Compare Accounts - Account - Your Business Essentials - Business Banking Services

Account Status	UpBiz Integrated Account¹	Integrated Business Solutions Account
Account Type	Integrated Account + Trade Account	Integrated Account
Relationship Manager & Trade Advisory Team	✔	✗
Secured Overdraft Facility	✔	✔
AutoSweeping Service	✔	✔
No-Bounce Cheque/Autopay Protection	✔	✔
Monthly Fee	Total Relationship Balance² of HK$2,000,000 equivalent or above; OR Trade Turnover³ of HK$1,000,000 equivalent or above	Total Relationship Balance² of HK$50,000 equivalent or above;
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Note:

Customer must enter or has already entered into Trade Finance General Agreement ("the Agreement") with Hang Seng Bank Limited (the "Bank") to apply the UpBiz Integrated Account status ("UpBiz Integrated Account"). Trade Services are subject to the applicable terms and conditions of the Bank.
The Total Relationship Balance is the monthly aggregate balance of the daily average of customer’s deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances and the outstanding balance of loans (except mortgage loans), trade finance and Hang Seng MPF Balance and the premiums paid for that month for the designated general insurance plans distributed by Hang Seng Bank as an agent.
Trade Turnover is the average monthly total local import and export trade transaction amount performed by the relevant commercial customer with the Bank in the preceding three calendar months.