Hang Seng Preferred Banking | Up to $9,100 rewards

Hang Seng Preferred Banking Got Your Back, Every First Step No. 1 Preferred Local Bank Open an account on your mobile and enjoy rewards of up to $9,100

Open a Hang Seng Preferred Banking account on your mobile in as fast as 5 minutes and enjoy rewards of up to $9,100.

Hang Seng Preferred Banking has got your back in every first step you take. As the No.1 Preferred Local Bank¹, Hang Seng Preferred Banking is a partner you can always count on. With the newly upgraded Hang Seng Mobile App, you can effortlessly stay in control of your assets and investments as you unlock your first step in wealth management. With a range of curated offers on payroll service, investments and wealth management supporting you along the way, you can get closer to your financial goals and unlock more “firsts” in life.

Upgraded Hang Seng Mobile App

Payroll &
investment offers

Account opening
rewards of up to $9,100

Referral rewards

Upgraded Hang Seng Mobile App

Unlock your first step in financial management

View “My Portfolio”^* at a glance: Get an overview of your deposits, investments and +FUN Dollars in one place.

*My Portfolio (ledger balance) may include cheques deposited into the account that have not yet cleared for withdrawal and other incoming payments not yet reflected in your available balance.

Unlock your first step in investing

Get personalized Smart Tips – such as how investors like you allocate their assets to help your explore wealth options/products that may suit your needs.

Learn more

Payroll & investment offers

【Applicable to New Payroll Customers】
Register and switch to PayDay⁺ to enjoy HKD2,000 welcome cash reward¹

From 2 July 2026 to 30 September 2026, register for this offer via the Hang Seng Mobile App and switch to Hang Seng for payroll service by 31 October 2026 to enjoy HKD2,000 cash reward:

No minimum salary requirement
No extra tasks

Phase 1: 3 Consecutive Months of Payroll Record (including first payroll record)	HKD1,000
Phase 2: 9 Consecutive Months of Payroll Record (starting from the month following Phase 1)	HKD1,000
Total (Phase 1 + Phase 2)	HKD2,000

Learn more about
PayDay⁺ offers

Download and log on to the Hang Seng Mobile App > Click "Latest Offers" under "Offers" in Main Menu > "Banking" > PayDay⁺ Promotion > Click "Register now" in the PayDay⁺ promotion page

All-round exclusive privileges for payroll customers

【Applicable to New Payroll Customers】 Earn extra $100 +FUN Dollars upon successful application of designated credit cards and fulfillment of designated spending requirement²

Earn a HKD400 cash reward when you successfully refer friends and family to switch to PayDay⁺ payroll service³²

Enjoy a $0 brokerage fee for HK ETFs³ and US stocks⁴ buy trades on online trading channels

Enjoy additional cash rebate upon successful application and drawdown of a private residential mortgage⁵

Enjoy 30% first-year premium discount and HKD400 e-Gift voucher upon successful application for the Travelsure Protection Plan (Annual Global Cover)⁶

Learn more about
PayDay⁺ offers

A range of low-threshold investment products to kick-start your investment journey

Trade via SimplyStock with $0 brokerage fee⁷

Just a monthly fee of HKD30 for freely trades among HK stocks/US stocks/A-shares.No hidden fee is charged. If there is no securities transaction in the current month, no monthly fee will be charged for holdings

Start your investment with HKD1 only via SimplyFund

Covering Global, mainland China and Hong Kong markets, including gold, index, equity, bond or balanced funds to meet your investment needs

Simply Trade. Simply Grab.

From now till 31 December 2026, make a stock trade via SimplyStock or subscribe for funds via SimplyFund and you’ll be automatically entered into “Simply Grab” for a chance to win great prizes every month!³⁴

Learn more about “Simply Grab”

Hang Seng Invest Express mobile app upgraded features

“Personalise Stock Insights”

Provides popular stock picks from Top 5% performers among Hang Seng investors

“Stock Screener”

With “Featured Strategies”, stay closely aligned with market trends or you can customise your strategy and shortlist your preferred stocks/ETFs with over 120 filters with ease

More exciting offers for Securities Customers

$0 brokerage fee⁸ and extra up to 8% p.a. new fund savings rate⁹ for New Securities Customers

Enter a US stock lucky draw with a chance to win designated US stock with approx. value up to HKD38,000¹⁰

Join “Scratch Reward” for chances to win brokerage fee coupon valued up to HKD888¹¹

Account opening
rewards of up to $9,100

New customer

Existing customer

Open an account via mobile with initial fund-in of HKD20,000 to receive HKD200 cash rebate¹²

New Customer who successfully opens Preferred Banking account via Hang Seng Mobile App with initial fund-in of HKD20,000 or above into the Eligible Deposit Account within the month of account opening, maintains the balance until the second month after account opening month, and successfully registers e-Banking will be entitled to HKD200 cash reward.

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500¹³

Deposit and maintain the designated “Total Relationship Balance” Growth Amount within specified months (as shown in the table below):

Designated “Total Relationship Balance” Growth Amount	Total Relationship Balance Growth Reward
HKD50,000 or above – Below HKD100,000	HKD300
HKD100,000 or above – Below HKD200,000	HKD500
HKD200,000 or above – Below HKD500,000	HKD1,500
HKD500,000 or above	HKD3,500

PayDay⁺ HKD2,000 welcome cash reward¹

From 2 July 2026 to 30 September 2026, Preferred Banking customers who register for this offer via the Hang Seng Mobile App, and switch to Hang Seng for payroll service by 31 October 2026 can enjoy HKD2,000 cash reward. No minimum salary requirement or extra tasks!

Phase 1: 3 Consecutive Months of Payroll Record (Including First Payroll Record)	HKD1,000
Phase 2: 9 Consecutive Months of Payroll Record (starting from the month following Phase 1)	HKD1,000
Total (Phase 1 + Phase 2)	HKD2,000

* Registration path: Log on to the Hang Seng Mobile App > Click "Latest Offers" under "Offers" in main menu > "Banking" > Click PayDay⁺ promotion > Click "Register now" in the PayDay⁺ promotion page

10% p.a. HKD New Fund Time Deposit Lucky Draw¹⁴

Eligible Customers placing HKD new fund 2-month Time Deposit(s) via Online Banking and completing the below designated item(s) during the Designated Period^* is entitled to receive the corresponding lucky draw entry to boost the Total Interest Rate on that time deposit (up to HKD100,000) to 10% p.a.¹⁴!

Designated Item		Number of lucky draw entry upon completion	Maximum number of lucky draw entry obtainable
1	Become a New PayDay⁺ Payroll Customer	5	5
2	Successfully complete a single foreign currency exchange transaction of HKD5,000 equivalent or above via Online Banking	1	5
3	Total Relationship Balance in November reaches HKD50,000 or above	1	1

* Designated Period refers to the period from the account opening/upgrade date to 31 October 2026

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^{2, 15, 16, 17}

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 Credit Card	Up to $700 +FUN Dollars	Not Applicable	Up to $700 +FUN Dollars

* For New Eligible Payroll Customers, please visit hangseng.com/cardc1 for details.

FX coupon

Enjoy the bank’s cost price¹⁸ by conducting designated foreign currency exchange with your exclusive FX coupon via Hang Seng Mobile App. No registration required. No extra tasks.

Limited-time Student Offer: Get an extra HKD200
e-voucher

From now until 30 September 2026, open a new Preferred Banking account via the Hang Seng Mobile App, enter promo code "HS017" and select "Student" in "Employment role", will receive an extra HKD100 e-voucher²²

Additionally, you can earn a HKD50 e-voucher upon successfully applying the primary Preferred Multi-Currency Mastercard, and an extra HKD50 e-voucher after using the debit card to make any eligible retail transaction (no spending amount requirement) on or before 15 October 2026

Remarks: Preferred Banking account customers must be aged 18 or above.

Register for e-Banking and e-Statement, and complete designated missions to receive up to HKD100 e-Voucher¹⁹

Step 1: Eligible designated customers who register for personal e-Banking and e-Statement will receive HKD50 e-Voucher.
Step 2: After completing the registration, you can earn an additional HKD50 e-Voucher for either two of the following missions completed via the Hang Seng Mobile App.

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 “Bill Payment”^*
Set up Direct Debit Authorisation* / Recurring Transfers (Standing Instruction)
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.
^* Designated customers can set up Direct Debit Authorisation / make a bill payment via Hang Seng Mobile App or desktop e-Banking. These transactions are eligible and qualify for rewards.

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500¹³

Deposit and maintain the designated “Total Relationship Balance” Growth Amount within specified months (as shown in the table below):

Designated “Total Relationship Balance” Growth Amount	Total Relationship Balance Growth Reward
HKD50,000 or above – Below HKD100,000	HKD300
HKD100,000 or above – Below HKD200,000	HKD500
HKD200,000 or above – Below HKD500,000	HKD1,500
HKD500,000 or above	HKD3,500

PayDay⁺ HKD2,000 welcome cash reward¹

Phase 1: 3 Consecutive Months of Payroll Record (Including First Payroll Record)	HKD1,000
Phase 2: 9 Consecutive Months of Payroll Record (starting from the month following Phase 1)	HKD1,000
Total (Phase 1 + Phase 2)	HKD2,000

10% p.a. HKD New Fund Time Deposit Lucky Draw¹⁴

Designated Item		Number of lucky draw entry upon completion	Maximum number of lucky draw entry obtainable
1	Become a New PayDay⁺ Payroll Customer	5	5
2	Successfully complete a single foreign currency exchange transaction of HKD5,000 equivalent or above via Online Banking	1	5
3	Total Relationship Balance in November reaches HKD50,000 or above	1	1

* Designated Period refers to the period from the account opening/upgrade date to 31 October 2026

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^{2, 15, 16, 17}

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 Credit Card	Up to $700 +FUN Dollars	Not Applicable	Up to $700 +FUN Dollars

* For New Eligible Payroll Customers, please visit hangseng.com/cardc1 for details.

FX coupon

Enjoy the bank’s cost price¹⁸ by conducting designated foreign currency exchange with your exclusive FX coupon via Hang Seng Mobile App. No registration required. No extra tasks.

$9,100 rewards at a glance

Open an account via mobile with initial fund-in of HK$20,000 to receive HKD200 cash rebate¹²
Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500¹³
Register and switch to PayDay⁺ for payroll service to enjoy HKD2,000 welcome cash reward¹
Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^{2, 15, 16, 17}
Newly open securities account and meet the specified requirements can enjoy 8 shares designated stock (approximate value HKD200)²⁰
Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan²¹
Enjoy 30% first-year premium discount and HKD400 e-Gift voucher upon successful application for the Travelsure Protection Plan (Annual Global Cover)⁶

Campaign Video

"Got Your Back, Every First Step" Campaign Video

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

Open account

Upgrade account

Download and open the Hang Seng Mobile App. Choose "Mobile Account Opening" from the first or second page of "Featured quick links". Verify your identity and fill in your details to complete the account opening!

Tips:

Have your adult HKID card ready

Capture your HKID Card

Tips:

	Following the demonstration, hold your HKID card by the edges with two fingers for better control when adjusting the angle
	Avoid overly bright or dim lighting to prevent shadows or glare

Capture your HKID Card

Tips:

	Ensure the HKID card stays within the scanning frame
	Keep all details on the card clearly visible
	Avoid using a digital screen as the background

Take a Selfie

Tips:

	No hats or masks to keep your face visible
	Glasses are fine, but avoid glare on the lenses

Take a Selfie

Tips:

	Hold your phone at eye level and keep your face centred in the scanning frame
	Ensure good lighting for a smooth, one-take selfie

Download and open the Hang Seng Mobile App. Choose "Mobile Account Opening" from the first or second page of "Featured quick links". Verify your identity and fill in your details to complete the account opening!

Tips:

Have your adult HKID card ready

Capture your HKID Card

Tips:

	Following the demonstration, hold your HKID card by the edges with two fingers for better control when adjusting the angle
	Avoid overly bright or dim lighting to prevent shadows or glare

Capture your HKID Card

Tips:

Ensure the HKID card stays within the scanning frame

Keep all details on the card clearly visible

Avoid using a digital screen as the background
Take a Selfie

Tips:

No hats or masks to keep your face visible

Glasses are fine, but avoid glare on the lenses
Take a Selfie

Tips:

Hold your phone at eye level and keep your face centred in the scanning frame

Ensure good lighting for a smooth, one-take selfie

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

Preferred Banking
Referral Rewards

Referral Reward: Refer Friends and
earn HKD200 cash reward per successful referral³³！
Earn extra HKD400 cash reward when you successfully refer friends and family to switch to PayDay⁺ payroll service³²！

Referrer reward

Referee reward

Eligible customers who refer friends to open a new Preferred Banking account can earn cash reward! Refer more, earn more!^*

Referrer only need to complete a simple task: eligible customers who successfully refer a friend to open a new Preferred Banking account can enjoy a HKD200 cash reward once the referee completes a simple deposit requirement!

Customers who successfully refer friends and family to switch to PayDay⁺ payroll service can also earn a HKD400 cash reward.

*Each referrer can refer up to 3 referees during the promotion period and receive up to total HKD600 in cash rewards.

Apply Now

New customers who open Preferred Banking account through a referral from family or friends and complete simple tasks can enjoy a HKD200 cash reward!

Referee who opens Preferred Banking account, registers e-Banking, and fulfils designated deposit requirements within promotion period can enjoy HKD200 cash reward. Together with other Preferred Banking welcome rewards, referee can receive rewards of up to HKD 9,300 in total.

Apply Now

More Wealth Management Rewards

Apply online with promo code “3KURF8” to enjoy an 8-month premium waiver in the first year for the eFamilyPro Life Insurance Plan²³
Up to 17% p.a. 1-week time deposit rate by exchanging designated currencies in Hang Seng Mobile App / Hang Seng Personal e-Banking and setting up 1-week foreign currency deposit at the same time²⁴
New fund time deposit preferential interest rate²⁵
Free fund units reward with value of HKD20 for eligible customers who newly opened SimplyFund account and satisfied designated requirements²⁶
Successfully opened an Investment Fund Account and subscribed for funds via digital channel can enjoy a 0% Fund Subscription Fee Offer for up to the designated accumulated subscription amount on the first transaction day within the first 30 days upon account opening²⁷
Successfully completed the first online subscription for designated investment products via digital channel can enjoy up to 8% p.a. bonus interest rate for the first month/week and receive a total cash reward of up to HKD3,400²⁸
Successfully subscribed to designated investment products or completed designated investment services will receive one lucky draw chance each with a maximum of 20 entries in total, to win fabulous rewards such as a HKD10,000 Klook gift card²⁹
Spend with Preferred Multi-Currency Debit Mastercard^® to
1. enjoy $0 fees on foreign currency transactions and cash withdrawals³⁰
2. earn up to a HKD5,410 accumulated cash rebate on designated local and overseas merchants³¹

The information of No.1 Preferred Local Bank is based on an online survey conducted by YouGov in January 2026 among 1,018 Hong Kong residents aged 18 and above who have a bank account. Among them, 63% of Hang Seng Bank customers agreed that Hang Seng Bank is their preferred bank for handling everyday banking services.

The No.1 investment product categories among local banks is according to a survey conducted by Cimigo Limited between 19th November 2025 and 9th December 2025, among the 24 licensed banks incorporated in Hong Kong (excluding digital banks) with reference to the list of licensed banks incorporated in Hong Kong published on the official website of the Hong Kong Monetary Authority, Hang Seng Bank Limited attained No.1 ranking in the range of online investment product category selections among local retail banks.

To borrow or not to borrow? Borrow only if you can repay! Investment involves risks. 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 another currency (including Hong Kong Dollar) upon maturity.

If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
Enquiry and Trading Hotlines - Hang Seng Bank

Terms and Conditions apply to all the products/services and offers above. Please click here for detailed Terms and Conditions of Preferred Banking Promotion.

The promotion is intended for persons in Hong Kong.

The promotion period is from 2 July 2026 to 30 September 2026, for new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Phase 2 of the offer will commence in the calendar month immediately following the completion of Phase 1 (e.g. if Phase 1 runs from July to September, Phase 2 will commence in October). Terms and conditions apply, please visit hangseng.com/usage18 for details.
The offer is for new payroll customers who have their first payroll recorded between 1 July 2026 to 30 September 2026. Eligible payroll customers must successfully apply for a Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard and obtain approval between the date of the first payroll record and the end of the subsequent calendar month. Upon meeting the spending requirements for the welcome offer, eligible customers will receive an extra $100 +FUN dollars on top of the welcome offer of up to $700 +FUN dollars. Terms and conditions apply, please visit hangseng.com/cardc1 for details. To borrow or not to borrow? Borrow only if you can repay!
From 1 July 2026 to 30 September 2026, eligible payroll customers with securities account can enjoy a $0 brokerage fee for buy HK ETFs which are conducted through our online trading channels. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. HK ETFs refer to all ETFs listed and traded on The Stock Exchange of Hong Kong Limited (“SEHK”). Investment involves risks. Services and offers are subject to terms and conditions. For details, please refer to hangseng.com/stockoffer.
From 1 July 2026 to 30 September 2026, eligible payroll customers with securities account can enjoy a $0 brokerage fee for buy US stocks which are conducted through the Hang Seng Invest Express mobile app. Investment involves risks. Services and offers are subject to terms and conditions. For details, please refer to hangseng.com/stockoffer.
Eligible payroll customers who successfully apply for a private residential mortgage loan during 1 July 2026 to 30 September 2026 and draw down the mortgage loan (loan amount must be HKD 3,000,000 or above) on or before 31 March 2027 and also maintain a valid payroll record on 30 June 2027 will be entitled to additional cash rebate. Terms and conditions apply, please visit hangseng.com/usage9 for details. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from 1 July 2026 to 30 September 2026. Terms and conditions apply to the promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the terms and conditions of the promotion offer, please visit hangseng.com/gi2.
SimplyStock is designed for investors aged 18 to 30. With just a monthly fee of HKD30, trade HK Stocks, US Stocks and A Shares with $0 brokerage fee (for monthly total trading amount up to HKD300,000).
The promotion period is from 1 July 2026 to 30 September 2026. All 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. Enjoy $0 brokerage fee for buy and sell trades of HK stocks / US stocks / A shares which are conducted through our online trading channels in the first 3 months starting from the account opening date. Investment involves risks. Terms and conditions apply. For details, please visit hangseng.com/stockoffer.
The promotion period is from now till 31 December 2026. Enjoy up to extra 8% p.a. preferential savings rate for 1 month by buying HK stocks or US stocks and depositing new funds in corresponding currency. The offer is for Eligible Incremental Balance of designated amount in the corresponding currency during designated period. Investment and foreign exchange involve risks. Terms and conditions apply. For details, please visit hangseng.com/stockoffer.
The promotion period is from 1 July 2026 to 30 September 2026. Preferred Banking customers who submit HKIDR Consent Form and W-8BEN Substitute Form within 1 month of securities account opening will be automatically entered into the US stock lucky draw to win Vanguard S&P 500 ETF (NYSE: VOO) (approx. value up to HKD38,000). The stock prices are calculated based on its market closing price per share on 1 June 2026. Investment involves risks. Terms and conditions apply. For details, please refer to hangseng.com/stockoffer.
The promotion period is from 1 September 2026 to 31 December 2026. Customers trading HK stocks / US stocks / A shares through any securities trading channel of the Bank can get a scratch card for each transaction. Log onto Hang Seng Invest Express mobile app to scratch your card for a chance to win and use a brokerage fee coupon, get up to full brokerage fee waiver on your next trade. There is no limit on the number of coupons to be received. Investment involves risks. Terms and conditions apply. For details, please refer to hangseng.com/stockoffer.

The promotion period is from 1 July 2026 to 30 September 2026. Each New Preferred Banking Customer who successfully opens Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HKD20,000 or above within the month of account opening into the corresponding Hong Kong Dollar Savings/Current Account, and maintains the deposit balance in Eligible Deposit Account until the second month after account opening month, and successfully registers e-Banking will be entitled to HKD200 reward. Terms and conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Promotion. Timetable:

Account opening month	Deposit fund-in period	Deposit maintenance period	Date of cash reward rebate
July 2026	On or before 31 July 2026	1 August to 30 September 2026	On or before 31 March 2027
August 2026	On or before 31 August 2026	1 September to 31 October 2026
September 2026	On or before 30 September 2026	1 October to 30 November 2026

The promotion period is from 1 July 2026 to 30 September 2026. New Preferred Banking Customers/upgrade customers fund-in and maintain the designated amount and according to designated month(s) (as shown in the table below) to enjoy up to HKD3,500 cash rewards. Terms and Conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Promotion. The designated month:

Date of opening/upgrading to Preferred Banking	Month of comparing designated “Total Relationship Balance” Growth Amount	Months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled
July 2026	June 2026	September 2026 – November 2026
August 2026	July 2026	October 2026 – December 2026
September 2026	August 2026	November 2026 – January 2027

The promotion period is from 1 July 2026 to 30 September 2026. Eligible Preferred Banking Customers placing HKD 2-month time deposit(s) with “Eligible New Fund Balance” of HKD10,000 or above via Online Banking (including Hang Seng Mobile App or Hang Seng Personal e-Banking) and completing the designated item(s) from the account opening/upgrade date to 31 October 2026, is entitled to receive the corresponding number of lucky draw entry to boost the Total Interest Rate on that time deposit (up to HKD100,000) to 10% p.a.. 300 winners will be drawn on a random basis on or before 31 January 2027. Terms and conditions apply. For details, please refer to the Terms and Conditions of Preferred Banking Promotion.
The promotion period is from now to 31 December 2026. Customers who have successfully applied for Hang Seng Travel+ Visa Signature Card during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/travelplus. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from now to 31 December 2026. Customers who have successfully applied for Hang Seng MMPOWER World Mastercard during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/mmpower. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from now to 31 December 2026. Customers who have successfully applied for University/College Credit Card during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/ucardspromo. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from 1 July 2026 to 30 September 2026. The FX coupon is applicable to a single foreign currency exchange transaction of HKD1,000 to HKD5,000 (or equivalent) in designated currencies. Bank’s cost price refers to the foreign exchange rate without any sales margin normally charged by the Bank. Any other mark-up applied to the exchange rate for operational reasons will not be waived. Visit hangseng.com/onlinefx for more details. Terms and conditions apply. FX involves risk.
The promotion period is from 1 July 2026 to 30 September 2026. For Eligible Designated Customers only. Terms and conditions apply. Please visit hangseng.com/ebankingoffer2 for more details.
The promotion period is from 1 July 2026 to 30 September 2026. Investments involve risks. Terms and Conditions apply. For details, please visit hangseng.com/stockoffer. Also, please note the relevant risks related to trading of odd lots.The approximate stock value is calculated based on its market closing price per share on 1 June 2026.
The promotion period is from 1 July 2026 to 30 September 2026. Services and offers are subject to terms and conditions. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the IA as QDAP. However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of the Plan does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. The product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. For +FUN Dollars/yuu Points received from applying for the Qualifying Deferred Annuity Plan (“QDAP”), the conversion rates of “each $1 +FUN Dollar represents HK$1 and each yuu Point represents HK$0.005” will be applied for the calculation of deduction, and will be reflected in the annual summary of QDAP. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at www.ia.org.hk. Please note the relevant product risks, credit risks and early surrender loss. The tax amount shall be determined by the IRD. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from 7 August 2026 to 30 September 2026. Terms and conditions apply. For details, please visit hangseng.com/camp15.
The promotion period is from 1 July 2026 to 30 September 2026. Terms and conditions apply to the offer, please note the relevant product risks, credit risks and early surrender loss. This plan is underwritten by Hang Seng Insurance Company Limited. For offer details, please visit hangseng.com/efamilypro.
The promotion period is from 1 June 2026 to 30 September 2026. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 1 June 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
"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 new fund offer of Time Deposit within the last 15 calendar days (including time deposit placement date). 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". Foreign exchange involves exchange rate risk. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to the first 5,000 Preferred Banking personal customers who did not have a SimplyFund Account (Account Suffix 384) on or before 30 June 2026 and successfully opened a SimplyFund Account and satisfied the following conditions until the fund units are deposited into their relevant account: (1) a Hong Kong Identity Card (HKID) holder; (2) holding a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5 ; (3) successfully registered for Hang Seng Personal e-Banking; (4) maintained their Preferred Banking Account with a minimum Total Relationship Balance ("TRB") of at least HKD 5,000. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/simplyfundoffer for more details.
The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers, who have newly opened an Investment Fund Account (under the account number suffix of 382), will be entitled to the 0% fund subscription fee offer for their first accumulated subscription amount made on the first day of fund subscription (within 30 calendar days of opening the Investment Fund Account) via Hang Seng Personal e-Banking or the Hang Seng Mobile App. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/fundoffer for more details.
The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers who did not subscribe to Designated Investment Products from 1 January 2026 to 30 June 2026. Eligible Customers successfully completed the first subscription transaction of the “Designated Investment Product(s)” via Hang Seng Personal e-Banking or Hang Seng Mobile App can enjoy up to 8% p.a. bonus interest rate. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/invpromo for more details.
The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers who successfully completed a designated product subscription or service using their integrated account via eligible channel can get a lucky draw chance. Only 1 lucky draw chance will be offered in respect of each Designated Item, and each Eligible Customer can get a maximum of 20 Lucky Draw Entries in total. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/invpromo for more details.
a) $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
b) When withdrawing cash overseas from non-HSBC Group ATM networks, there is a charge of HKD40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HKD20 each time.
c) Terms and conditions apply. For details, please visit hangseng.com/mcy_debit.
Promotion period of the offer is from 1 July 2026 to 30 September 2026. Foreign exchange involves exchange rate risk. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.
The promotion period is from 2 July 2026 to 30 September 2026. Terms and Conditions apply. Eligible referrers must be the Bank’s payroll customers with an eligible payroll record under their Prestige Private, Prestige Banking, or Preferred Banking account. The relevant account must be held in the customer’s sole name or, in the case of a joint account, the customer must be the primary account holder. Please visit hangseng.com/usage16 for details.
The promotion period is from now to 30 September 2026. Terms and conditions apply. Please visit hangseng.com/mgm1 for more details.
The offer promotion period is from 1 August 2026 to 31 December 2026. Complete one stock trade or subscribe for funds via SimplyFund Account during the promotion period and you’ll be automatically entered into Simply Grab lucky draw, for a chance to win free stocks or other rewards. Terms and conditions apply. Investment involves risk. For details, please visit hangseng.com/stock-promo.

Other Important Risk Warnings
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.

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 Exchange 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 Hong Kong Dollar or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.

Life Insurance Plan
The above information is a product summary of information for reference only. These life insurance plans ("Plans") are intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance. Please refer to the relevant leaflet, factsheet or product brochure for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Plan, and the policy of the relevant Plan shall be considered as final.

The Plans are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the Hong Kong SAR. The Bank is an insurance agency authorised by Hang Seng Insurance, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for any of these Plans, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of the 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 transaction, 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. Policyholders are subject to the credit risk of Hang Seng Insurance and early surrender loss. Terms and conditions apply. Please note the relevant product risks.

If policyholders surrender the policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of these plans for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.

General Insurance Plan
The above general insurance plans are underwritten by Chubb, Insurance Hong Kong Limited (“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 this these plans. These Plans are products of Chubb and not the Bank. Upon application to this 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.

Risk Disclosure of Securities Investment
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.

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

Risk Disclosure 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.

Risk Disclosure of Investment Funds

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.

Risk Disclosure of SimplyFund Account

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank's wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank's affiliates HSBC Global Asset Management (Hong Kong) Limited.

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