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    Prestige Banking

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    Open Prestige Banking account now with Hang Seng Mobile App in simple steps

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    Open Prestige Banking account now with Hang Seng Mobile App in simple steps

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    Prestige Club

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    Explore Prestige Banking

    Prestige Club

    Extend your exclusive privileges to your love ones, including travel, journeys, lifestyle, wellness, and legacy planning. Learn more

    Prestige privileges

    A world of birthday delights and banking product privileges in recognition of your elite status. Learn more

    Prestige World Mastercard

    Enjoy buy‑1‑get‑1‑free Michelin dining and travel perks with airport lounge access and airport limousine rides. Learn more

    Multi-Currency Debit Mastercard

    Enjoy $0 fees[1] on foreign currency transactions and cash withdrawals, both locally and overseas. Learn more

    Family support

    All-rounded support catered to the needs of your family. Learn more

    Wealth management

    Professional wealth management team to address your unique wealth management needs. Learn more

    Prestige Club

    Prestigious experiences for you and your family

    Your exclusive privileges become shared moments, enriching life together with those who matter most.

    Learn more

    All-round banking support for your loved ones

    We understand how important family is to you, and that's why we're here to provide you and your loved ones with all-round support via wealth management services catered to the needs of your family.

    Family support

    Family+ sub-account

    How to apply Family+ Account on Mobile App

    How to apply Family+ Account on Personal e-Banking

    You can open up to 4 Family+ sub-accounts to set aside money for different family members or financial goals. As the account holder, you can easily manage all sub-accounts directly at our bank.

    How to apply Family+ Account on Personal e-Banking

    How to apply Family+ Account on Personal e-Banking

    You can open Family+ Account on Hang Seng Mobile App or Personal e-banking.

    Identify your sub-accounts with personalised names

    You can customise your sub-account names[2] based on your needs, so you can recognise each sub-account easily. The personalised names will appear on Personal e-Banking, statements and the bank's communications, making the financial status of every account clear at a glance.

    Tailor-made asset portfolio

    You can allocate different wealth management products[3] like deposits, investment products and foreign currencies according to the objectives of each sub-account, so your family can be well taken care of financially.

    Stay on top of your family finances

    You can simply check your Family+ sub-accounts via Personal e-Banking and consolidated monthly statements. Keeping track of your family finances is that simple and clear.

    Also, you can use your Family+ account for cash withdrawal, instant transfer, and cheque deposit via Hang Seng Mobile App anytime, anywhere.

    Standalone statements

    Each sub-account has a standalone monthly statement for your easy reference, so you can monitor your financial goals easily.

    Family Relationship Manager

    Not only will your dedicated Family Relationship Manager take care of your family's financial needs, but they'll also provide professional insight to help you make suitable wealth management decisions.

    You can speak to your Relationship Manager about the arrangement.

    Extending your Prestige status

    Our Direct Family Service covers your parents, spouse / partner and children[4]. They will be eligible for monthly fee waiver upon joining Prestige Banking, and can enjoy various services and privileges without achieving the Total Relationship Balance.

    Please check with your Relationship Manager for details.

    Wealth management services

    Stay ahead of market moves with personalised strategies built around your goals — whether you are growing your wealth, protecting it, or planning your family's financial future.

    Your Prestige wealth management team is here to help you make informed decisions at every stage of life.

    Our professional wealth management team

    Professional wealth management team in various areas of finance to help you realise your financial goals.

    You can contact your dedicated Relationship Manager through multiple channels via Prestige RM Connect.

    1. Logon to Hang Seng Mobile App, then tap the "Chat/ Help" icon in the top-right corner.
    2. Choose your preferred instant messaging channel.
    3. Follow the on-screen instructions to confirm.

    Services include:

    • Help you plan your wealth and explore suitable management solutions
    • Subscribe for and redeem investment funds, bonds and other wealth management products[5]
    • Complete or update your risk profiling record to understand your risk appetite and investment needs
    • Complete a Financial Health Check to evaluate your financial position and set your goals
    • Provide market information and house views as reference

    Talk to us to manage your wealth anytime via:

    • Click-to-Call (simply tap the phone icon in the top right corner of selected pages after logging on to our Hang Seng Mobile App, no further authentication required); or
    • Live Chat; (Learn more); or
    • Call (852) 2998 9188

    Investment involves risk.

    Get expert guidance across investments, insurance, and mortgages in one place.

    Our team includes Qualified Retirement Advisors, so you can plan every stage of your financial future with confidence.

    Access the latest market insights and professional investment commentary to help you spot opportunities and make well-informed investment decisions. Learn more

    Wealth management at Your fingertips

    Wealth: One-stop wealth management platform

    Overview of asset and currency holdings across all accounts

    Learn more

    Investment Cart: Seamless wealth journey via Hang Seng Mobile App

    Ample time to consider and subscribe to the tailored investment plans[6]

    Wealth Master[7]

    Optimise your asset allocation with award winning portfolio analytic tool

    Learn more

    Goal Planner

    rom children’s education to retirement, plan and track your personal and family goals

    Learn more

    Cross-Border Banking

    Tailor-made for your cross-border financing needs

    Learn more

    Prestige privileges

    Birthday delights

    Let us pamper you on your special day with special privileges. Enjoy one of the complimentary privilege below during your birthday month (Choose 1 out of 5).[8][9]

    • Herbal Deep Purifying Treatment (value at HKD750)
    • High-Pressure Cellular Infusion & Deep Exfoliation Treatment (value at HKD750)
    • Dual Hydrogen Purifying Hair Treatment (value at HKD750)
    • Pain Relief Meridian Therapy 30 – Shoulder & Neck Treatment (value at HKD2,310)
    • Vesta Myofascial Release Therapy (value at HKD2,800)

    Securities

    New Securities Customers Offer[10]

    • Unlimited $0 brokerage fee for BUY & SELL trades of HK stocks/US stocks/A shares via online trading channels in the first 3 months from account opening date
    • Fulfil the Designated Total Relationship Balance Growth Amount of HKD1,000 or above and complete submission of HKIDR consent form (i.e. "Local Securities – Customer Consent" ) can enjoy 8 shares of designated HK stock[11]
    • Enjoy 1 share of designated US stock upon 1 successful execution of buy or sell trade of HK stocks, US stocks or A-shares through online trading channels and securities trading hotline
    • Deposit HK stocks within the designated Deposit Period can enjoy up to $6,000 cash reward

    Other securities offers[10]

    • Please click here to learn more on new and existing securities customers’ offer details.

    Investment fund

    • Existing Investment Fund customers can enjoy the below subscription fee[12].
    Bond Funds Other Funds Index Funds
    Net 1.8% Subscription Fee via any channels Net 2.3% Subscription Fee via any channels Net 1% Subscription Fee via online channels

    Life insurance

    CouponPower Guaranteed Life Insurance Plan

    Successfully apply online with a designated promo code, to enjoy an up to 4.3% guaranteed annualised rate of return[13]

    Apply now
    eFamilyPro Life Insurance Plan

    Successfully apply online with a designated promo code to enjoy an 8-month premium waiver in the first year[22]

    Apply now
    Other designated life insurance products

    Successfully apply for designated life insurance product to enjoy first-year premium discount

    General Insurance

    Insurance plan Offer
    Travelsure Protection Plan (Annual Global Cover)

    Successfully apply for the Travelsure Protection Plan (Annual Global Cover) with designated promotion code during the promotional period [14] to enjoy:

    • 30% first-year premium discount
    • HKD400 e-Gift voucher
    Travelsure Protection Plan (Annual China Cover)

    Successfully apply for the Travelsure Protection Plan (Annual China Cover) with designated promotion code during the promotional period [14] to enjoy:

    • 20% first-year premium discount
    • HKD200 e-Gift voucher
    Home Care Plus Home Insurance Plan

    Successfully apply for the Home Care Plus Home Insurance Plan with designated promotion code during the promotional period [14] to enjoy:

    • 20% first-year premium discount
    • HKD400 e-Gift voucher
    Studysure Protection Plan Successfully apply for the Studysure Protection Plan with designated promotion code during the promotional period [14] to enjoy:
    • 25% first-year premium discount
    • HKD300 e-gift voucher (Essential Plan) / HKD550 e-gift voucher (Supreme Plan)
    • Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. The above general insurance plans are underwritten by Chubb Insurance Hong Kong Limited.

    Deposits service

    Preferential time deposit offer
    • Enjoy preferential interest rates for Time Deposit in designated tenor and amount of Eligible New Fund Balance[15]

    Foreign exchange service

    Exchange a designated currency and set up a time deposit at the same time to enjoy:
    • 1-month time deposit rate up to 4.5% p.a.[16]
    • 1-week time deposit rate up to 17% p.a.[16]

    Secured overdraft facility

    Please click here to learn more details

    Unsecured overdraft facility

    • Perpetual annual fee waiver
    • Preferential interest rate

    Personal instalment loan

    • 0% handling fee

    Please click here to learn more details

    Hang Seng Prestige World Mastercard

    • Enjoy a welcome offer of up to $700 +FUN Dollars
    • Buy-1-get-1-free menu at selected Michelin-starred restaurants
    • Up to 8 worldwide airport lounge accesses per year
    • 2 airport limousine services per quarter
    • Global travel medical coverage up to USD100,000
    • Enjoy preferential prices for medical check-up services at CUHK Medical Centre
    • Personal concierge service
    • Perpetual annual fee waiver for Principal and Supplementary Card customers

    Please click here to learn more details

    Hang Seng Multi-Currency Debit Mastercard

    • Unlimited 0.5% cash rebate on every purchase
    • $0 fees on foreign currency transactions and cash withdrawals [1]
    • Apply for up to 6 supplementary debit cards for family and friends to enjoy the multi-currency experience [23]
    • Earn up to HKD5,410 cash rebate on designated local and overseas merchants [24]

    Handling fee waivers

    • AutoSweeping Service [17][18][19][20]
    • Foreign currency notes exchange
    • Purchase of gift cheques
    • Outward Remittance [21]
    • Set up and amend standing instructions
    • Set up Direct Debit Authorisation
    • Cheque book(s) delivery by courier services

    Handling fee offers

    • Issuance of Cashier's Orders
    • Coins exchange

    Open Prestige Banking account in just a few simple steps with Hang Seng Mobile App. Download now!

    scan to download Hang Seng Mobile App
    Download Hang Seng Personal Banking mobile app on App Store
    Download Hang Seng Personal Banking mobile app on Google Play

    Download Hang Seng Mobile App via APK file

    FAQs

    General questions

    You can enjoy a monthly fee waiver for Prestige Banking when your Total Relationship Balance (TRB) reaches HKD1,000,000 or above in the previous calendar month.

    Your TRB includes:

    • Deposits
    • Gold accounts
    • Securities
    • Investment funds
    • Utilized overdraft facilities
    • Credit card cash advances
    • Outstanding personal loan balances
    • Accumulated premiums for designated life insurance plans distributed by Hang Seng Bank, and your Hang Seng MPF balance
    • For sole name integrated account holders, their other joint name account(s) will also be included

    You may be interested in

    Prestige Private Banking

    Provides you with a wider range of investment solutions designed for Professional Investors.

    Learn more

    Useful information

    Footnote

    *According to a survey conducted by Cimigo Limited between 28th May 2026 and 3rd June 2026, based on the official websites of the 24 licensed banks incorporated in Hong Kong (excluding digital banks) listed on the Hong Kong Monetary Authority website, Hang Seng Bank Limited ranked No. 1 among local retail banks in terms of the number of promotion and complementary product/service privilege categories offered. "Privilege categories" refer to the number of non-banking promotion and complementary product/service privilege categories offered to customers with a Total Relationship Balance exceeding HKD 1 million or HKD 8 million.

    #According to a survey conducted by Cimigo Limited between 19th November 2025 and 9th December 2025, among the 24 licensed banks incorporated in Hong Kong (excluding digital banks) with reference to the list of licensed banks incorporated in Hong Kong published on the official website of the Hong Kong Monetary Authority, Hang Seng Bank Limited offered the No. 1 investment product categories among local retail banks.

    Risk disclosure and other point(s) to note

    1. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please don't share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.
    2. Please read Hang Seng Prestige Terms and Conditions.
    3. For more details about savings account, current account, time deposit account, phone banking service, payment services, etc., please read the Descriptive information of Personal Account Operations
    4. Investors should note that all investment involves risks. Prices of securities and investment products may go up as well as down and may even become valueless. Investors should read in detail the offering documents and the Risk Disclosure Statement of the relevant securities and investment products before making any investment decision. Terms and conditions apply. Please refer to the terms and conditions of respective products on banking products and privileges.
    5. Risk Disclosure of Investment Funds
      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.
      The risks for funds which are index funds include but not limited to:
      • Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index.
      • Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index.
      • Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index.
      • The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
    6. Important Risk Warning of Bond and Certificate of Deposit Product
      • 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)
      • The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs
      • The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment
      • No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar
      • Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard
    7. Risk Disclosure of FX and Precious Metal Margin Trading Services
      • 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.
    8. Risk Disclosure of FX2 - FX and Precious Metal Trading Services
      • The risk of loss in foreign exchange and precious metal trading can be substantial. You may sustain losses in excess 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 may be liable for any resulting deficit in your account. 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 FX2 Trading Contract involves offshore RMB, you will be subject to foreign control and currency risks 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.
    9. Securities Services and Trading Risk Disclosure
      • 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. 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 other 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 ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.
      • Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.ix. 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. 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
    11. IPO Stocks Risk Disclosure
      • Investors should note that all investment involves risks. Prices of securities may go up or down and may even become valueless. Investors should read the relevant prospectus for detailed information about the proposed offer and seriously consider if investment in the relevant shares is suitable for his/her investment needs by reference to his/her financial situation, investment experience, investment objectives and other conditions and needs before deciding whether to invest in the relevant shares. If required, investors should obtain independent legal, financial and other professional investment or other advice before making any investment decision.
    12. Foreign Exchange Risk
      • Foreign currency risk
        Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.
      • 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.
      • Currency conversion risk
        Foreign exchange involves exchange rate risk. The value of your foreign currencies and RMB deposits are subject to exchange rate risk and may result in gains or losses when the exchange rate fluctuates at the time when the transaction amount is debited from your foreign currency or RMB account. It may also result in losses when your foreign currency or RMB account balance is insufficient to pay the transaction amount and need to convert HKD to foreign currency or RMB.
    13. Gold Trading
      • Investment involves risks. Gold price may go up or down and its past performance is not indicative of future performance. The risk of loss in gold trading can be substantial. The relevant product and related documents including risk disclosures should be read in detail before making any investment decision
    14. "MaxiInterest" Investment Deposit
      • “MaxiInterest" Investment Deposit ("MXI") is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in MXI unless the intermediary who sells it to you has explained to you that MXI is suitable for you having regard to your financial situation, investment experience and investment objectives and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the MXI and the relevant offering documents of the MXI (including the full text of the risk factors therein), where necessary, seek independent professional advice, before making any investment decisions.
      • MXI is embedded with FX options. Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and the loss could be substantial.
      • You should note that MXI is not normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
      • Earnings on MXI are limited to the nominal interest payable and it is only payable upon maturity. 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 MXI 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 MXI.
      • You will be relying on the Bank's (as the issuer) creditworthiness. MXI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under MXI, in the worst case scenario, you could suffer a total loss of your investment amount.
      • MXI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
      • Investing in MXI is not the same as buying the linked currency directly.
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MXI involving RMB are subject to the currency risk of RMB.
      • Certain Terms and Conditions (including some of the key dates) of MXI can be adjusted by the Bank in certain circumstances. The MXI may be terminated early by the Bank. This might have a negative impact on the product's return.
    15. Capital Protected Investment Deposit
      • Capital Protected Investment Deposit ("CPI") is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in the CPI 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 and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the CPI and the relevant offering documents of the CPI (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
      • CPI is embedded with FX options. Option transactions involve risks, even when buying an option. The option's value might become worthless if the market moves against your expectation.
      • You should note that CPI is not a normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
      • You should understand that the Principal of the CPI is protected only when it is held to maturity and you will be relying on the Bank's (as the issuer) creditworthiness. CPI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under the CPI, in the worst case scenario, you could suffer a total loss of your investment amount.
      • CPI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
      • Investing in CPI is not the same as buying the Underlying Currency Pair directly.
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the CPI involving RMB are subject to the currency risk of RMB.
      • Certain Terms and Conditions (including some of the key dates) of CPI can be adjusted by the Bank. The CPI may be terminated early by the Bank. This might have a negative impact on the product's Return / Coupon (if any).
    16. Risk Disclosure of Equity Linked Investments ("ELIs")
      • Equity Linked Investments ("ELIs") involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in ELIs 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.
      • ELIs are considered as a complex product and you should exercise caution in relation to ELIs. The market value of the ELIs may fluctuate and you may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of the ELIs and the relevant offering documents of the ELIs (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
      • Liquidity risk - ELIs are designed to be held to its maturity. You may not be able to sell your investment in the ELIs before maturity. If you try to sell the ELIs before maturity, the amount you receive may be substantially less than the investment amount.
      • Credit risk of the ELI issuer - ELIs constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy ELIs, you will be relying on the creditworthiness of the ELI issuer and of no other person. You have no rights under the terms and conditions of ELIs against any issuer of any linked stock. If the relevant ELI issuer becomes insolvent or default on its obligations under the ELIs, in the worst case scenario, you could lose substantial part or all of the capital invested. ELIs may be terminated early by the Issuer.
      • Some ELIs are partially capital protected at maturity provided that you hold the ELIs until maturity and the ELIs are not otherwise early terminated.
      • Investing in ELIs is not the same as investing in the linked reference asset(s) directly.
      • Not covered by the Investor Compensation Fund - ELIs are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
      • The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.
    17. Risk warnings for Structured Notes
      • Structured notes involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in the product 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 and you fully understand and are willing to assume the risks associated with it.
      • Structured notes are considered as a complex product and you should exercise caution in relation to Structured note. The market value of the structured notes may fluctuate and investors may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of structured notes and the relevant offering documents of the structured notes (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
      • Liquidity risk - Investors should be prepared to hold this product until its maturity. If you try to sell the Structured notes before maturity, the amount you receive may be substantially less than the investment amount.
      • Credit risk of the Issuer - structured notes constitute general unsecured and unsubordinated contractual obligations of the Issuer. When you buy structured notes, you will be relying on the creditworthiness of the Issuer and of no other person. You have no rights under the terms and conditions of the structured notes against any issuer of any linked underlying(s). If the Issuer becomes insolvent or default on its obligations under the product, in the worst case scenario, you could lose substantial part or all of the capital invested. The structured notes may be terminated early by the issuer.
      • Some structured notes are 100% capital protected at maturity provided that it is not otherwise early terminated by the Issuer.
      • Investing in structured notes are not the same as investing in the linked reference asset(s) directly.
      • The structured notes are not normal time deposits, and they are not protected by the Deposit Protection Scheme in Hong Kong.
      • Not covered by the Investor Compensation Fund – structured notes are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
      • The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.
    18. Insurance Products
      • Life Insurance Plans
        • The above information is a product summary of information for reference only. These Plans is intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited. Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plan. Please refer to the product brochure for the relevant product risks.
        • The above Life Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are the products of Hang Seng Insurance Company Limited but not Hang Seng Bank. Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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. If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values.
      • Vital Care Voluntary Health Insurance Flexi Plan (No. F00076) is a certified flexi plan under Voluntary Health Insurance Scheme by the Health Bureau of Hong Kong. This plan is underwritten by HSBC Life (International) Limited ("HSBC Life"), which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agency authorised by HSBC Life for the distribution of the above schemes. Subscriptions will be payable to HSBC Life upon enrolment in the above schemes. HSBC Life 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. Medical Concierge Service is provided by HSBC Life. 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 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 HSBC Life and the customer. The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited ("Chubb") which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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 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 contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks.
    19. 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
    20. 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.
    21. Investment Financing
      • Hang Seng Bank Limited reserves the right to suspend or terminate the Investment Financing Service with immediate effect. Customer shall pay interest on the loan amount as prescribed by the Bank. Please refer to Terms and Conditions for details.
      • The Facility is subject to annual review by the Bank. The Bank may (and is not obliged to) renew the Facility as it considers appropriate. The Bank will notify customers using the Facility if it decides not to renew the Facility.
      • Investment Financing involves margin trading and are subject to margin requirements. Investment Financing involves risk relating to margin trading and other significant risks. The Bank has the right to force liquidate your investment holdings (Force Liquidation) without prior notice to you. You should therefore carefully consider whether such a financing arrangement 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 buying and selling investment products.

    Remark(s)

    Unless otherwise specified, the promotion period of the offers mentioned in this marketing material is valid until 31 December 2026. 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.

      • $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
      • For Prestige Debit Card: when withdrawing cash overseas from non-HSBC Group ATM networks, local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.
    2. The information will be displayed in the e-Banking, statement and bank’s communications where applicable. The Bank will not and has no responsibility to verify the information of the registered family members provided, and reserves the right to withdraw the information (for example, if inappropriate information) at any time at its sole discretion without prior notice. The person whose name has been registered under a Family+ Account does not acquire any interests or rights of the Family+ Account nor authorization to operate the Family+ Account. The Bank will not disclose any related account information to any registered family members. You shall be and will be treated as, for all intents and purposes, the holder and beneficiary of the Family+ Accounts, and shall be solely responsible for any liabilities in connection with the Family+ Accounts.
    3. If you are a Prestige Private or Prestige customer, you will enjoy preferential pricing on designated banking products while transacting via Family+ account on designated channels. Please contact your Relationship Manager for more details.
    4. This offer is only applicable to your children aged 18 to 28, until their 29th birthday.
    5. Including Securities Trading, IPOs, Foreign Currency Exchange (FX), FX & Precious Metals Margins, Time Deposits and Gold.
      • Our staff discussed the product features and associated risks with you during the Product Selection Criteria Assessment. Relevant product offering documents have been made available to you.
      • The product selection outcome was based on the information provided by you including your investment preferences, knowledge and experience.
      • The relevant products were added to your Investment Cart upon your request.
    7. Wealth Master aims to help customers understand their asset allocation and facilitate their investment planning to achieve their own financial goals. No asset allocation and/or product recommendation will be made by Hang Seng Bank Limited (the “Bank”). No representation is made to the appropriateness of any of the securities and/or investment products referred to herein for any particular person’s circumstances. The information of Wealth Master is for general reference only and information presented is not indicative of future performance of any assets. There is no guarantee that target portfolio can achieve any results or can be used as reference under any market conditions. Wealth Master does not and is not intended to provide any professional financial, investment or other opinion or advice, nor should it be considered as a recommendation to deal in any investment products, investment portfolio management service or ongoing portfolio monitoring services. No financial or investment decision should be made solely based on Wealth Master (including the results). Investment involves risks (including the possibility of loss of the capital invested). Investors should read in detail of the Risk Disclosure Statement of the relevant investment products
    8. The privilege is provided by Harvard Addhair. Terms and Conditions apply. Please refer to Harvard Addhair Terms and Conditions.
    9. The privilege is provided by New York Musculoskeletal Group. Terms and Conditions apply. Please refer to New York Musculoskeletal Group Terms and Conditions.
    10. The promotion period is from 1 July 2026 to 30 September 2026. All the account holders of the new securities account must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.
    11. For details, please visit hangseng.com/stockoffer. This offer and the provision of the free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. Terms and conditions apply to the offers.
    12. Terms and conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/invfund.
    13. This annualised guaranteed rate of return is subject to payment mode, policy currency and premium discount. Terms and conditions apply to the offer. The reward is subject to a quota. Please note the relevant product risks, credit risks and early surrender loss. This plan is underwritten by Hang Seng Insurance Company Limited. Offer details, please click here.
    14. The promotion period is from 1 July 2026 to 30 September 2026. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the Terms and Conditions of the promotion offer, please visit hangseng.com/gi2.
    15. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    16. The promotion period of this offer is from 1 June 2026 to 30 September 2026​. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 1 June 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
    17. If your HKD Current Account is overdrawn or the line of credit is exceeded, but the daily total overdraft / excess amount is HKD20,000 or below, we'll automatically transfer the required funds from your HKD Savings Account under Integrated Account to your HKD Current Account not later than the following business day. If your daily total overdraft / excess amount is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a 2Way SMS on the execution of the automatic transfer to your local mobile number in our bank record. This service is free of charge. If you don't wish to use it, please call our Customer Service Hotline listed at the back of your ATM card or visit any of our branches to cancel this service.
    18. Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account under the same Integrated Account and subject to the available balance of that savings account.
    19. If the required Auto-sweeping fund transfer is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a SMS to the sole / principal account holder's local mobile number in our bank record. You should follow the instruction in the SMS to confirm the Auto-sweeping fund transfer. Without your reply, we'll execute your Auto-sweeping fund transfer automatically.
      If you haven't provided a local mobile number, or your local mobile number is linked to multiple Integrated Accounts that are eligible for the Auto-sweeping service and the required fund transfers for more than 1 accounts are greater than HKD20,000 but less than or equal to HKD100,000, Auto-sweeping fund transfer will be executed without the delivery of the SMS.
    20. We have the absolute discretion in deciding whether to execute any Auto-sweeping fund transfer as we consider appropriate and aren't liable for any loss incurred by the customer with issues related to the SMS (such as any non-receipt, delay or error).
    21. Prestige Private/ Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Private/ Prestige Banking by Personal e-Banking to mainland China or Macau SAR. Prestige Private/ Prestige Banking customer enjoys a privileged charge HKD230 for the non-domicile currency remittance conducted via Integrated Account of Prestige Private/ 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.
    22. The promotion period is from 1 July 2026 to 30 September 2026. Terms and conditions apply to the offer. Please note the relevant product risks and credit risks and early surrender loss. This plan is underwritten by Hang Seng Insurance Company Limited. For offer details, please visit hangseng.com/efamilypro.
    23. If you are aged 12 or above and have a HKID or passport, you can get a supplementary debit card even if you don't have a Hang Seng account. The primary cardholder needs to submit the request for family or friends via Hang Seng Mobile App.
    24. Promotion period of the offer is from 1 July 2026 to 30 September 2026. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.

    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!