View details, Up to USD100 rewards exclusive for new Preferred Banking customers (Opens in a new window)

My Privileges

Gain access to a range of exclusive benefits such as Wealth Management products and other services that are designed to suit your needs.

Banking Product Privileges

Investment Fund
  • Fund Subscription Fee Offer1:
    - Bond Funds: net 1.8%
    - Other Funds: net 2.8%
  • Monthly Investment Plan for Funds2
    - Successfully set up Monthly Investment Plan for Fund to enjoy preferential subscription fee offer
Securities Services
  • 500 free real-time quotes of HK Stocks and A shares respectively per month
  • Additional 500 free real-time quotes of HK Stocks / A shares per month for customer with respective HK Stocks / Stock Connect Northbound Securities holdings
  • IPO handling fee waiver for all IPOs of HK stocks subscribed through digital channels 3
  • Hang Seng Invest Express Mobile App4
    You can now trade stocks, subscribe for IPOs and apply for IPO financing with your mobile phone anytime and grasping every stock trading opportunity with one tap.
  • US Stocks Promotion Offer5
    Brokerage fee waiver for the first 30 trades for US stocks transactions conducted through Hang Seng Invest Express Mobile App in the first 3 months after service activation date.
HKD and Foreign Currency Time Deposit6
  • Preferential foreign exchange rates
  • Enjoy preferential interest rates for Time Deposit in designated tenor and amount of new fund balance
Foreign Exchange
  • Preferential foreign exchange rates
  • FX order watch, rate alert service and FX services via H A R O
  • Convenient FX ATM Service to withdraw up to 12 foreign currency notes anytime
Hang Seng MPOWER Card7
  • Both Principal Card and Supplementary Card (if applicable) customers can enjoy perpetual Annual Fee Waiver
  • Successfully apply via online to enjoy welcome offer up to $900 Cash Dollars / 10 MCL Movie tickets
  • Enjoy 5% Cash Dollars rebate on Online, Designated Mobile Payment and Overseas transactions
Secured Overdraft Facility8
  • Interest Rate P+1% p.a.
Unsecured Overdraft Facility9
  • Preferential interest rate
  • First year annual fee waiver and 50% discount of annual fee from the second year onwards
Personal Instalment Loan
  • 0% handling fee
Life Insurance
Insurance Plan Offer
“eCancerPro Insurance Plan” or “eFamilyPro Life Insurance Plan” Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver10
  • Please call our hotline at 2 9 9 8 8 0 3 8 for the plan details and obtaining dedicated promotion code
  • This plan is underwritten by Hang Seng Insurance Company Limited
“eIncomePro Deferred Annuity Plan (100% Guaranteed)”

Plan early for your passive income. Successfully apply for eIncomePro Deferred Annuity Plan (100% Guaranteed) with designated promo code 3ANX10 and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card during promotional period to enjoy 10X Cash Dollars Rebate / yuu Points11


This plan is underwritten by Hang Seng Insurance Company Limited

Other Designed Life Insurance Products Successfully apply designed life insurance product to enjoy first-year premium discount
  • Please visit for details

Join Now

There is no below balance fee for Preferred Banking.

New to Hang Seng?

Open via mobile now i

Apply at branch?

Book now iii

Not an Integrated Account holder?

Open via mobile now ii

Got an Integrated Account?

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i. 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.
ii. Customer must hold at least one Hang Seng Bank account (including passbook and statement savings accounts) and must be aged over 18 and under 65 residing and locating in Hong Kong.
iii. 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.

Important Notes


Investment funds Risk Disclosure:

  • Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read the relevant fund’s offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets) in detail before making any investment decision.

Securities Trading Risk Disclosure:

  • 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 A-shares of Stock Connect Northbound Trading include:
    • Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect / Shenzhen-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong.
    • 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 some stocks are recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, the stocks 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 not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.

Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.


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.

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