Preferential Pricing

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Integrated Account	Monthly fee waiver⁽¹⁾ during your period of studies and in the first 3 years after graduation
Stock Monthly Investment Plan	Set up a new plan online now and enjoy the First-year Handling Fee Waiver
Stock Quotes	500 free online real-time stock quotes per month⁽²⁾
Travelsure Protection Plans⁽³⁾	Discount offers⁽³⁾
Hang Seng Credit Cards*	Perpetual fee waiver⁽⁴⁾
Exchange / Deposit / Withdrawal of Foreign Currency	Handling fee waiver⁽⁵⁾
Set up / Amendment of Direct Debit Authorisation and Standing Instructions	Handling fee waiver⁽⁶⁾
No-Bounce Cheque / Autopay Protection	Handling fee waiver for protection up to HK$3,500⁽⁷⁾
Purchase of Gift Cheque	50% discount on handling fee
AutoSweeping Service⁽⁸⁾	✔
Currency Switching Service	✔

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No monthly fee and minimum balance requirement
Free upgrade to Preferred Banking upon graduation, with no monthly fee required in the first 3 years

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Existing Customers

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- Notes
- - (1) Upon customer’s graduation, the Integrated Account of Green Banking (“Green Banking”) will be upgraded to Integrated Account of Preferred Banking (“Preferred Banking”) automatically and the monthly fee waiver period will be extended for three years.
    
    Standard monthly fee for Preferred Banking will be applied from the ^{37^th} month after their graduation. Customer can enjoy the monthly fee waiver in the following month if he/ she maintains a monthly Total Relationship Balance of HK$20,000 or above (or its equivalent) and fulfills the designated criteria in the past calendar month. If customer cancels or does not fulfill the designated criteria, the standard monthly fee for Preferred Banking will be applied. For offer details, terms and conditions, please approach the Bank’s staff. The Bank reserves the right to apply the standard monthly fee of Integrated Account upon further notice if the customers continue to hold the said account after the fee waiver period.
  - (2) The real-time quote service is only applicable to Green Banking customers who have successfully opened Securities Accounts with the Bank. Each Hang Seng Personal e-Banking customer is only entitled to ONE real-time quote service plan. All quotes of securities, prices and indexes are for reference only. The Bank and its information providers will make their best endeavours to ensure that the information is accurate, but are not responsible for any damage that may arise as a result of any information inaccuracy or omission. Enquiries for real-time quotes of HK Stocks/ A Shares via Hang Seng Personal e-Banking may be subject to real-time quote service fees. For details, please refer to the fees and charges information of Hang Seng Securities Services Charges (Applicable to Personal Customers).
  - (3) The Travelsure Protection Plan is underwritten by QBE General Insurance (Hong Kong) Limited which is authorized and regulated in Hong Kong by the Insurance Authority. The Bank is an insurance agent authorized by QBE General Insurance (Hong Kong) Limited. For details of the discount offers, please refer to http://www.hangseng.com/travelsure.
  - (4) Customers holding the Green Banking can enjoy the Perpetual Annual Fee Waiver for one Hang Seng Credit Card. The Perpetual Annual Fee Waiver is not applicable to existing Principal Card customers applying for an extra Hang Seng Credit Card. If any customer holds more than one Hang Seng Credit Card, the perpetual annual fee waiver will be applicable to the credit card with the highest annual fee (including Hang Seng Platinum Card, if applicable), but is not applicable to Visa Infinite, World MasterCard, Corporate Cards, Commercial Cards, USD Visa Gold Cards and Private Label Cards. Annual fees already paid will not be reimbursed.
  - (5) Green Banking customers (per account) who withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 1,500 / JPY: 150,000 / Other currencies: 500 units in foreign currency.
  - (6) The offer is applicable to Green Banking Account.
  - (7) Customers' Current Account may enjoy no-bounce cheque and autopay protection of up to HKD3,500, subject to other terms determined by the Bank. An unauthorised overdraft handling fee of HKD120 will be charged and interest will be calculated using the prevailing unauthorised overdraft interest rate. For details, please refer to the relevant Service Directory.
  - (8) If Customer’s HKD Current Account is overdrawn or the line of credit is exceeded (subject to a daily total overdraft / excess amount of HKD20,000 or below), the required funds will be transferred automatically on the next to their HKD Current Accounts. This service is free of charge. If customers wish to terminate this service, they should call 2822 0288 or visit any of our branches to request cancellation of the service.

Terms & Conditions

Specific Terms and Conditions of the Hang Seng Monthly Investment Plan for Stocks – Stock handling fee of as low as HKD0 for the first year with a cap of HKD600
(1)Integrated Account of Green Banking customers (“Eligible Customers”) can enjoy a monthly stock handling fee reduction of up to HKD50 of the relevant Eligible Stock Plan by meeting the following requirements:
· Set up a new Monthly Investment Plan for Stocks through Hang Seng Personal e-Banking by the sub-account of Monthly Investment Plan for Stocks maintained under the New Integrated Account of Green Banking (“Eligible Account”) from 1 April 2019 to 31 December 2019, both dates inclusive (“MIPS Promotion Period”) (“Eligible Stock Plan”), but excluding amendment to any existing Monthly Investment Plan for Stocks, and
· Did not set up and/or cancel any Monthly Investment Plan for the same stock via the same Eligible Account within a period of 3 months preceding the set up date of the relevant Eligible Stock Plan, and
· Successfully pay the required monthly investment amount for the 12 consecutive calendar months immediately following the plan set-up month of the Eligible Stock Plan
(2)Each Eligible Account can only enjoy the offer with one Eligible Stock Plan.
(3)If Eligible Customer terminates the Eligible Stock Plan by oneself or is unable to make contribution within 12 calendar months after making the first investment amount for any reason, this offer will be forfeited. Eligible Customer will not be eligible for this offer again even if he/ she sets up the Monthly Investment Plan for the same stock with the same Eligible Account after termination.

(4)Eligible Customer is required to pay stock handling fee (stock handling fee is equivalent to 0.25% of the monthly investment amount for the Monthly Investment Plan for Stocks, minimum HKD50) with regard to the monthly investment amount of the Eligible Stock Plan first. The handling fee reduction amount entitled ("Reduction Amount") will then be deposited by the Bank as cash rebate into the relevant Hong Kong Dollar (“HKD”) settlement account of the Eligible Account in two phases (please refer to the table below). The maximum stock handling fee reduction is HKD50 per month and thus HKD300 for every 6 consecutive months with successful investment.

	Contribution period	Eligible Stock Plan Setup Date	Credit date for the Reduction Amount	Maximum rebate amount
First phase	Within the first 6 months	1 April 2019 to 30 June 2019	On or before 28 February 2020	HKD300 (HKD50 x 6 months)
		1 July 2019 to 30 September 2019	On or before 31 May 2020
		1 October 2019 to 31 December 2019	On or before 31 August 2020
Second phase	The 7^th to 12^th month	1 April 2019 to 30 June 2019	On or before 31 August 2020	HKD300 (HKD50 x 6 months)
		1 July 2019 to 30 September 2019	On or before 30 November 2020
		1 October 2019 to 31 December 2019	On or before 28 February 2021

(5)Eligible Customers should maintain the relevant Eligible Account, the settlement account of the Eligible Account and the Eligible Stock Plan must still be valid when the cash rebate is credited; otherwise the customer will not be entitled to the cash rebate.
(6)Unless otherwise specified, this offer cannot be used in conjunction with other promotional offers of any similar type of products / services offered by the Bank.
(7)The offer is not applicable to Commercial Banking customers, Private Banking customers, the staff of the Bank and any party who enjoys special privileges and offers.
(8)The Bank reserves the right to suspend, vary or discontinue the relevant reward(s), and amend the terms and conditions for such reward(s) at any time without prior notice. In case of any disputes, the decision of the Bank shall be final.
(9)No person other than the Customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
(10)These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
(11)These Terms and Conditions are subject to prevailing regulatory requirements.
(12)The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.

Investors should note that all investment involves risks. Prices of securities may go up as well as down and may even become valueless. Investors should not only base on this website alone to make any investment decision, but should read in detail the relevant Risk Disclosure Statements.

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Preferential Pricing

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