Year-end is almost here! While planning your getaway to recharge,
don’t forget to plan smarter than ever. Maximise your earnings before takeoff so you can maximise fun all the way.
Hang Seng Preferred Banking offers exceptional CP value and maximise your travel budget.
Open an account on mobile and enjoy up to $2,700 in rewards plus a Hang Seng Travel Pack,
with benefits on foreign exchange, travel insurance, and overseas spending to maximise the value of every dollar.





Earn up to 5% p.a. on HKD Savings Rate1
HKD Deposit Balance maintained in the Eligible HKD Savings Account | Preferential HKD Savings Rate (p.a.) |
---|---|
First HKD300,000 or below | 1.0% |
Next HKD100,000 or below | 5.0% |


Earn up to 5% p.a. Foreign Currency Savings Rate 2

Enjoy up to 12.0% p.a. 1-week time deposit rate by exchanging JPY, EUR and CNY in Hang Seng Mobile App3
Designated Currency | Foreign Currency Savings Interest Rate(p.a.)* |
---|---|
JPY | Up to 8% |
EUR | Up to 8% |
RMB | Up to 12% |

Earn up to $1,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan4

Successfully opening a SimplyFund Account can get fund units with value of HKD205

$0 brokerage fee for buying US stocks

$0 brokerage fee for buying HK ETFs

Spend with Preferred Multi-Currency Debit Mastercard® to enjoy $0 transactions fees for overseas spending8

Spend with Preferred Multi-Currency Debit Mastercard® to enjoy Bank’s Cost Price when exchanging JPY/EUR and up to a HK$6,900 accumulated cash rebate for designated spendings
Spend with Hang Seng Multi-Currency Debit Mastercard® can enjoy Bank’s Cost Price9 for the foreign exchange on JPY or EUR spending and earn up to a HK$6,900 accumulated cash rebate10 for designated local and overseas spendings - spend smarter, earn more11

Successfully enrol in an insurance plan to enjoy up to 30% off discount and other e-Gift voucher12
- Successfully apply for the “Travelsure Protection Plan” Annual Trip Coverage using a promo code “HASE23” to enjoy a premium discount of up to 30% off and an e-Gift voucher of up to HKD400
- Successfully apply for the Home Care Plus Home Insurance Plan with promotion code “H20HCD1” to enjoy a premium discount of up to 20% off and an e-Gift voucher of up to HKD300


Open or Upgrade to Preferred Banking Now to Earn Extra Rewards




From 1 October 2025 to 31 December 2025,
new customers13 can enjoy up to HKD2,70014 in rewards!

Open an account via mobile with initial fund-in of HKD1,000 to receive HKD200 cash rebate16

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD1,70017
Designated “Total Relationship Balance” Growth Amount | Total Relationship Balance Growth Reward | Payroll Reward^ | Total Cash Rebate |
---|---|---|---|
HKD100,000 or above – Below HKD200,000 |
HKD200 | HKD500 | Up to HKD700 |
HKD200,000 or above – Below HKD500,000 |
HKD600 | HKD500 | Up to HKD1,100 |
HKD500,000 or above | HKD1,200 | HKD500 | Up to HKD1,700 |

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement18,19,20,21
Designated credit card | New customers successfully apply and fulfill 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 |
University / College Affinity Credit Card | Up to $700 +FUN Dollars | Not Applicable | Up to $700 +FUN Dollars |

Set up foreign currency time deposit to enjoy Preferential Interest Rate and up to JPY6,000 Cash Reward22,23
- Enjoy a preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance22
- New customers who set up Eligible Time Deposit(s)* reaching the specified accumulative amount will receive up to JPY6,000 Cash Reward23:
Accumulated Eligible Time Deposit Amount (HKD or equivalent) |
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 |

Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK)25
- Fulfil the "Designated Total Relationship Balance Growth Amount" requirement of HKD10,000 or above; and
- Open a new securities account under the relevant Preferred Banking account
- Complete submission of "Local Securities - Client Consent" by all of the new securities account holders
From 1 October 2025 to 31 December 2025,
existing customers who upgrade to a Preferred Banking account
can enjoy up to HKD2,70015 in rewards

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD1,70017
Designated “Total Relationship Balance” Growth Amount | Total Relationship Balance Growth Reward | Payroll Reward^ | Total Cash Rebate |
---|---|---|---|
HKD100,000 or above – Below HKD200,000 |
HKD200 | HKD500 | Up to HKD700 |
HKD200,000 or above – Below HKD500,000 |
HKD600 | HKD500 | Up to HKD1,100 |
HKD500,000 or above | HKD1,200 | HKD500 | Up to HKD1,700 |

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement18,19,20,21
Designated credit card | New customers successfully apply and fulfill 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 |
University / College Affinity Credit Card | Up to $700 +FUN Dollars | Not Applicable | Up to $700 +FUN Dollars |

Set up foreign currency time deposit to enjoy Preferential Interest Rate and up to JPY6,000 Cash Reward22,23
- Enjoy a preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance22
- Upgrade customers who set up Eligible Time Deposit(s)* reaching the specified accumulative amount will receive up to JPY6,000 Cash Reward23:
Accumulated Eligible Time Deposit Amount (HKD or equivalent) |
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 |

Register for e-Banking and e-Statement, and complete designated missions to receive up to HKD200 e-Voucher24
- Eligible designated customers who register for personal e-Banking and e-Statement will receive HKD100 e-Voucher.
- After completing the registration, you can earn an additional HKD50 e-Voucher for each of the following missions completed via the Hang Seng Mobile App*. Each customer can receive up to a total of HKD100 e-Vouchers.
- Make a transfer of HKD100 or above via FPS^ and set Hang Seng as your FPS^ default receiving bank
- Make a bill payment of HKD100 or above via "Pay bills"
- Redeem a voucher via +FUN Shop
^ FPS (Faster Payment System) is a real-time payment platform provided by Hong Kong Interbank Clearing Limited. The service limits to receiving banks that support.

Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK)25
- Fulfil the "Designated Total Relationship Balance Growth Amount" requirement of HKD10,000 or above; and
- Open a new securities account under the relevant Preferred Banking account
- Complete submission of "Local Securities - Client Consent" by all of the new securities account holders

Enjoy Preferred Banking with no balance fee
Open a Preferred Banking Account in just 5 minutes#



Register personal e-Banking and open Hang Seng Mobile App. Select "Account Services" from the main menu, and click "Open / Upgrade an Account". Verify your identity and fill in the personal details needed for mobile account opening to complete the process.
For principal holders of Hang Seng Credit Cards*, please refer to the "Open account" process.
# | The actual time required may vary depending on individual circumstances. Mobile Account Opening / Upgrade is not available to customers who only hold Hang Seng joint-named Integrated Accounts or already hold a sole-named Prestige Banking account.
Customers holding savings, current, time deposit accounts or any Integrated Accounts who wish to upgrade their accounts with Hang Seng Mobile App shall first register personal e-Banking and log on to the app.
Please visit here for details of e-Banking registration.
Please visit Hang Seng Bank > Personal Digital Services >Personal Banking mobile app > Mobile Security Key and Biometric > Authentication for details of e-Banking registration.
Customers who are new to Hang Seng can make deposits right away after successful Mobile Account Opening, full banking services (e.g. cash withdrawal from account) will be available after 2 working days and ATM card will be dispatched by mail within 5 working days. If you are existing Hang Seng customers, you can enjoy full banking services right away after successful Mobile Account Opening. If you are upgrading your existing Integrated Account or Preferred Banking account to Preferred or Prestige Banking, your application will be processed within 2 to 3 working days. |
* | Do not hold any savings, current, time deposit accounts or any Integrated Accounts |