Get your bonus now! Plan smart to make the most of every dollar with Preferred Banking!
Open a Preferred Banking account via mobile, fund-in with new deposits, and maintain the designated "Total Relationship Balance" growth amount within the specified months. Plus, switch to Hang Seng Payroll Service or meet the foreign currency deposit growth requirement to unlock an extra reward boost. Enjoy up to HKD1,900 cash rebate — earning your bonus has never been easier! And that’s not all! Exchange foreign currency for your travels or spend with designated credit cards to earn even more. A total of up to $2,700 in rewards is waiting for you. Open an account now and get your bonus now!

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From 1 January 2025 to 31 March 2025, new customers1 can enjoy up to $2,7002 in rewards

Reward 1:Open an account via mobile with initial fund-in of HKD1,000 to enjoy HKD200 cash rebate4

Reward 2:Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate up to HKD1,7005
Designated “Total Relationship Balance” Growth Amount | Total Relationship Balance Growth Reward | Payroll Reward^ | Foreign Currency Deposit Incremental Reward* | Total cash rebate |
---|---|---|---|---|
HKD100,000 or above – Below HKD200,000 | HKD200 | HKD400 | HKD100 | Up to HK$700 |
HKD200,000 or above – Below HKD500,000 | HKD600 | HKD400 | HKD100 | Up to HK$1,100 |
HKD500,000 or above | HKD1,200 | HKD400 | HKD100 | Up to HK$1,700 |

Reward 3、4:Cumulative Foreign Currencies Exchange of HKD20,000 (or its equivalent) or above to earn HKD100 cash rebate6 and a foreign currency time deposit interest rate of up to 13.8% p.a.7
- Reward 3: Complete real time Foreign Currencies Exchange successfully via Hang Seng Mobile App or Hang Seng Personal e-Banking with a cumulative FX Transaction Amount of at least HKD20,000 or its equivalent (excluding HKD to USD or USD to HKD FX transaction(s) within the Eligible FX Transaction Counting Period to enjoy a cash rebate of HKD100
- Reward 4:
Exchange designated currencies and open a 1-week or 1-month time deposit to enjoy an annual interest rate of up to 13.4% or 4.1%#
#(Online Exclusive offer) Exchange designated currencies and set up a 1-week or 1-month time deposit to enjoy an extra interest rate of up to 13.8% or 4.5% through Hang Seng Mobile App and Personal e-Banking

Reward 5、6 : Enjoy up to 5% +FUN Dollars rebate8 with eligible spending, apply for the designated credit cards to enjoy up to $700 +FUN Dollars9,10,11
- Reward 5: New customers who successfully apply and are approved for a Principal Card of Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard, or University/College Affinity Credit Card can enjoy up to 5% +FUN Dollars for transactions made at the designated local fast food/coffee shops during the first 3 months of the new card issuance
- Reward 6: Successfully apply and get approved for a Hang Seng Travel+ Visa Signature Card, MMPOWER World Mastercard, or University/College Affinity Credit Card, and fulfill the designated spending requirement to enjoy up to $700 +FUN Dollars
From 1 January 2025 to 31 March 2025, existing customers who upgrade to
Preferred Banking account can enjoy up to $2,5003 in rewards

Reward 2:Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate up to HKD1,7005
Designated “Total Relationship Balance” Growth Amount | Total Relationship Balance Growth Reward | Payroll Reward^ | Foreign Currency Deposit Incremental Reward* | Total cash rebate |
---|---|---|---|---|
HKD100,000 or above – Below HKD200,000 | HKD200 | HKD400 | HKD100 | Up to HK$700 |
HKD200,000 or above – Below HKD500,000 | HKD600 | HKD400 | HKD100 | Up to HK$1,100 |
HKD500,000 or above | HKD1,200 | HKD400 | HKD100 | Up to HK$1,700 |

Reward 3、4:Cumulative Foreign Currencies Exchange of HKD20,000 (or its equivalent) or above to earn HKD100 cash rebate6 and a foreign currency time deposit interest rate of up to 13.8% p.a.7
- Reward 3: Complete real time Foreign Currencies Exchange successfully via Hang Seng Mobile App or Hang Seng Personal e-Banking with a cumulative FX Transaction Amount of at least HKD20,000 or its equivalent (excluding HKD to USD or USD to HKD FX transaction(s) within the Eligible FX Transaction Counting Period to enjoy a cash rebate of HKD100
- Reward 4:
Exchange designated currencies and open a 1-week or 1-month time deposit to enjoy an annual interest rate of up to 13.4% or 4.1%#
#(Online Exclusive offer) Exchange designated currencies and set up a 1-week or 1-month time deposit to enjoy an extra interest rate of up to 13.8% or 4.5% through Hang Seng Mobile App and Personal e-Banking

Reward 6:Apply for the designated credit cards to enjoy up to $700 +FUN Dollars9,10,11



Enjoy the “$0 Starter Pack”12 to kick-start your investment and protection journey
Enjoy the “$0 Starter Pack”13 to kick-start your investment journey

Reward 7: | Newly open securities accounts can enjoy 8 units of Tracker Fund (stock code: 2800.HK)14, 15 |
- Fulfil the “Designated Total Relationship Balance Growth Amount” requirement of HKD10,000 or above; and
- Open a new securities account under the relevant Preferred Banking account
- Complete submission of “Local Securities – Client Consent” by all of the new securities account holders
Reward 8: | 3-month unlimited $0 brokerage fee15 for trading HK stocks / A-shares / US stocks online for New Securities Customers |
- Enjoy $0 brokerage fee for buy and sell trades of HK stocks / A-shares / US stocks which are conducted through our online trading channels in the first 3 months starting from the new securities account opening date
Reward 9: | Enjoy 2 shares of designated US stock16 upon the first securities trade for new securities customers |
- Upon your first successful buy or sell trade of US stocks, HK stocks or A shares through online trading channelsa and securities trading hotlineb, enjoy 2 shares of the designated US stock
Reward 10: | New SimplyFund customers can get free fund units with value of HKD2017 (Limited quota:3,500) |
Reward 11: | New customers who successfully open a Preferred Banking account via Hang Seng Mobile App can enjoy a complimentary term life coverage with an Accidental Death Benefit of up to HKD100,00018 |
Terms and conditions apply. See the Terms and Conditions here. The above Complimentary Term Life Coverage of reward 11 is underwritten by HSIC.

Open a Preferred Banking Account in Minutes#

Download and open Hang Seng Mobile App, then choose "Mobile Account Opening" from the first or second page of "Featured quick links". Verify your identity and fill in the personal details needed for mobile account opening to open an account.

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 open an account.
# | Mobile Account Opening / Upgrade is not available to customers who only hold Hang Seng credit cards or joint-named Integrated Accounts or already hold a sole-named Prestige Banking account. 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. |