Plan Smart! Maximise Every Dollar of Your Salary Switch your payroll to PayDay+ Earn up to 4.3% p.a. Savings Rate Join Preferred Banking to enjoy up to $2,700 in rewards
Plan Smart! Maximise Every Dollar of Your Salary Switch your payroll to PayDay+ Earn up to 4.3% p.a. Savings Rate Join Preferred Banking to enjoy up to $2,700 in rewards

Looking for a salary boost? Skip the job hunt.

Switch to PayDay+ for payroll offers with exceptional CP value, and the perks aren't over yet!
Join Preferred Banking on mobile to enjoy up to $2,700 in rewards.
What’s more? Switch your payroll to PayDay+ to earn up to 4.3% p.a. on HKD and Foreign Currency Savings Rate. Boosting your earnings has never been easier!
Unlock a suite of new exclusive offers curated just for PayDay+ customers (payroll customers). Maximise Earning, Maximise Saving, and Maximise Fun for exceptional CP value!

Switch to PayDay+ for exceptional CP value!
Maximise Every Dollar of Your Salary.

icon2

Earn up to 4.3% p.a. HKD Savings Rate New PayDay+ customers exclusive

Starting from 2 Jul, register for this offer via Hang Seng Mobile App during the promotion period and switch to PayDay+ for payroll service to earn up to 4.3% p.a. HKD Savings Rate for a maximum of 3 months.1
HKD Deposit Balance maintained in the Eligible HKD Savings Account Preferential HKD Savings Rate (p.a.)
First HKD300,000 or below 0.8%
Next HKD100,000 or below 4.3%
Register for this offer now via Hang Seng Mobile App:
Download and log on to Hang Seng Mobile App > Click "Latest Offers" under "Offers" in Main Menu > "Banking" > Click PayDay+ Promotion > Click "Register now" in the PayDay+ promotion page
Register for this offer now via Hang Seng Mobile App:
Download and log on to Hang Seng Mobile App > Click "Latest Offers" under "Offers" in Main Menu > "Banking" > Click PayDay+ Promotion > Click "Register now" in the PayDay+ promotion page
icon6

Earn up to 4.3% p.a. Foreign Currency Savings Rate2

No registration required, enjoy up to 4.3% p.a. preferential Savings Rate by depositing new funds to reach a minimum Eligible Incremental Balance of CAD/AUD/NZD2,000 or GBP1,000.

$0 monthly fee for unlimited fund subscription via SimplyFund in the first 3 months3

PayDay+ customers who subscribe to funds via SimplyFund and have a monthly average portfolio below HKD100,000 can enjoy 3 months of $0 monthly fees
iconb4

$0 brokerage fee for buying HK ETFs & US stocks and get brokerage fee coupon up to HKD1,888

1. $0 brokerage fee for buying HK ETFs
Securities customers with payroll can enjoy $0 brokerage fee when buying HK ETFs through online trading channels4
2. $0 brokerage fee for buying US stocks
Securities customers with payroll can enjoy $0 brokerage fee when buying US stocks through Hang Seng Invest Express5
3. “Scratch Reward” for 100% chance to get brokerage fee coupon up to HKD1,888 New PayDay+ customers exclusive
New Securities customers with payroll can enjoy $0 brokerage fee for online buy and sell trades of HK stocks, US stocks and A-shares in the first 3 months starting from the account opening. Join “Scratch Reward” automatically thereafter, and win brokerage fee coupons up to HKD1,8886
iconb2

$0 Fees on Foreign Currency Notes Withdrawal and Deposit Services7

PayDay+ customers can enjoy handling fee waiver for foreign currency notes withdrawal and deposit services.
iconb1

$0 Fees on Everyday Mobile Banking Services*

  • $0 fees on local fund transfer, payment and credit card repayment. Manage all your everyday banking services right at your fingertips with just one app
  • $0 fees on fund transfer to other accounts in foreign currencies, e.g. fund transfer in local currencies to 50+ designated countries or regions via Global Money+
* Everyday Mobile Banking services refer only to the services available on Hang Seng Mobile App (except Securities, Investment, Card, Lending, Insurance and MPF services). Hang Seng will not impose service fees on foreign currency transfers via Hang Seng Mobile App (except for transfers to over 50 designated countries or regions in non-local currency, or transfers to non-designated countries or regions with Global Money+), but some transfers may involve charges from other third-party banks or institutions. For details, please refer to Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.

Invest funds and foreign currency with $1 dollar

Hang Seng Mobile App offers a variety of low-threshold investment products and forex services for selection, including:
  • SimplyFund small investment as a first step to invest funds with HKD1
  • Set your alerts for your ideal rates via FX Order Watch from US$1 and enjoy hassle-free currency exchange with our 24/7 service
iconb5

Successfully enrol in an insurance plan to enjoy 5x +FUN Dollars, up to 30% off and other offers

1. Earn 5x +FUN Dollars upon successful online application for a qualifying deferred annuity plan8
  • The eIncomePro Deferred Annuity Plan (100% Guaranteed) provides monthly guaranteed annuity income with a guaranteed internal rate of return 3.02% – 3.30% for 10 years.
  • Successfully apply eIncomePro Deferred Annuity Plan (100% Guaranteed) online with promo code using eligible Hang Seng credit card to enjoy 5x +FUN Dollars / yuu Points.
2. Enjoy up to 30% off on first-year premium and extra e-Gift voucher upon successful application for a travel insurance plan9
Successfully apply ‘Travelsure Protection Plan’ Annual Trip Coverage with promo code and enjoy Premium Discount up to 30% off and e-Gift voucher up to designated HKD400. Travel for less, save to the max.
  • Medical and Personal Accident coverage^
  • Personal Property coverage^
  • Travel delay and re-routing coverage^
^ The maximum annual benefits of the designated insurance plans may vary. For details, please refer to the policy terms and conditions.
3. Enjoy up to 15% off on first-year premium and extra e-Gift voucher upon successful application for an accident insurance plan9
Successfully apply ‘Personal Accident Protection Plan’ with designated promo code and enjoy Premium Discount up to 15% off and e-Gift voucher up to HKD150.
  • Travel accident coverage^
  • Personal accident coverage^
  • Accidental medical expenses^
  • Personal liability coverage^
^ The maximum annual benefits of the designated insurance plans may vary. For details, please refer to the policy terms and conditions.
iconb3

Apply for designated credit cards to enjoy an extra $100 +FUN Dollars10 New PayDay+ customers exclusive

Successfully apply for a Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard to enjoy up to an extra $100 +FUN Dollars.
iconb6

Enjoy an extra reward of up to HKD8,800 and additional cash rebates upon successful application for Personal Instalment Loan and mortgages

1. Successfully apply for Personal Instalment Loan to enjoy extra up to HKD8,800 cash rebate11
2. Successfully apply and drawn down for a private residential mortgage loan to enjoy additional cash rebates12

Get a Preferred Multi-Currency Debit Mastercard® and enjoy 0.5% unlimited cash rebate limited-time offer on all spending

  • Enjoy exclusive 0.5% unlimited cash rebate on eligible purchases until 25 September 202513
  • Get foreign currency at favorable rate and enjoy $0 transaction fees for overseas spending14
Get card now via Hang Seng Mobile App:
Download and log on to Hang Seng Mobile App > Tap "Cards" on the left menu > "Card Application" > "Debit Card Application" then select "Apply Now"
Get card now via Hang Seng Mobile App:
Download and log on to Hang Seng Mobile App > Tap "Cards" on the left menu > "Card Application" > "Debit Card Application" then select "Apply Now"

Spend with Preferred Multi-Currency Debit Mastercard® and earn up to HKD13,800 in cash rebates on designated spending

Spend at designated local and overseas merchants and meet the specified spending requirements to earn up to HKD13,800 cash rebate15
icon6

Join “Everyday Air Ticket Lucky Draw”* and win flight tickets every day!
5 extra lucky draw chances for payroll customers!

Hang Seng credit cardholders who meet the specified requirements can participate in the “Everyday Air Ticket Lucky Draw”, with a chance to win flight tickets every day. Payroll customers can get 5 extra lucky draw chances. The more you spend, the more chances you have! 16
*The number of air tickets equivalent to the number of calendar days within the relevant promotion period will be offered for lucky draw.
icon

Check out the latest offers and let them carry you to maximise every dollar of the salary!