Hang Seng Signature

At Hang Seng Bank, Signature is a brand-new, bespoke service experience built around the idea of “Where Experts Meet”. A best-of-the-breed team of experts in wealth management, as well as other specialists, are here to serve you with tailored services and offers.

From 1 October 2022 to 31 December 2022 ("Promotion Period"), new customers1 who join Signature can exclusively enjoy the following fabulous rewards by meeting the respective requirements:

Signature Account Opening Rewards
Signature Exquisite Privileges2
Signature Account Opening Rewards
Signature Exquisite Privileges2
Signature Account Opening Rewards
Signature Exquisite Privileges2
Signature Welcome Rewards
Total Relationship Balance Reward^
Enjoy HKD30,000 Cash Reward by achieving the designated growth amount for the Total Relationship Balance of HKD8,000,000 or above

Time Deposit Offer
Join Signature to enjoy Time Deposit Preferential Interest Rate3
^ To be eligible for the relevant reward, new customers who join Signature must maintain Total Relationship Balance of HKD8,000,000 or above in the second, the third and the fourth months after the month of Signature account opening month.

Investment and Wealth Management Products

  • Subscribe Relevant Investment Products5 to enjoy up to HKD10,000 Cash Rewards4.
    Successfully subscribe for the Relevant Investment Products through any channels of the Bank during the Promotion Period and accumulate designated investment amount can receive the following cash rewards:
    • Investment Funds Distributed by the Bank, Equity Linked Structured Products and/or Secondary Market Bonds
      Accumulated Investment Amount
      (HKD or equivalent)
      Cash Reward
      HKD5,000,000 or above HKD6,000
      HKD1,000,000 to less than HKD5,000,000 HKD1,000

    • MaxiInterest Investment Deposit, Capital Protected Investment Deposit and/or Certificate of Deposit Product
      Accumulated Investment Amount (HKD or equivalent) Cash Reward
      Every HKD5,000,000 HKD400
      (Capped at a maximum of HKD4,000 Cash Reward)
  • Investment Fund Account Opening Offer6
    • Successfully open an Investment Fund Account can enjoy 0% Investment Fund subscription fee offer for the first accumulated HKD500,000 subscription amount made on the first subscription day via any channels within the calendar month of account opening and the subsequent three calendar months
  • Investment Fund Transfer-in Offer7
    • Enjoy a HKD2,000 cash reward for the first HKD500,000 cumulative transfer-in amount of eligible investment fund units, and a HKD800 cash reward for every cumulative transfer-in amount of HKD200,000 after the first HKD500,000, with no cap

Securities Services

New Securities Customers enjoy
  • $0 brokerage fee8 for 3 months for both BUY and SELL trade of HK stock/A shares/US stock
  • Deposit HK stock to receive HKD400 cash reward for every accumulated market value of HKD300,000, capped at a maximum of HKD10,000 cash reward8

Other Offers
  • 0.2% brokerage fee offer for trading HK stocks via any Hang Seng Bank automated trading channels9

Foreign Exchange

  • Exchange designated currencies to enjoy 1-week Time Deposit interest rate of up to 13% p.a.10
  • Exchange designated currencies online to enjoy a 15% FX Spread Discount11

Insurance

  • Enjoy a first-year premium discount upon successful application for any Designated Life Insurance Plan12

Payroll Service

Signature Payroll Service Reward Up to HKD1,300
  • Set up payroll service via newly opened/upgraded Signature account with consecutive payroll record during designated period and fulfil designated payroll amount to enjoy Up to HKD1,300 cash reward13
    Average Monthly Payroll Amount (HKD)
    (“Designated Payroll Amount”)
    Cash Reward (HKD)
    $80,000 or above $1,300
    $50,000 - below $80,000 $800
    $30,000 - below $50,000 $600
Customer Referral Reward14
From now until 31 December 2022, refer your friends and relatives to open new Signature account and transfer-in a designated amount* to enjoy HKD8,000 cash reward, and the referee can enjoy welcome offers of Signature. There is no cap for the referral reward, the more successful referrals, the more reward you can get!
* The referrer must successfully refer a referee to open a new Signature account and referee successfully fulfil the requirement of the welcome offers of Signature and complete the Risk Profiling Questionnaire. Terms and conditions apply. For details, please click “View More”.
A Privileged Experience Like No Other, Exclusively for You.
For enquiry, please feel free to contact your Relationship Manager.
Customer Enquiry  2998 8022
hangseng.com/signature
Customer Enquiry  2998 8022
hangseng.com/signature
Customer Enquiry  2998 8022
hangseng.com/signature
If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
# To borrow or not to borrow? Borrow only if you can repay!
Notes:
  1. New customers refer to those who meet the specific requirements for and who successfully open a Signature account (“Eligible Customers”). For details, please refer to the relevant terms and conditions.
  2. Terms and conditions apply to the offers. For details, please visit hangseng.com/signature/privilege.
  3. Eligible Customers can enjoy preferential interest rate by placing Time Deposit with Eligible New Fund Balance via branch or Phone Banking. For details, please check with our branch staff.
  4. Promotion period from 1 October to 30 December 2022. Relevant Investment Products include Investment Funds Distributed by the Bank, Equity Linked Structured Products, Secondary Market Bonds, Certificate of Deposit Product , MaxiInterest Investment Deposit, and/or Capital Protected Investment Deposit.Applicable to personal customers who newly open a Signature account during the Promotion Period. For details, please refer to the relevant terms and conditions.
  5. “Relevant Investment Products" include Investment Funds Distributed by the Bank, Equity Linked Structured Products, Secondary Market Bonds and Certificate of Deposit Product.
  6. The promotion period of this Investment Fund account (Account suffix 382) Opening offer is from 1 April 2022 to 31 December 2022. Terms and conditions apply to the offer, investment involves risk. For details, please visit hangseng.com/fundoffer.
  7. The promotion period of this offer is from 1 March 2022 to 31 December 2022. Terms and conditions apply to the offer, investment involves risk. For details, please visit hangseng.com/invpromotion
  8. $0 brokerage offer for buy and sell trades of HK stocks/A-shares conducted through our online trading channels in the first 3 months starting from the account opening date up to the designated aggregated transaction amount for new securities customers and that for Signature customers is HKD5,000,000 equivalent. For US stocks, the $0 brokerage offer applies to the first 30 buy and sell trades conducted through Hang Seng Invest Express mobile app in the first 3 months starting from the service activation date. “New Securities Customers” (including all the account holders of the New Securities Account) means customers who must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. Promotion period of these Securities Services offers are from 1 October 2022 to 31 December 2022. Investment involves risks. Terms and Conditions apply to the services and offers. For details, please contact our branch staff or visit hangseng.com/stockoffer.
  9. The promotion period is from 1 January to 31 December 2022. The offer will be effective from the 7th trading day in the next calendar month after customers joining / upgrading to Signature successfully or the 7th trading day in the next calendar month of securities account opening day (whichever is Later). Investment involves risks. Terms and conditions apply. For details, please visit Hang Seng Bank website>Account>Signature.
  10. The promotion period is from 1 October 2022 to 31 December 2022. For exchange of designated currencies and set up of 1-week time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 30 September 2022 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and Conditions apply. For details, please contact our branch staff or visithangseng.com/forexoffer.
  11. The promotion period is from 1 October 2022 to 31 December 2022. For exchange with designated transaction amount. The above FX spread discount offer refers to a reduction of 15% on sales margin normally charged for FX transaction by the Bank. Other mark-up applied to the exchange rate for operational reasons will not be waived. Terms and Conditions apply. For details, please contact our branch staff or visit hangseng.com/forexoffer.
  12. The promotion period is from 3 October 2022 to 30 November 2022. Terms and conditions apply. Please note the relevant product risks. For details, please contact our branch staff.
  13. The promotion period is from 1 October 2022 to 31 December 2022, both dates inclusive. The offer is only applicable to the customers who have no payroll record under any account of the Bank during the period from 1 April 2022 to 30 September 2022, and Customers who successfully set up Payroll Service via the newly opened to Signature account within the designated period, and fulfil designated requirements. The payroll amount must be directly credited to customer’s Payroll Account from the employer's company account via Autopay. Any payroll amount not credited from the employer’s company account is not considered as eligible payroll record. Terms and Conditions apply. For details, please refer to Signature welcome offer terms and conditions.
  14. The promotion period of Customer Referral Reward is from 1 October 2022 to 31 December 2022. Please visit hangseng.com/mgm1 for details.
  15. Terms and conditions apply. Please click here for details.

  • Terms and conditions apply to all products / services and offers mentioned in this material. Please click here for the detailed terms and conditions.
  • The material 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.
  • Terms and conditions apply. Please contact our branch staff for enquiries.
  • Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or terminate these offers and to amend their terms and conditions at any time without prior notice. In the case of any disputes, the decision of the Bank shall be final.
  • The content of this material has not been reviewed by any regulatory authority in Hong Kong.
  • This material is not intended to provide, and shall not be regarded or relied upon as legal or taxation advice, or investment recommendations.
  • The promotion is intended for persons in Hong Kong.

Important Notes


“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.

Life Insurance Plans

The above information is intended as a general summary of information for reference only. Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plans. Please refer to the product brochures for the relevant product risks. The above Life Insurance Plans are 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 Limited ("Hang Seng Bank") is an insurance agent authorized 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.


Risk Disclosure
Risk Disclosure of Investment Fund
  • 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 the relevant fund’s offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets) in detail before making any investment decision. Investors should carefully consider 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 Equity Linked Structured Products
  • Equity Linked Structured Products involve derivatives. The investment decision is yours but you should not invest in an Equity Linked Structured Product unless the intermediary who sells it to you has explained to you that the Equity Linked Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Equity Linked Structured Product is a Complex Product and you should exercise caution in relation to this product. The market value of the Equity Linked 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 Equity Linked Structured Products and carefully study the risk factors set out in the offering documents for the Equity Linked Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked investments. If you purchase the Equity Linked Structured Products, you are relying upon the creditworthiness of the Issuer of Equity Linked Structured Products.
  • Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
  • Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
  • Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.
  • Before making any investment, investors should i) read and fully understand all the offering documents relating to such securities or investments 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.
  • Below are some key risks in trading equity linked structured products linked to US underlyings. This list is non exhaustive and are provided here for your reference only. You should read and understand the risk factors together with the terms and conditions as set out in the relevant offering documents of the equity linked structured products for details.
  • Risks relating to difference in trading days and hours - Trading in each linked stock on the relevant US exchange will be executed during the trading hours of the relevant US exchange, which is located in New York and opens after normal business hours in Hong Kong. You should be aware of the trading hour and time zone difference between Hong Kong and New York in assessing the trading price of the linked stock.
  • Certain information about the linked stock may only be available in English in real time. If you are not proficient in English, you should consider whether the investment in this product is suitable to you, and obtain independent advice where necessary.
  • Reliance on mobile application and our internet banking service in providing information about the linked stock and our external service provider in providing such information - news feeds regarding updated information of the linked stock in English and Chinese are available via the Hang Seng Invest Express mobile application and, if so specified in the relevant term sheet, through our internet banking service.. Such news feeds are provided by the Bank’s external data provider and their availability may be interrupted or suspended due to either the Bank or external data provider’s technical and systematic failures, in which case the availability of such news feeds may be delayed or suspended and you may not be able to have access to such news feeds.
  • United States taxation risk - You should note that United States taxation rules are complex and their application may depend on your particular circumstances, including whether you enter into other transactions with respect to the underlying US stock. In addition, if the U.S. Internal Revenue Service successfully argue that this product is treated as “dividend equivalents”, a withholding tax at a rate of up to 30% is imposed on such payments made to a non-U.S. investor will adversely affect the potential return under the investments. You should, prior to your investment in this product, consult your own tax advisor regarding the application of related legislation arising from your investment.

Important Risk Warning of Bond and 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 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 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 thecurrency risk of RMB.

Risk Disclosure of 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 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 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 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.

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.

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. 


These promotion materials have not been reviewed by the Securities and Futures Commission in Hong Kong ("SFC"). The information contained herein is for general information and reference purposes only and is not intended to provide professional investment or other advice. It is not intended to form the basis of any investment decision. You should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, you should take into account your own circumstances including but not limited to your financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment product. You should obtain appropriate professional advice where necessary.

These promotion materials are not intended to provide or regard as legal or taxation advice, or investment recommendations.

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.