocational Education, The Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education, Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology/HKCT Institute of Higher Education, Centennial College, Tung Wah College, UOW College Hong Kong, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, Hong Kong Art School, Gratia Christian College and Yew Chung College of Early Childhood Education (“Eligible University/ Tertiary Students”). Eligible University / Tertiary Students are required to present HKID identity copies, valid Student ID Cards or related supporting document upon application of Hang Seng MPOWER card and University / College Affinity Credit Card at branch. Customers must maintain their occupation status as “Students” in the Bank’s record to enjoy the above rewards. Eligible University / Tertiary Students who join Preferred Banking via Hang Seng Personal Banking mobile app are entitled to receive extra HKD100 e-Cash Voucher. Eligible University / Tertiary Students who join Preferred Banking at our branch are entitled to receive extra HKD100 cash reward.
  17. The promotion period is from 1 January 2022 to 31 March 2022. Eligible University / Tertiary Students who successfully apply for University / College Affinity Credit Card principal card and fulfill the designated spending requirements are entitled to the welcome gift of $300 Cash Dollars. Fulfill the above requirements and open / upgrade to a Preferred Banking account successfully to enjoy an extra reward of $200 Cash Dollars. Terms and Conditions apply. Please visit hangseng.com/ucardspromo and refer to the Terms and Conditions of Preferred Banking Welcome Rewards at this promotion website.

Terms and Conditions apply to all products, services and offers mentioned on this promotion website. Please refer to the enclosed Terms and Conditions for details. This promotion page 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.

The promotion is intended for persons in Hong Kong.

Other point(s) to note

  1. The mobile app is free of charge, but normal banking and transaction charges may apply when you conduct transactions via the app. Please refer to the Bank's service charges for details. In addition, customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your mobile network service provider.
  2. The mobile app can be accessed via the network of any local or overseas telecommunications service provider. You can use a 2G, 3G, HSDPA, 4G or Wi-Fi service. However, you must have a mobile internet service plan and handset that can support Internet access. Access to the Internet may also involve set-up procedures on your handset for some fixed IP SIM cards. Please check with your telecommunication service provider for details and up-to-date instructions. The connection speed may vary for different telecommunication service providers, different data usage plans, and different geographical locations. If you experience a slow response when mobile web browsing or during data transmission, please check with your telecommunication service provider. Customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your telecommunication service provider.
  3. Android, Google Play and the Google Play logo are trademarks of Google LLC.
  4. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

Risk Disclosure of SimplyFund Account

  • Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of 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 fund's offering documents (including the fund details and full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) before making any investment decision.
  • Not all of the investment funds that are distributed by Hang Seng Bank Limited (the "Bank") are available in SimplyFund Account. 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 by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited.

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.

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.

Important Risk Warnings in relation to Securities Investment

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 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 A-shares of Stock Connect Northbound Trading include:

  • Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect / Shenzhen-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong.
  • 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 and when banks in both markets are open on the corresponding settlement days. 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 some stocks are recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, the stocks can only be sold but NOT bought.
  • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
  • 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.

Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.