Preferred Banking

1. Investment Fund
   Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. The risks for funds which are index funds include but not limited to: Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index. Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index. Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index. The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
   
   • Risk Disclosure of SimplyFund Account:
     Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
     Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
     In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.
2. Securities Services
   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. 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 other 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.
3. Currency risk
   
   • 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.
   • 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 subsequently converts the deposits from HKD or foreign currency to another currency.
4. Secured Overdraft
   
   • All asset types must be approved by the Bank. The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time.
   • The Bank reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us.
5. Insurance products
   

   Life Insurance Plans​

   The above information is a product summary of information for reference only. These life insurance plans ("Plans") are intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance. Please refer to the relevant leaflet, factsheet or product brochure for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Plan, and the policy of the relevant Plan shall be considered as final. The Plans are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the Hong Kong SAR. The Bank is an insurance agency authorised by Hang Seng Insurance, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for any of these Plans, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of the Plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and you out of the selling process or processing of the related insurance product transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly. Policyholders are subject to the credit risk of Hang Seng Insurance and early surrender loss. Terms and conditions apply. Please note the relevant product risks. If policyholders surrender the policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of these plans for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.

   
   

   ​General Insurance Plans

   The above general insurance plans are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for the distribution of these plans. These plans are products of Chubb but not the Bank. Upon application for any of these plans, insurance premium will be payable to the respective insurer, and the insurer will provide the Bank with commission and performance bonus as remuneration for distribution of the plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and you out of the selling process or processing of the related insurance product transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the insurance product, underwriting, claims and/or policy service should be resolved between you and either Hang Seng Insurance or Chubb (as the case may be) directly. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks. ​
6. Mortgage
   The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited (“Hang Seng”)
   Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff.
7. Spending Instalment
   If you fail to make full repayment of the statement balance specified in your credit card account statement on or before the payment due date of each month, you shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.
8. Please read Hang Seng Preferred Terms and Conditions.
9. For more details about savings account, current account, time deposit account, phone banking service, payment services, etc., please read the Descriptive information of Personal Account Operations.
10. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

1. Terms and Conditions apply.
2. Please visit Latest Promotion of Securities for the offer terms and conditions.
3. Exchange currencies with as low as USD1 is only applicable to FX Order Watch.
4. The privilege is provided by CUHK Medical Centre. Terms and conditions apply. Please refer to CUHK Medical Centre Terms and Conditions.
5. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Terms and Conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/fundoffer.
6. The promotion period is from 1 Jan 2026 to 31 Dec 2026. Terms and Conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/invfund.
7. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Terms and Conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/mipfund.
8. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Only applicable to Preferred Banking customers who have never opened a SimplyFund Account before, hold a valid Risk Profiling Questionnaire record, successfully register for personal e-Banking​ and have a Total Relationship Balance (“TRB”) of HKD5,000 or above. Investment involves risk. Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/simplyfundpromo.
9. The promotion period is from 1 Jul 2026 to 30 Sep 2026. All the account holders of the new securities account must not hold any securities account (personal / joint) with the Bank within a period of 6 months preceding the account opening date. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.

10. The US stock lucky draw includes the following prizes:​

    • Prize 1: 7 shares of designated US stock, with each prize valued at approximately HKD38,000 (1 winner)​
    • Prize 2: 2 shares of designated US stock, with each prize valued at approximately HKD10,000 (2 winners)​
    • Prize 3: 1 share of designated US stock, with each prize valued at approximately HKD 5,000 (27 winners)
      The approximate value of the stock is calculated based on the closing price on 1 Jun 2026.
11. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. Securities trading hotlines include Automated Securities Trading Hotline and Manned Securities Trading Hotline. This offer and the provision of the free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. Foreign securities carry additional risks not generally associated with securities in the domestic market. There can be no guarantee, and no representation is made, on the performance of the free shares or as to whether losses would be incurred/profit would be made from the free shares. Terms and conditions apply to the offers.
12. The promotion period is from 1 May 2026 to 31 Jul 2026. Enjoy extra 3% p.a. HKD and/or 8% p.a. USD savings rate in the month after buying HK Stocks and/or US Stocks with new funds deposited. The offer is for Eligible Incremental Balance of designated amount in the corresponding currency during designated period. Investment and foreign exchange involve risks. Terms and conditions apply. For details, please visit hangseng.com/stockoffer.
13. The promotion period is from 1 Jan 2026 to 31 Dec 2026. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply.
14. The promotion period is from 1 Jul 2026 to 30 Sep 2026. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.
15. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
16. Promotion is valid until 30 Sep 2026. The FX coupon is applicable to a single foreign currency exchange transaction of HKD1,000 to HKD5,000 (or equivalent) in designated currencies. Bank’s cost price refers to the foreign exchange rate without any sales margin normally charged by the Bank. Any other mark-up applied to the exchange rate for operational reasons will not be waived. Visit hangseng.com/onlinefx for more details. Terms and conditions apply. FX involves risk.
17. The promotion period of this offer is from 1 Jun 2026 to 30 Sep 2026. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 1 Jun 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
18. The offer is valid from now till 31 Dec 2026. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
19. Customers can enjoy up to 7% +FUN Dollars rebate upon registering for Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending of HKD6,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
20. The promotion period for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme is valid from now till 31 Dec 2026.​ Terms and conditions apply. For details, please visit hangseng.com/mmpower.
21. Customers must successfully register for the Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme and accumulate eligible retail spending of HKD3,000 or above with the designated card each month to enjoy up to 8% +FUN Dollars for eligible and designated merchant spending, eligible online entertainment and fashion spending, and up to 4% +FUN Dollars for eligible foreign currency spending. The monthly reward cap is $500 +FUN Dollars. Terms and conditions apply. Please refer to hangseng.com/mmpower for details.
22. a) $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
    b) For Preferred Debit Card: when withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.
23. If you are aged 12 or above and have a HKID or passport, you can get a supplementary debit card even if you don't have a Hang Seng account. The primary cardholder needs to submit the request for family or friends via Hang Seng Mobile App.
24. Promotion period of the offer is now till 30 Sep 2026. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.
25. Terms and conditions apply and the offer is only applicable to new customers. Please visit the Hang Seng website and go to Personal > Loans > Asset Link Secured Overdraft Facility for details.​
26. Terms and conditions apply and the offer is only applicable to new customers. For details, please refer to: Hang Seng website >Personal Banking > Loans > Loan Products > Unsecured Overdraft Facility.
27. Terms and Conditions apply. For details, please visit hangseng.com/loan.
28. Terms and conditions apply. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. Nothing in this document shall be construed as tax or legal advice given by the Bank or Hang Seng Insurance. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at www.ia.org.hk. The tax amount shall be determined by the IRD.
29. This is the return rate of USD plan in annual payment mode with first year premium discount included. The reward is subject to a quota. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss. For details, please visit hangseng.com/ins-discount.​
30. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss. For details, please visit hangseng.com/efamilypro.
31. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Term and conditions apply, please note the relevant product and credit risks. This plan is underwritten by Hang Seng Insurance. For the insurance offer details, please contact our branch staff or visit hangseng.com/lifeinsurance.
32. The promotion period is from 1 Jul 2026 to 30 Sep 2026. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plans are underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion codes. For the Terms and conditions of the promotion offers, please visit hangseng.com/gi.
33. If your HKD Current Account is overdrawn or the line of credit is exceeded, but the daily total overdraft / excess amount is HKD20,000 or below, we'll automatically transfer the required funds from your HKD Savings Account under Integrated Account to your HKD Current Account not later than the following business day. If your daily total overdraft / excess amount is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a 2Way SMS on the execution of the automatic transfer to your local mobile number in our bank record. This service is free of charge. If you don't wish to use it, please call our Customer Service Hotline listed at the back of your ATM card or visit any of our branches to cancel this service.
34. Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account under the same Integrated Account and subject to the available balance of that savings account.
35. If the required Auto-sweeping fund transfer is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a SMS to the sole / principal account holder's local mobile number in our bank record. You should follow the instruction in the SMS to confirm the Auto-sweeping fund transfer. Without your reply, we'll execute your Auto-sweeping fund transfer automatically.
    If you haven't provided a local mobile number, or your local mobile number is linked to multiple Integrated Accounts that are eligible for the Auto-sweeping service and the required fund transfers for more than 1 accounts are greater than HKD20,000 but less than or equal to HKD100,000, Auto-sweeping fund transfer will be executed without the delivery of the SMS.
36. We have the absolute discretion in deciding whether to execute any Auto-sweeping fund transfer as we consider appropriate and aren't liable for any loss incurred by the customer with issues related to the SMS (such as any non-receipt, delay or error).
37. We will update the list of the eligible countries or regions and local currencies from time to time.
38. The actual time required may vary depending on individual circumstances. Mobile Account Opening / Upgrade is not available to customers who only hold Hang Seng joint-named Integrated Accounts or already hold a sole-named Prestige Banking account. Customers holding savings, current, time deposit accounts or any Integrated Accounts who wish to upgrade their accounts with Hang Seng Mobile App shall first register personal e-Banking and log on to the app.
    See how to register for Personal e-Banking
    Customers who are new to Hang Seng can make deposits right away after successful Mobile Account Opening, full banking services (e.g. cash withdrawal from account) will be available after 2 working days and ATM card will be dispatched by mail within 5 working days. If you are existing Hang Seng customers, you can enjoy full banking services right away after successful Mobile Account Opening. If you are upgrading your existing Integrated Account or Preferred Banking account to Preferred or Prestige Banking, your application will be processed within 2 to 3 working days.

Unless otherwise specified, the promotion period of the Offers mentioned above is from 1 Jul to 30 Sep 2026. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein. Terms and conditions apply to all the products / services and privileges mentioned above. For details, please contact our branch staff, refer to the respective flyer or visit hangseng.com. The Bank reserves the right to suspend, vary or terminate the offers and to amend their terms and conditions at any time without prior notice.