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 communication alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.
One-stop service to unlock Greater Bay Area
investment opportunities
investment opportunities
Hang Seng Bank has partnered with Hang Seng Bank (China) to launch the Hang Seng Cross-boundary Wealth Management Connect (WMC) service, an all-in-one cross-boundary wealth management service connecting you to new investment opportunities in mainland China.
Unless otherwise specified, the promotion period is from 1 October 2024 till 31 December 2024, Eligible customers can now enjoy the fabulous offers below:
Unless otherwise specified, the promotion period is from 1 October 2024 till 31 December 2024, Eligible customers can now enjoy the fabulous offers below:
Cross-boundary
WMC Northbound account opening offers Cross-boundary WMC Southbound wealth management product offers
WMC Northbound account opening offers Cross-boundary WMC Southbound wealth management product offers
Account opening welcome offers
- Successfully complete one-to-one pairing with the Northbound Investment Account opened with Hang Seng Bank (China) during the Promotion Period, you can enjoy a HKD500 electronic cash voucher.
Terms and Conditions 
apply to the Account opening welcome offers.
Eligible Cross-boundary WMC Southbound customers can enjoy up to total HKD6,000 rewards.
Subscribe for the Relevant Investment Products Offer
Subscribe for the Relevant Investment Products with designated accumulated investment amount can earn the cash rewards below:
| Relevant Investment Products | Minimum accumulated investment amount (HKD or equivalent) | Cash reward (for every HKD500,000 accumulated investment amount) |
|---|---|---|
| Investment Funds and/or secondary market bonds | HKD500,000 to less than HKD3,000,000 |
HKD400 (maximum: HKD2,000) |
| HKD3,000,000 | HKD500 (maximum: HKD3,000) |
|
| Certificate of Deposit Product | Every HKD500,000 | HKD300 (maximum: HKD1,800) |
Extra Cash Reward
Subscribe for the Relevant Investment Products with designated accumulated investment amount can earn the cash rewards below:
| Relevant Investment Products | Accumulated investment amount (HKD or equivalent) | Cash reward (for every HKD500,000 accumulated investment amount) |
|---|---|---|
| Investment Funds, secondary market bonds and Certificate of Deposit Product | Every HKD500,000 | HKD500 (maximum: HKD3,000) |
Terms and Conditions apply to the above offer.
* According to the Regulatory Requirements on the Southbound Scheme under Cross-boundary WMC, the individual investor quota is RMB 3 million. If the investor simultaneously selects both a bank and a licensed corporation for investment, the individual investor quota allocated between the bank and the licensed corporation will be RMB 1.5 million each.
Investment Funds subscription fee offer
Enjoy as low as net 1% fund subscription fee offer for investments funds subscription made with their Southbound Investment Account via online channels.
View details of Investment Funds subscription fee offer .
Prestige welcome reward
Open Hang Seng Prestige Banking, deposit HKD1,000,000 in new funds and meet specified requirements to enjoy up to HKD6,000 welcome reward.
View details of Prestige welcome reward .
Cross-boundary WMC Introduction
Seize the cross-border opportunity
The Northbound Stream – eligible residents in Hong Kong and Macao can purchase eligible wealth management products distributed by mainland China banks through mainland China banks; The Southbound Stream – eligible residents in mainland China can purchase eligible wealth management products distributed by Hong Kong and Macao banks through Hong Kong and Macao banks.
Closed-loop cross-border remittance
Achieve closed-loop cross-border remittance through one-to-one pairing of remittance account and investment account to ensure that the relevant funds' usage will only be in investment in eligible wealth management products.
Investment quota
The aggregate quota of Cross-boundary WMC Southbound and Northbound Stream is RMB 150 billion in each direction. The individual investor quota is RMB 3 million. If the investor simultaneously selects both a bank and a securities firm for investment, the individual investor quota allocated between the bank and the securities firm will be RMB 1.5 million each.How to help you capture
the cross-border investment edge?
Comprehensive network for investment
Our network covers Hong Kong and mainland China, allowing you to enjoy flexible cross-border wealth management services and always grasp the opportunities in the Greater Bay Area.
Diversified investment platform
Manage your cross-border investments with ease through e-banking, mobile app, customer service hotline or branch network.
Diversified compliant products
Provides over 220 eligible cross-border wealth management products to choose from, including investment funds covering various assets and markets, bonds, RMB, HKD and Foreign Currency Deposits.
Timely market insight
Provide free market information and expert commentary to help you understand the latest market trends.| How to be ready and open an account to invest in Cross-boundary WMC? | ||
|---|---|---|
| Cross-boundary WMC Northbound
eligible residents in Hong Kong
|
Open Cross-boundary WMC Northbound Remittance Account at designated Hang Seng Hong Kong branches | Open Cross-boundary WMC Northbound Investment Account at designated Hang Seng China branches |
| Cross-boundary WMC Southbound eligible residents in the Greater Bay Area cities
|
Open Cross-boundary WMC Southbound Remittance Account at designated Hang Seng China branches | Open Cross-boundary WMC Southbound Investment Account at designated Hang Seng Hong Kong branches |
Be the first to catch the cross-border opportunity
Learn more from the following channels
Learn more from the following channels
Visit hangseng.com/wmc
Hang Seng Bank website>Banking>Cross-Border>Cross-boundary Wealth Management Connect
Hang Seng Bank website>Banking>Cross-Border>Cross-boundary Wealth Management Connect
Call Cross-boundary WMC Hotline (852) 2912 3456 (Hong Kong) / (86) 4001 20 3456 (mainland China)^
Visit designated branches*
^
Office hours: Monday to Friday, 9 a.m. to 6 p.m., except weekend and Hong Kong Public Holiday. The toll-free enquiry hotline allows you to contact us for free even while staying in mainland China. The toll-free hotline can be accessed from mobile lines, fixed telephone lines, payphones and call cards and is free of IDD charges. Please contact the relevant service supplier for details. Hang Seng Bank Limited (the "Bank") assumes no responsibilities for such service. Customer agrees to be bound by the terms and conditions for the service provided by service providers, which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to service providers.
*
All street-level branches of Hang Seng Bank (except outlets in MTR stations & university branches)
Notes:
- The 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 this promotion and the related offers and to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final.
- The contents of this document have not been reviewed by any regulatory authority in Hong Kong.
- This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.
This communication is for general information and reference only. It is not, and is not intended to be, a solicitation, recommendation, or advice on, or offer of, any investment services or products. Investors should note that all investments involve risks (including the possibility of loss of the capital invested). Prices or value of investment products may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this material alone to make investment decisions, but should read the relevant offering documents of the investment products (including the full text of the risk factors stated therein) and risk disclosure statements of the relevant investment products in detail before making any investment decision. Investors 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 understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. The contents of this communication have not been reviewed by any regulatory authority in Hong Kong.
If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
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.
Important Risk Warning of Bond or Certificate of Deposit Product
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.
Important 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.