From 1 April 2023 till 30 June 2023, join Prestige Banking and fulfill the designated requirements, can enjoy up to HKD59,300 reward and privileges1.
Welcome reward up to
HKD27,700
Mobile Account Opening / Upgrade reward HKD300
Lifestyle privileges of up to HKD31,300
Rewards and privileges of up to HKD59,300
- Premium discount for the first year upon successful application for any designated life insurance plan with the designated amount.13
- Successfully apply eCancerPro Insurance Plan to enjoy cancer protection and a 9-month premium waiver in the first year with promo code “3SAVC9”.14
- Successfully apply eFamilyPro Life Insurance Plan to enjoy life protection and a 9-month premium waiver in the first year with promo code "3SAVF9".14
- Successfully apply for the eIncomePro Deferred Annuity Plan (100% Guaranteed) with promotional code "3ANX18" and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card to enjoy 18X Cash Dollars Rebate / yuu Points.15
- Enjoy up to HKD10,000 cash voucher15 upon successful application for any Designated Life Insurance Plan
- Successfully apply for designated Life Insurance plan to enjoy the premium discount for the first year15
- Successfully apply for the eCancerPro Insurance Plan or eFamilyPro Life Insurance Plan with designated promotion code to enjoy premium waiver16
- Successfully apply for the eIncomePro Deferred Annuity Plan (100% Guaranteed) with the designated promo code and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card to enjoy extra Cash Dollars Rebate / yuu Points17

Customer Referral Reward
Referral
reward up to
reward up to
HKD10,000
per successful referral
Enjoy referral rewards up to HKD10,000 by referring your family and friends to open designated new account! Click here to learn more!
At Prestige Banking,
we formulate investment and retirement plans for you based on your needs.
we formulate investment and retirement plans for you based on your needs.
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Prestige RM Connect keeps you connected with Relationship Manager
We know that you are busy everyday taking care of your work, your family and so on. So you may not be able to get your banking matters done right away. In light of your needs, we offer Prestige RM Connect## for you to connect with your designated Relationship Manager via WhatsApp, Zoom, WeChat. Choose the digital channel most suitable for you, to subscribe investment product through Investment Cart, get in touch with the status of your product subscription, the latest market information and various banking service details.
##Prestige RM connect covers a variety of digital communication channels and instant messaging software, such as WhatsApp, Zoom and WeChat.
Investment Cart
Seamless wealth management experience from offline to online
Seamless wealth management experience from offline to online
You can now enjoy your seamless offline-online wealth management experience starting with a walk-through of the investment proposals tailored for you by your Relationship Manager. Logon to desktop Personal e-Banking at anytime to review the investment proposals at the newly-added “Investment Cart”, and directly subscribe for the investment products###. The relevant documents can be viewed or downloaded at “My Documents”. Feel free to contact our Relationship Manager to know more.
###Only limited to investment funds classified as non-complex product, which are defined under the SFC's Guidelines on Online Distribution and Advisory Platforms
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Contact our 24-hour Wealth Service Team
Our 24-hour Wealth Service Team is able to reach around the clock via Live Chat or the Prestige Banking hotline. With profound investment and financial knowledge, they can provide you with the latest market analysis and serve you with the trading of funds, bonds and other investment products. Our team will act on your instructions at all times, saving you a branch visit. Just feel free to contact us to manage your finances instantly.
Tailored wealth management solutions from our 200 strong top-notch financial consultant team
Our best-of-the-breed financial consultant team pools together 200 specialists in various disciplines from investment to foreign exchange and insurance. All of them had received professional training to provide you with in-depth market analysis and advice, along with multi-faceted professional support, to take care of your wealth management needs in a holistic manner.
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Retirement formula for you to plan your retirement protection strategy with precision
We can help you work out the mathematics of your post-retirement living expenses with a retirement formula. In line with your expected living standard, a high-end insurance solution will be structured for you to plan your dream life after retirement.
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If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
Remarks:
Enquiry and Trading Hotlines:

Investment involves risk.
^ To borrow or not to borrow? Borrow only if you can repay!
^ To borrow or not to borrow? Borrow only if you can repay!
Remarks:
- The offer includes Welcome reward up to HKD28,000 and Lifestyle privileges value up to HKD31,300.
- The promotion period of “Total Relationship Balance” reward is from 1 April 2023 to 30 June 2023. The offers are only applicable to customers who meet the account opening requirements and have newly opened/upgraded to Integrated Account of Prestige Banking (“Prestige Banking”) at the Bank branches or through digital channels or phone banking hotline during the Promotion Period (the “Eligible Customers”). Eligible Customers must have register for Hang Seng Personal e-Banking within one-month after the Promotion Period (i.e. on or before 31 July 2023) and maintain valid e-Banking account before receiving cash rebate, and complete “Risk Profile Questionnaire” or whose “Risk Profile Questionnaire” record is valid as of 31 July 2023. Terms and Conditions apply. Please refer to the enclosed Terms and Conditions for details.
- Eligible Customers who newly open/upgrade to Prestige Banking can enjoy first 6-month grace period for fund-in without below balance monthly fee. After the first 6- month grace period, the standard monthly fee for Prestige Banking will be applied if the Total Relationship Balance of the previous month is below HKD1,000,000. If the Total Relationship Balance of previous month is below HKD1,000,000 or HKD500,000, monthly fee for Prestige Banking of HKD40 or HKD340 will be applied respectively. For details of the monthly fee, please check with the Bank’s staff.
- Eligible Customers can enjoy preferential interest rate by placing a time deposit with eligible new fund balance via Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App), branch or Phone Banking. Terms and Conditions apply. For details, please visit
.
- The promotion period is from 1 April 2023 to 30 June 2023. Terms and Conditions apply. Please refer to the Terms and Conditions for Payroll Service Offers for Prestige Banking Account for details.
- The Promotion is only applicable to Eligible Customers who successfully receive salary via the sole-named or joint-named newly opened/upgraded Prestige Banking account (“Payroll Account”) within the Promotion Period, and fulfil the following requirements (“Eligible Payroll Customers”):
- Have no payroll record under any account of the Bank during the period from 1 January 2023 to 31 March 2023; and
- Have at least one-month payroll record of HKD30,000 or above in Eligible Customer’s Payroll Account during the period from 1 April 2023 to 31 August 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.
- Each Eligible Payroll Customer is entitled to the Cash Reward once only.
- Eligible Incremental Amount refers to the positive net growth amount of the Eligible Payroll Customer combined total deposit balance of sole-named CNY Savings / Current Deposit Account (“Total CNY Deposit Balance”) from 31 March 2023 (“Baseline Date”) to 30 June 2023 (“Comparison Date”) (“Designated Period”). 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.
- The promotion period is from 1 April 2023 to 30 June 2023. For exchange of designated currencies and set up of 1-week time deposit at the same time with designated transaction amount. The offer’s interest rate is quoted with reference to the interest rates offered by the Bank on 31 March 2023 and is 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 visit
.
- The promotion period is until June 30, 2023. Terms and conditions apply. For details, please visit to Hang Seng Bank Website: Cards > Credit Card Products > Prestige World Mastercard.
- Terms and Conditions apply to the privileges. For details, please visit
.
- Terms and conditions apply. Please refer to
.
- The promotion period is from 1 April 2023 to 30 June 2023. Terms and conditions apply. Please note the relevant product risks. For details, please contact our branch staff or visit
for details.
- eCancerPro Insurance Plan or eFamilyPro Life Insurance Plan: The promotion period is from 1 April 2023 to 30 June 2023. Terms and Conditions apply. Please note the relevant product and credit risks. For details and to obtain promotion code, please contact us at 2998 8038 or please visit
. This plan is underwritten by Hang Seng Insurance Company Limited.
- elncomePro Deferred Annuity Plan (100% Guaranteed): The promotion period is from 1 April 2023 to 30 June 2023. Terms and Conditions apply. Please note the relevant product and credit risks. For details and to obtain promotion code, please contact us at 2198 7838 or please visit
. This plan is underwritten by Hang Seng Insurance Company Limited.
- Promotion period from 1 April 2023 to 30 June 2023. Investment involves risks. Terms and conditions apply to the offer, please enquire the Bank's staff or visit
for details.
- The promotion period is from 1 April 2023 to 30 June 2023. Terms and Conditions apply, investment involves risk, please contact our branch staff or visit
for details.
- The promotion period of this offer is from 1 January 2023 to 31 December 2023. Terms and conditions apply, investment involves risk. Please visit
for details.
- The promotion period is from 3 January 2023 to 30 December 2023. Terms and Conditions apply, investment involves risk, please contact our branch staff or visit
for details.
- Promotion period from 1 April 2023 to 30 June 2023. Terms and conditions apply to the offer, Investment involves risk, please visit
for details.
- Promotion period of these Securities Services offers are from 1 April 2023 to 30 June 2023. “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. Investment involves risks. Terms and Conditions apply to the services and offers. For details, please contact our branch staff or visit
.
- For a full list of Mobile Account Opening eligibility requirements, please visit Hang Seng Bank Website > Banking > Account Opening > Mobile Account Opening > FAQs.
Notes:
- Terms and conditions apply to all products / services and offers mentioned in this document. Please visit here.
- 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.
- Terms and conditions apply. Please approach our branch staff for enquiries.
- 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.
Risk Disclosure of Investment Funds:
Risk Disclosure of Structured Products
Risk Disclosure of Bond and Certificate of Deposit Product:
Risk Disclosure of MaxiInterest Investment Deposit:
Risk Disclosure of Capital Protected Investment Deposit:
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 not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
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:
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.
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 Exchange 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 Notes
Risk Profiling Questionnaire:
The Risk Profiling Questionnaire is provided by 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 authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authoriszed 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.
Other point(s) to note
- 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.
- The risks for funds which are index funds include but not limited to:Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index.Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index.Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index.The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
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 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 the currency risk of RMB.
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 not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
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.
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 Exchange 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 Notes
Risk Profiling Questionnaire:
The Risk Profiling Questionnaire is provided by 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 authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authoriszed 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.
Other point(s) to note
- The related local bank account(s) must be the supporting bank deposit account(s) of Pull Money service. For the latest list of supporting banks of Pull Money service, please log on the Hang Seng Personal Banking mobile app > select “Pull Money” > choose “Add other bank’s account” > view the bank list by pressing “Bank name”. The list of supporting banks will be updated from time to time as necessary.
- FPS is a real-time payment platform provided by Hong Kong Interbank Clearing Limited and “Pull Money” is based on Faster Payment System (FPS) for operation. Terms and conditions apply. To read the latest Terms and Conditions for Faster Payment System, please refer to Part IX of the Account Rules (Browse Hang Seng Bank website > Banking > Banking Overview > More Banking Services > Useful Information > Terms and Conditions for Non-Integrated Account) or Part XIV of the Integrated Account Terms and Conditions (Browse Hang Seng Bank website > Banking > Banking Overview > More Banking Services > Useful Information > Terms and Conditions for Integrated Account).
- 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.
- 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.
- Android, Google Play and the Google Play logo are trademarks of Google LLC.
- 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.