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    Deposit Overview: Stay ahead with every opportunity to grow

    Key features

    View your deposit portfolio in one place

    Get a complete overview of your savings, current, and time deposit accounts, with a clear breakdown of your balances in different currencies at a glance.

    Keep tabs on your saving habits with past balance records

    Visualise your savings and current deposit balance record with interactive charts by currency, so you can review your savings patterns and make timely adjustments.

    Boost your deposits with personalised tips

    Receive tailored tips based on your deposit portfolio and your multi-currency holdings, helping you find new ways to grow and diversify your savings.

    Latest offers

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    Manage your multi-currency deposits in one place with Hang Seng Mobile App. Download now!

    scan to download Hang Seng Mobile App
    Download Hang Seng Personal Banking mobile app on App Store
    Download Hang Seng Personal Banking mobile app on Google Play

    Download Hang Seng Mobile App via APK file

    FAQs

    Popular questions

    After logging on Hang Seng Mobile App, simply tap "Deposits" on the home screen to access Deposit Overview.

    It is the total sum of deposits shown in HKD equivalent across your sole-named and joint-named accounts, for reference, which includes:

    • Savings, current and time deposit accounts (including call deposit accounts, but excluding time deposit accounts set up for Capital Protected Investment (CPI) deposits)
    • All currencies: HKD, CNY and other foreign currencies (except SGD)

    Please note ledger balance may include cheques deposited into the account that haven’t yet cleared for withdrawal and other incoming payments not yet reflected in your available balance. To see the actual amount you can use, check the available balance on the details page for each account.

    This is because your Total deposits amount is based on your ledger balance, not your available balance.

    The ledger balance may include cheques being processed but not yet cleared for withdrawal and other incoming payments not yet reflected in your available balance.

    To see the actual amount you can use, check the available balance on each account’s details page.

    We include deposits held in the following currencies: 

    HKD, USD, CNY, AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, ZAR.

    Amounts are shown in HKD equivalent for reference only. We convert your deposits in different currencies into HKD using our reference exchange rate at the time shown on the page.

    Your "Balance change" is the difference between two things:

    • The balance of your selected currency in the month you've chosen
    • The balance from a past period you've selected under "Compare the balance with past records", i.e. your deposit balance at the end of the last 4 quarters (Mar, Jun, Sep and Dec), with the most recent quarter as the default comparison point

    Yes. The "Total deposits" calculation includes the full balances from any joint-named accounts you hold.

    • Total deposits and your balances by currency: Updated in real time
    • Savings and current deposit balance record:

    Your chosen month

    What you’ll see
    Current month The latest available figure (Please refer to the timestamp)
    Previous months As at the last business day of each month

    You may not be able to see the Deposit Overview due to one of the following reasons:

    • You don't currently have a deposit account with us; or
    • You haven't enabled your online access for your account. Please log on to Personal e-Banking and go to "Settings" > "My profile settings" > "Account List and maintain e-Statement / e-Advice" to update your account's online access settings to include all deposit accounts

    You may not have a deposit balance in the selected currency for that period, or the currency account may not be activated.

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    Footnote

    Remarks

    Risk disclosure(s)

    1. RMB Currency Risk
      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.
    2. Foreign Currency Risk
      Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency , and/or in the event that the customer converts a foreign currency time deposit to another currency (including HKD) upon maturity.