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    Payroll Service

    About Hang Seng PayDay+

    Discover Hang Seng payroll service that meets your everyday banking needs!

    Enjoy PayDay+ welcome offers to earn up to 5% p.a. HKD[1] and foreign currency[2] savings rates, along with credit card, securities and mortgage privileges.

    Switch to PayDay+ now

    Step1:

    Open an account via Hang Seng Mobile App or at a branch via eAppointment service. Learn more

    Scan the QR code to open your account via mobile now

    Scan the QR code to open your account via mobile now

    Step 2:

    Complete the "Notification of Change of Auto-Payroll Account" form and notify your employer to change your payroll account details

    Download the form

    Complete the "Notification of Change of Auto-Payroll Account" form and notify your employer to change your payroll account details

    Download the form

    Reminder: If you need to update your employment information in the future, you can do so via Hang Seng Mobile App / Personal e-Banking website, or at a branch near you. If you haven't opened a Personal e-Banking account yet, please register now!

    Register Personal e-Banking account

    PayDay+ privileges

    Earn More

    Grow your paycheque with our PayDay+ preferential savings rate and make earning easier!

    Make every dollar count! PayDay+ customers can enjoy $0 brokerage fees for buying HK ETFs[3] and US stocks[4], along with a full suite of banking product offers.

    Work hard, travel harder! PayDay+ customers can now enjoy the "Bank's Cost Price" for foreign exchange on JPY / EUR spending using Hang Seng Multi-Currency Debit Mastercard®![5]

    FAQs

    You don't have to open an additional payroll account. Simply notify your employer to credit your salary to your Hang Seng Personal Banking account via Autopay from the company account and maintain an eligible payroll record every month. With an eligible payroll record, you'll become our PayDay+ payroll customer on the 7th working day (excluding Sunday and public holidays) of the following month. Any salary transferred on public holidays or after our bank‘s cut-off time will be processed on the next working day. If this next working day falls in the following month, you'll become our PayDay+ payroll customer on the 7th working day of the subsequent month. Once you become an eligible payroll customer, you will see the designated PayDay+ exclusive label in Personal e-Banking homepage as below. You may contact us for any enquiries.

    An eligible payroll record refers to the HKD salary credited to your Personal Banking account from your employer’s company account via Autopay. Please note, only salary transfer instructions indicated for payroll purposes and recognised by our system as such may be considered eligible records. 

    You can enjoy a wide range of offers to help you reach your financial goals! Please note, certain rewards may have specific salary and account type requirements. New PayDay+ customers may also enjoy welcome offers upon meeting designated requirements. Check out our PayDay+ promotion page for more details.

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    Call us via customer service hotline

    (852) 2822 0228

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    Footnote

    Other point(s) to note

    1. To borrow or not to borrow? Borrow only if you can repay! Investment involves risks. Terms and Conditions apply. 
    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.
    3. Foreign Currency Risk
      Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.
    4. Important Risk Warnings on Securities Service
      • Investors should note that investment involves risks. 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 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 securities via the Stock Connect Northbound Trading include:  
        • 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 a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security 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 note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.  
      • Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements. 

    Remark(s)

    1. The promotion period is from 2 Oct 2025 to 31 Dec 2025, for new eligible payroll customers who register for the offer via Hang Seng Mobile App. The above interest rate is quoted with reference to the interest rates offered by the Bank on 2 Oct 2025, for reference only and not guaranteed. Terms and conditions apply, please visit the promotion page for details.
    2. The promotion period is from 1 Oct 2025 to 31 Dec 2025, for eligible customers with Eligible Incremental Balance of designated currencies. Savings rate is for reference only. Foreign exchange involves exchange rate risk. Terms and conditions apply, please visit the promotion page for details.
    3. From 30 Apr 2025 till 31 Dec 2025, eligible payroll customers with securities account can enjoy $0 brokerage fees for buying HK ETFs which are conducted through our online trading channels. Online trading channels include Hang Seng Mobile App, Personal e-Banking and Hang Seng Invest Express mobile app. HK ETFs refer to all ETFs listed and traded on The Stock Exchange of Hong Kong Limited (“SEHK”). Investment involves risks. Services and offers are subject to the Terms and Conditions, please visit the promotion page for details.
    4. From 30 Apr 2025 till 31 Dec 2025, eligible payroll customers with securities account can enjoy $0 brokerage fees for buying US stocks which are conducted through Hang Seng Invest Express mobile app. Investment involves risks. Services and offers are subject to the Terms and Conditions, please visit the promotion page for details.
    5. The promotion period is from 2 Jul 2025 to 31 Dec 2025. "Bank’s Cost Price" refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. When you make a JPY or EUR spending or withdrawal but have insufficient JPY or EUR funds in the respective account, the relevant transaction amount will then be converted from HKD at the "Bank’s Cost Price" and deducted from your HKD Savings Accounts. Foreign exchange involves exchange rate risk. Terms and Conditions apply.