• 1. Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal e-Banking to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch. Prestige Banking customer enjoys a privileged charge HKD220 for the non-domicile currency remittance via Integrated Account of Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau.
• 2. If the customer's HKD Current Account is overdrawn or the line of credit is exceeded (subject to a daily total overdraft/excess amount of HKD20,000 or below), the required funds will be transferred automatically on the next business day from his/her HKD Savings Account under his/her Prestige Account to his/her HKD Current Account. This service is free of charge. If the customer does not wish to enjoy this service, he/she should call 2998 9188 or visit any of our branches to request for cancellation of the service.

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.

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

Monthly Fee

Customers can enjoy monthly fee waiver for Prestige Banking if the Total Relationship Balance of previous month is at HKD1,000,000 or above. If the Total Relationship Balance of previous month is below HKD1,000,000 or HKD500,000, monthly fee for Prestige Banking of HKD40 or HKD340 will be applied respectively. If an auto-payroll service is set up through Prestige account, a monthly fee waiver will also be entitled with Total Relationship Balance of HKD500,000 or its equivalent³.

• (1) Details please refer to latest welcome offers.
• (2) 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 cards cash advances, outstanding balance of personal loans and accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name integrated account holders, their other joint name account(s) will also be included.
• (3) Please inform your employer to use your Prestige Banking account as your auto-payroll account. As a valid auto-payroll account, integrated account must have auto-payroll transactions for at least two months within the three months period prior to the monthly fee collection date. The monthly fee waiver is applicable to customers who have payroll transactions in HKD only. Please contact our branch staff for offer details and relevant terms and conditions. This offer is subject to change without further notice.

Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or discontinue any offers and services at anytime without further notice. The Bank also reserves the right to revise any interest rates, fees and charges from time to time subject to the Bank’s notice for any such variation. In case of dispute, the decision of the Bank shall be final.