Integrated Business Solutions Account

Open an account to enjoy remittance, trade and other privileges

Your Priority as a Business Operator:

Managing costs and expenses without spending too much time.

Smart Banking Tips to maximise your IBS:

  • Managing Incoming & Outgoing Funds Effectively

    Inform your business partners about your account information to facilitate payment with downloadable template. You can also enquire status of funds flow through Hang Seng Business e-Banking. 

  • Simplified Expenditure Management – Hang Seng Commercial Card*

    Consolidate company expenses and streamline payment processes effectively with individual and consolidated statements for both your company and the cardholder(s) to facilitate easier tax return preparations. 

  • Save Operation Costs & Enjoy Bonus Interest Rates Online

    Conduct your business transactions via Hang Seng Business e-Banking to enjoy special online preferential handling fees and bonus interest rates to trim your day-to-day operational costs. 


  Via Branch Via Business e-Banking
Overseas Remittance (per transaction) HKD190-HKD270  HKD85-HKD125 
HKD/USD/CNY Local Transfer to Other Banks (per transaction) HKD190 Express Transfer: HKD55
e-transfer: HKD35
Autopay (per instruction) Minimum charge: HKD50 No minimum charge
Place or Renew Time Deposit No prevailing privilege Bonus interest rate

The Bank reserves the right to suspend, revise or cancel the above privileges, revise any fees, charges, special privileges, other services and the related terms and conditions at any time without any prior notice. In case of any disputes, the decision of the Bank shall be final and conclusive.


  • Save Queuing Time at Branches

    Make use of automated self-service channels for local and overseas withdrawals, fund transfers, and cash/cheque deposits to get things done without the need to queue up.

  • Unrivalled Convenience – MTR Branches

    Basic banking services such as deposits, withdrawals, transfers, dropping off of remittance application forms can be done easily at your local MTR branch.


Digital Services

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