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Merchant Privileges

As a Preferred Banking customer, you can enjoy the following offers from SmarTone.

5G Student Plan

Monthly Fee: HKD128
  • Local Data Entitlement: 30GB 5G Data and Unlimited Local Data (Up to 1Mbps Speed)
  • 3GB GBA Data per month (mainland China & Macau) or Hang Seng Exclusive: 15GB APAC Roaming Data
  • FREE Data for Zoom/Teams/ Music Streaming and Unlimited Local Voice Mins
  • Port in your number to enjoy HKD18/month admin fee wavier
Monthly Fee: HKD158
  • Local Data Entitlement: 50GB 5G Data and Unlimited Local Data (Up to 1Mbps Speed)
  • 4GB GBA Data per month (mainland China & Macau) or Hang Seng Exclusive: 20GB APAC Roaming Data
  • FREE Data for Zoom/Teams/ Music Streaming and Unlimited Local Voice Mins
  • Port in your number to enjoy HKD18/month admin fee wavier
Monthly Fee: HKD198
  • Local Data Entitlement: 100GB 5G Data and Unlimited Local Data (Up to 5Mbps Speed)
  • 6GB GBA Data per month (mainland China & Macau) or Hang Seng Exclusive: 35GB APAC Roaming Data
  • FREE Data for Zoom/Teams/ Music Streaming and Unlimited Local Voice Mins
  • Port in your number to enjoy HKD18/month admin fee wavier

4.5G Student Basic Plan

  • Monthly Fee: Hang Seng Exclusive: HKD68 (Reference Price: HKD88)
  • Local Data Entitlement: Unlimited Local Data (2Mbps Data Speed)
  • Port in your number to enjoy HKD18/month admin fee wavier

Please click here to know more details.

Banking product privileges

Fund Subscription Fee Offer [1]
  • Bond Funds: net 1.8%
  • Other Funds: net 2.8%
Monthly Investment Plan for Funds [2]
  • Successfully set up Monthly Investment Plan for Fund to enjoy preferential subscription fee offer
  • Real-time Quote Service for HK Stocks/A-shares[3]
    500 free real-time quotes respectively per month. Additional 500 free real-time quotes of HK Stocks / Stock Connect Securities per month for customer with respective holdings
  • IPO handling fee waiver for all IPOs of HK stocks subscribed through digital channels[4]
  • Hang Seng Invest Express Mobile App[5]
    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 Offer[6]
    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
  • Preferential foreign exchange rates[7]
  • Enjoy preferential interest rates for time deposit in designated tenor and amount of new fund balance[7]
  • 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
  • Both principal card and supplementary card (if applicable) customers can enjoy perpetual annual fee waiver[8]
  • Successfully apply via online to enjoy welcome offer up to $700 Cash Dollars / 10 MCL movie tickets[8]. Fulfill the requirements and open a Preferred Banking account successfully can enjoy an extra reward of $200 Cash Dollars.
  • Enjoy up to 5% Cash Dollars rebate with online, designated mobile payment and overseas transactions[8]
  • Interest Rate P+1% p.a.[9]
  • Preferential interest rate[10]
  • First year annual fee waiver and 50% discount of annual fee from the second year onwards[10]
  • 0% handling fee[11]

"eCancerPro Insurance Plan" or "eFamilyPro Life 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 waiver [12]

  • Please call our hotline at (852) 2998 8038 for the plan details and obtaining dedicated promotion code
  • 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 contact our branch staff or visit hangseng.com/lifeinsurance for details

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[13]

Benefits at a glance

Contact us

Call us

24-hour Banking Manned hotline

(852) 2822 8228

Visit our branches

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.
  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 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 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 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 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 not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
  3. Foreign Currency Time Deposit risk
    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 losses in the event that the customer converts his or her deposit into Hong Kong Dollars upon maturity.
  4. Secured Overdraft
    • All asset types must be approved by Hang Seng Bank Limited (“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
    • Hang Seng 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
    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
  6. Please read Hang Seng Preferred Terms and Conditions.

Remark(s)

  1. The promotion period of Designated Investment Fund Subscription Fee Offer is from 1 January 2022 to 31 December 2022. Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invfund.
  2. The promotion period of Monthly Investment Plan for Fund is from 1 January 2022 to 31 December 2022. Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/mipfund.
  3. Starting from 4 July 2022, ETFs are included as eligible securities under Stock Connect according to the joint announcement of the China Securities Regulatory Commission (CSRC) and Hong Kong Securities and Futures Commission (SFC) on 28 June 2022. The information provided in A-shares Express covers mainland listed A shares and ETFs eligible for Northbound trading under Stock Connect.
  4. The promotion period for IPO handling fee waiver is from 1 January 2022 to 31 December 2022.
  5. The mobile app is free of charge, but normal banking and transaction charges may apply on services or transactions via the app. Please refer to the Bank's service charges for details. In addition, customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your mobile network service provider. iOS users can download at Apple App Store and Android OS users can download at Google Play by search of Hang Seng Invest Express.
  6. The promotion period for US Stocks offer is from 1 October 2022 to 31 December 2022. Terms and Conditions apply. For details, please visit hangseng.com/stockoffer.
  7. Please refer to promotion page for the calculation of new fund balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
  8. Terms and Conditions apply to the offer. For details, please visit hangseng.com/mpower.
  9. Terms and conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff.
  10. The offer is only applicable to new customers.
  11. Terms and Conditions apply. For details, please visit hangseng.com/loan.
  12. Terms and conditions apply, please note the relevant product and credit risks.
  13. 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 Preferred 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 (852) 2822 8228 or visit any of our branches to request for cancellation of the service.

Unless otherwise specified, the promotion period of the Offers mentioned above is from 1 October 2022 to 31 December 2022. 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. The life insurance plans mentioned above are underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) which is authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent authorized by Hang Seng Insurance and the insurance products are products of Hang Seng Insurance but not Hang Seng Bank. 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.

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