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Apply Now! Open a Preferred Banking account with relevant transactions to enjoy fabulous welcome offer. Please note that investment involves risks. Terms and conditions apply. You can refer to our branch staff or call our 24-hour Preferred Banking Manned hotline 2822 8228 for details.
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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 Balance5 Requirement
Life Insurance plan6 / Investment account with holding7 / Auto-payroll service through Preferred Banking Account8 HKD20,000
Mortgage-Link Loan Scheme9 HKD50,000

In case your Total Relationship Balance is below HKD200,000 and do not hold the above banking products, no below balance fee will be charged. However, we may convert your Preferred Banking to Integrated Account.

For new customers, you can visit our branches for opening a Preferred Banking account.
New Customer

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For existing customers, you can upgrade your account to Preferred Banking easily via Hang Seng Personal e-Banking.
Existing Customer

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