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Prestige Banking
Diversified Wealth Management Products that Suit Your Needs
From wealth protection to accumulation, we have a broad selection of products for you to harness opportunities and enhance wealth in a financial universe with more possibilities.

 
    • 1.The Service is provided by Hang Seng Bank Limited (the “Bank”) and enables customers to use the advance made by the Bank to apply for subscription of units in another fund (the “New Fund”) before redemption proceeds from the original fund (the “Original Fund”) are deposited into their accounts, regardless of whether the New Fund and the Original Fund are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amount made by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and to pay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to the Investment Fund Account (under the account number suffix of 382) under the Prestige Banking, Preferred Banking and Integrated Account. Customers have to apply for redemption of a fund with redemption proceeds (estimated by the Bank based on the latest available unit price of that fund) of not less than HKD100,000 (or any other amount as specified by the Bank from time to time) in one single transaction. And for any single fund subscription application via the Advanced Switching Service subscribed through Hang Seng Personal e-Banking, the maximum subscription amount is HKD4,000,000 (or any other amount as specified by the Bank from time to time). The Service does not apply to capital guaranteed funds, fund units with no subscription fees (e.g. Class B Units), funds with a dealing frequency that is not daily, hedge funds or other fund transactions as specified by the Bank from time to time. Funds in respect of which the Service is available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions stated in the application form for the Service before applying therefor. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website of the Bank.
      2.Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorized by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) and the product is a product of Hang Seng Insurance but not Hang Seng Bank; and 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 Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng 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. “The health insurance schemes are underwritten by Bupa which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank is an insurance agent authorised by Bupa for the exclusive distribution of the Hang Seng Bupa PreciousHealth Series health insurance schemes and package group schemes. In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.”
      3.Such health check services are provided for insurance applications only and are subject to the relevant underwriting requirements of individual life insurance plans.
      4.The total settlement amount (including brokerage fee, securities deposit charges and any third party transaction charges such as Transaction Levy, Stamp Duty and Trading Fee, etc ) of securities purchased should not exceed customers’ total “Purchasing Power” (including (i) Approved “Share Trading Limit”, (ii) the sale proceeds from securities sold through our Bank and pending for settlement, and (iii) Total available funds of customer’s account. Otherwise, the Bank will not accept the buy orders. Customers should deposit the total settlement amount (including the relevant fees and charges) of the securities purchase orders into the settlement account on or before securities settlement date (i.e. on or before T + 2 days). If customers fail to deposit the required amount on or before securities settlement date, customers are required to pay the interest accrued from the settlement date till full repayment of the outstanding balance (excluding the date of full repayment).
      5.Hong Kong Dollar Current Account and Hong Kong Dollar Savings Account are designated basic accounts for the integrated account service.
      Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision. The contents of this document have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this document. If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice.
      Investors should note that investing in different Renminbi 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)).

Join Now

Upon joining Prestige Banking, you will receive a wealth of welcome privileges and enjoy a 12-month monthly fee waiver1 with an opening Total Relationship Balance2 of as low as HKD500,000.

Apply now to make the prestigious advantages yours!

For new customers, you can visit our branhes for opening a Preferred Banking account.
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For new customers, you can visit our branhes for opening a Preferred Banking account.
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    • 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.
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