Join Preferred Banking to enjoy up to $8,500 in rewards

Open a Preferred Banking account on your mobile in as fast as 5 minutes and enjoy rewards of up
to HK$8,500. From daily wealth management and credit card spending to payroll services and
foreign currency exchange, every financial moment comes with rewards, letting you plan well and earn big at the same time.
Achieve your New Year’s resolutions in 2026 with Preferred Banking, the first choice for smart planning solutions.

Open an account via mobile with initial fund-in of HKD1,000 to receive HKD200 cash rebate¹

New customers who successfully open a Preferred Banking account via Hang Seng Mobile App with an initial fund-in of HKD1,000 through FPS or Payment Connect within 7 days of account opening and maintain the deposit for 10 consecutive days will receive a HKD200 cash rebate

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500²

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
HKD100,000 or above – Below HKD200,000	HKD300
HKD200,000 or above – Below HKD500,000	HKD1,500
HKD500,000 or above	HKD3,500

PayDay⁺ HKD600 welcome cash reward³

Preferred Banking customers who register for the offer through the Hang Seng Mobile App during the promotion period and switch to PayDay⁺ for payroll service on or before April 30, 2026 can earn a up to HKD 600 cash reward.

Registration steps: 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

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^4,5,6,7

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.

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward^8,9

Enjoy a preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance⁸
Eligible customer who newly opened/upgraded to Preferred Banking and set up Eligible Time Deposit(s)* reaching the specified accumulative amount can enjoy up to HKD800 Cash Reward⁹:

Accumulated Eligible Time Deposit Amount (HKD or equivalent)	Cash Reward (HKD)
100,000	50
400,000	250
1,000,000	800

* Eligible Time Deposit(s) refers to the 3-month USD/CNY/AUD/CAD/GBP/NZD time deposit(s) successfully set up via Hang Seng Online Banking with Eligible New Fund Balance during the first 2 calendar months upon account opening/upgrade.

Register for e-Banking and e-Statement, and complete designated missions to receive up to HKD100 e-Voucher¹⁰

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 HKD3,500²

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
HKD100,000 or above – Below HKD200,000	HKD300
HKD200,000 or above – Below HKD500,000	HKD1,500
HKD500,000 or above	HKD3,500

PayDay⁺ HKD600 welcome cash reward³

Preferred Banking customers who register for the offer through the Hang Seng Mobile App during the promotion period and switch to PayDay⁺ for payroll service on or before 30 April 2026 can earn a cash reward of up to HKD600.

Registration steps: 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

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^4,5,6,7

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.

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward^8,9

Enjoy a preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance⁸
Eligible customer who newly opened/upgraded to Preferred Banking and set up Eligible Time Deposit(s)* reaching the specified accumulative amount can enjoy up to HKD800 Cash Reward⁹:

Accumulated Eligible Time Deposit Amount (HKD or equivalent)	Cash Reward (HKD)
100,000	50
400,000	250
1,000,000	800

$8,500 rewards at a glance

Open an account via mobile with initial fund-in of HK$1,000 to receive HKD200 cash rebate¹
Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500²
PayDay⁺ HKD600 welcome cash reward³
Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^4,5,6,7
Set up designated time deposit to enjoy Preferential Interest Rate and up to HK$800 Cash Reward ^8,9
Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK) (approximate value HKD200)¹⁶
Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan¹⁷
Successfully apply for the Travelsure Protection Plan (Annual Global Cover) using a promo code “HASE23” to enjoy a premium discount of up to 30% off and an e-Gift voucher of up to HKD400²²

Referral Rewards
Referral Reward: Refer Friends and Earn Up to HKD10,200¹¹!

Eligible customers who refer friends to open a new Preferred Banking account can earn rewards and enroll for a lucky draw! Refer more, earn more!

Referrer can earn HKD200 cash reward and a lucky draw entry for each successful referral, with a chance to win a HKD10,000 Apple Store gift card!

Eligible customers who refer friends to open a new Preferred Banking account can earn rewards and enroll for a lucky draw! Refer more, earn more!

Referee completes simple task to open a new Preferred Banking account, and receive HKD200 cash rewards plus up to HKD8,700 in welcome rewards.

More Wealth Management Rewards
Plan smart with Preferred Banking — from insurance and investments to local
and overseas spending — and make the most of every dollar!

Enjoy up to 15.8% p.a. 1-week time deposit rate by exchanging JPY, AUD and CNY in Hang Seng Mobile App¹². GBP even add up to 17%¹³!

Designated Currency	Foreign Currency Savings Interest Rate(p.a.)^*
JPY	8%
AUD	Up to 15.8%
CNY	Up to 12%
[Flash offer] GBP	Up to 17%

^*  For exchange of above currencies and set up of a 1-week time deposit at the same time in Hang Seng Personal e-Banking and Hang Seng Mobile App

Up to 3.7% guaranteed annual return for 5-Year eEndowment Life Insurance Plan¹⁴

Successfully apply for 5-Year eEndowment Life Insurance Plan online to enjoy up to 3.7% guaranteed annual return. Successfully apply for a designated life insurance plan with a designated amount during the promotion period can get Gold Horse Ornament

Successfully opening a SimplyFund Account can get fund units with value of HKD20¹⁵

Eligible customers who successfully opened a SimplyFund Account can get fund units with value of HKD20

Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK)(approximate value HKD200)¹⁶

Eligible customers who newly open a Preferred Banking account and meet the specified requirements^* can enjoy 8 units of Tracker Fund:

Fulfil the "Designated Total Relationship Balance Growth Amount" requirement of HKD1,000 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

^* Eligible customers must complete the specified requirements on or before the last calendar day of the third month following the month in which they newly open or upgrade to Preferred Banking.

Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan¹⁷

Apply online for the eIncomePro Deferred Annuity Plan (100% Guaranteed) using an eligible Hang Seng credit card and Promo code “3IPM20” to enjoy up to $2,000 +FUN Dollars / 400,000 yuu Points

Payday⁺ payroll customers who apply for Personal Instalment Loan can enjoy Tax Season Offer up to HKD12,800 or up to HKD6,800 for other customers applying online¹⁸

Please visit hangseng.com/loanhangseng.com/loan for details

Enjoy 50% spread discount by exchanging JPY¹⁹

Exchange HKD to JPY for HKD 30 or above online every Wednesday, and you can enjoy a 50% discount on the foreign exchange spread

Spend with Preferred Multi-Currency Debit Mastercard^® to enjoy $0 transactions fees for overseas spending²⁰

Obtain foreign currency at a favourable rate and enjoy $0 transaction fees²⁰ for overseas cash withdrawal and spending and enjoy 0.4% unlimited cash rebate on all eligible spendings

Earn up to a HK$4,640 accumulated cash rebate²¹ on designated local and overseas merchants during the promotion period. Spend smarter, earn more

Successfully enrol in an insurance plan to enjoy up to 30% off discount and other e-Gift voucher²²

Successfully apply for the Travelsure Protection Plan (Annual Global Cover) using a promo code “HASE23” to enjoy a premium discount of up to 30% off and an e-Gift voucher of up to HKD400

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

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

To Enjoy Up to $8,500 In Rewards

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 period is from 1 January 2026 to 31 March 2026. 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 through FPS or Payment Connect in 7 calendar days after account opening and maintain the deposit for 10 calendar days are entitled HKD200 cash rebate. Terms and Conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Promotion.

The promotion period is from 1 January 2026 to 31 March 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
January 2026	December 2025	March 2026 to May 2026
February 2026	January 2026	April 2026 to June 2026
March 2026	February 2026	May 2026 to July 2026

The promotion period is from 2 January 2026 to 31 March 2026, for new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Terms and conditions apply, please visit hangseng.com/payrolloffer for details.
The promotion period is from now to 31 March 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 March 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/mpower. To borrow or not to borrow? Borrow only if you can repay!
The promotion period is from now to 31 March 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!
New Eligible Payroll Customers successfully apply for Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard can enjoy extra $100 +FUN Dollars welcome offer. Please visit hangseng.com/cardc1 for the definition of new Eligible Payroll Customers and offer details. To borrow or not to borrow? Borrow only if you can repay!
"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 today). 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 January 2026 to 31 March 2026, both dates inclusive. During the first 2 calendar months upon account opening or upgrade, Eligible Customers who successfully set up 3-month USD/CNY /AUD/CAD/GBP/NZD time deposit(s) via Hang Seng Online Banking with “Eligible New Fund Balance” and reach the specified accumulative time deposit amount will be entitled to up to HKD800 Cash reward. Foreign exchange involves exchange rate risk. Terms and conditions apply.
The promotion period is from 1 January 2026 to 31 March 2026. For Eligible Designated Customers only. Terms and conditions apply. Please visit hangseng.com/ebankingoffer2 for more details.
The promotion period is from 1 January 2026 to 31 March 2026. Terms and conditions apply. For details, please visit hangseng.com/mgm1.
The promotion period is from 2 January 2026 to 31 March 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 2 January 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.
The promotion period of “Foreign Currency Time Deposit Interest Rate Flash Offer” is from 2 January 2026 to 22 February 2026. For exchange of GBP and set up of 1-week time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 January 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.
The promotion period is from 1 January 2026 to 31 March 2026. This is the return rate in USD annual payment mode with first year premium discount included. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss. Please visit hangseng.com/ins-discount for more offer details.
The promotion period is from 1 January 2026 to 31 March 2026. Only applicable to Preferred Banking and Integrated Account personal customers who did not have a SimplyFund Account on or before 31 December 2025, and hold a valid Risk Profiling Questionnaire record and successfully registered for Hang Seng Personal e-Banking and maintain a minimum Total Relationship Balance ("TRB") of at least HKD 5,000. Investment involves risk. Terms and conditions apply. For details, please visit hangseng.com/simplyfundoffer.
The promotion period is from 1 January 2026 to 31 March 2026. The offer of Free Shares Reward is provided by Hang Seng Bank. (the “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 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). 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. 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 10 December 2025.
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 now till 28 Feb 2026.
The promotion period is from now to 31 March 2026. Eligible customers can enjoy a 50% FX spread discount on successful real-time HKD to JPY currency exchanges reaching HKD30 per single transaction, conducted via Hang Seng Mobile App and Hang Seng Personal e-banking every Wednesday. Foreign exchange involves exchange rate risk. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
a) $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. b) Preferred Banking customers when withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 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 HK$20 each time.
Promotion period of the offer is now till 31 Mar 2026. Foreign exchange involves exchange rate risk.Terms and conditions apply, please visit hangseng.com/mcy_debit for details.
The promotion period is from 1 January 2026 to 31 March 2026. Terms and conditions apply to 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.

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
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 Plans.
Please refer to the product brochures for the relevant product risks.
The above Designated Life Insurance Plans are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authorityiin Hong Kong. The Bank is an insurance agency authorised by Hang Seng Insurance for distribution of these plans, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for these plans, 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 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 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 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 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.

To borrow or not to borrow? Borrow only if you can repay!

Open an account via mobile with initial fund-in of HKD1,000 to receive HKD200 cash rebate1

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,5002

PayDay+ HKD600 welcome cash reward3

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement4,5,6,7

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward8,9

Register for e-Banking and e-Statement, and complete designated missions to receive up to HKD100 e-Voucher10

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,5002

PayDay+ HKD600 welcome cash reward3

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement4,5,6,7

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward8,9

$8,500 rewards at a glance

Referral RewardsReferral Reward: Refer Friends and Earn Up to HKD10,20011!

More Wealth Management RewardsPlan smart with Preferred Banking — from insurance and investments to local and overseas spending — and make the most of every dollar!

Enjoy up to 15.8% p.a. 1-week time deposit rate by exchanging JPY, AUD and CNY in Hang Seng Mobile App12. GBP even add up to 17%13!

Up to 3.7% guaranteed annual return for 5-Year eEndowment Life Insurance Plan14

Successfully opening a SimplyFund Account can get fund units with value of HKD2015

Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK)(approximate value HKD200)16

Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan17

Payday+ payroll customers who apply for Personal Instalment Loan can enjoy Tax Season Offer up to HKD12,800 or up to HKD6,800 for other customers applying online18

Enjoy 50% spread discount by exchanging JPY19

Spend with Preferred Multi-Currency Debit Mastercard® to enjoy $0 transactions fees for overseas spending20

Successfully enrol in an insurance plan to enjoy up to 30% off discount and other e-Gift voucher22

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

To Enjoy Up to $8,500 In Rewards

Open an account via mobile with initial fund-in of HKD1,000 to receive HKD200 cash rebate¹

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500²

PayDay⁺ HKD600 welcome cash reward³

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^4,5,6,7

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward^8,9

Register for e-Banking and e-Statement, and complete designated missions to receive up to HKD100 e-Voucher¹⁰

Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HKD3,500²

PayDay⁺ HKD600 welcome cash reward³

Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement^4,5,6,7

Set up designated time deposit to enjoy Preferential Interest Rate and up to HKD800 Cash Reward^8,9

Referral Rewards
Referral Reward: Refer Friends and Earn Up to HKD10,200¹¹!

More Wealth Management Rewards
Plan smart with Preferred Banking — from insurance and investments to local
and overseas spending — and make the most of every dollar!

Enjoy up to 15.8% p.a. 1-week time deposit rate by exchanging JPY, AUD and CNY in Hang Seng Mobile App¹². GBP even add up to 17%¹³!

Up to 3.7% guaranteed annual return for 5-Year eEndowment Life Insurance Plan¹⁴

Successfully opening a SimplyFund Account can get fund units with value of HKD20¹⁵

Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK)(approximate value HKD200)¹⁶

Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan¹⁷

Payday⁺ payroll customers who apply for Personal Instalment Loan can enjoy Tax Season Offer up to HKD12,800 or up to HKD6,800 for other customers applying online¹⁸

Enjoy 50% spread discount by exchanging JPY¹⁹

Spend with Preferred Multi-Currency Debit Mastercard^® to enjoy $0 transactions fees for overseas spending²⁰

Successfully enrol in an insurance plan to enjoy up to 30% off discount and other e-Gift voucher²²

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