Activate the investment sub-account to enjoy a wide array of investment services. In addition, we offer an extensive range of treasury services to limit your exposure to exchange rate and interest rate fluctuations.

Investment Services

• Securities Services
• Investment Fund Services
• Structured Products
• Capital Protected Investment Deposit
• MaxiInterest Investment Deposit
• FX and Precious Metal Margin Trading Services
• Bond Investment Services
• Certificates of Deposit Services

Treasury Services

• Hedging Products on Foreign Exchange and Interest Rate

Risk Disclosure 
Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Investors should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products before making any investment decision. Capital Protected Investment Deposit and MaxiInterest Investment Deposit are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.

Save administrative time and cost by managing your account via any channel that suits your time and need, anytime and anywhere.

Banking Channels

• Hang Seng Business e-Banking6
• ATM Services⁶
• Deposit Card⁶
• Quick Cheque Deposit Service
• Quick Deposit Service
• Phone Banking⁶

Commercial Card lets you settle business expenses all over the world with flexibility while enjoy a series of comprehensive protection plus superior privileges tailored to the needs of frequent business travellers.

In addition to automated staff salary payments, an integrated autopay solution will help generate tax returns for your staff6.

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.

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.

1. The foreign exchange offer is only applicable to converting HKD to designated foreign currency with Integrated Business Solutions Account or vice versa. Foreign exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the above foreign exchange rate offers at any time. Before making the relevant transaction, please check with our staff for the effective exchange rate applicable to the transaction.
2. Full service waiver applies to the registration fee, annual fee and transaction fee of “Hang Seng autoPay Service” and the first time set-up charge of the Hang Seng AutoPay Service with not more than ten second parties.
3. 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 loan), trade finance and Hang Seng MPF Balance and the premium paid for the designated general insurance plans distributed by Hang Seng Bank as an agent for that month.
4. Please refer to related terms and conditions.
5. AutoSweeping Service is only applicable to a daily total overdraft / excess amount of HKD20,000 or below. If the total overdraft / excess amount on the same day exceeds HKD20,000, even if any one of the cheque / autopay transactions is equal to or below HKD20,000, AutoSweeping Service will not be activated.
6. Customer is required to apply for the above services separately, please contact our staff for details.
7. Free payroll service privileges includes waivers on registration fee, annual fee and transaction fee for "Hang Seng autoPay Service" and charges on first set-up with fewer than ten second parties.