Banking products and privileges

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Banking products and privileges

A specially selected suite of banking products and privileges helps you capture investment opportunities quickly and easily.

Want to know more about Prestige Banking?

Wealth management solutions

Investment Fund

Through the Hang Seng Fund SuperMart, you can browse a variety of fund options and access a wide range of fund information, keeping you up to date on the latest global investment trends. And with our Advanced Switching Service, you can capture opportunities swiftly and easily.

 

Foreign currency investments

Provides wide range of foreign currency investment products, including MaxiInterest Investment Deposit, Capital Protected Investment Deposit, FX2 - FX and Precious Metal Trading Services, FX and Precious Metal Margin Trading Services, suit your various investment needs.

Equity Linked Investments

An equity-linked structured product with potential to receive return based on performance of linked equities. With a flexibility to select different tenors and product features, ELIs can be tailored to meet your investment needs.

Bonds & Certificates of Deposit

A wide variety of bonds are available for selection,and with flexible investment tenors, fulfill your investment objective.

Securities Trading Service

Local Securities Trading, US Securities Trading, Stock Connect Northbound Trading (applicable to eligible securities only) and Share Margin Services are available to you. With free stock quotes and our Share Trading Limit Service, you can make the most of our one-stop securities trading platform.

Life Insurance and Retirement Financial Plan

We help you realise your retirement plans by achieving your financial goals. Select the life insurance plan that is right for you, with options for wealth accumulation, life protection or critical illness protection according to your personal needs.

Health Insurance Schemes

We have partnered with Bupa (Asia) Limited, one of the Hong Kong’s leading health insurance specialists, to develop the Global Supreme Health Insurance Scheme and Global Prestige VHIS Plan. The plans provide the HealthPro Concierge Service, the first of its kind in Hong Kong, which gives you access to a range of personal healthcare support delivered by a team of doctors, qualified nurses and health management professionals including a 24-hour Healthline, a personal Care Manager, Healthcare Centre Choices and Appointment Making, Second Medical Opinion, Chronic Conditions Programme, Non-emergency Global Healthcare Support and Mainland China Residents Service.

Planning for Your Children’s Future

A Life Insurance Plan for your children can help safeguard their future.

We offer different financing solutions to bring you extra liquidity with a variety of products and flexible repayment method, including mortgage, secured overdraft and personal loan.

Time Deposit

We offer HKD and other 11 foreign currencies. You can enjoy preferential time deposit rates designed to help grow your wealth.

Transfer and Payment Services

Settle your bill and payment by Faster Payment System (FPS), Personal e-Banking or Direct Debit Authorisation to suit your specific daily needs.

Banking product privileges

HK Stocks & A shares offer
  • 40% discount on securities custody fee
  • 50% discount on deposit charge for buy orders of local securities
  • 1,000 free real-time quotes of HK stocks and A shares per month respectively
  • IPO handling fee waiver for all IPOs of HK stocks subscribed through digital channels [1]
US Stocks Promotion Offers
  • Brokerage fee waiver for the first 30 trades for US stocks transaction conducted through Hang Seng Invest Express mobile app in the first 3 months after service activation date[2]

Fund Subscription Fee Offer[3]:

  • Bond Funds: net 1.8%
  • Other Funds: net 2.3%
eIncomePro Deferred Annuity Plan (100% Guaranteed)

Plan early for your passive income. Successfully apply for eIncomePro Deferred Annuity Plan (100% Guaranteed) with designated promo code 3IPC10 and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card during promotional period to enjoy 10X Cash Dollars Rebate / yuu Point[4]

eCancerPro Insurance Plan 

Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver[5]

  • 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
eFamilyPro Life Insurance Plan

Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver[5]

  • 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 visit hangseng.com/lifeinsurance for details

Designated annualised interest rates on New Fund Time Deposit based on deposit amount and tenor[6]

Preferential foreign exchange rates

Enjoy Prepayment Handling Fee waiver for the first partial repayment after the designated prepayment period

Enjoy interest rate of P-1.5% p.a. in the first year[7]

  • Perpetual annual fee waiver
  • Preferential interest rate
  • Preferential interest rate
  • Handling fee waiver

Banking service privileges

Handling fee waiver
  • AutoSweeping Service[8]
  • Foreign currency notes exchange
  • Purchase of gift cheques
  • Outward Remittance[9]
  • Set up and amend standing instruction
  • Set up Direct Debit Authorisation
  • Cheque book(s) delivery by courier services
50% handling fee discount
  • Issuance of Cashier's Orders / Demand Drafts
  • Coins changing

Benefits at a glance

Contact us

Call us

Prestige 24-hour Prestige Manned Hotline

(852) 2998 9188

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 of fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read the relevant fund’s offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) in detail before making any investment decision
    • If you have any doubt on this material or any offering documentation, you should seek independent professional advice
    • 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. MaxiInterest Investment Deposit
    • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision
    • Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative
    • Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank
    • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
    • Investment in this product is subject to the credit risk of the Bank. Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB
  3. Capital Protected Investment Deposit:
    • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision
    • Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative
    • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
    • Investment in this product is subject to the credit risk of the Bank
    • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB
  4. FX and Precious Metal Margin Trading
    • The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your Account. You should therefore carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives
    • Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB
    • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all
    • 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
    • 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
    • The contents of this webpage have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this webpage
  5. FX2 - FX and Precious Metal Trading Services
    • Foreign exchange and precious metal trading involves a high degree of risk. You may sustain a substantial or even total loss of your initial collateral. Under certain market conditions, you may find it difficult or impossible to liquidate a position of outstanding FX2 Trading Contracts. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit your loss at the designated price. In extreme circumstances whereby the market moves significantly against your positions, you may be required to make additional deposits or interest payments within a short period of time to maintain your positions. If you fail to provide the required deposits or interest payments immediately, your positions under all outstanding FX2 Trading Contracts may be closed out without prior notice. You should therefore carefully consider if foreign exchange and precious metal trading is suitable for you in light of your own financial position and investment objectives
    • Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB
    • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all
    • 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 webpage have not been reviewed by any regulatory authority in Hong Kong. If you are uncertain of or do not understand the nature of and the risks involved in foreign exchange and precious metal trading, you should seek independent professional advice
  6. Equity Linked Structured Products
    • The market value of the Equity Linked Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Equity Linked Structured Products and carefully study the risk factors set out in the offering documents for the Equity Linked Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked investments. If you purchase the Equity Linked Structured Products, you are relying upon the creditworthiness of the Issuer of Equity Linked Structured Products.
    • Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
    • Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
    • Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.
  7. Bonds & Certificates of Deposit
    • Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product
    • Bonds are not deposits and should not be treated as substitute for conventional time deposits
    • Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong
    • Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment
    • Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk)
  8. Securities Service
    • Investment involves risks and the prices of securities may go up or down and may even become valueless. Investors should read the relevant Risk Disclosure Statement and relevant documents before making any investment decision
    • 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 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 A-shares of Stock Connect Northbound Trading include:
      1. Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect/Shenzhen-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong
      2. Once the respective quota is used up, trading will be affected or will be suspended
      3. 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
      4. When some stocks are recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, the stocks can only be sold but NOT bought
      5. Investors will be exposed to currency risk if conversion of the local currency into RMB is required
  9. Share Margin Services
    • The prices of securities fluctuate, sometimes dramatically. Margin trading in securities involves significant risk and losses may exceed the value of your collateral. Contingent orders may not necessarily limit losses as market conditions may make it impossible to execute contingent orders. Additional margin deposits may be required at short notice. Your collateral may be liquidated without your consent and you will remain liable for any resulting deficit in your account. You should therefore carefully consider whether margin trading in securities is suitable for you in light of your own financial position and investment objectives. It is as likely that losses will be incurred rather than profit made as a result of dealing in securities
  10. Foreign Currency Time Deposit risk
    • 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 HKD to foreign currency or vice versa
    • 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
  11. 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
    • Global Prestige VHIS plan, VHIS Certified Plan (No. F00035), is certified by the Food and Health Bureau of Hong Kong.The above schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for the distribution of the above schemes. Subscription/ Premium will be payable to Bupa upon enrolment in the above schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely the sales amount. HealthPro Concierge Service is provided by Bupa. 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 contract terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer
  12. Mortgage
    • The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited (“Hang Seng”)
    • Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff
  13. 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
  14. Please read Hang Seng Prestige Terms and Conditions.

Remark(s)

Unless otherwise specified, the promotion period of the offers mentioned in this marketing material is valid until 30 June 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. Hang Seng Bank Limited (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.

  1. The promotion period for IPO handling fee waiver is from 1 January 2022 to 31 December 2022.
  2. The promotion period for US stocks offer is from 1 April 2022 to 30 June 2022. Terms and condition apply. For details, please visit hangseng.com/stockoffer
  3. 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/invoffer.
  4. Inclusive of the basic 1X Cash Dollars Rebate / yuu Points. Terms and conditions apply. Please visit hangseng.com/eincomepro-offer for more information. To borrow or not to borrow? Borrow only if you can repay!
  5. Terms and Conditions apply. Please note the relevant product risks.
  6. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the above interest rate and exchange rate offers at any time. Before making the relevant transaction, please check with our branch staff for the effective rates applicable to the transaction. The above offers are not applicable to the renewal of time deposit and cannot be used in conjunction with other interest rate or exchange rate offers for the same currency. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts a time deposit from the foreign currency to HKD upon maturity.
  7. Terms and Conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff or visit hangseng.com/assetlink.
  8. 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.
  9. Signature/ Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Signature/ Prestige Banking by Personal e-Banking to Mainland China or Macau SAR. Signature/ Prestige Banking customer enjoys a privileged charge HKD220 for the non-domicile currency remittance conducted via Integrated Account of Signature/ Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong SAR/ Mainland China / Taiwan / Macau SAR.

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!