Hang Seng Preferred Banking Welcome Offers Promotion (July - September 2024) – Terms and Conditions

General Terms and Conditions:

  1. Unless otherwise specified, the promotion period of Hang Seng Preferred Banking Welcome Offers Promotion is from 1 July 2024 to 30 September 2024, both dates inclusive (“Promotion Period”).
  2. Each Eligible Customer can only enjoy the offers once unless otherwise specified. The offers cannot be used in conjunction with other promotional offers of the same product offered by Hang Seng Bank Limited (the “Bank”).
  3. The Bank reserves the right to suspend, vary or terminate this promotion and the related offers and to amend these terms and conditions at any time without prior notice. The decision of the Bank on all matters relating to this promotion and the related offers shall be final and binding on all the parties concerned. The relevant offers are subject to the terms and conditions of the relevant products/services. If there is any inconsistency between the terms and conditions of the relevant products/services and these terms and conditions, these terms and conditions shall prevail. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.
  4. No person other than the Customer and the Bank (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
  5. These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  6. These terms and conditions are subject to prevailing regulatory requirements.

Preferred Banking Welcome Rewards:

  1. Unless otherwise specified, this offer is only applicable to personal customers who meet the account opening requirements and have newly opened/ upgraded to Integrated Account of Preferred Banking (“Preferred Banking”) at the Bank branches or through digital channels (including Hang Seng Personal Banking mobile app and Hang Seng Personal e-Banking) or phone banking hotline during the Promotion Period (the “Eligible Customers”). The Eligible Customers exclude:
    1. existing customers who are holding sole-named or joint-named Preferred Banking; or
    2. customers who have ever held any sole-named or joint-named Preferred Banking with the Bank in the previous 12 months prior to the account opening month; or
    3. customers whose accounts have been terminated in any period
  2. “New Customer(s)” mentioned herein refers to the Eligible Customers, who are not:
    1. existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account) (the “Existing Customer(s)”), or
    2. customers who have ever held any of the above accounts with the Bank in the previous 12 months prior to the account opening month, or
    3. customers whose accounts mentioned above have been terminated in any period.
  3. “Upgrade Customer(s)” mentioned herein refers to the Existing Customers, who are not:
    1. existing customers who are holding sole-named or joint-named Preferred Banking; or
    2. customers who have ever held any sole-named or joint-named Preferred Banking with the Bank in the previous 12 months prior to the account opening month; or
    3. customers whose accounts mentioned above have been terminated in any period.
  4. If an Eligible Customer open/ upgrade to more than one Preferred Banking during the Promotion Period (including the sole-named or joint-named Preferred Banking), entitlement to the offer will be based on the earliest account opening/ upgrading date.
  5. In case the relevant Preferred Banking is a joint-named account, only the primary account holder can enjoy the offers.
  6. The offers are not applicable to commercial customers.
  7. In case of any disputes, the Bank’s records shall be final and conclusive.

Preferred Banking Welcome Reward:

New Customers who open a new Preferred Banking at branches or through Hang Seng Personal Banking mobile app and open / use the designated banking / investment services during the Promotion Period can earn reward of value up to $2,100. Upgrade Customers who upgrade to Preferred Banking and also open / use the designated banking services during the Promotion Period can enjoy reward 2/3/4/5/6/7/9/10.


Designated Banking Services Rewards
Rewards 1 New Preferred banking customers successfully open Preferred Banking account via Hang Seng Mobile App and Opt-in for Marketing push notification HKD200 HKTVmall e-Gift Voucher
Rewards 2

Total Relationship Balance Growth Reward


Fund-in and maintain the designated amount according to designated month(s) to enjoy:

Designated Total Relationship Balance Growth Amount Cash Reward
HKD100,000 or above – Below HKD200,000 HKD200
HKD200,000 or above – Below HKD500,000 HKD600
HKD500,000 or above HKD1,200

The designated month according to the month of account open/upgrade:

Date of opening/ upgrading to Preferred Banking Month of comparing designated “Total Relationship Balance” Growth Amount Months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained / fulfilled
July 2024 June 2024 September, October and November 2024
August 2024 July 2024 October, November and December 2024
September 2024 August 2024 November 2024, December 2024 and January 2025
Up to HKD1,200 cash rebate
Rewards 3 Successful apply for QuickReward Endowment Life Insurance Plan (1-Year)
  • Enter the promo code "INCOME" to apply and enjoy up to 4.38% guaranteed annual rate of return
  • Multiple currency (HKD / RMB / USD) and premium option
 Up to 4.38% guaranteed annual rate of return
Rewards 4 50% FX Spread Discount Reward
  • Exchange currency via Hang Seng Mobile App or Hang Seng Personal e-Banking with no less than HKD10,000 or its equivalent per single transaction within 30 calendar days from the account opening/upgrade date
 50% FX Spread Discount
Rewards 5 Foreign Currency Time Deposit Offer
  • Exchange designated currencies to enjoy a 1-week time deposit rate of up to 13% p.a.
1-week time deposit rate of up to 13% p.a.
Rewards 6 Newly open a SimplyFund Account (Account suffix 384) Enjoy free fund units with value of HKD20 (5,000 quotas)
Rewards 7 Newly open an Investment Fund Account (Account suffix 382) 0% Fund Subscription Fee Offer
Rewards 8 New Preferred banking customers successfully apply for Principal Card of Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard or University / College Affinity Credit Card Up to 5% +FUN Dollars for eligible local fast food/ coffee shop spending transactions
Rewards 9 Apply for Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard or University / College Affinity Credit Card and fulfill designated spending requirement Up to $700 +FUN Dollars
Rewards 10

Eligible customers who register for PayDay+ via Hang Seng Mobile App and successfully switch to Hang Seng for payroll service can enjoy up to 6% p.a. HKD Savings rate for an offer period of 3 months


During the offer period, the Eligible HKD Savings Account can enjoy the Preferential HKD Savings Rate Offer as set out in below table. The Preferential HKD Savings Rate is only applicable to the first HKD300,000 savings.  For more details on the registration and offer, please refer to hangseng.com/payrolloffer6.

HKD deposit balance maintained in the Eligible HKD Savings Account Preferential HKD Savings Rate (p.a.)
First HKD200,000 or below 2%
Next HKD100,000 or below 6%
Up to 6% p.a. HKD Savings rate

Reward 1

  1. New Preferred Banking customers who successfully open Preferred Banking account via Hang Seng Mobile App and Opt-in for Marketing push notification are entitled to redeem HKD200 HKTVmall e-Gift Voucher.
    1. The Bank will send out an SMS to the phone number (registered with the Bank) of Eligible Customers by 31 March 2025. Eligible Customers can redeem the HKD200 HKTVmall e-Gift Voucher (“e-Gift Voucher”) through the SMS. To ensure Eligible Customers can receive the relevant SMS sent out by the Bank, Eligible Customers must have already registered a valid Hong Kong mobile phone number with the Bank. Otherwise, eligible customers shall be disqualified without further notice and the e-Gift Voucher will be considered as forfeited.
    2. When crediting the reward of reward 1, the Eligible Customer must still hold the new Preferred banking account, and Marketing Preferences must still be maintained as “Opt-in for Marketing push notification”, otherwise he/she shall be deemed to have forfeited his/her right to receive the reward.
    3. The Bank will determine the eligibility of the Eligible Customer of reward 1 based on the record of their Marketing Preferences record held by the Bank. The Bank’s records shall be final and conclusive.
    4. Each Eligible Customer can enjoy reward 1 only once during the Promotion Period and it cannot be used in conjunction with other promotion and offer of the Bank.

Reward 2 - Total Relationship Balance Growth Reward

  1. Eligible Customers can enjoy the respective cash reward (as set out in the table below) if he / she brings in “Designated Total Relationship Balance Growth Amount” shown in the below table on/ before the last day of the month subsequent to the account opening/upgrade month, and maintains such designated amount for three months. (the second, the third and the fourth months after the month of account opening /upgrade)
  2. “Designated Total Relationship Balance Growth Amount” means the “Total Relationship Balance” in the second, the third and the fourth month after the month of account opening/ upgrade month maintained by Eligible Customer in excess of his/her “Total Relationship Balance” in the month prior to the account opening/ upgrade month. In case the “Total Relationship Balance” Growth amount recorded for the second, the third and the fourth months after the month of account opening/ upgrade month is different, the cash reward entitled will be determined based on the lowest “Total Relationship Balance” Growth amount accordingly. For Eligible Customers who did not hold any Preferred Banking account with the Bank in the month prior to the account opening/ upgrade month, his/her “Total Relationship Balance” amount maintained in the month prior to the account opening/upgrade month will be treated as Zero.
  3. Eligible Customers must have completed below items at the time the cash reward is credited in order to enjoy the respective cash reward:
    1. Registered for Hang Seng Personal e-Banking and maintain valid e-Banking account; and
    2. Completed “Risk Profiling Questionnaire” or whose “Risk Profiling Questionnaire” record is valid; and
    3. activated / maintained one of the Investment Account(s) and the Investment Account(s) remains valid. “Investment Account” means Securities Account (Account suffix 085), Investment Fund Account (Account suffix 382) or SimplyFund Account (Account suffix 384) only under the Integrated Account.
  4. According to the below Cash Reward Schedule and “Total Relationship Balance Growth Reward” Time Table, the New/Upgrade Customers are entitled up to HKD1,200 cash reward for Designated Total Relationship Balance Growth Amount during the designated month (“Eligible Total Relationship Balance Incremental Reward Customers”).

    Cash Reward Schedule

    Designated Total Relationship Balance Growth Amount Cash Reward
    HKD100,000 or above – Below HKD200,000 HKD200
    HKD200,000 or above – Below HKD500,000 HKD600
    HKD500,000 or above HKD1,200

    Total Relationship Balance Growth Reward Time Table

    Date of opening/ upgrading to Preferred Banking Month of comparing designated “Total Relationship Balance” Growth Amount Fund-in/ deposit designated “Total Relationship Balance” Growth amount Months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled Date of Cash Reward rebate
    July 2024 June 2024 On or before 31 August 2024 September, October and November 2024 On or before 31 March 2025
    August 2024 July 2024 On or before 30 September 2024 October, November and December 2024
    September 2024 August 2024 On or before 31 October 2024 November 2024, December 2024 and January 2025
  5. The cash reward will be credited into the relevant Eligible Deposit Account of each Total Relationship Balance Reward Incremental Customer on or before 31 Mar 2025. At the time the cash reward is credited, each Eligible Total Relationship Balance Incremental Reward Customer must continue to maintain a valid Preferred Banking Account,  and meet the requirements under point c. above; otherwise, or he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
  6. If any Total Relationship Balance Incremental Reward Customer opens more than one Preferred Banking Account during the Promotion Period, his/ her entitlement to the Total Relationship Balance Reward will be based on the Preferred Banking Account with the earliest account opening date.
  7. Each Total Relationship Balance Incremental Reward Customer can enjoy this offer only once during the Promotion Period. This offer cannot be used in conjunction with other Total Relationship Balance Reward of the same currency.

Example 1: Assuming New Customer(s) has opened Preferred Banking and activated an Investment Account in July 2024, the “Total Relationship Balance” (TRB) is HKD0 in June 2024 (the month prior to the account opening month):

TRB in September 2024 (HKD) TRB in October 2024 (HKD) TRB in November 2024 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
Scenario 1 200,000 300,000 250,000 200,000 600
Scenario 2 110,000 90,000 85,000 85,000 Not Applicable* (Failure to fulfil the requirement of Total Relationship Balance Growth Amount at HKD1,000,000 or above and failure to fulfill the requirement of maintaining Total Relationship Balance of HKD1,000,000 or above in the second, the third and the fourth month after account opening month.

Example 2: Assuming the Existing Customer(s) has upgraded to Preferred Banking and activated an Investment Account in July 2024, the “Total Relationship Balance” (TRB) is HKD90,000 in June 2024 (the month prior to the account upgrading month):

TRB in September 2024 (HKD) TRB in October 2024 (HKD) TRB in November 2024 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
Scenario 1 190,000 200,000 210,000 100,000 200
Scenario 2 200,000 230,000 120,000 30,000 Not Applicable* (Failure to fulfill the requirement of Total Relationship Balance Growth Amount at HKD100,000 or above and failure to fulfill the requirement of maintaining Total Relationship Balance of HKD1,000,000 or above in the second, the third and the fourth month after account opening month.)

Reward 3

  1. QuickReward Endowment Life Insurance Plan (1-Year) is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorised and regulated by the Insurance Authority of the HKSAR. This is the return rate of USD plan with premium discount included. This offer is applicable to all customers who enter the promo code "INCOME" for application to enjoy up to 4.38% guaranteed annual rate of return. Terms and conditions apply. Limited quota apply. Please refer to https://www.hangseng.com/cms/emkt/pmo/grp02/p59/eng/index.html for details.

Reward 4 - 50% FX Spread Discount Reward

  1. The promotion period of the offer is from 1 September 2024 to 30 September 2024, both dates inclusive (“Promotion Period”).
  2. The Offer is only applicable to customer who have newly opened/upgraded to Integrated Account of Preferred Banking (“Eligible Account”) (please refer to Preferred Banking Welcome Rewards (a) to (g) for definition) (“Eligible Customers”).  In case the Eligible Account is a joint-named account, only the primary account holder can enjoy the offer.
  3. Eligible Customers who conduct real-time foreign exchange transaction(s) successfully under his/ her Eligible Account via “Foreign Exchange Service” of Hang Seng Personal e-Banking or Hang Seng Mobile App with no less than HKD10,000 or its equivalent per single FX transaction within 30 calendar days from the account opening/upgrade date (Eligible FX Transaction(s)), the relevant Eligible FX Transaction(s) will be entitled to a cash reward equivalent to “50% FX Spread Discount” (as defined in point d). 
  4.  “50% FX Spread Discount” refers to reduction of 50% on sales margin normally charged for FX transaction by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived.
  5. Each Eligible FX Transaction will be calculated in the Hong Kong Dollar or its equivalent for the transaction amount based on the actual exchange rate executed for the transaction. For any cross-currency exchange, the relevant transaction amount will be converted into the Hong Kong Dollar equivalent with the exchange rate for the buy currency solely determined by the Bank on 30 September 2024.
  6. For the Eligible FX Transaction entitled to other foreign currency exchange offers (including but not limited to exchange rate or other spread discount offers) (if applicable), the relevant transaction will not be eligible for this Offer.
  7. The Cash Reward will be credited into the Hong Kong Dollar Savings Account of the relevant Eligible Account of the Eligible Customer on or before 31 January 2025.  To enjoy the Cash Reward, Eligible Customer must continue to maintain the relevant account, and without terminating or downgrading the account on or before, 31 January 2025.
  8. This Offer is not applicable to foreign exchange transaction(s) via notes exchange, cash deposit, notes withdrawal, inward remittance, Global Money+, Overseas Transfer Service via branch, phone banking hotline or Hang Seng Personal e-Banking, FX Order Watch Service, Passbook Savings Account, Voice Recording System and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s). In case of disputes, the decision of the Bank on the customer’s  eligibility to enjoy this Offer shall be final.
  9. The transaction date, time, exchange rate and transaction amount are subject to the record of the Bank.
  10. This Offer cannot be used in conjunction with other foreign exchange or exchange rate offers of the Bank.
  11. 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 offer at any time without prior notice.
  12. Unless otherwise specified, this promotion is not applicable to corporate account customers and Private Banking customers.

Reward 5

  1. The promotion period is from 2 July 2024 to 30 September 2024. For exchange of designated currencies and set up of 1-week 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 2 July 2024 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.

Reward 6

  1. The first 5,000 eligible customers, who are Preferred Banking customers (defined as Eligible Customers above) or Integrated Account personal customers,  newly and successfully open a SimplyFund Account (Account suffix 384) and hold a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5 during the Promotion Period can enjoy free fund units with value of HKD20. First come first served with limited quota. Investment involves risk. Terms and conditions apply to this offer. Please visit hangseng.com/simplyfundpromo for details.

Reward 7

  1. Eligible Prestige Private, Prestige Banking, Preferred Banking and Integrated Account personal customers who newly and successfully open an Investment Fund Account (Account suffix 382) during the Promotion Period can enjoy 0% fund subscription fee offer. Investment involves risk. Terms and conditions apply to this offer. Please visit hangseng.com/fundoffer for details.

Reward 8

  1. Reward 8 only applicable to new customers who newly open Preferred Banking account, and successfully apply for Principal Card of Hang Seng Travel+ Visa Signature Card or MMPOWER World Mastercard or University / College Affinity Credit Card (“Eligible Credit Card”) can enjoy up to 5% +FUN Dollars for eligible local fast food/ coffee shop transactions ("Eligible Transactions”) made during the first 3 months of the new card issuance (“Promotion Period of Reward 8”), the total maximum reward under Eligible Transactions is an extra $100 +FUN Dollars rebate. When customer achieve the designated spending requirement, the Bank will credit the relevant +FUN Dollars to the principal card account of the New Customers on or before 31 March 2025. The Preferred Banking of New Customers must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.
    1. Eligible Transactions completed within a calendar month must be posted to the relevant Eligible Credit Card account within 15 days to be eligible for the Reward 8, which will be counted for the Reward 8 and reward cap of that Promotion Period of Reward 8.
    2. Eligible Transactions refers to retail transactions made at local fast food/ coffee shop, except for transactions made with merchants with merchant codes which are not local fast food/ coffee shops  category as defined by Hang Seng, VISA International, Mastercard Asia/Pacific (Hong Kong) Limited or determined by the respective merchant’s acquiring bank from time to time, online retail transactions, banquet services, transactions made in private parties/functions, private room events and dining outlets in hotels, department stores, associations and clubhouses or individual merchants with merchant codes not defined by the acquiring banks as appropriate merchant codes of the relevant business, or any unauthorized transactions.
    3. The total maximum Reward under Eligible Transactions is an extra $100 +FUN Dollars rebate per Eligible Credit Card account during the Promotion Period of Reward 8.
    4. The extra +FUN Dollars rebate under the Reward will be calculated for the Eligible Transactions till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account after each calculation.
    5. The Reward will be rounded down to the nearest dollar and will be calculated based on the total accumulated net spending amount, which means the final amount charged to the registered Eligible Credit Card, and the use of any discount offers and +FUN Dollars/Merchant Dollars will not be taken into account.
    6. Any transactions which are eventually cancelled/returned or found to be fraudulent will be considered as ineligible transactions and are not applicable to the Reward.
    7. No alteration or cancellation can be made to the registration, and all rewarded +FUN Dollars cannot be transferred or converted into cash under any circumstances. Hang Seng will determine the eligibility of all rewards based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.
    8. Cardholders must keep the original sales slips of all posted transactions. Hang Seng reserves the right to request Cardholders to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
    9. All products, services and information related to the transactions are directly sold and supplied to Cardholders by related merchants. Eligible Retail Transactions and eligible merchant codes shall be determined respectively at the sole and absolute discretion of Hang Seng.
    10. Eligible Transactions and eligible merchant codes shall be determined respectively at the sole and absolute discretion of Hang Seng. Hang Seng has no obligation to clarify which transactions are eligible for the Reward before the transactions are made.
    11. Reward and use of +FUN Dollars are subject to the terms and conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
    12. Unless otherwise specified, the Reward cannot be used in conjunction with other +FUN Dollars promotion so are solely responsible for all related obligations and liabilities.
    13. Each eligible customer can enjoy this offer only once during the Promotion Period.

Reward 9

  1. For Reward 9 with Hang Seng Travel+ Visa Signature Card, the promotion period is from now to 31 December 2024. Customers who have successfully applied for Hang Seng Travel+ Visa Signature Card on or before 31 December 2024 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/travelplus.
  2. For Reward 9 with Hang Seng MMPOWER World Mastercard, the promotion period is from now to 31 December 2024. Customers who have successfully applied for Hang Seng MMPOWER World Mastercard on or before 31 December and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/mpower.
  3. For Reward 9 with Hang Seng University / College Affinity Credit Card, the promotion period is from now to 31 December 2024. Customers who have successfully applied for University/College Affinity Credit Card on or before 31 December 2024 and fulfilled the designated spending requirements of welcome offer are entitled to up to $600 +FUN Dollars. For details, please visit hangseng.com/ucardspromo.
  4. When customer achieve the designated spending requirement of welcome offer, the Bank will credit the relevant +FUN Dollars to the relevant principal card account of the Eligible Customers within 3 months. The Preferred Banking of Eligible Customers must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.

Reward 10 – Hang Seng PayDay+ offer

  1. The promotion period is from 2 July 2024 to 30 September 2024. Terms and conditions apply. Please visit hangseng.com/payrolloffer6 for the eligibility of PayDay+ customers and detailed Terms and Conditions of the PayDay+ offer.


For any enquiries about Preferred Banking Account Opening Reward entitlement, Eligible customer should contact the Bank on or before 30 September 2025, otherwise the customer shall be deemed to have forfeited the entitlement, if any, for the Reward and the Bank accepts no responsibility or liability under such circumstances.


Other Important Risk Warnings

Risk Disclosure of Securities Investment
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 not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.


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 dvice if they have concerns about their investment.


Risk Disclosure of SimplyFund Account
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 dvice if they have concerns about their investment.

Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.

In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.


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 the deposits from 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.


Important notes and disclaimer
Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements. The information contained herein is for general information and reference purposes only and is not intended to provide professional investment or other advice. It is not intended to form the basis of any investment decision. You should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, you should take into account your own circumstances including but not limited to your financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment product. You should obtain appropriate professional advice where necessary.


For "Risk Profiling Questionnaire"
The Risk Profiling Questionnaire is provided by Hang Seng Bank Limited (the "Bank") and is intended to help the customer understand his/her risk profile and investment needs. The Bank makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given. The suggestions are derived from information that the customer has provided to the Bank. The suggestions are designed to meet the needs discussed in this test and are in line with the customer’s attitude towards risk. The suggestions are for the customer’s consideration when making his/her own investment decisions. The suggestions are not an offer to sell or a solicitation to buy any financial products and the suggestions should not be considered as investment advice.


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.