From now till 31 Mar 2021, join Signature to enjoy Hong Kong Golf & Tennis Academy (HKGTA) privilege and up to HKD10,000 cash reward by meeting the respective requirements.
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Banking products and privileges
An array of exclusive privileges are offered to Signature customers, acting in concert with the comprehensive suite of wealth management solutions and banking services, to fit every of your needs.
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Wealth management solutions
Bonds
We have a wide variety of bonds available for selection. Bonds are issued by governments, local quasi governmental bodies, supranational entities and corporations. They are available in all major currencies, including Renminbi.
Investment funds
We offer a wide range of products managed by professional fund managers from various fund houses. They cover different asset classes, market segments and risk tolerance levels.
Forex
We support any pairs among 10 currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. We also provide real time market news and commentary.
US Securities
Hang Seng US Securities Trading Service helps you grasp every opportunity to invest. Eligible customers can simply activate an overseas securities sub-account.
Comprehensive Medical Protection
To give you peace of mind, Hang Seng Bank Limited (‘Hang Seng Bank’) and Bupa (Asia) Limited (‘Bupa’) jointly offer Global Infinite Health Insurance Scheme (‘Global Infinite’). Global Infinite is an insurance plan suitable for someone requiring exceptional international health cover and guidance on health and wellbeing. Learn more about our Insurance & MPF services.
Retirement Planning
Hang Seng Insurance Company offers a range of insurance products to help you plan for a carefree retirement life. With flexible payment terms and various policy currencies options, you can enjoy a fruitful life in retirement. Learn more about our Insurance & MPF services.
Legacy Planning
Having worked hard to accumulate the fruits of your success, no doubt you wish to maintain this quality of life for your heirs. We offer you a customised legacy plan that provides comprehensive protection to your loved ones and future generations.
We offer different financing solutions to bring you extra liquidity with a variety products and flexible repayment method, including mortgage, secured overdraft and personal loan.
Personal Concierge
Just one phone call to our Customer Service Hotline puts you in touch with our dedicated team of concierges. They are on hand to provide you with round-the-clock lifestyle, concierge and emergency services.
Travel privileges and protections
Discover the wonders of the world while traveling in total comfort and complete peace of mind.
And there’s more: a whole range of lifestyle and dining privileges are waiting for you. For details, please visit Hang Seng Visa Infinite Card website.
Time Deposit
We offer HKD and other 11 other 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
A 0.2% brokerage fee offer for trading HK stocks via any Hang Seng Bank automated channel.
Fund Subscription Fee Offer[1]:
| Bond Funds | Other Fund Types |
|---|---|
| Net 1.2% Subscription Fee |
Net 1.5% Subscription Fee |
A first year premium discount[2] in successful enrolment in any designated life insurance plan and reaching the designated annualised premium amount.
Designated annual interest rates on New Fund Time Deposit based on deposit amount and tenor[3]
Preferential foreign exchange rates
- Enjoy Mortgage priority approval
- Enjoy mortgage handling fee waivers during loan life, including Prepayment Handling Fee after the designated prepayment period, Change of Loan Terms Handling Fee and Change of Loan Scheme Fee
- Preferential Interest Rate of P-2% p.a.[4]
- Annual fee waiver for the first year[4]
Annual fee waiver for the first 3 years
Handling fee waiver
- Foreign currency notes exchange
- Purchase of Gift Cheques
- Outward Remittance[5]
- Setting up & amendment of Standing Instruction
- Setting up Direct Debit Authorisation
- Cheque book(s) delivery by courier services
- Auto Sweeping Service[6]
50% handling fee discount
- Issuance of Cashier’s Orders / Demand Drafts
- Coins changing
Benefits at a glance
Contact us
- Bond and 3rd party Certificate of Deposit Product
- The information in this webpage is provided for reference only and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. If you have any doubt, you should seek independent professional advice
- Bonds are investment products. The investment decision is yours but you should not invest in a bond unless the intermediary who sells it to you has explained to you that the bond 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
- Investors who purchase bonds are exposed to the credit risk of the issuer and guarantor (if any) of the bonds. 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 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 denominated in RMB are subject to additional risks (such as currency risk)
- The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds.
- Investment funds
- 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.
- Forex 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.
- US Securities risk
- Investors should note that all investment involves risks. Prices of securities may go up as well as down and may even become valueless. Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income of foreign securities may be more volatile and could be adversely affected by changes in many factors. Investors should not only base on this website alone to make any investment decision, but should read in detail the relevant Risk Disclosure Statements.
- 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
- Foreign currency risk
- Insurance products
- Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorized by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited 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 Company Limited and you directly.
- The health insurance 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 exclusive distribution of the above schemes. Subscription 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.
- 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.
- 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.
- All offers are valid until 31 December 2020 unless otherwise specified.
- Please read Hang Seng Signature Terms and Conditions.
Unless otherwise specified, the promotion period of the offers mentioned in this marketing material is valid until 31 March 2021. 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.
- The promotion period of Designated Investment Fund Subscription Fee Offer is from 1 January 2021 to 31 December 2021. Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invoffer.
- Terms and Conditions apply to the offer. Please contact our branch staff for details or visit hangseng.com/lifeinsurance.
- 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.
- Terms and Conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff or visit hangseng.com/assetlink.
- Signature/ Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Signature/ Prestige Banking by Personal e-Banking to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch. 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 / Mainland China / Taiwan / Macau.
- 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 (852)2998 8022 or visit any of our branches to request for cancellation of the service.
To borrow or not to borrow? Borrow only if you can repay!