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

*You are not required to open an additional payroll account. Simply notify your employer to credit your salary to your Hang Seng Personal Banking account via Autopay from the company account and maintain an eligible payroll record every month. Please note, certain rewards may have specific requirements on the account type. You may refer to the relevant Terms and Conditions for details. With an eligible payroll record, you will become our PayDay⁺ payroll customer on the 7th working day of the following month. Any salary transferred on public holidays or after our bank‘s cut-off time will be processed on the next working day. If this next working day falls in the following month, you will become our PayDay⁺ payroll customer on the 7th working day of the subsequent month. Once you become an eligible payroll customer, you will see the designated PayDay⁺ exclusive label in e-Banking homepage. You may contact us for any enquiries. Only salary transfer instructions indicated for payroll purpose and recognized by our system as such may be considered eligible records. We reserve the right of final decision should there be any dispute in the definition of eligible payroll record, or in the recognition of the customer’s identity as an eligible payroll customer.

1. The promotion period is from 2 July 2025 – 30 September 2025, for new eligible payroll customers who register for the offer via Hang Seng Mobile App. Terms and conditions apply, please visit hangseng.com/payrolloffer8 for details.
2. The promotion period is from 1 July 2025 to 30 September 2025. For Eligible Customers with Eligible Incremental Balance of designated currencies. Savings rate is for reference only. Foreign exchange involves exchange rate risk. Terms and conditions apply. Visit hangseng.com/depositspromo7 for more details.
3. The promotion period is from 4 August 2025 to 30 September 2025. For Investment involves risk. Terms and conditions apply.
4. From 30 April 2025 till 31 December 2025, eligible payroll customers with securities account enjoy $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.
5. From 30 April 2025 till 31 December 2025, eligible payroll customers with securities account enjoy $0 brokerage fee for buy US stocks which are conducted through Hang Seng Invest Express mobile app. Investment involves risks. Services and offers are subject to terms and conditions.
6. 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.  Learn more about Scratch Reward from hangseng.com/secoffer. Investment involves risks. Services and offers are subject to terms and conditions.
7. The promotion period is from 30 April 2025 – 30 September 2025. Please visit hangseng.com/payrolloffer10 for more details of the offer. Foreign Exchange involves exchange rate risk. Terms and conditions apply to the service and the offer.
8. 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. 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.
9. Terms and Conditions apply to the promotion offer and the above insurance plans. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. Please refer to the policy wording for product features, exact terms, conditions, details of the exclusions and product risk.
10. Extra $100 +FUN Dollars welcome offer (up to $800 +FUN Dollars) upon Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard / Hang Seng Prestige World Mastercard Application
    
    1. The offer is applicable to Eligible Payroll Customers who fulfill the following requirements (“New Payroll Customers”):
       i. Have no payroll record under any single/joint-named account (including joint-named accounts held in the name of a secondary account holder) of the Bank during the period from 1 January 2025 to 3 August 2025; and
       ii. Successfully set up payroll service with first Eligible Payroll Record made during the period from 4 August 2025 to 30 September 2025
    2. The Promotional Offers are not applicable to staff of the Bank.
    3. From now till 30 September 2025, New Payroll Customers who apply for Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard and whose applications are successfully approved on or before 31 October 2025, can get extra $100 +FUN Dollars on top of the welcome offer upon meeting the designated Welcome Offers spending requirement.
       

       Credit Card	Existing Welcome Offers Reward
       Hang Seng Prestige World Mastercard	Up to $700 +FUN Dollars
       Hang Seng Travel+ Visa Signature Card	Up to $700 +FUN Dollars
       Hang Seng MMPOWER World Mastercard	Up to $700 +FUN Dollars

    4. The Bank will credit the relevant Welcome Offer +FUN Dollars to the relevant credit card principal account of the New Payroll Customer within 3 months of fulfilling the eligibility requirements in (10c). For more details, please visit Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard product page.
    5. The Bank will credit the extra $100 +FUN Dollars to the relevant principal card account according to the schedule below and each New Payroll Customer can enjoy a maximum of extra $100 +FUN Dollars throughout the Promotion Period: 
       

       Card approval date	Fulfilment date
       On or before 31 August 2025	On or before 31 December 2025
       From 1 September to 31 October 2025	On or before 31 March 2026

    6. The relevant card account of the New Payroll Customer must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.
11. Successfully applied for and drawn down the Hang Seng Handy Cash Personal Instalment Loan
    
    1. During 25 August 2025 to 30 September 2025 (both dates inclusive), Eligible Payroll Customers who have successfully applied for and drawn down the Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up loan, Debt Consolidation Instalment Loan) (the “Loan”) with the below designated amount and repayment period and have two Eligible Payroll Records, each at not less than HKD5,000 in any two months from December 2025 to February of 2026, will be entitled to up to HKD8,800 cash rebate. Each Eligible Payroll Customers can enjoy this offer once during the period specified in this clause.
       The applicable cash rebate for the corresponding drawdown amount is shown as below.
       

       Drawdown amount	Repayment Period
       	24 months	36-48 months	60 months
       HKD50,000 – HKD99,999	HKD200	HKD300	HKD500
       HKD100,000 – HKD199,999	HKD300	HKD600	HKD1,000
       HKD200,000 – HKD499,999	HKD500	HKD1,000	HKD1,000
       HKD500,000 – HKD999,999	HKD500	HKD1,500	HKD2,000
       HKD1,000,000 – HKD1,499,999	HKD800	HKD2,500	HKD3,000
       HKD1,500,000 or above	HKD1,200	HKD5,000	HKD8,800

    2. Cash rebate will be credited to Eligible Payroll Customer's repayment account by 31 March 2026 without any prior notice. Eligible Payroll Customers must have no record of default or early settlement of the Loan, still maintain valid Payroll Account, a relevant valid loan and repayment account before the rebate is credited, or he/she shall be deemed to have forfeited the right to receive the relevant cash rebate. If customers settle the Loan ahead of schedule after the cash rebate has been credited, he/she shall return the cash rebate in full to the Bank upon settlement of the Loan.
       For the full details of the services and promotion of Personal Instalment Loan, please refer to the Bank website (Loans>Personal Instalment Loan).
12. Eligible Payroll Customers, who have fulfilled one of the below conditions, will enjoy additional cash rebate:
    1) Eligible Payroll Customers who have successfully applied for the private residential mortgage loan on or before 30 Jun 2025 and drawn down the mortgage loan amount before 31 Dec 2025 and also maintain a valid Payroll Account on 31 Mar 2026 will be entitled to cash rebate; or
    2) Eligible Payroll Customers who have successfully applied for the private residential mortgage loan between 1 Jul 2025 and 30 Sep 2025 and drawn down the mortgage loan amount on or before 31 Mar 2026 and also maintain a valid Payroll Account on 30 Jun 2026 will be entitled to cash rebate.
    • It is only applicable to Eligible Payroll Customers with drawn down mortgage loan amount with HKD4,000,000 or above.
    • The Bank has the sole discretion to determine the final cash rebate amount. Cash rebate will be credited to Eligible Payroll Customer’s designated mortgage repayment account after the loan drawdown.
    • The final approval of the mortgage application is subject to the decision of the Bank.
    • The Eligible Payroll Customers must still maintain a valid Payroll Account on the above specified date. Otherwise, the Eligible Payroll Customer is required to refund the cash rebate amount to the Bank, which will be debited from the customer’s loan repayment account without prior notice.
    • This cash rebate offer is not applicable to the staff of the Bank, or those who are eligible for the staff offers of the Bank.
    • This cash rebate offer is not applicable to House Village mortgage loan.
    • Each mortgage application can only enjoy this cash rebate offer once.
13. From 24 May till 25 September 2025, Preferred Banking customer can get a 0.5% unlimited cash rebate (the rebate includes the Preferred Multi-Currency Debit Mastercard basic 0.4% cash rebate) when eligible transactions are made and are posted on or before 25 September 2025 with the Preferred Multi-Currency Debit Card. Foreign exchange involves exchange rate risk. Terms and Conditions apply, please visit
    hangseng.com/mcy_debithangseng.com/mcydc8
    for more details.
14. $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. When withdrawing cash overseas from non-HSBC Group 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.
15. The promotion period is from 1 July till 31 December 2025. Foreign exchange involves exchange rate risk.Terms and Conditions apply, please visit
    hangseng.com/mcy_debithangseng.com/mcydc8
    for more details.
16. “Bank’s Cost Price” refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. When the customer make JPY or EUR spending or withdrawal but have insufficient JPY or EUR funds in the respective account. The relevant transaction amount will then be converted from HKD at the “Bank’s Cost Price” and deducted from the customer’s HKD Savings Account. Terms and Conditions apply, please visit hangseng.com/forexreward for more details.
17. The promotion period is from 2 July till 31 December 2025. Foreign exchange involves exchange rate risk. Terms and Conditions apply, please visit hangseng.com/forexreward for more details.
18. The promotion period is from 16 May 2025 to 15 January 2026 (both dates inclusive). Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!
19. "New Preferred Banking Customer(s)" mentioned herein refers to personal customers who have opened a new Preferred Banking of the Bank during 30 April 2025 to 30 September 2025, but excluding: existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at Hang Seng Bank Limited ("the Bank") (including Prestige Banking, Preferred Banking and any other Integrated Account) (the "Existing Customer(s)"), or customers who have closed any of the above accounts with the Bank in the previous 12 months prior to the account opening month, or customers whose accounts mentioned above have been terminated in any period
20. New Preferred Banking Customers could enjoy rewards of value up to $2,700 (including +FUN Dollars and HKD cash rewards) by completing designated banking services and requirements of offer 19-24 during the promotion period. Please refer to the Terms and Conditions of PayDay⁺ and Preferred Banking Promotion for more details.
21. Existing customers who upgrade to Preferred Banking during the Promotion Period could enjoy rewards of value up to $2,500 (including +FUN Dollars and HKD cash rewards) by completing designated banking services and requirements of offer 20-24 during the promotion period. Please refer to the Terms and Conditions of PayDay⁺ and Preferred Banking Promotion for more details.
22. The promotion period is from 30 April 2025 to 30 September 2025. 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 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 PayDay⁺ and Preferred Banking Promotion.
23. The promotion period is from 30 April 2025 to 30 September 2025. New Preferred Banking Customers/upgrade customers fund-in and maintain the designated amount, switch to Hang Seng PayDay⁺ for payroll service and grow foreign currency deposits by minimum HKD30,000 equivalent according to designated month(s) (as shown in the table below) to enjoy up to HKD1,700 cash rewards. Terms and Conditions apply, for details, please refer to the Terms and Conditions of PayDay⁺ and 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	Cut-off date for switching to Hang Seng PayDay+ payroll service	Designated Foreign Currency Deposits Growth Period
    30 April 2025	March 2025	June 2025 to August 2025	31 August 2025	June 2025 to August 2025
    May 2025	April 2025	July 2025 to September 2025	31 August 2025	July 2025 to September 2025
    June 2025	May 2025	August 2025 to October 2025	31 August 2025	August 2025 to October 2025
    July 2025	June 2025	September 2025 to November 2025	30 November 2025	September 2025 to November 2025
    August 2025	July 2025	October 2025 to December 2025	31 December 2025	October 2025 to December 2025
    September 2025	August 2025	November 2025 to January 2026	31 January 2026	November 2025 to January 2026

24. The promotion period is from now to 30 September 2025. 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.
25. The promotion period is from now to 30 September 2025. 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. 
26. The promotion period is from now to 30 September 2025. Customers who have successfully applied for University/College Affinity 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.
27. New 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. Extra $100 +FUN Dollars welcome offer will credit to the relevant principal card account on or before 31 January 2026 (*for new payroll customers only and equivalent to PayDay⁺ offer 8, please refer to its full terms & conditions)
28. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. Foreign exchange involves exchange rate risk. For details, please visit hangseng.com/depositspromo5 .
29. The promotion period for the Offer is from 1 July 2025 to 30 September 2025, both dates inclusive. During the first 2 calendar months upon account opening or upgrade, Eligible Customers who successfully set up 3-month USD/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 JPY6,000 Cash reward. "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. 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.
30. 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.
31. 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.