Selected customers1 can enjoy the respective cash reward by depositing funds in the HKD and / or USD Eligible Deposit Account2 to meet the required Eligible Incremental Balance3 for the average daily deposit balance, which the cash reward amount can be up to HKD9,0004.
Eligible Incremental Balance Requirement
(HKD or its equivalent)
Cash Reward Entitlement
5,000,000 or above HKD9,000
3,000,000 – below 5,000,000 HKD5,000
1,000,000 – below 3,000,000 HKD2,000
500,000 – below 1,000,000 HKD900
300,000 – below 500,000 HKD500
100,000 – below 300,000 HKD200
Click hereexternal link for the calculation method of the "Eligible Incremental Balance" and an illustrative example
Rewards for Selected Customers
Exclusive Wealth Management Product Offers
investment
Investment
  • Eligible customers who newly opened a SimplyFund Account (Account suffix 384) can get a lucky draw chance to win free Fund Units up to value of HKD20,0005
  • Eligible customers who successfully complete your first fund subscription with the SimplyFund Account via the Hang Seng Personal Banking mobile app, with a subscription amount of HKD3,000 or above can enjoy HKD50 cash reward5
  • Eligible customers whose SimplyFund holdings reach HKD100,000 or above, can enjoy HKD100 cash reward5
  • Enjoy 0% Investment Fund subscription fee offer for the first accumulated HKD100,000 subscription amount made online on the first subscription day upon new Investment Fund account opening (Account suffix 382)6
  • Eligible Customers7 who successfully subscribe for the Relevant Investment Products8 online for the first time with designated investment amount can enjoy extra 6% p.a. interest rate for the first month, capped at a maximum of HKD600 for each of the Relevant Investment Products
insurance
Insurance
  • Enjoy premium discount offer in the first policy year upon successful enrollment of the indicated life insurance plans and reaching designated annualized premium9
  • Successfully apply for the eCancerPro Insurance Plan or eFamilyPro Life Insurance Plan with designated promotion code to enjoy premium waiver10
  • Successfully apply for the eIncomePro Deferred Annuity Plan (100% Guaranteed) with the designated promo code 3IPC10 and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card to enjoy 10X Cash Dollars Rebate / yuu Points^11
securities
Securities
  • New securities customers can enjoy $0 brokerage for buy/sell trades at turnover of up to HKD5,000,000 of HK stocks or Stock Connect Securities in the first 3 months starting from the account opening date12
  • New and existing securities customers can enjoy $0 brokerage for the first 30 US stocks transactions in the first 3 months starting from the activation date of US Securities Trading Service12
  • Deposit HK stocks into your securities account to receive an HKD400 cash reward for every accumulated market value of HKD300,000. A maximum of HKD3,600 cash reward can be earned12
foreign exchange
Foreign Exchange
  • Exchange designated currencies to enjoy 1-week Time Deposit Interest Rate of up to 13.0% p.a.13
remittance
Remittance
  • Remittance fee waiver for designated outward remittance14
payroll
Payroll
  • New payroll customers who fund in HKD20,000 can enjoy USD30 Cash Reward15,16
Preferred Banking Customers who complete Financial Health Check at our Branch for their first time can get HKD100 Cash Coupon17.
For enquires, please call
24-hour Preferred Banking Manned Hotline 2822 8228
app invest
app banking
IMPORTANT RISK DISCLOSURE STATEMENT: Investment involves risks including the possibility of loss of the capital invested. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail of the offering documents and the Risk Disclosure Statement of the relevant investment products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the investment product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Terms and Conditions apply. Please click hereexternal link for details.

^To borrow or not to borrow? Borrow only if you can repay!


Notes:

  1. The promotion period is from 1 April 2022 to 30 June 2022. "Selected Customers" are the personal customers who have received the relevant promotion materials from Hang Seng Bank Limited ("the Bank"). This offer is not applicable to the employees of the Bank.
  2. Eligible Deposit Account(s) include the Hong Kong Dollars (HKD) and/ or US Dollars (USD) Savings / Current Accounts of a Selected Customer in his/ her sole name or in the capacity as the primary account holder in case of a joint account with the Bank.
  3. "Eligible Incremental Balance" means the net growth amount of the average daily deposit balance of the Eligible Deposit Account during the Promotion Period as compared with the deposit balance as of 28 February 2022 (for Eligible Deposit Account in USD, the incremental balance will be calculated in USD first, then converted into its HKD equivalent amount based on the exchange rate solely determined by the Bank on 30 June 2022). All the related account deposit balances shall be based on the records of the Bank.
  4. Each Eligible Customer can enjoy this Offer only once during the Promotion Period, subject to a maximum cash reward of HKD9,000. The cash reward will be credited into the HKD Eligible Deposit Account of each Eligible Customer on or before 31 August 2022. Each Eligible Customer must continue to maintain a valid HKD Eligible Deposit Account by the time the cash reward is credited, or he/ she will be deemed to have forfeited the right to receive the relevant cash reward. For details, please contact our branch staff or visit hangseng.com/depositspromo2.
  5. The promotion period is from 1 April 2022 to 30 June 2022. Applicable to customers who did not perform any transactions in SimplyFund Account during the period from 1 January 2021 to 31 March 2022, or who have newly opened a SimplyFund Account during the Promotion Period. Investments involve risks. Terms and conditions apply to the offer. For the offer details, please contact our branch staff or visit hangseng.com/simplyfundpromo.
  6. The promotion period of this offer is from 1 April 2022 to 31 December 2022. Investments involve risks. Terms and conditions apply to the offer. For details, please visit hangseng.com/fundoffer.
  7. Applicable to customers who is holding a Signature, Prestige Banking, Preferred Banking and Integrated Account Customers and did not conduct corresponding Relevant Investment Products during the period from 1 Jan 2022 to 31 Mar 2022 (subject to the Bank’s records). Investment involves risks. Terms and Conditions apply. For the offer details, please visit hangseng.com/einv.
  8. Relevant Investment Products include any new transactions of equity linked structured products of the Bank, Capital Protected Investment Deposit and/ or MaxiInterest Investment Deposit.
  9. The promotion period is from 1 April 2022 to 30 June 2022. Terms and conditions apply. Please note the relevant product risks. This plan is underwritten by Hang Seng Insurance Company Limited. For the offer details, please contact our branch staff or visit hangseng.com/lifeinsurance.
  10. The promotion period is from 1 April 2022 to 30 June 2022. Terms and Conditions apply. Please note the relevant product risks. For details and to obtain promotion code, please contact us at 2998 8038. This plan is underwritten by Hang Seng Insurance Company Limited.
  11. The promotion period is from 1 April 2022 to 30 June 2022. Terms and Conditions apply. Please note the relevant product risks. This plan is underwritten by Hang Seng Insurance Company Limited. For details, please visit hangseng.com/eincomepro-offer.
  12. The promotion period is from 1 April 2022 to 30 June 2022. New Securities Customers (including all of the account holders of the New Securities Account) must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. Investment involves risk. Terms and conditions apply. For the offer details, please contact our branch staff or visit hangseng.com/stockoffer.
  13. The promotion period is from 1 April 2022 to 30 June 2022. For exchange of designated currencies and set up of 1-week time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 31 March 2022 and are for reference only. The relevant interest rates will be subjected to revision based on the prevailing market conditions. Terms and Conditions apply. For the offer details, please contact our branch staff or visit hangseng.com/forexoffer.
  14. The promotion period is from 1 April 2022 to 30 June 2022. 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. Terms and Conditions apply. For the offer details, please contact our branch staff or visit hangseng.com/forexoffer.
  15. The Hang Seng Payroll Service Promotion is only applicable to Preferred Banking Customers who have no payroll record under any account of the Bank during the period from 1 October 2021 to 31 March 2022 ("Eligible Payroll Customer"). Eligible Payroll Customer who successfully set up Payroll service via their Preferred Banking account ("Payroll Account") within the Designated Period and with incremental deposit balance growth of HKD20,000 by depositing new fund and with at least one payroll record of HKD10,000 or above are entitled to USD30 Cash Reward.
  16. The promotion period is from 1 April 2022 to 31 July 2022. Terms and Conditions apply. For the offer details, please contact our branch staff or visit hangseng.com/payrolloffer3.
  17. Terms and conditions apply. For details, please contact our branch staff.

Reminder:

  • 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 above offers are not and should not be considered as an offer or solicitation to deal in any of the investment products or services mentioned herein. The contents of this marketing material have not been reviewed by any regulatory authority in Hong Kong. This marketing 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.
  • 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.

Risk Disclosure

Investment Funds:

  • 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.

Equity Linked Structured Products:

  • 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.

Bond and 3rd party 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.

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.

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.

Securities Services

Investors should note that investment involves risks and 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 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.


Foreign Exchange:

  1. 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.
  2. 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.

Mortgage

  • The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited ("Hang Seng").
  • Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff.

Secured Overdraft

  • All asset types must be approved by Hang Seng Bank Limited ("the Bank"). The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time.
  • Hang Seng reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us.

Important Notes

Life Insurance Plans:

FortuneLife Deferred Annuity Life Insurance Plan is certified by the Insurance Authority ("IA") as Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of the Plan does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. The product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that only the premium paid net of any marketing offers (e.g. discount, premium waiver, etc.) might be eligible for tax concession and the actual tax benefits of this Policy would depends on personal tax position (e.g. salaries income and assessable profits) and you should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at www.ia.org.hk.


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.