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All your banking needs, on one convenient platform.

Wealth

Manage your portfolio anytime, anywhere.

Protection

Get access to the latest health insurance promotions and get insured with just a few clicks.

It is easy to manage your bill payments, money transfers, credit cards and more via Hang Seng Personal e-Banking.

Go online and manage your bill payments, money transfers, credit cards and more with ease.

- Apply for Credit Facilities anytime, anywhere
- Credit card, personal installment loan, revolving loan and secured overdraft can be done online¹.
  
  Online Mortgage Experience: Instant Valuation, Mortgage Calculator, Quick Apply and Document Upload, all are available online for your own planning.
- Pay and transfer with ease
- Hang Seng P.P (Pay & Paid) payment platform: With the Faster Payment System² (FPS) which enables customers to make instant³ cross-bank transfer at no cost. By connecting your preferred account through FPS via mobile phone number, email address and/or FPS ID without the need to disclose your bank account, the whole payment process is simplified and can be done with convenience and ease.
  
  Paying with your Hang Seng Credit Card using Apple Pay / Android Pay™⁴ makes your payment easier and more secure.
  
  Built-in contactless payment feature with no signature required to enjoy a speedy and convenient payment service
  
  Enjoy Credit Card Online Bill Payment Service via Hang Seng Personal e-Banking:
  
  To settle bills of a host of merchants including public utilities and taxes, etc.
  
  Enjoy an interest-free payment period of up to 56 days
  
  Earn Hang Seng Credit Card Cash Dollars⁵ on your bill payments
- Shop online in a convenient way
- Enjoy Interest-free Instalment Plan and use Cash Dollars as instant cash at selected Online Designated Merchants⁶ with Hang Seng Credit Card
  
  MasterPass™ by MasterCard^® / Visa Checkout provides you a faster and easier online shopping experience

Discover what we prepared for your Privileges

Join Now

Starting from 1 August 2019, there is no below balance fee for Preferred Banking. Enjoy all the privileges and services offered by Preferred Banking for free by simply maintaining a Total Relationship Balance of HKD200,000 or hold the below products:

Product Holdings Required	Total Relationship Balance⁷ Requirement
Life Insurance plan⁸ / Investment account with holding⁹ / Auto-payroll service through Preferred Banking Account¹⁰	HKD20,000
Mortgage-Link Loan Scheme¹¹	HKD50,000

Apply via mobile?

View details*

Apply at branch?

Book now^

Already have an account?

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*Customer must not hold any accounts or products with Hang Seng Bank and must be a permanent resident aged over 18 and under 65 residing and locating in Hong Kong.
^It is only applicable to customers who access it from within Hong Kong. If you have needs in managing wealth across the border, please make an appointment with us.

- Notes
- (1)Online application is subject to different conditions for each product. Please visit product pages above for more details.
  
  (2)FPS (Faster Payment System) is a real-time payment platform which provided by Hong Kong Interbank Clearing Limited.
  
  (3)The service limits to receiving banks that support instant transfer functionality and is subject to the General Terms & Conditions, for details of the General Terms & Conditions, please click here.
  
  (4)Apple Pay, the Apple Logo, Apple Pay, iPhone, Apple Watch, iPad and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Android Pay are trademarks of Google Inc.
  
  (5)For details of using Hang Seng Credit Card to make bill payments and types of bill that are eligible for earning Cash Dollars, please click here
  
  (6)For details, terms and conditions, please visit hangseng.com/cashmerc and hangseng.com/onlinespending.
  
  (7)The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent as well as Hang Seng MPF balance for the customers. For sole-named Integrated Account holders, their other joint-named account(s) will also be included.
  
  (8)The designated life insurance plan must still be valid at each month end. For joint-named Preferred Banking Account, each account holder must hold a valid life insurance plan.
  
  (9)Holdings (include designated Securities or Investment Fund) in the subsidiary Investment Account of Preferred Banking must be transacted at or before month end, and deposited to the account for not less than one day.
  
  (10)As a valid Auto-payroll account, Integrated Account of Preferred Banking must have Auto-payroll transactions for at least two months within the three continuous months' period.
  
  (11)Customers must have a designated HKD savings account, a sub-account under the Preferred Banking Account, is used as the mortgage repayment account under the “HKD Mortgage-Link Loan Scheme” or the “RMB/HKD Mortgage-Link Loan Scheme” to which the preferential interest shall accrue and with the Total Relationship Balance (“TRB”) not less than the designated amount.

Important Notes

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 not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

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

Contact Us
24-hour Preferred Banking Manned hotline 2822 8228
Prestige and Preferred Banking Centers and branches
E-mail us

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