Biz Virtual+ Account
Integrated Business Solutions Account (“IBS Account”)
How to open account in as fast as 3 days with 3 simple steps
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Integrated Business Solutions Account (”IBS Account”) equip your business with total and comprehensive business banking service for different business needs.
You may choose to apply through Remote Account Opening Service1 in as fast as 5 days2 or via O2O make appointment online.
IBS Account is suitable for businesses that
  • are SMEs and Well-established Corporates
  • who require a full range of banking services to meet your sophisticated business needs
Remarks
  1. To enjoy remote account opening service, the applicant’s connected party(ies) must hold a Hong Kong Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong when submitting the application, completing digital ID verification and e-Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.
  2. For eligible customer(s), the Integrated Business Solutions Account can be opened in as fast as 5 business days upon performing e-Sign by customer. Customer(s) will receive a SMS notification for e-Sign after the(1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face-to-face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.
Account opening offers worth over HKD33,388!
Grasp the opportunity of the $10,000 Consumption Voucher Scheme
Enjoy free payroll services
Integrated autopay solution provides you a hassle free service to generate tax returns for your staff
Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions
Up to 140 basis points exchange rate premium for converting major foreign currencies into Hong Kong Dollars
Successfully apply for Commercial World Mastercard and UnionPay RMB Diamond Commercial Card to enjoy the first 2 years’ Annual Fee Waiver and up to $400 Cash Dollars and HKD400 Mannings Cash Vouchers

Settle operating expenses with Commercial World Mastercard online to enjoy up to 2.8%* unlimited rebate

56-day interest-free repayment period. Do business first and pay later.
*2.8% rebate includes 2% Cash Rebate, 0.4% Cash Dollar reward on foreign currency online spending and 0.4% Cash Dollar reward for every spending
People Protection: BUPA Individual Medical Insurance premium discount offer
Provide protection for company’s shareholders, directors, employees and their family members at prevailing preferential offer
Enjoy HKD0 brokerage fee on buy and sell trades of Hong Kong Stocks, SSE and SZSE Securities
50% off on subscription fee for investment funds distributed by Hang Seng Bank
30% off the first year’s handling commission for Bank Guarantee (up to HKD800)
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Got financing needs?
Apply Hang Seng Business Loan online now! Open business account and apply for loan simultaneously to accelerate the loan withdrawal!
  • Fully online application and approval-in-principle result in 3 minutes
  • Overdraft Facility for short-term financial needs
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Digital Convenience
Being secure and reliable, Hang Seng Digital Business Banking is widely trusted as a means to manage business accounts with ease based on your business needs, helping you run your business more efficiently and conveniently.
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Want to know more about how Business e-Banking can help you
enhance your operating efficiency and empower businsses for the better


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Apply Now
Please click the “Live Chat” tab on the right hand side of the screen or

Call us
Business Banking Application Hotline

2198 8022 > language > 1
To borrow or not to borrow? Borrow only if you can repay!
Please visit here for the terms and conditions of the above offers.
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Equip your business with essential services and enjoy offers worth over HKD33,388 !

Free payroll services
Integrated autopay solution provides you a hassle free service to generate tax returns for your staff
Free cheque book service
Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions
Up to 140 basis points exchange rate premium for converting major foreign currencies into Hong Kong Dollars
Successfully apply for Hang Seng UnionPay RMB Diamond Commercial Card and / or Hang Seng Platinum Commercial Mastercard to enjoy the first 2 years’ Annual Fee Waiver and up to HKD800 Cash Vouchers
People Protection: BUPA Individual Medical Insurance premium discount offer
Provide protection for company’s shareholders, directors, employees and their family members at prevailing preferential offer
Investment Services Privileges
Enjoy HKD0 brokerage fee on buy trades of Hong Kong Stocks, SSE and SZSE Securities
50% off on subscription fee for investment funds distributed by Hang Seng Bank
Please visit here for the terms and conditions of the above offers.
To borrow or not to borrow? Borrow only if you can repay!