Link
1 days left until this offer expires
Skip to main content

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details, please read our Online Terms & Conditions, Privacy Policy, Cookies Policy and Personal Information Collection Statement.

Personal e-Banking
Personal Stock Trading
Business e-Banking
Hang Seng HSBCnet
System Maintenance Schedule Register e-Banking

Search by category

    Cancel

    Popular searches

    Here are our search suggestions

    Discounts and offers

    I'm looking for

    Merchant Privileges

    As a Preferred Banking customer, you can enjoy the following offers and services.

    Medical

    CUHK Medical Centre: Preferential price for medical check-up services at Wellness Centre[1]

    Preferential price for Health Check Programme for Male and Female

    • Plan C1: HKD2,680 (original price HKD5,615)
    • Plan C2: HKD4,680 (original price HKD7,930)
    • Plan C3: HKD6,480 (original price HKD12,580)

     

    Reservation Details at Wellness Centre

    Address: B11, 11/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 5209 5844

    E-mail: wellness@cuhkmc.hk

    Banking product privileges

    • Customers who newly opened Investment Fund Account can enjoy 0% fund subscription fee offer [2]
    • Existing Investment Fund customers can enjoy the below subscription fee[3]
    Bond Funds Other Funds Index Funds
    Net 1.8% Subscription Fee via any channels Net 2.4% Subscription Fee via any channels Net 1% Subscription Fee via online channels
    Monthly Investment Plan for Funds [4]
    • Successfully set up Monthly Investment Plan for Fund to enjoy preferential subscription fee offer
    SimplyFund Account Offer
    • Customers who newly opened SimplyFund Account and hold a valid Risk Profiling Questionnaire record, successfully register for Personal e-Banking​ and have a Total Relationship Balance of HKD5,000 or above can enjoy free fund units with value of HKD20[5]
    New Securities Customers Offers: [6]
    • Unlimited $0 brokerage fee for BUY & SELL trades of HK Stocks/US Stocks/A shares via online channels in the first 3 months from account opening date
    • Eligible customers who newly open/upgraded to Preferred Banking and meet specific requirement can enjoy 8 units of designated HK ETF
    • Enjoy 1 share of designated US stock upon first successfully buy or sell trade of US stocks, HK stocks or A shares through online trading channels and securities trading hotline[7]
    • Deposit HK stocks within the designated deposit period can enjoy up to $3,600 cash reward
    Other Securities Offers: [8]
    • Buy HK ETF and buy/sell US stock: enjoy extra 4% HK savings rate on new fund deposit
    • 50% off brokerage fee offer for US stocks trading through Hang Seng Invest Express
    • IPO handling fee waiver for all IPOs of HK stocks subscribed through Hang Seng Invest Express or Personal e-Banking
    • 1 year handling fee waiver for setup of new Hang Seng Monthly Investment Plan for Stocks through Personal e-Banking
    Preferential Time Deposit Offer
    • Enjoy preferential interest rates for Time Deposit in designated tenor and amount of Eligible New Fund Balance [9]
    1-week Foreign Currency Time Deposit [10]
    • Exchange foreign currency and set up a 1-week time deposit at the same time to enjoy up to 13.8% p.a.​
    • Enjoy an even higher time deposit rate of up to 15.8% p.a. online​
    1-month Foreign Currency Time Deposit [10]
    • Exchange foreign currency and set up a 1-month time deposit at the same time to enjoy up to 4% p.a.​
    • Enjoy an even higher time deposit rate of up to 4.5% p.a. online
    • Welcome offer up to $700 +FUN Dollars[11]
    • Up to 7% +FUN Dollars for foreign currency spending[12]
    • Welcome offer up to $700 +FUN Dollars [13]
    • Up to 6% +FUN Dollars for overseas foreign currency spending  [13] [14]
    • Up to 5% +FUN Dollars for Online retail spending [13] [14]
    • Up to 1% +FUN Dollars for selected spending categories (Dining (excluding fast food) / Electronics / Entertainment, choose 2 out of 3)  [13] [14]
    • Unlimited 0.4% cash rebate on every purchase
    • $0 fees on foreign currency transaction and cash withdrawal [15]
    • Apply up to 6 supplementary debit cards for family and friends to enjoy the multi-currency experience [16]
    • Earn HK$4,640 cash rebate on designated local and overseas merchants [17]
    • Interest Rate P+1% p.a.[18]
    • Preferential interest rate[19]
    • First year annual fee waiver and 50% discount of annual fee from the second year onwards[19]
    • 0% handling fee[20]
    Insurance Plan
    		 Offer
    • eIncomePro Deferred Annuity Plan (100% Guaranteed)
     
     
     
     
    • CouponPower Guaranteed Life Insurance Plan & 5-Year eEndowment Life Insurance Plans
     
     
    • QuickReward Endowment Life Insurance Plan (1-Year)
     
     
     
    • eFamilyPro Life Insurance Plan

    Upon successful application with an eligible Hang Seng Credit Card and entering the designated promo code “3IPM20”, you can even enjoy up to $2,000 +FUN Dollars or 400,000 yuu Points [21]

     

    Successfully apply for CouponPower Guaranteed Life Insurance Plan or 5-Year eEndowment Life Insurance Plans with a designated amount can get Gold Horse Ornament [22]

     

    Successfully apply for the dedicated life insurance plan with promotion code INCOME to enjoy guaranteed return up to 3.3% [23]

     

     

     

    Successfully apply for the dedicated life insurance plan with promotion code 3KURF8 to enjoy 8 months premium waiver [22]

     

     

    • The above life insurance plan is underwritten by Hang Seng Insurance Company Limited. Please visit hangseng.com/ins-discount for the plan details

     
    Designated Life Insurance Plan
    • Premium discount for the first year upon successful application for any designated life insurance plan with the designated amount [24]
     
    • Enjoy rewards worth up to HKD6,500 and receive the Gold Horse Ornament upon successful application of designated life insurance plan [25]

     

    • Please contact our branch staff or visit hangseng.com/lifeinsurance for details
    Insurance Plan
    		 Offer
    • Travelsure Protection Plan (Annual Global Cover)
     
     
     
     
    • Travelsure Protection Plan (Annual China Cover)

    Successfully apply for the Travelsure Protection Plan (Annual Global Cover) with promotion code HASE23 during promotional period [26] to enjoy:

    • 30% off first-year premium discount
    • HKD400 e-Gift voucher

     

    Successfully apply for the Travelsure Protection Plan (Annual China Cover) with promotion code HASE23 during promotional period [26] to enjoy:

    • 20% off first-year premium discount
    • HKD200 e-Gift voucher
    Home Care Plus Home Insurance Plan

    Successfully apply for the Home Care Plus Home Insurance Plan with promotion code H20HCD1 during promotion period [26] to enjoy:

    • 20% off first-year premium discount
    • HKD300 e-Gift voucher

    Banking service privileges

    Handling fee waiver
    • Foreign currency notes purchase / sale
    • Purchase of Gift Cheques (50% discount)
    • Set up and amend standing instruction
    • Set up Direct Debit Authorisation
    • AutoSweeping Service[27][28][29][30]
    • Overseas transfers in local currency to UK, US, AU, NZ and over 50 designated countries or regions[31] via Global Money+

    Benefits at a glance

    Need help?

    Chat with H A R O

    Get 24/7 support from our Virtual Assistant.

    Start chat

    Call us

    24-hour Banking Manned hotline

    (852) 2822 8228

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Investment Fund
      Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. The risks for funds which are index funds include but not limited to: Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index. Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index. Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index. The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
      • Risk Disclosure of SimplyFund Account:
        Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
        Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
        In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.
    2. Securities Services
      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 ofbuying 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 securities via the Stock Connect Northbound Trading include:
      • 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. 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 a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security 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 note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.
      Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
    3. Currency risk
      • 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.
      • 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 subsequently converts the deposits from HKD or foreign currency to another currency.
    4. Secured Overdraft
      • All asset types must be approved by the Bank. The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time
      • The Bank reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us
    5. Insurance products
      The above life insurance plans are underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance"), which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Insurance reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (Licence No.: FA3168) and authorized by Hang Seng Insurance for the distribution of these plans. These plans are products of Hang Seng Insurance but not the Bank. The above general insurance plans are underwritten by Chubb Insurance Hong Kong Limited (“Chubb”), which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for the distribution of these plans. These plans are products of Chubb but not the Bank. Upon application for any of these plans, insurance premium will be payable to the respective insurer, and the insurer will provide the Bank with commission and performance bonus as remuneration for distribution of the plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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 the Bank and you out of the selling process or processing of the related insurance product transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the insurance product, underwriting, claims and/or policy service should be resolved between you and either Hang Seng Insurance or Chubb (as the case may be) directly. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks.
    6. Please read Hang Seng Preferred Terms and Conditions.
    7. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    1. The privilege is provided by CUHK Medical Centre. Terms and conditions apply. Please refer to CUHK Medical Centre Terms and Conditions.
    2. The promotion period for the subscription fee offer of designated funds is from 1 January 2026 to 31 March 2026. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/fundoffer.
    3. The promotion period is from 1 January 2026 to 31 December 2026. Investment involves risk, terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invfund.
    4. ​The promotion period of Monthly Investment Plan for Fund is from 1 January 2026 to 31 March 2026. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/mipfund.
    5. The promotion period is from 1 January 2026 to 31 March 2026. Only applicable to Preferred Banking customers who have never opened a SimplyFund Account before, hold a valid Risk Profiling Questionnaire record, successfully register for personal e-Banking​ and have a Total Relationship Balance (“TRB”) of HKD5,000 or above. Terms and Conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/simplyfundpromo.
    6. The promotion period is from 1 January 2026 to 31 March 2026, unless otherwise specified. All the account holders of the new securities account must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. For details, please visit hangseng.com/stockoffer and hangseng.com/prfpromo. Investment involves risks. Terms and conditions apply to the offers.
    7. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. Securities trading hotlines include Automated Securities Trading Hotline and Manned Securities Trading Hotline. This offer and the provision of the free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. Foreign securities carry additional risks not generally associated with securities in the domestic market. There can be no guarantee, and no representation is made, on the performance of the free shares or as to whether losses would be incurred/profit would be made from the free shares. Terms and conditions apply to the offers.
    8. The promotion period is from 1 January 2026 to 31 March 2026. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.
    9. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    10. The promotion period of this offer is from 2 January 2026 to 31 March 2026. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 January 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
    11. The offer is valid from now till 31 December 2026. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    12. Customers can enjoy up to 7% +FUN Dollars rebate upon registering for Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending of HKD6,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    13. The promotion period is valid from now till 31 March 2026. Terms and Conditions apply. For details, please visit hangseng.com/mpower. Terms and conditions apply to the Preferred Banking account opening rewards, please visit hangseng.com/prfpromo for details.
    14. Customers can enjoy up to 6% +FUN Dollars upon registering for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending of HKD5,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/mpower for details.
    15. $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. Preferred Banking customers when withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.
    16. If you are aged 12 or above and have a HKID or passport, you can get a supplementary debit card even if you don't have a Hang Seng account. The primary cardholder needs to submit the request for family or friends via Hang Seng Mobile App.
    17. Promotion period of the offer is now till 31 March 2026. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.
    18. Terms and conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff.
    19. Terms and conditions apply and the offer is only applicable to new customers.
    20. Terms and Conditions apply. For details, please visit hangseng.com/loan.
    21. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. Nothing in this document shall be construed as tax or legal advice given by the Bank or Hang Seng Insurance. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at www.ia.org.hk.
    22. The promotion period is from 1 January 2026 to 31 March 2026. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss. For the terms and conditions of the promotion offer, please visit hangseng.com/ins-discount.
    23. This is the return rate of USD plan in annual payment mode with first year premium discount included. The promotion period is from 1 January 2026 to 31 March 2026. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss.
    24. The promotion period is from 1 January to 31 March 2026. Term and conditions apply, please note the relevant product and credit risks. This plan is underwritten by Hang Seng Insurance. For the insurance offer details, please contact our branch staff or visit hangseng.com/lifeinsurance.
    25. Eligible customers who complete the specified requirements for various insurance offers during the promotion period can enjoy rewards of value up to HKD 6,500 (including Exclusive Offer for Life insurance plan of up to HKD4,000 Reward, Foreign Currency Exchange Offer of up to HKD2,000 Cash Reward and Hang Seng World Mastercard Spending Privilege of up to $500 +FUN Dollars Rebate). For details, please refer to hangseng.com/lifeinsurance.
    26. The promotion period is from 1 January 2026 to 31 March 2026. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the terms and conditions of the promotion offer, please visit hangseng.com/gi2.
    27. If your HKD Current Account is overdrawn or the line of credit is exceeded, but the daily total overdraft / excess amount is HKD20,000 or below, we'll automatically transfer the required funds from your HKD Savings Account under Integrated Account to your HKD Current Account not later than the following business day. If your daily total overdraft / excess amount is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a 2Way SMS on the execution of the automatic transfer to your local mobile number in our bank record. This service is free of charge. If you don't wish to use it, please call our Customer Service Hotline listed at the back of your ATM card or visit any of our branches to cancel this service.
    28. Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account under the same Integrated Account and subject to the available balance of that savings account.
    29. If the required Auto-sweeping fund transfer is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a SMS to the sole / principal account holder's local mobile number in our bank record. You should follow the instruction in the SMS to confirm the Auto-sweeping fund transfer. Without your reply, we'll execute your Auto-sweeping fund transfer automatically.
      If you haven't provided a local mobile number, or your local mobile number is linked to multiple Integrated Accounts that are eligible for the Auto-sweeping service and the required fund transfers for more than 1 accounts are greater than HKD20,000 but less than or equal to HKD100,000, Auto-sweeping fund transfer will be executed without the delivery of the SMS.
    30. We have the absolute discretion in deciding whether to execute any Auto-sweeping fund transfer as we consider appropriate and aren't liable for any loss incurred by the customer with issues related to the SMS (such as any non-receipt, delay or error).
    31. We will update the list of the eligible countries or regions and local currencies from time to time.

    Unless otherwise specified, the promotion period of the Offers mentioned above is from 1 January to 31 March 2026. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein. 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.

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