Unsecured Overdraft Facility
Apply for Unsecured Overdraft Facility to enjoy:
  • First-year Unsecured Overdraft Facility annual fee waiver(1).
  • No cash advance fee required. You can withdraw standby cash by cheque, account transfer or via ATM.
  • Overdraft interest will be charged only on the outstanding amount on a daily basis and the interest rate per annum can be as low as Prime Rate + 4%.
  • Avoid return cheque charges when there are insufficient funds in your current/cheque account.
  • High unsecured overdraft limit up to HKD800,000 or 8 times your monthly salary(2) (whichever is lower). The credit line is on a revolving basis and there is no payment deadline. Minimum monthly repayment is just 3% of the account outstanding balance or HKD100 (whichever is higher).
Prestige Banking customers can enjoy perpetual annual fee waiverCall For Assistance! 28128000
Other Application Channels
  1. 24-hour Personal Loan Application Hotline 2812 8000
  2. Hang Seng Personal Banking Mobile App

Terms and Conditions

  1. (1) The promotion period commences on 1 July 2021 and expires on 31 December 2021, both dates inclusive (the “Promotion Period”). The offers are available to customers who successfully apply for Unsecured Overdraft Facility within the Promotion Period. Signature Banking Customers / Prestige Banking Customers can enjoy perpetual annual fee waiver for the Unsecured Overdraft Facility, while other Integrated Account customers can enjoy first-year annual fee waiver. The first-year annual fee waiver of the Unsecured Overdraft Facility, which ranges from 0.5% to 1% of the overdraft limit, is subject to a minimum of HKD200 and a maximum of HKD800. The second year's annual fee of the Unsecured Overdraft Facility will be charged on the first anniversary of the effective date of the Unsecured Overdraft Facility.
  2. (2) The final approved unsecured overdraft limit is subject to change in accordance with the circumstances of individual cases.
  3. (3) Professionals include: (i) customers with a professional certificate issued by a professional body, including but not limited to doctors, accountants, lawyers, architects, surveyors, engineers and pilots (ii) senior civil servants with Master Pay Scale Point of 34 or above or equivalent. Hang Seng Bank Limited (“Hang Seng”) reserves the right of final interpretation to the definition of "Professionals". Privileged customers include Hang Seng payroll account customers and Hang Seng Mortgage customers. Please contact Hang Seng’s staff for details.
  4. (4) No person other than the Customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
  5. (5) These terms and conditions are subject to prevailing regulatory requirements.
  6. (6) These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  7. (7) Hang Seng reserves the right to terminate or vary the offers and to amend the relevant terms and conditions from time to time.
  8. (8) In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the English version shall apply and prevail.


  • Prime Rate refers to the Hong Kong Dollar Prime Lending Rate as quoted by Hang Seng from time to time.
  • Interest will be calculated on the basis of actual numbers of days elapsed and 365/366-day year.
  • The late charge is HKD100.
  • For details of the service provisions, charges and annual fees of the relevant Integrated Account, please refer to respective leaflets of the corresponding products.
  • The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved. In case of dispute, the decision of Hang Seng shall be final.
To borrow or not to borrow? Borrow only if you can repay!