Hang Seng Bank

Investment involves risk (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

Having no clues of what to do with your soon to mature term deposit and lump sum bonus? It's time for Hang Seng Digital Banking to help out! Our comprehensive suite of wealth management solutions allows you to spend and invest wisely according to your financial goals. Choose your most preferred option with just a simple click and you're done! Start investing with your spare money in a fast, secure and easy way today!

Get favorable FX rate1 in our mobile app and withdraw foreign currencies via our ATM with ease!

Fancy traveling if you have spare cash? Try Hang Seng Foreign Exchange Service to trade foreign currency at the Bank's Cost Price2! You can also withdraw foreign currencies from our wide network of FX ATMs! Even if you are not planning for your next trip, you could exchange the foreign currency and place a time deposit to earn the potential interest simultaneously!

Hot picks by Hang Seng Digital Banking

From now to 31 March, you can enjoy the following fabulous offers by completing FX transactions1 via Hang Seng Personal e-Banking or Hang Seng Mobile App:

  • Eligible customers can enjoy Bank's Cost Price2 upon conducting an FX transaction with a designated amount

  • Customers can enjoy 13.9%3 p.a. interest rate upon exchanging for the designated currency and setting up a 1-week time deposit in the same currency

Learn more

Log on to Hang Seng Mobile App / Personal e-Banking > Tap "Foreign Exchange" from the left menu > "Foreign Exchange Service" to exchange foreign currency at a favorable rate right now!

Applicable to phone banking hotline or branch as well. Terms and conditions apply. Investment involves risk.

Capture stable dividend income with Hang Seng Digital Banking

Eager to look for low-risk investment options? Hang Seng Digital Banking has a lot to offer. Subscribe to the Certificates of Deposit online and earn the potential dividend income. Some investment grade Bonds and CDs are generally yielding at over 4% with tenors from 3 months! You may also subscribe to the income fund online to receive monthly interest to diversify your risks!

Exclusive on Hang Seng Digital Banking

From now till 31 March 2023, customers who successfully subscribe to the Certificates of Deposit and Income Fund via Hang Seng Personal e-Banking or Hang Seng Mobile App can get a lucky draw chance to win an HKD10,000 Apple Store Gift Card!

Learn more

Log on to Hang Seng Mobile App / Personal e-Banking > Tap "Investments" from the left menu > to check out Certificates of Deposit and income fund choices

Investment involves risk.

Hang Seng Digital Banking provides you stable return and protection

eIncomePro Deferred Annuity Plan (100% Guaranteed) ("eIncomePro" or "the Plan") is a life insurance plan and is not equivalent or similar to any kind of bank deposit. This product information does not contain the full terms of the policy and the full terms can be found in the relevant policy document. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance"). "eIncomePro" has been certified by the Insurance Authority ("IA") as Qualifying Deferred Annuity Policy ("QDAP"). For more information about "QDAP", please visit the website of Insurance Authority.

QuickReward Endowment Life Insurance Plan (1-Year) is a life insurance plan and is not equivalent or similar to any kind of bank deposit. This product is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance").

As a protection seeker who is looking for increment and extra protection, you may enroll eIncomePro Deferred Annuity Plan (100% Guaranteed)^ to earn 10-year extra fixed income4 (guaranteed internal rate of return of 1.73%-2%5) and life protection. Relevant premiums may be eligible for a tax deduction6 and the maximum limit is HKD60,0007 per assessment year.

You could also apply QuickReward Endowment Life Insurance Plan (1-Year) RMB Policy online with the designated promotion code: REWARD to enjoy a guaranteed return of 2.88%! And the plan provides death benefits and accidental death benefits at the same time.

Exclusive on Hang Seng Digital Banking

Upon successful application of eIncomePro Deferred Annuity Plan(100% Guaranteed), you can enjoy 20X Cash Dollars Rebate / yuu Points8

  • With the designated promotion code: 3ANX20 and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card

  • If you choose to pay an annual premium of HKD 60,000, you can enjoy rewards worth up to HKD4,800. Inclusive of the basic Cash Dollars Rebate / yuu Points

^Apply to customers aged 35-64.

Visit Hang Seng Bank Website to apply online and view details

For details of the plan features and the relevant product and credit risks, please refer to the product brochure. For the terms and conditions of the plan, please refer to the policy.
To fully grasp the advantages of Hang Seng Digital Banking,
visit Smart@Digital Banking | Digital Academy!
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Hang Seng Digital Banking

awarded as the Best Mobile Banking in Asia Pacific and the Best Digital Banking in Hong Kong *

*Won the "Outstanding Digital Banking Service" from Capital Outstanding eCommerce Awards by Capital in 2022, the "Outstanding Digital Banking Service" in 2021 & 2022 and "FinTech of the Year 2021" from the FinTech Awards by ET Net in 2022, the "Best Mobile Banking Application" from Excellence in Retail Financial Services Awards and "Best Digital/Mobile Banking Service in Hong Kong" by The Asian Banker in 2020 and 2021 respectively.

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Information Disclosure

The above information is intended as a general summary of information and is for reference only. Please refer to the relevant leaflet or factsheet for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Life Insurance Plan, and the policy of the relevant Life Insurance Plan shall be considered as final.

The above Life Insurance Plan is 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 is an insurance agent authorised 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.

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. All details regarding policy surrender should be referred to the relevant policy provisions.

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

Remark(s):

  1. Applicable currencies include USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, THB, ZAR and SGD, whereas SGD exchange service is available in branch only. Not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, foreign exchange transaction(s) via Passbook Savings Account and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).

  2. "Bank's Cost Price" refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. This offer is subject to review according to fluctuations on market interest rates, currency rates, customers' trading patterns and other factors from time to time. The Bank reserves the right to change the interest rate of this offer at any time without prior notice. In case of disputes, the decision of the Bank on the customer's eligibility to enjoy this offer shall be final.

  3. For exchange of designated currencies and set up of 1-week time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 3 January 2023 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.

  4. Monthly Guaranteed Annuity Income is payable on each monthiversary starting from the commencement date of the Annuity Period. The Monthly Guaranteed Annuity Income will be directly deposited into the designated Hang Seng Bank saving account. Annuity Period refers to the period during which Monthly Guaranteed Annuity Income is payable. The Annuity Period of "eIncomePro" is 10 years.

  5. IRR depends on your chosen accumulation period and payment mode.

  6. eIncomePro is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product's QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that only the premium paid net of any marketing offers (e.g. discount, premium waiver, etc.) might be eligible for tax concession and the actual tax benefits of this Policy depend on your personal tax position (e.g. salaries income and assessable profits) and you should always consult a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at the website of Insurance Authority.

  7. Assumptions:

    • You are a Hong Kong taxpayer having income chargeable to tax;
    • Qualifying deferred annuity premiums of HKD60,000 are paid by you in a tax assessment year;
    • You do not have any other tax deductible MPF voluntary contributions account during the tax assessment year;
    • The maximum total tax deductions for qualifying deferred annuity premiums and tax deductible MPF voluntary contributions for each taxpayer for the applicable tax assessment year is HKD60,000;
    • The highest rate of the progressive tax rate applicable to the taxpayer is 17%

  8. Please click here for the terms and conditions for the 20X Cash Dollars Rebate / yuu Points.

  • The above screen captures are for reference only. Terms and Conditions apply to the above services.

  • Android, Google Play and the Google Play logo are trademarks of Google LLC.

  • Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

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 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, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.

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.


Risk Warning of Bond or 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.