Hang Seng Bank

Hang Seng PayDay⁺ and Preferred Banking Promotion (30 April – 10 August 2025) - Terms & Conditions

General Terms and Conditions

Unless otherwise specified, the promotion period of Hang Seng PayDay+ and Preferred Banking Promotion (“Promotion”) is from 30 April 2025 to 10 August 2025, both dates inclusive (“Promotion Period”).
Unless otherwise specified, each eligible customer can only enjoy the offers under the Promotion (the “Offers”) once, and the Offers cannot be used in conjunction with other promotional offers of the same product offered by Hang Seng Bank Limited (the “Bank”) outside of this Promotion.
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.
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.
These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These terms and conditions are subject to prevailing regulatory requirements (where applicable).

Payroll Customer Eligibility and Promotion Details

Unless otherwise specified, the Promotion is applicable to personal customers who fulfil the following requirements:
1. Set up / maintain PayDay⁺ payroll service with the Bank via HKD Savings / HKD Current Accounts during the Promotion Period and hold the “Eligible Payroll Record” until the end of the Promotion Period (“Eligible Payroll Customer”). Eligible Payroll Record refers to the HKD salary credited to the customer’s HKD Savings / HKD Current Account maintained with the Bank from the employer’s company account via Autopay (“Payroll Account”). The customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the month following the Eligible Payroll Record is made. For the purposes of the promotion, working day refers to Monday to Saturday (excluding public holidays).
  
  Only salary transfer instructions indicated for payroll purpose and recognized by the Bank’s system as such may be considered as an Eligible Payroll Record. Any salary transferred on public holiday / after the cut-off time of the Bank will be processed on the next working day. If the next working day falls in the following month (M), the customer’s identity as Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the subsequent month (M+1). The Bank reserves the right of final decision should there be any dispute in the definition of “Eligible Payroll Record” or in the recognition of the customer’s identity as an “Eligible Payroll Customer”.
Unless otherwise specified, if the customer fails to maintain an Eligible Payroll Record with the Bank in each calendar month until the end of the Promotion Period, the Offers will be revoked. The Offers will not be reinstated in any circumstances once revoked.
At the time the Offers are rewarded, the Eligible Payroll Customer must still maintain valid Payroll Account or he/she shall be deemed to have forfeited the right to receive the relevant Offers absolutely at the Bank’s sole discretion and shall not be rewarded through any other channel.
The Bank recommends Eligible Payroll Customers to maintain a valid mobile number and email address with the Bank for receiving subsequent notification related to the Promotion.
Unless otherwise specified, the Promotion is not applicable to (i) the Bank’s Commercial Customers; and (ii) personal customers aged under 18.

Preferred Banking Customer Eligibility and Promotion Details

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 Preferred Banking Customers”). The Eligible Preferred Banking 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.
“New Preferred Banking Customer(s)” mentioned herein refers to the 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.
“Upgrade Preferred Banking 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.
If a customer opens/ upgrades 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 and the corresponding Preferred Banking accordingly.
In case the relevant Preferred Banking is a joint-named account, only the primary account holder can enjoy the Offers.
The Offers are not applicable to commercial customers.
In case of any disputes, the Bank’s records shall be final and conclusive.

The Offers and Respective Terms and Conditions:

Offer Summary

PayDay⁺ Offers

Eligible Payroll Customers can enjoy Offers 1- 14, subject to the respective terms and conditions.

Offer 1

Up to 4.3% p.a. preferential HKD savings rate

Offer 2

Up to 4.3% p.a. preferential Foreign Currency savings rate

Offer 3

Handling Fee Waiver for Foreign Currency Notes Exchange and Bulk Cash Deposit

Offer 4

$0 Brokerage fee offer on buy trades for Hong Kong Exchange Traded Funds (“ETFs”)

Offer 5

$0 Brokerage fee offer on buy trades for US Stocks

Offer 6

5 extra lucky draw chances for Everyday Air Ticket Lucky Draw

Offer 7

Up to full brokerage fee waiver on the next trade via “Scratch Reward”

Offer 8

Up to 5X +FUN Dollars rebate upon eIncomePro Deferred Annuity Plan subscription

Offer 9

20% discount for 1st year premium and HKD400 e-Gift voucher upon Home Care Plus Home Insurance Plan subscription

Offer 10

30% discount for 1st year premium and HKD200 e-Gift voucher upon Travelsure Protection Plan (Annual Global Cover) (“Annual Global Cover”)

Offer 11

20% discount for 1st year premium and HKD150 e-Gift voucher upon Travelsure Protection Plan (Annual China Cover) (“Annual China Cover”) subscription

Offer 12

Extra $100 +FUN Dollars welcome offer (up to $800 +FUN Dollars) upon Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard® / Hang Seng Prestige World Mastercard Application

Offer 13

Up to HKD 8,800 extra cash rebate upon Personal Instalment Loan application and drawdown

Offer 14

Extra cash rebate upon Mortgage application and drawdown

Preferred Banking Welcome Offers

New Preferred Banking customers can enjoy up to HKD2,700 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of offer 15 to 20 during the promotion period.
Upgrade Preferred Banking customers can enjoy up to HKD2,500 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of offer 16 to 20 during the promotion period.

Offer 15

HKD200 cash rebate upon account opening via mobile app with an initial fund-in of HKD1,000

Offer 16

Up to HKD1,700 cash rebate upon total relationship balance growth reward with designated banking services fulfilment

Offer 17

Up to $800 +FUN Dollars upon designated credit card application and fulfilled designated spending requirement

Designated credit card	New customers successfully apply designated credit card and fulfil spending requirement	New Payroll Customer	Total Rewards
Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard^®	Up to $700 +FUN Dollars	$100 +FUN Dollars*	Up to $800 +FUN Dollars
Hang Seng University / College Affinity Credit Card	Up to $700 +FUN Dollars	Not Applicable	Up to $700 +FUN Dollars

*For new payroll customers only and equivalent to PayDay⁺ offer 12, please refer to its full terms & conditions

Offer 18

Preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance

Offer 19

Up to JPY6,000 cash reward for Eligible Preferred Banking Customers who newly opened/upgraded to Preferred Banking, set up designated foreign currency time deposit(s) and reach the designated cumulative amount.

Offer 20

8 units of TraHK (stock code: 2800) for Eligible Preferred Banking Customers who newly open securities accounts and meet designated requirements

PayDay⁺Offer 1

The promotion period is from 2 July 2025 – 30 September 2025, for new Eligible Payroll Customers who register for the offer via Hang Seng Mobile App. Terms and conditions apply, please visit hangseng.com/payrolloffer8 for details.

PayDay⁺Offer 2

The promotion period is from 1 July 2025 to 30 September 2025. For Eligible Payroll Customers with Eligible Incremental Balance of designated currencies. Savings rate is for reference only. Foreign exchange involves exchange rate risk. Terms and conditions apply. Please visit hangseng.com/depositspromo7 for more details..

PayDay⁺Offer 3

The promotion period is from 30 April 2025 – 30 September 2025. Please visit hangseng.com/payrolloffer10 for relevant Terms and Conditions of the offer. Foreign Exchange involves exchange rate risk.

PayDay⁺Offer 4

This offer is applicable to Eligible Payroll Customers with securities accounts (personal/ joint) under the Integrated Accounts (excluding Share Margin Accounts) maintained with the Bank (“Securities Customers with Payroll”). Securities Customers with Payroll who successfully execute BUY transactions of Hong Kong Exchange Traded Fund(s) (“ETF(s)”) (as defined in clause c below) via any of the Bank’s online trading channels (including Hang Seng Invest Express mobile app, Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app) and using the said securities accounts during the trading period (“Trading Period”) from 30 April 2025 to 31 December 2025 (“Eligible Securities Transaction(s)”) can enjoy $0 brokerage fee offer. There is no limit on the number of Eligible Securities Transaction(s) which can enjoy this offer and no minimum amount for each Eligible Securities Transaction.
This offer can be enjoyed by Securities Customers with Payroll who are eligible for SimplyStock in respect of Eligible Securities Transaction(s) in a calendar month during the Trading Period after the first HKD300,000 (or its HKD equivalent for transactions in USD or Renminbi) transaction amount in that calendar month which is covered by the SimplyStock monthly fee (currently HKD30) is exceeded.
“Hong Kong ETF(s)” refers to ETFs which are listed on The Stock Exchange of Hong Kong Limited during the Trading Period and with trading currency being HKD, USD or Renminbi, excluding all leverage & inverse products (i.e. those with relevant stock codes for Leverage and Inverse Products allocated for listing on the SEHK), and ETFs not settled by the customers with the Bank in HKD, USD or Renminbi. “Eligible Securities Transactions” exclude purchase transactions of Hang Seng Monthly Investment Plans for Stocks and share subscriptions of Initial Public Offering (IPO).
The offer is calculated on a per account basis. Customers are required to first pay all the standard brokerage fees of online trading channels (i.e. Hong Kong ETFs settled in HKD or Renminbi: 0.25% of the transaction amount, minimum HKD100 / RMB85 per transaction; Hong Kong ETFs settled in USD: 0.5% of the transaction amount, minimum USD20 per transaction) (“Standard Brokerage Fee”) in respect of all Eligible Securities Transactions. The brokerage fee reduction amount for Eligible Securities Transactions that a customer is entitled to (“Reduction Amount”) will be deposited by the Bank to the HKD settlement account of the relevant securities account on or before 28 February 2026.
In respect of Eligible Securities Transaction(s) settled in HKD, the calculation of the Reduction Amount will be based on the actual brokerage fee paid for such Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)). In respect of Eligible Securities Transaction(s) settled in USD or Renminbi, the calculation of the Reduction Amount will be based on the actual brokerage fee paid for such Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)), with the amount of the actual brokerage fee paid converted to HKD at the exchange rate solely determined by the Bank as prevailing on 31 December 2025 (thus the Reduction Amount may be more or less than the actual brokerage fee paid for all Eligible Securities Transactions settled in USD or Renminbi due to this conversion).
The actual brokerage fee paid for each Eligible Securities Transaction excludes any custody fee, securities deposit charges, nominee services fee and any third-party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee, transfer fee and capital gain tax, etc.
Customers should still maintain the relevant securities accounts and the HKD settlement accounts when the Reduction Amount is credited.
This brokerage fee offer is a reduction of brokerage fee for securities transactions.

PayDay⁺Offer 5

This offer is applicable to Eligible Payroll Customers with securities account under sole-named integrated accounts (excluding Share Margin Accounts) maintained with the Bank (“Securities Customers with Payroll”). Securities Customers with Payroll who successfully execute BUY transactions of US stocks (as defined in clause c below) via Hang Seng Invest Express mobile app and using the said securities accounts during the trading period (“Trading Period”) from 30 April 2025 to 31 December 2025 (“Eligible Securities Transaction(s)”) can enjoy $0 brokerage fee offer.
This offer can be enjoyed by Securities Customers with Payroll who are eligible for SimplyStock in respect of Eligible Securities Transaction(s) in a calendar month during the Trading Period after the first HKD300,000 (or its HKD equivalent for transactions in USD or Renminbi) transaction amount in that calendar month which is covered by the SimplyStock monthly fee (currently HKD30) is exceeded.
“US stocks” refer to Common Stocks (excluding warrants), Exchange Traded Funds (ETFs) and American Depository Receipts (ADRs) traded on New York Stock Exchange (NYSE), Nasdaq Global Market (NASDAQ), NYSE Amex Equities Market (AMEX) and NYSE ARCA.
Customers are required to first pay all the standard brokerage fees (i.e. USD0.015 per share with minimum USD15 per transaction) (“Standard Brokerage Fee”) in respect of all Eligible Securities Transactions. The brokerage fee reduction amount for Eligible Securities Transactions that a customer is entitled to (“Reduction Amount”) will be deposited by the Bank into the USD settlement account of the relevant securities account on or before 28 February 2026. The calculation of Reduction Amount will be based on the actual brokerage fee paid for each Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)), subject to maximum total Reduction Amount of USD100 per customer. The actual brokerage fee paid for Eligible Securities Transaction excludes any custody fee, securities deposit charges, nominee services fee and any third-party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee, transfer fee, capital gain tax, SEC fee and financial transaction tax etc. Customers should still maintain the relevant securities accounts and the USD settlement accounts when the Reduction Amount is credited.
This brokerage fee offer is a reduction of brokerage fee for securities transactions.

PayDay⁺Offer 6

The promotion period is from 16 May 2025 to 15 January 2026. Terms and conditions apply. Please visit hangseng.com/promotion for more details during the promotion period.

PayDay⁺Offer 7

This offer is applicable to new securities customers who are Eligible Payroll Customers. Terms and conditions apply. Please visit hangseng.com/secoffer for more details during the promotion period.

PayDay⁺Offer 8

The promotion period is from 1 July 2025 to 10 August 2025.
Subject to these terms and conditions, an Eligible Payroll Customer who settles the premium of an Eligible Application by using the Eligible Payroll Customer’s own Hang Seng Credit Card, Affinity Card, Commercial Card, Business Card or Spending Card, but excluding Hang Seng UnionPay Renminbi Diamond Commercial Card and Private Label Cards ("Eligible Credit Card") shall enjoy the Reward.
“Eligible Applications” in this Offer refer to any successful application for a policy of eIncomePro Deferred Annuity Plan (100% Guaranteed) (in this Offer, the "Designated Life Insurance Plan") with Annual Payment Mode and designated promotion code “PAYDAY” provided during application during the Promotion Period. Any application towards the Designated Life Insurance Plans with unposted / cancelled / refunded premium will not qualify as an Eligible Application for the purpose of this Offer.
5x +FUN Dollars/yuu Points shall be awarded to the Eligible Payroll Customer based on the total premium payment required in 1st policy year of each Eligible Application (excluding premium levy and any premium discount or premium waiver), subject to a maximum of $960 +FUN Dollars or 240,000 yuu Points (depending on the Eligible Credit Card type) (in this Offer, the “Reward”). Please note that the amount of net premium due and paid qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, credit card reward points, other gift and rewards under tactical programs, etc.), and the actual tax benefits of this policy would depends on personal tax position (e.g. salaries income and assessable profits) and each customer should always consult with a professional tax advisor if the customer has any doubt. Nothing in these terms and conditions shall be construed as tax or legal advice given by the Bank or Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card are rewarded with yuu Points. Please refer to http://hangseng.com/enjoycard for Reward Points Programme details.
The extra +FUN Dollars / yuu Points shall be credited into the Eligible Credit Card accounts on or before 31 January 2026. Such credit card accounts must remain valid and in good standing when the relevant +FUN Dollars / yuu Points are credited. The customer can log on to Hang Seng Personal e-Banking (if applicable) or call the Bank’s 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the Reward details.
USD1:HKD7.75 will be used as USD exchange rate for calculation. The Reward will be calculated based on the amount of each Eligible Application. The +FUN Dollars reward / yuu Points rewarded will be rounded down to the nearest dollar. The +FUN Dollars reward of less than $1 +FUN Dollars / yuu Point of less than 1 point will not be rewarded.
All rewarded +FUN Dollars rebate / yuu Points cannot be transferred or converted into cash under any circumstances.
Only policyholder whose policy of the Designated Life Insurance Plan is still effective by 31 October 2025 and before the +FUN Dollars / yuu Points fulfillment will be eligible for the Reward, subject to all the terms and conditions herein.
Any transaction which is eventually cancelled / returned or found to be fraudulent will be considered as an ineligible transaction and does not qualify for this Offer, and the Reward will not be awarded.
The Bank and Hang Seng Insurance reserve the right to vary or convert +FUN Dollars reward / yuu Points to other forms of rewards (including but not limited to points or cash reward) equivalent to the same values / amounts / earnings ratio of the +FUN Dollars to any Eligible Payroll Customer at any time and from time to time without prior notice.
Unless otherwise specified, this Offer cannot be used in conjunction with the Bank staff privileges and other +FUN Dollars promotions or yuu Points promotions.
Hang Seng Insurance has the sole and absolute discretion to decide whether or not to accept the insurance application based on the information provided by the policyholder and/or the life insured(s) upon application.
No person other than the Eligible Payroll Customer, the Bank (which includes its successors and assigns) and Hang Seng Insurance (which includes its successors and assigns) has 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.
This Offer is jointly offered by the Bank and Hang Seng Insurance. The Bank and Hang Seng Insurance reserve the right of final decision on all matters relating to the above offers, which shall be binding on all parties concerned. In case of any dispute, the decision of the Bank and Hang Seng Insurance is final.
These terms and conditions form part of the relevant insurance contract upon successful application of Designated Life Insurance Plan and will be sent together with the policy pack to policyholder upon successful application.

PayDay⁺Offer 9

This Offer includes the Premium Discount Offer and HKD400 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Home Care Plus Home Insurance Plan, which is distributed by the Bank (“Designated General Insurance Plan”), in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder upon application.
Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Customer, the Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has 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.

Terms and Conditions of the Premium Discount Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 20% first-year premium discount (applicable to both yearly and monthly premium payment method) upon successful application of the Designated General Insurance Plan (in this Offer, the “Premium Discount Offer”).
The Premium Discount Offer is only available to any Customer who successfully applies for the Designated General Insurance Plan on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.

Terms and Conditions of the HKD400 e-Gift Voucher Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD400 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Designated General Insurance Plan on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with either the yearly payment method or monthly payment method, with monthly payment method requiring 7 consecutive months’ premium payment (“HKD400 e-Gift Voucher Offer”).
The Customer must input a valid designated promotion code and provide a valid email address during the application of the Designated General Insurance Plan to enjoy the HKD400 e-Gift Voucher Offer.
For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued; for the policy paid by monthly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the Customer has paid 7 consecutive months of premium. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
Each Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Customer because the Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of the Bank and/or Chubb), the Bank and Chubb will not reissue the e-Gift voucher, and the Customer is deemed to have forfeited the e-Gift voucher.
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher shall not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Bank and Chubb are not the suppliers of the e-Gift voucher and shall not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay⁺Offer 10

This Offer includes the Premium Discount Offer and HKD200 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Annual Global Cover, which is distributed by the Bank, in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
Chubb has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Customer, the Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has 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.

Terms and Conditions of the Premium Discount Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 30% first-year premium discount upon successful application of the Annual Global Cover (in this Offer, the “Premium Discount Offer”).
The Premium Discount Offer is only available to any Customer who successfully applies for the Annual Global Cover on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
If any Customer cancels the Annual Global Cover policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual Global Cover policy.

Terms and Conditions of the HKD200 e-Gift Voucher Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD200 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Annual Global Cover on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD200 e-Gift Voucher Offer”).
The Customer must input a valid designated promotion code and provide a valid email address during the application of the Annual Global Cover to enjoy the HKD200 e-Gift Voucher Offer.
The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
Each Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Customer because the Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of the Bank and/or Chubb), the Bank and Chubb will not reissue the e-Gift voucher, and the Customer is deemed to have forfeited the e-Gift voucher.
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Bank and Chubb are not the suppliers of the e-Gift voucher and shall not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay⁺Offer 11

This Offer includes the Premium Discount Offer and HKD150 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Annual China Cover, which is distributed by the Bank, in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
Chubb has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Promotional Offers are not applicable to staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Customer, the Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has 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.

Terms and Conditions of the Premium Discount Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 20% first-year premium discount upon successful application of the Annual China Cover (in this Offer, the “Premium Discount Offer”).
The Premium Discount Offer is only available to any Customer who successfully applies for the Annual China Cover on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
If any Customer cancels the Annual China Cover policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual China Cover policy.

Terms and Conditions of the HKD150 e-Gift Voucher Offer

Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD150 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Annual China Cover on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD150 e-Gift Voucher Offer”).
The Customer must input a valid designated promotion code and provide a valid email address during the application of the Annual China Cover to enjoy the HKD150 e-Gift Voucher Offer.
The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
Each Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Customer because the Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of the Bank and/or Chubb), the Bank and Chubb will not reissue the e-Gift voucher, and the Customer is deemed to have forfeited the e-Gift voucher.
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
The Bank and Chubb are not the suppliers of the e-Gift voucher and will not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay⁺Offer 12

The offer is applicable to Eligible Payroll Customers who fulfil the following requirements (“New Payroll Customers”):
1. Have no payroll record under any single/joint-named account (including joint-named accounts held in the name of a secondary account holder) of the Bank during the period from 1 January 2025 to 29 April 2025; and
2. Successfully set up payroll service with first Eligible Payroll Record made during the period from 30 April 2025 to 31 October 2025
The Promotional Offers are not applicable to staff of the Bank.

From now till 30 September 2025, New Payroll Customers who apply for Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard and whose applications are successfully approved on or before 31 October 2025, can get extra $100 +FUN Dollars on top of the welcome offer upon meeting the designated Welcome Offers spending requirement.

Credit Card	Existing Welcome Offers Reward
Hang Seng Prestige World Mastercard	Up to $700 +FUN Dollars
Hang Seng Travel+ Visa Signature Card	Up to $700 +FUN Dollars
Hang Seng MMPOWER World Mastercard	Up to $700 +FUN Dollars

The Bank will credit the relevant Welcome Offer +FUN Dollars to the relevant credit card principal account of the New Payroll Customer within 3 months of fulfilling the eligibility requirements in (c). For more details, please visit Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard product page.

The Bank will credit the extra $100 +FUN Dollars to the relevant principal card account according to the schedule below and each New Payroll Customer can enjoy a maximum of extra $100 +FUN Dollars under this offer throughout the Promotion Period:

Card approval date	Fulfilment date
On or before 10 August 2025	On or before 31 December 2025
From 11 August to 31 October 2025	On or before 31 March 2026

The relevant card account of the New Payroll Customer must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.

PayDay⁺Offer 13

During 1 July 2025 to 10 August 2025 (both dates inclusive), Eligible Payroll Customers who have successfully applied for and drawn down the Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up loan, Debt Consolidation Instalment Loan) (the “Loan”) with the below designated amount and repayment period and have two Eligible Payroll Records, each at not less than HKD5,000 in any two months from September to November of 2025, will be entitled to up to HKD8,800 cash rebate. Each Eligible Payroll Customers can enjoy this offer once during the period specified in this clause.

The applicable cash rebate for the corresponding drawdown amount is shown as below.

Drawdown amount	Repayment Period
Drawdown amount	24 months	36-48 months	60 months
HKD50,000 – HKD99,999	HKD200	HKD300	HKD500
HKD100,000 – HKD199,999	HKD300	HKD600	HKD1,000
HKD200,000 - HKD499,999	HKD500	HKD1,000	HKD1,000
HKD500,000 - HKD999,999	HKD500	HKD1,500	HKD2,000
HKD1,000,000 - HKD1,499,999	HKD800	HKD2,500	HKD3,000
HKD1,500,000 or above	HKD1,200	HKD5,000	HKD8,800

Cash rebate will be credited to Eligible Payroll Customer's repayment account by 31 December 2025 without any prior notice. Eligible Payroll Customers must have no record of default or early settlement of the Loan, still maintain valid Payroll Account, a relevant valid loan and repayment account before the rebate is credited, or he/she shall be deemed to have forfeited the right to receive the relevant cash rebate. If customers settle the Loan ahead of schedule after the cash rebate has been credited, he/she shall return the cash rebate in full to the Bank upon settlement of the Loan.

For the full details of the services and promotion of Personal Instalment Loan, please refer to the Bank website (Loans>Personal Instalment Loan).

PayDay⁺Offer 14

Eligible Payroll Customers who have successfully applied for the private residential mortgage loan from now until 10 Aug 2025 and drawn down the mortgage loan amount with HKD4,000,000 or above on or before 31 December 2025 will be entitled to cash rebate.
The final cash rebate amount is subject to the customer’s financial situation, repayment ability and loan amount. Cash rebate will be credited to Eligible Payroll Customer’s designated mortgage repayment account after the loan drawdown.
The final approval of the mortgage application is subject to the decision of the Bank.
The Eligible Payroll Customers must still maintain a valid Payroll Account on 31 March 2026. Otherwise, the Eligible Payroll Customer is required to refund the cash rebate amount to the Bank, which will be debited from the customer’s loan repayment account without any prior notice.
This cash rebate offer is not applicable to the staff of the Bank, or those who are eligible for the staff offers of the Bank.
Each mortgage application can only enjoy this cash rebate offer once.

Preferred Banking Offer 15

The promotion period is from 30 April 2025 to 30 September 2025.
New Preferred Banking Customers who successfully open Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HKD1,000 within 7 calendar days of account opening date and maintain the designated amount for 10 calendar days thereafter are entitled to HKD200 cash rebate.
1. The Bank will determine the eligibility of the Eligible Preferred Banking Customer of Offer 15 based on the record of their deposit balance in the Hong Kong Dollar Savings Account / Hong Kong Dollar Current Account held with the Bank. The Bank’s records shall be final and conclusive.
2. If a customer opens Preferred Banking Account between 30 April 2025 and 30 June 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Preferred Banking Customer of Offer 15 on or before 31 December 2025. If a customer opens Preferred Banking Account between 1 July 2025 and 30 September 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Preferred Banking Customer of Offer 15 on or before 31 March 2026. At the time the cash reward is credited, Eligible Preferred Banking Customer of Offer 15 must continue to maintain a valid Preferred Banking Account and a Hong Kong Dollar Savings/Current Account. Otherwise, he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
3. Each New Preferred Banking Customer can enjoy this Offer 15 only once during the Promotion Period.

Preferred Banking Offer 16

Total Relationship Balance Growth Reward
Fund-in and maintain the designated “Total Relationship Balance” Growth Amount within designated months, switch to Hang Seng PayDay⁺ for payroll service and grow foreign currency deposits by minimum HKD30,000 equivalent to enjoy respective cash rebate (as shown in the table below).

Designated “Total Relationship Balance” Growth Amount	Total Relationship Balance Growth Reward	Payroll Reward^	Foreign Currency Deposits Incremental Reward*	Total cash rebate
HKD100,000 or above – Below HKD200,000	HKD200	HKD400	HKD100	HKD700
HKD200,000 or above – Below HKD500,000	HKD600	HKD400	HKD100	HKD1,100
HKD500,000 or above	HKD1,200	HKD400	HKD100	HKD1,700

^Switch to Hang Seng PayDay⁺ for payroll service
*Grow foreign currency deposits (including savings, current and time deposits accounts) by minimum HKD30,000 equivalent

The designated month of opening/upgrading to Preferred Banking:

Date of opening/upgrading to Preferred Banking	Month for comparing designated “Total Relationship Balance” Growth Amount	Designated months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled	Cut-off date for switching to PayDay+ payroll service	Designated Foreign Currency Deposits Growth Period
30 April 2025	March 2025	June 2025 to August 2025	31 August 2025	June 2025 to August 2025
May 2025	April 2025	July 2025 to September 2025	31 August 2025	July 2025 to September 2025
June 2025	May 2025	August 2025 to October 2025	31 August 2025	August 2025 to October 2025
July 2025	June 2025	September 2025 to November 2025	30 November 2025	September 2025 to November 2025
August 2025	July 2025	October 2025 to December 2025	31 December 2025	October 2025 to December 2025
September 2025	August 2025	November 2025 to January 2026	31 January 2026	November 2025 to January 2026

The promotion period is from 30 April 2025 to 30 September 2025. Eligible Preferred Banking 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)
The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent (excluding insurance plans which are certified under the Voluntary Health Insurance Scheme) as well as Hang Seng MPF balance. For sole-named Integrated Account holders, their other joint-named account(s) will also be included.
“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 Preferred Banking 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 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.
Eligible Preferred Banking 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. 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.

According to the below Cash Reward Table and “Total Relationship Balance Growth Reward” Time Table, the New/Upgrade Customers are entitled up to HKD1,200 cash reward for meeting the Designated Total Relationship Balance Growth Amount during the designated month and the requirements under point d (“Eligible Total Relationship Balance Incremental Reward Customers”).

Cash Reward Table

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
30 Apr 2025	March 2025	On or before 31 May 2025	June 2025 to August 2025	On or before 31 December 2025
May 2025	April 2025	On or before 30 June 2025	July 2025 to September 2025
June 2025	May 2025	On or before 31 July 2025	August 2025 to October 2025
July 2025	June 2025	On or before 31 August 2025	September 2025 to November 2025	On or before 31 March 2025
August 2025	July 2025	On or before 30 September 2025	October 2025 to December 2025
September 2025	August 2025	On or before 31 October 2025	November 2025 to January 2026

If the Eligible Total Relationship Balance Incremental Reward Customers opens/ upgrades to Preferred Banking on 30 April – 30 June 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Total Relationship Balance Incremental Reward Customer on or before 31 December 2025. If the Eligible Total Relationship Balance Incremental Reward Customers opens/ upgrades to Preferred Banking on 1 July 2025 – 30 September 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Total Relationship Balance Incremental Reward Customer on or before 31 March 2026. At the time the cash reward is credited, the Eligible Total Relationship Balance Incremental Reward Customer must continue to maintain a valid Preferred Banking Account, a Hong Kong Dollar Savings/Current Account and meet the requirements under point d above; otherwise, or he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
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.

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 May 2025, the “Total Relationship Balance” (TRB) is HKD0 in April 2024 (the month prior to the account opening month):

	TRB in May 2025 (HKD)	TRB in June 2025 (HKD)	TRB in July 2025 (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 HKD100,000 or above and failure to fulfill the requirement of maintaining Total Relationship Balance of HKD100,000 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 May 2025, the “Total Relationship Balance” (TRB) is HKD90,000 in April 2024 (the month prior to the account upgrading month):

	TRB in May 2025 (HKD)	TRB in June 2025 (HKD)	TRB in July 2025 (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 fulfil 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 HKD100,000 or above in the second, the third and the fourth month after account opening month.

Total Relationship Balance Growth Reward – Payroll Reward

The Promotion is only applicable to Eligible Total Relationship Balance Incremental Reward Customers who fulfil the following requirements (“Eligible Payroll Customers”):

Have no payroll record under any single/joint-named account (including joint-named accounts held in the name of a secondary account holder) of the Bank in designated period based on the date of the customer opening/upgrading to Preferred Banking as stipulated in the table below and

Successfully set up PayDay+ payroll service with the first monthly HKD salary directly credited to the Integrated Account of Preferred Banking (“Eligible Payroll Account”) from the employer’s company account via Autopay (“Eligible Payroll Record”) by the designated cut-off date based on the date customers open/upgrade to Preferred Banking as stipulated in the table below, and maintain the Eligible Payroll Record in each calendar month in the Eligible Payroll Account until the cash reward is credited after the first eligible payroll credit. For details, please refer to the table below. The customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the month following the Eligible Payroll Record is made. For the purposes of the reward, working day refers to Monday to Saturday (excluding public holiday).

Date of opening/upgrading to Preferred Banking	Period without payroll record	Cut-off date for switching to Hang Seng PayDay+ Payroll Service:	Date of Cash Reward Rebate
30 April 2025	October 2024 – December 2024	31 August 2025	On or before 31 December 2025
1 May 2025 – 5 May 2025	October 2024 – December 2024
6 May 2025 – 30 June 2025	1 January 2025 – 5 May 2025
July 2025	April 2025 – June 2025	30 November 2025	On or before 31 March 2026
August 2025	May 2025 – July 2025	31 December 2025
September 2025	June 2025 – August 2025	31 January 2026

The reward is applicable to Eligible Payroll Customers with Eligible Payroll Record in Hong Kong Dollars only.
The reward is not applicable to the Bank’s staff.
The Cash Reward will be credited into the Hong Kong Dollar Savings/Current Account of the Eligible Payroll Customers by 31 December 2025 or 31 March 2026 based on the date the customer opens/upgrades to Preferred Banking as stipulated in the table above. At the time the cash reward is credited, the Eligible Payroll Customers must continue to maintain a valid Preferred Banking Account and a Hong Kong Dollar Savings/Current Account. Otherwise, he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
If any Eligible Payroll Customers opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to the Eligible Payroll Customers will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Payroll Customers can enjoy this Offer only once during the Promotion Period.

Total Relationship Balance Growth Reward – Foreign Currency Deposit Incremental Reward

The Offer is only applicable to Eligible Total Relationship Balance Incremental Reward Customer, and his/her foreign currency (excluding HKD) deposits account(s) (including savings account(s), current account(s), and time deposits account(s)) maintained with the Bank in his/her sole name or in the capacity as the primary account holder in the case of a joint account (“Eligible Foreign Currency Deposit Account(s)”).
According to the below Fund-in Requirement Schedule, Eligible Total Relationship Balance Incremental Reward Customer with “Eligible Incremental Balance” of minimum HKD30,000 or its equivalent throughout “Designated Foreign Currency Deposits Growth Period” will be entitled to an extra HKD100 cash reward. (“Eligible Foreign Currency Deposits Incremental Reward Customer”)

Fund-in Requirement Schedule

Date of opening/upgrading to Preferred Banking	Designated Foreign Currency Deposits Comparison Date	Designated Foreign Currency Deposits Growth Period	Designated Foreign Currency Exchange Rate Date	Date of Cash Reward Rebate
30 April 2025	31 March 2025	June to August 2025	31 October 2025	On or before 31 December 2025
May 2025	30 April 2025	July to September 2025
June 2025	31 May 2025	August to October 2025
July 2025	30 June 2025	September to November 2025	31 January 2026	On or before 31 March 2026
August 2025	31 July 2025	October to December 2025
September 2025	31 August 2025	November 2025 to January 2026

“Eligible Incremental Balance” refers to the incremental of the daily average balance of all Eligible Foreign Currency Deposit Account(s) in “Designated Foreign Currency Deposits Growth Period” as compared with the period end balance on “Designated Foreign Currency Deposits Comparison Date”.

If the customer got a negative balance or did not hold any Eligible Foreign Currency Deposit Account on the Designated Foreign Currency Deposits Comparison Date, it will be treated as zero in the Eligible Incremental Balance calculation.
In the case of any funds transfer made after 9pm on Mondays to Fridays or 6pm on Saturdays, and cheques deposited after the cut-off time of the Bank, the deposit balance will be updated on the next working day. All the related account deposit balances shall be based on the records of the Bank.
Example of the Eligible Incremental Balance calculation

Example 1: Assuming that the customer has upgraded to Preferred Banking on 2 May 2025, and has fulfilled the balance growth requirement before the Designated Foreign Currency Deposits Growth Period:

USD Deposit Balances and Transactions	Amount in HKD or its equivalent
USD deposit balance on 30 Apr 2025:	$100,000
Fund in on 8 May 2025:	+$100,000
Fund out on 23 Jun 2025:	-$20,000
Assuming no transaction made after 23 Jun 2025, daily average balance from Jul to Sep 2025:	$180,000 (Eligible Incremental Balance: $80,000)

Example 2: Assuming that the customer has upgraded to Preferred Banking on 2 May 2025, andgradually deposited new funds during the Designated Foreign Currency Deposits Growth Period:

USD Deposit Balances and Transactions	Amount in HKD or its equivalent
USD deposit balance on 30 Apr 2025:	$100,000
Assuming no transaction made during May to 13 Jul 2025, USD deposit balance from 1 - 13 Jul 2025 (13 days):	$100,000
Fund in on 14 Jul 2025:	+$100,000
USD deposit balance from 14 Jul - 21 Aug 2025 (39 days):	$200,000
Fund in on 22 Aug 2025:	+$50,000
USD deposit balance from 22 Aug - 30 Sep 2025 (40 days):	$250,000
Daily average balance from Jul to Sep 2025:	$207,608 (Eligible Incremental Balance: $107,608)

The illustration above is taking the USD transactions of a customer who upgrade to Preferred Banking in May 2025 as an example. The same calculation applies to transactions in other currencies and months.

Eligible Incremental Balance will be converted into the HKD equivalent amount based on the exchange rate of each foreign currency solely determined by the Bank on 31 October 2025.
The Cash Reward will be credited into the Hong Kong Dollar Savings/Current Account of the Eligible Foreign Currency Deposits Incremental Reward Customer according to the corresponding “Date of Cash Reward Rebate” on or before 31 December 2025. At the time the cash reward is credited, the Eligible Foreign Currency Deposits Incremental Reward Customer must continue to maintain a valid Preferred Banking Account and a Hong Kong Dollar Savings/Current Account. Otherwise, he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
If any Eligible Foreign Currency Deposits Incremental Reward Customer opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to the Foreign Currency Deposits Incremental Reward will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Foreign Currency Deposits Incremental Reward Customer can enjoy this Offer only once during the Promotion Period.
This Offer cannot be used in conjunction with other savings offers of the same currency.

Preferred Banking Offer 17

Apply for designated credit card and fulfil designated spending requirement to enjoy below rewards

Designated credit card	New customers successfully apply designated credit card and fulfil spending requirement	New Payroll Customer	Total Rewards
Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard^®	Up to $700 +FUN Dollars	$100 +FUN Dollars*	Up to $800 +FUN Dollars
Hang Seng University / College Affinity Credit Card	Up to $700 +FUN Dollars	Not Applicable	Up to $700 +FUN Dollars

For Offer 17 with Hang Seng Travel+ Visa Signature Card Welcome Offer, the promotion period is from now to 30 September 2025. Customers who have successfully applied for Principal Card of Hang Seng Travel+ Visa Signature Card on or before 30 September 2025 and whose applications are successfully approved on or before 31 October 2025 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/travelplus.
For Offer 17 with Hang Seng MMPOWER World Mastercard Welcome Offer, the promotion period is from now to 30 September 2025. Customers who have successfully applied for Principal Card of Hang Seng MMPOWER World Mastercard on or before 30 September 2025 and whose applications are successfully approved on or before 31 October 2025 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/mpower.
For Offer 17 with Hang Seng University / College Affinity Credit Card Weclome Offer, the promotion period is from now to 30 September 2025. Customers who have successfully applied for University/College Affinity Credit Card on or before 30 September 2025 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/ucardspromo.
New payroll customers successfully apply Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard can enjoy extra $100 +FUN Dollars welcome offer. (*for new payroll customers only and equivalent to PayDay+ offer 12, please refer to its full terms & conditions)

When the new customer opens a Preferred Banking account and fulfilled all the requirements, the Bank will credit the relevant extra $100 +FUN Dollars to the relevant principal card account of the Eligible Payroll Customer according to the dates listed in the table below. The Preferred Banking account of the New Payroll Customers must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.

Card approval date	Fulfilment date
On or before 10 August 2025	On or before 31 December 2025
From 11 August to 31 October 2025	On or before 31 March 2026

Preferred Banking Offer 18

Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. Foreign exchange involves exchange rate risk. For details, please visit hangseng.com/depositspromo5

Preferred Banking Offer 19

The promotion period for the Offer is from 1 July 2025 to 30 September 2025, both dates inclusive (“Promotion Period”).

During the first 2 calendar months upon account opening or upgrade (“Designated Set Up Period”), the Eligible Preferred Banking Customers who successfully set up “Eligible Time Deposit(s)” with “Eligible New Fund Balance” and reach the specified cumulative deposit amount will be entitled to corresponding JPY Cash reward as specified in the table below.

Accumulated Eligible Time Deposit Amount (HKDE)	Cash Reward (JPY)
20,000	300
50,000	750
100,000	1,500
200,000	3,000
300,000	4,500
400,000	6,000

"Eligible New Fund Balance" refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to the new fund offer of Time Deposit within the last 15 calendar days. The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or joint name), will be counted towards the calculation of "Eligible New Fund Balance". The Bank reserves the right of final decision should there be any dispute in the definition of "Eligible New Fund Balance".

“Eligible Time Deposit(s)” refers to the Time Deposit(s) fulfilling all of the following requirements, excluding any the time deposits withdrawn prior to maturity:

Specified Time Deposit Tenor

3 months

Designated Foreign Currency

USD/AUD/CAD/GBP/NZD

Designated Set Up Channels and Transaction Time

Hang Seng Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App)
Transaction Time: 8am to 7:55pm, Mondays to Fridays, excluding any Sunday, Hong Kong public holiday, holidays of the country or region where the currency is issued, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning.

Designated Set Up Period

During the first 2 calendar months upon account opening or upgrade:

The month of Account Opening or Upgrade	Designated Set Up Period
July 2025	July to August 2025
August 2025	August to September 2025
September 2025	September to October 2025

The Accumulated Eligible Time Deposit Amount will be converted into the Hong Kong Dollar equivalent amount based on the exchange rate of each foreign currency solely determined by the Bank on 31 October 2025.
This offer will be calculated on a per-eligible customer basis. Each eligible customer can enjoy a maximum of JPY6,000 cash reward during the promotion period. In case the eligible account is a joint-named account, only the primary account holder can enjoy the offer.
The cash reward will be credited into the Japanese Yen (JPY) Savings Account(s) and/or Current Account(s) of each Eligible Preferred Banking Customers on or before 31 December 2025. At the time the cash reward is credited, eachEligible Preferred Banking Customers must continue to maintain valid integrated account with the Bank in his/ her sole name or in the capacity as the primary account holder in the case of a joint account or he/she will be deemed to have forfeited the right to receive the cash reward.
Except for the New Fund Time Deposit Offer, the Offer cannot be used in conjunction with other interest or exchange rate offers for the same currency.
Unless otherwise specified, the Offer is not applicable to corporate accounts customers.

Preferred Banking Offer 20

The promotion period is from 1 July 2025 to 30 September 2025.

Eligible Preferred Banking Customers can enjoy 8 units of Tracker Fund of Hong Kong (Stock Code: 2800)(“Free Shares Reward”) if he / she completed below items on/ before the last day of the 3rdmonth subsequent to the Preferred Banking opening/upgrade month:

Fulfill the “Designated Total Relationship Balance Growth Amount” requirement of HKD 10,000 or above; and
Successfully open securities accounts (personal/ joint) under Integrated Accounts of the Bank ("New Securities Accounts"), and all of 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 ("New Securities Customers"). If a New Securities Customer opens more than one New Securities Account during the Promotion Period, only New Securities Account with the earliest account opening date will be eligible for Free Shares Reward; and

Complete submission of “Local Securities – Client Consent” by all of the new securities account holders.

Types of Eligible Customers	Designated Total Relationship Balance Growth Amount	Securities Accounts	Free Shares Rewards
Customers who opened/upgraded to Preferred Banking	HKD10,000 or above	Open New Securities Accounts and complete submission of “Local Securities – Client Consent”	8 units of the Tracker Fund of Hong Kong

Each Eligible Preferred Banking Customers can enjoy Free Shares Reward of 8 units once only (“Free Shares”). In case of a joint named account, only the primary account holder can enjoy this offer.
The Free Shares Reward offer is provided by Hang Seng Bank. However, please note that Tracker Fund (stock code: 2800) (the “ETF”) is managed by Hang Seng Investment Management Limited (which is a wholly-owned subsidiary of the Bank), the ETF’s Trustee, Index Provider, one or more of the Participating Dealers and/or market makers currently also include members of the HSBC Group. Please refer to the prospectus documents of the ETF for details of the conflicts of interest in respect of the ETF that may arise (and the relevant product details including the risk disclosures).
Also, please note the relevant risks related to trading of odd lots, including if the proceeds of the odd lots selling order are less than the related charges, customer must pay the difference and bear the loss that may arise from. The processing time of odd lots trading is related to the stock liquidity and the number of odd lot shares. Due to the manual processing of odd lot orders, there is no definite range of price difference between the odd lots and the board lots; such orders may take longer to process and are not guaranteed to be executed. Normally, the execution price of an odd lot order will have several spreads worse than that of a board lot order. In addition, the Bank may only get quote(s) and execute the odd lot trade(s) for customers through one of the few brokers as may be designated by the Bank from time to time, while the Bank will act in customers’ best interests with relevant best execution factors taken into account in relation to customers’ order(s).
Regarding Eligible Preferred Banking Customers who are entitled to the Free Shares, the Bank will place orders to buy the Free Shares in the secondary market (Hong Kong Stock Exchange) in the names of such customers, and deposit the same into the New Securities Accounts of the such customers on or before the last day of the 5th month subsequent to the account opening/upgrade month. The deposited Free Shares will be shown as a “buy trade” in the Securities Account monthly statement of the relevant month.
The Eligible Preferred Banking Customers do not have to pay for any securities transaction fee involved for this “buy trade” of the Free Shares, including brokerage fees, securities deposit charges, nominee services fee and any third party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee etc. (collectively “Securities Transaction Fees”). If Eligible Preferred Banking Customers do not have other stock holdings except the Free Shares in the relevant New Securities Accounts, which with the Free Shares credited, during the period for 12 months since the deposit month, the custody fee for the same period will be waived.
This promotion and the offer of Free Shares Reward 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. There can be no guarantee, and no representation is made, on the performance of the Free Shares or as to whether losses would be incurred/profit would be made from the Free Shares. Customers must make their investment decisions in light of their own investment objectives, investment experience, financial situation or other needs etc., and (where necessary) should consult their own professional advisers before making any investment decisions.
Please note that in respect of the Free Shares deposited into the Securities Accounts of the relevant Eligible Preferred Banking Customers, customers are still subject to the fees and charges applicable to Securities Account, including custody fee (to be charged on a per account basis after expiry of the 12 months mentioned in paragraph f above) in respect of their securities holding and the relevant Securities Transaction Fee, transfer fee and/or capital gain tax etc. when they sell, transfer or otherwise dispose of the Free Shares in the future. For the details of our Securities Account fees and charges, please refer to Hang Seng Bank website > Investments > Securities> Securities Services Charges.
Completion time of the criteria set out in paragraph a above is subject to the Bank's record. The Bank will determine the eligibility of the customers to join the Promotion based on the record held by the Bank. In case of any disputes, the Bank’s record shall be final and conclusive.
Each Eligible Preferred Banking Customers who is entitled to the Free Shares Reward must maintain valid Preferred Banking account, New Securities Account and “Local Securities – Client Consent” until the Free Shares are deposited into the New Securities Account, otherwise such Free Shares will be forfeited. If an Eligible Preferred Banking Customers who is entitled to the Free Shares Reward has terminated the relevant Preferred Banking account or changed such account to a non-Preferred Banking or otherwise does not maintain a valid Preferred Banking account at the time the Free Shares are to be deposited into the New Securities Account, the Bank reserves the right to deduct from any accounts of the Eligible Preferred Banking Customers maintained with the Bank an amount equivalent to the value of the Free Shares Reward (as determined by the Bank at its sole discretion with reference to the market value of the Free Shares at the relevant date/time) without prior notice.
In case of any reason the Bank is unable to provide the Free Shares as reward under this offer, the Bank reserves the right to substitute the Free Shares with other reward(s) at any time without prior notice. The value or nature of the substitute reward(s) may differ from the Free Shares specified in these Terms and Conditions.

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.

Life Insurance Plan
This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the insurance products or services mentioned herein. Please refer to the promotion leaflets / flyers and policy provisions for the important information such as detailed coverage, exact terms and conditions and exclusions of the relevant Designated Life Insurance Plan.
Please refer to the product brochure for the relevant product risks.
The Designated Life Insurance Plan in Offer 8 is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority in Hong Kong. The Bank is an insurance agency authorised by Hang Seng Insurance for distribution of this plan, and the insurance product is a product of Hang Seng Insurance but not the Bank. Upon application for this plan, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide the Bank with commission and performance bonus as remuneration for distribution of this plan. The existing staff remuneration policy on sales offered by the 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 the Bank and you out of the selling process or processing of the related insurance product transactions, the 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.

General Insurance Plan
The general insurance plans in Offers 9, 10 and 11 are underwritten by Chubb, which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (Licence No.: FA3168) and authorised by Chubb for distribution of these plans. These plans are products of Chubb and not the Bank. Upon application of these plans, insurance premium will be payable to Chubb, and Chubb will provide the Bank with commission and performance bonus as remuneration for distribution of these plans. The existing staff remuneration policy on sales offered by the 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 the Bank and the customer out of the selling process or processing of the related transaction, the 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.
Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable.

Important Risk Warnings

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 loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.

Risk Disclosure of Investing in Securities
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 changes in many 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.

Risk Disclosure for TraHK

The Tracker Fund of Hong Kong ("TraHK") is an exchange-traded fund designed to provide investment results that closely correspond to the performance of the Hang Seng Index ("Index") but its return may deviate from that of the Index.
Investment involves risk, including risks of concentration of investments in shares in constituent companies of the Index, performance of the Index, economic, political and social developments, risks relating to investment in Hong Kong-listed stocks, and dual counter risks. Investors may lose part or all of their investments.
Due to fees and expenses of TraHK, liquidity of the market and tracking strategy adopted by the Manager, TraHK's return may deviate from that of the Index.
The trading price of TraHK may differ from the underlying net asset value ("NAV") per unit.
TraHK may not be suitable for all investors. Investors should not invest based on this website only. Investors should read TraHK's prospectus including all risk factors, consider the product features, their own investment objectives, risk tolerance level and other factors, and seek independent financial and professional advice as appropriate prior to making any investment.
The performance of TraHK, the NAV per unit and the performance by the manager and the trustee of their respective obligations are not guaranteed by the HKSAR Government. The HKSAR Government has given no guarantee or assurance that the investment objective of TraHK will be met.

Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
To borrow or not to borrow? Borrow only if you can repay!