Hang Seng Personal e-Banking

Manage your money with ease

No matter when or where, you can log on to Hang Seng Personal e-Banking via your smartphone or computer to enjoy one-stop online banking services. Register now to manage your finances and enjoy various bank offers at your fingertips. 

Register Personal e-Banking in just 3 steps

Featured services

Service overview


Account services

View your account balance, open or upgrade your account, replace ATM Card and more

Foreign exchange

Provides various services including foreign exchange, FX Order Watch and rate alert

Gold trading

Statement Gold, Passbook Gold and Paper Gold Grain trading

Time Deposit

Place or renew your Hong Kong Dollar / foreign currency time deposits online

e-Statement / e-Advice

View and download e-versions of your statements and advices

Push Notification

Enable push notifications and receive important account updates

Mobile cash withdrawal

Get cash using Hang Seng Mobile App, no ATM card needed

e-Banking account maintenance

Activate Security Device, update personal information and change password

FPS registration and transfer

24/7 instant and free local cross-bank transfer

Overseas transfer

Worldwide transfer services via secured bank-to-bank networks

Cross-Border View and Transfer

Transfer funds among your self-named accounts in Hang Seng Hong Kong and Hang Seng China

Bill Payment and e-bills

Pay bills with your designated bank account or credit card


Trade securities across multiple markets with your Hang Seng securities account[1]

Investment funds

Comprehensive fund choices to meet your investment needs[2]


Start fund investment with HKD 1[2]

Capital Protected Investment Deposit

A currency-linked investment product with 100% capital protection at maturity, and possibility of enjoying higher potential return[2]

MaxiInterest Investment Deposit

Potential to exchange up to 10 different linked currencies at a more preferable rate than spot rate[2]

Equity Linked Investments

An equity-linked structured product with potential to receive return based on performance of linked equities[2]

FX And Precious Metal Margin Trading

Trade at a leverage ratio up to 15 times. Buy & sell foreign currencies and precious metal with trading spread as low as 6 basis points[2]

FX2 - FX and Precious Metal Trading

Trade as low as HKD 5,000. Buy & sell foreign currencies and precious metal amid market ups and downs to capture investment opportunity[2]

Other investment services

Credit card and spending card overview and management

View card balance, transaction history, credit limit, rewards, etc. and complete card repayment, increase card limit and other major card management features

Credit card application

Existing customers can apply credit card easily with most of their personal information prefilled after logon

Credit card Cash Instalment

Cash out from credit card for your flexible use with ease

Overseas ATM daily withdrawal limit maintenance

Activate the function in advance for cash withdrawal at any overseas ATM

Loans overview

View your loan account and balance

Loans application and servicing

Apply loan (or find suitable product with “Find your solution”), submit documents, enquire application status and accept loan (if applicable)

Mortgage overview

View your mortgage loan account and balance, apply for mortgage terms amendment and early settlement for your mortgage loan

Mortgage application and servicing

Find suitable mortgage product with “Find your solution”; instant valuation, mortgage calculator, quick application form and documents submission


Get a quote and apply for travel, life, medical, personal accident and home insurance


View account balance/return, contribution/transaction history, fund performance, e-Statement/e-Advice and change investment allocation


View account balance, portfolio details, contribution history, asset allocation and fund performance

Services available on different platforms may vary, please login to our platforms for details. Read Symbols for different platforms

Hang Seng Personal Banking

Manage your wealth anytime with mobile banking

Service demo


General questions

You will need your account number, Phone PIN / ATM PIN and HKID / Passport / Identification Document number (e.g. Exit / Entry permit for travelling to and from Hong Kong and Macau) to complete the activation process.

Please visit Personal e-Banking logon page, input your username and select "Password" / “Security Device" → "Forgot your password?"

If you have already set up Security Questions in Personal e-Banking, then you can follow the instruction to reset your password online immediately. Otherwise, you can follow the instruction to set up a new password, and activate it by contacting our Customer Service Hotline at (852) 2822 0228 or visit any of our branches.

Once you have downloaded the Hang Seng Personal Banking mobile app on your mobile device, you can log on and select "Settings" from the menu to activate Mobile Security Key. Please note that you need to have a valid and up-to-date mobile phone number and email address in our records in order to activate the Mobile Security Key. Read details

P.P Payment Platform

FPS (Faster Payment System) is a real-time payment platform which allows you to transfer fund anytime with your mobile number, email address and FPS identifier.

Pre-registration is required for payees under Banking and Credit Card Services, Brokers, Other Financial Institutions, and Sports and Leisure. You can submit “Personal e-Banking and Automated Phone Banking Bill Payment Registration / Amendment Form” to our branch or by mail. The form is available at Personal e-Banking by selecting “Customer Services” > “Form Download.”

For other merchants, you can log onto Personal e-Banking and select “Bills and Payments” > “New Payee” to proceed. Mobile Security Key or Security Device is required when conducting bill payments. Besides, you must have maintained a valid mobile number (any local 8-digit mobile number begins with "5", "6", "8" or "9" or overseas mobile number with country / region code specified, (e.g. 8613510123456 for a China mobile number) for receiving SMS alert to perform this type of payments.

View Bill Payment Payee List


Please read our web page about e-Statement / e-Advices services and select "Applicable to e-Statement/e-Advice Service" for details.

Please visit our FAQ page or reach out to our Customer Service Representatives at Customer Service Hotline (852) 2822 0228.
(select preferred language and press 5, 1, 1, 8).

Need more help?

Call us

(General enquiry)
(852) 2822 0228

Call us

(MPF Service)
(852) 2213 2213



  1. Investors should note that all investment involves risks. Prices of securities may go up as well as down and may even become valueless. Investors should not only base on this website alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
  2. The above is a list of the types of investment products and services provided by the Bank for your information, and does not constitute nor is it intended to be construed as any offer, solicitation, or recommendation to deal in any investments. Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or values of investments may go up as well as down and past performance is not indicative of future performance. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Investors should read the relevant investment product or service’s offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.

Other point(s) to note

  1. Minimum specifications for the use of Personal e-Banking 
    For desktops 
    • Internet connection
    • Windows 7 Service Pack 1 (SP1) or above
    • Chrome with JavaScript enabled and 128-bit SSL encryption
    For tablets / mobile handsets 
    • You can access Hang Seng Personal e-Banking not only through your desktop but also through popular tablets and mobile handsets.

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