Check out the "Digital Banking Made Easy" series, with several episodes to help you learn more about the features of Hang Seng Mobile App and gain handy financial tips, making financial management easier than ever!
Select Episode
01Lost card/ Fraud
01Lost card/ Fraud
02Transfers & Bill Payments
03Safe Setup for New Phone
04Shopping Safety
05New Features Review
06Account Security
07Transfer FAQs
08Tax Filing
Situation 1
Lost Credit/Debit Card – What should you do?
Log on to Hang Seng Mobile App to block your credit/debit
card immediately to prevent transactions, giving you time to decide whether to report it as lost.
Few Steps to Block Your Card
Few Steps to Block Your Card
1
Logon to Hang Seng Mobile App
2
Tap "Settings & Security" from left menu
3
Tap "Block/ unblock card"
4
Select your card to temporarily block/unblock >
Click "Confirm" to block it
Hey! Found the card!
No Problem! Simply follow the steps above to unblock
it, and you can continue using it normally.
Oh no… I really can't find the card…
Follow the steps above to apply for reporting it as
lost in "Settings & Security" to secure your account,
and you can also apply for a replacement card at the
same time!
Situation 2
What should you do if you receive a suspicious
transaction notification?
As soon as you see a suspicious transaction notification on
your phone, remember to report it immediately!
If it's a suspicious credit/debit card transaction, log on
to Hang Seng Mobile App to block the card first to avoid
further losses from potential fraud, and then report the
suspicious transaction.
If it's an unauthorised bank account transaction, you can
also log on to Hang Seng Mobile App to report it.
Few Steps to Report Unauthorised Transactions
Few Steps to Report Unauthorised Transactions
1
Logon to Hang Seng Mobile App
2
Tap "Settings & Security" from left menu
3
Tap "Report suspicious transactions"
4
Choose transaction type and submit your report
Got an issue and want instant help?
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
To borrow or not to borrow? Borrow only if you can repay!
Set Up DDA to Avoid Late Fees
You don't need to visit a branch to set up a DDA (Direct
Debit Authorization). With Hang Seng Mobile App, you can set
up, modify, or cancel DDA anytime, anywhere. Enjoy automatic
payments for timely bill settlements and skip the hassle of
queuing at branches!
How to set it up:
How to set it up:
1
Log on Hang Seng Mobile App
2
At the bottom menu, select "Transfer & Pay" > "Set
up a direct debit" > "Set up new authorisation"
3
Set up by searching for the Merchant name / Phone /
Email / FPS ID or Account number
4
Enter the required information and confirm the
details
24/7 Transfer limit setup made simple and secure
Setting appropriate transfer limits helps ensure transaction
security. You can customise your limits based on factors
like transfer frequency, amount, and recipient
trustworthiness.
Scenario |
You should set up |
Features |
|---|---|---|
Occasional small transfers, e.g.:
|
Small value daily transfer limit (Transferable amount ranges from HKD1 – HKD10,000) |
|
Occasional larger transfers, e.g.:
|
Non-registered payee daily transfer limit (Transferable amount ranges from HKD1 – HKD400,000) |
|
|
*If this is your first time transferring to the
recipient, remember to add them as a registered payee
during the transfer.
|
|
How to set your transfer limit:
How to set your transfer limit:
1
Log on Hang Seng Mobile App
2
Click "Settings & Security" in left-hand menu, then
tap "Transfer & Pay" > "Set transfer and payment
limits"
3
Select the transfer category you want to set
4
Enter the daily transfer limit, then click "Update
limit" to save
*To configure daily transfer limits for individual
registered payees, please click "Manage Payee" after
"Transfer & Pay" in Step 2
$0 handling fee for transfers to Mainland or overseas
Whether it's paying daily expenses in Mainland or overseas,
Hang Seng Mobile App makes it easy for you!
Scenario |
Available features |
Features |
|---|---|---|
| Transfer HKD10,000 or below1 (or equivalent) to Mainland2 | Payment Connect |
|
| Transfer over HKD10,000 or equivalent to Mainland | Global Money+ |
|
| Transfer overseas | Global Money+ |
|
How to transfer to Mainland or oversea:
How to transfer to Mainland or oversea:
1
Log on Hang Seng Mobile App
2
At the bottom menu, select "Transfer & Pay" then
choose "Mainland & overseas"
3
To transfer to Mainland, select "To mainland
account" and follow the on-screen instructions
4
To transfer overseas, select "Global
Money+" and follow the on-screen
instructions
Reminder!
If you want to transfer to Mainland or overseas,
remember to set your daily transfer limit for Mainland
and overseas first!
More Secure Transfer Features You Should Know
Hang Seng Mobile App's "Scan to pay" feature saves your time entering bill details and helps avoid input errors. Many government bills, insurance, and telecom bills are supported!
How to use "Scan to pay"?
Open Hang
Seng Mobile App > Click "Transfer & Pay" in left-hand menu
> choose "Scan to pay" > Log on and scan the QR code on
your bill and follow the instructions to pay.
If you receive e-bills, you can take a screenshot of the QR code, then tap "Scan to pay" and select "Import from album" at the top right corner to upload the QR code!
When transferring via Hang Seng Mobile App, if the system detects the payee account has been flagged as "high risk" by Scameter from Hong Kong Police Force or is involved in reported scams, you will be warned before confirming the transfer. You should immediately stop the transaction to avoid fraud. Even if no alert appears, please carefully verify the payee's details and identity multiple times before confirming the payment to ensure safety!
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Foreign exchange involves exchange rate risk. Terms and Conditions apply to the service.
Remarks:
- Payment Connect is subject to an annual limit of HKD200,000 or equivalent (applicable to HKID Card holders who select "Personal payment" as the purpose of transfer) and the "Small value daily transfer limit" of up to HKD10,000 or equivalent.
- You can transfer / receive funds with designated mainland banks via Payment Connect, including Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, etc. You can view the full list of designated mainland banks via Payment Connect on Hang Seng Mobile App.
- If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
- Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.
Set up Hang Seng Mobile App on your new phone with ease!
Before switching to a new phone, log on to Hang Seng Mobile
App on your old phone to remove it, then activate Mobile
Security Key on your new phone and log on seamlessly for
secure banking.
Re-verify on your new phone
Re-verify on your new phone
1
Log on to Hang Seng Mobile App on your old iPhone
2
From the left menu, select "Settings & Security"
3
Go to "Device & App Settings" > "Manage Device" and
remove the old device
4
On your new phone, download Hang Seng Mobile App
5
Follow instructions to verify your identity with
your HKID
6
Set up your "6-digit PIN", and you're ready to log
on to Mobile App
*Please ensure that the mobile number and email address
registered with the Bank are up to date in order to
complete verification.
Tip 1:
If your phone is lost or damaged, simply log on to
Personal e-Banking (Desktop version), go to "Settings" >
"Security-related" > "Manage Device" to remove the old
device. After that, you can continue from Step 4 to
verify your identity and complete the setup, then log on
to the Mobile App on your new phone.
Tip 2:
After setting up your "6-digit PIN", you may enable
biometric authentication to log on more quickly using
fingerprint or facial recognition. You don't have to
enter your password each time, while further
safeguarding your account against password leakage.
Why do I need to remove my old device?
To protect your account security, each customer can only
bind and log on to Hang Seng Mobile App on one mobile
device at a time. You can also follow our monthly shared
security tips to complete the setup, stay updated on
your account activities, and strengthen protection.
Add your credit cards to your mobile wallet for easier,
safer payments
Add your Hang Seng Credit Card to Apple Wallet or Google
Wallet to enjoy seamless, contactless payments at physical
stores or online — quick, secure, and convenient.
Add your credit card to mobile wallet
Add your credit card to mobile wallet
1
Log on to Hang Seng Mobile App
2
On the "My Credit Cards" page, select the card you
wish to add, then tap "Add to Apple Wallet" or "Add
to GPay"
3
Complete SMS verification, review your card details,
and read the Terms & Conditions
4
Once successfully added, your card status will show
as added to mobile wallet on the "My Credit Cards"
page
Remember to log on to the Hang Seng Mobile App
regularly to review your transaction history. We also
recommend enabling Push Notifications to receive
important credit card updates, such as
"card-not-present transaction" alerts and payment due
reminders, so you can stay in control of your account
with confidence.
Got an issue and want instant help?
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Terms and Conditions apply to the service.
To borrow or not to borrow? Borrow only if you can repay!
Before You Shop
to enhance protection
Want to stay on top of your account activities?
Turn on Push Notifications to receive instant updates
anytime, anywhere — whether it's for card-not-present
(CNP) transactions or credit card limit utilisation
alerts. Stay informed with ease and spot any suspicious
activity early.
Running out of credit limit when making a payment?
With Hang Seng Mobile App, you can transfer or change
credit limit, and set "card-not-present" transaction
limit — giving you greater flexibility and control,
whether you're making everyday spending or large
purchases.
Worried about online shopping scams?
Hang Seng Mobile App helps enhance your protection. When
you make a transfer to a merchant using the App, the
system will alert you before confirming the transaction
if the payee account is found suspicious (for example,
previously flagged as "high risk"by Scameter). You can
then choose to stop the transfer and avoid potential
scams — making every payment safer and worry-free.
After You Shop
Can't recall a particular transaction while reviewing
your spending?
Hang Seng Mobile App now offers new credit card
management features, including real-time updates on your
outstanding balance so you can stay on top of
repayments. A new transaction details page also lets you
view merchant names, foreign currency exchange rates and
posting dates — helping you easily identify every credit
card transaction.
Noticed an unauthorised transaction?
Log on to the App, go to the left-hand menu and select
"Settings & Security." Tap "Report suspicious
transactions" and choose the relevant transaction type
to report it — helping you minimize loss and protect
your account.
Hang Seng Mobile App introduces two new transfer
features
- Paying can be thoughtful too
Splitting the bill after dining or shopping? With JustPay,
you can generate your own unique QR code in just one tap
for easier payment collection! You can also add a themed
animation, voice & text message with emojis to make every
payment a heartfelt one.
Set up recurring transfer and save more
effortlessly
Want to schedule recurring transfers (standing
instructions)? No need to visit a branch or make a call —
you can now set them up directly on the App. Use this new
feature to build your savings easily by scheduling a
portion of your salary to be automatically transferred to
your designated savings account on payday. Even during the
peak spending season, you can stay disciplined and save
with ease. Whether it's for household expenses or rent,
it's equally convenient!
Tip: When making or receiving payments,
always provide the correct payee's name to avoid
transaction rejection.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Terms and Conditions apply to the service.
To borrow or not to borrow? Borrow only if you can repay!
2025 Hang Seng Big Data1
Transfers
On average, each Hang Seng customer made
67 transfers throughout the year, with
the number of transfers completed on Hang Seng Mobile
App or Hang Seng Personal e-Banking increasing by
8% year-over-year!
Credit Card Spending
On average, each Hang Seng credit card customer made
115 credit card transactions throughout
the year, with nearly 75% using Hang Seng
Mobile App to manage their credit cards!
Digital Banking
Hang Seng customers logged on to Hang Seng Mobile App
an average of 13 times per month!
Secure Transfer Features
Hang Seng Mobile App offers multiple layers of security
authentication to provide you with greater peace of mind
when making transfers. For example, additional verification
is required when transferring larger amounts to
non-registered payees. You can also set different transfer
limits according to your needs to enhance account security.
Once set up, you can enjoy the following
quick and secure transfer features:
JustPay – A brand-new way to pay
Access JustPay directly from Hang Seng Mobile App
homepage. You can "Sweet Pay" with themed animations,
voice recording, text, and emoji along with your
payment. You can even create a QR code of yours to split
bills and get paid effortlessly!
$0 transfer fee to Mainland China and overseas
- With Payment Connect, you can transfer up to HKD 10,0002 (or equivalent) to Mainland China3 per day and enjoy instant RMB exchange.
- For transfers over HKD 10,000 (or equivalent) to Mainland China, or for sending money in local currencies to over 50 designated countries or regions4 including the UK, US, Australia, New Zealand and Canada, you can use Global Money+.
Standing instructions
Set up standing instructions for rent, household
expenses, or savings without visiting a branch or making
phone calls. You'll never miss any fixed, regular
payments again — fast and hassle-free!
Reminder
When transferring via Hang Seng Mobile App, if the system
detects that the recipient's information is flagged as "High
Risk" or linked to scam reports under the Hong Kong Police
Force's Scameter, a warning will be displayed to remind you
to stop the transaction to avoid potential fraud.
Secure Credit Card Management
Easily manage every transaction
The new transaction details page lets you view merchant
names, foreign currency exchange rates and posting dates
— helping you easily manage every credit card
transaction. If you spot any suspicious activity, you
can report it directly via the App.
Stay on top of your repayment status
Once you settle your credit card statement balance and
the payment is successfully posted, the outstanding
amount updates instantly, allowing you to keep track of
your latest repayment status.
Request a replacement for damaged cards via the App
You can now request a replacement for a damaged credit
card directly through the App — no need to call or visit
a branch.
Reminder
You can check the expiry date of your +FUN Dollars anytime
in the +FUN Centre. You may redeem eCoupons at +FUN Shop
using +FUN Dollars — make the most of every reward point.
Turn on Push Notifications to receive instant updates about your credit cards, such as Credit Card Payment Due reminder and Credit Card e-Statement Issuance Notification.
Got an issue and want instant help?
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
To borrow or not to borrow? Borrow only if you can repay!
Foreign currency exchange involves exchange rate risk. Services are subject to terms and conditions.
Remarks:
- Source: Data as of 31 Oct 2025, derived from Hang Seng customers' transaction records of transfers and card spending via Hang Seng accounts from 1 Jan 2025 to 31 Oct 2025. Transfers cover local, cross-border, and overseas transfers, including transfers to accounts with the same name. The number of logons is based on the bank's internal data. The information is for reference only.
- Payment Connect is subject to an annual limit of HKD200,000 or equivalent (applicable to HKID Card holders who select "Personal payment" as the purpose of transfer) and the "Small value daily transfer limit" of up to HKD10,000 or equivalent.
- You can transfer / receive funds with designated mainland banks via Payment Connect, including Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, etc. You can view the full list of designated mainland banks via Payment Connect on Hang Seng Mobile App.
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Wealth and Personal Banking Customers.
- If you need to transfer non-local currency or to other non-designated countries or regions, it costs HKD160 or equivalent.
- Please note, some receiving and/or correspondent banks may charge additional fee when they process the transaction.
The new year is the perfect time to boost your account's
security. We have been continuously enhancing the security of
Hang Seng Mobile App to provide you a safer and more convenient
banking experience. Check out these 7 practical security tips to
see how our latest features can help protect your account!
1
Hassle-free new device setup: Hong Kong ID + selfie
After getting a new device, continuing to use online banking is easy! Simply use your Hong Kong Identity Card (issued on or after 26 November 2018) and a selfie to verify your identity and securely link your new device to Hang Seng Mobile App. Once the setup is complete, you'll need to verify your identity in the App for high-risk transactions to keep your account safe.
Reminder:
We are gradually replacing SMS OTPs with other
identity verification methods to prevent
interception by hackers and enhance security!
2
Activate biometric authentication and easily log on to
Hang Seng Mobile App
After linking your device to Hang Seng Mobile App, you can activate biometric authentication (i.e. fingerprint or facial recognition). It's a faster and more secure way to log on and verify transactions than using a password, as you won't have to worry about anyone peeking at it.
3
Level up your security by authenticating transactions
and your identity with Hang Seng Mobile App
With Hang Seng Mobile App, you can securely and quickly verify your identity and authorise high-risk transactions. For example:
Online Shopping: When making a card-not-present (CNP) transaction, you can view and confirm the transaction details via App without receiving a SMS OTP, making the process safer and more convenient.
Phone Banking: You can now verify your identity via App and carry out phone banking instructions. This reduces the risk of impersonation, and even if you forget your phone banking PIN, it won't be an issue.
4
Get instant updates on your account with push
notifications
Once you enable push notifications, you'll receive alerts about your transactions and account updates, including transfers, credit card due repayment, and more. This helps you spot any suspicious transactions or unusual account activity early.
5
Check your account activity regularly to stay in control
Make it a habit to log on to Hang Seng Mobile App. Go to "Settings & Security" > "Your Recent Activities" to track recent logons, transactions and banking activities. This helps you get a full picture of your account status and prevent unauthorised use.
6
Strengthen your security by changing your password
regularly
Just as you exchange cash for the New Year to welcome the God of Wealth, it's important to update your passwords regularly. We recommend changing them every three months. Avoid easily guessable combinations, such as your date of birth or phone number, and never reuse the same password across different platforms.
Additionally, we have upgraded the following security measures:
- Resetting your logon password on the Personal e-Banking (desktop version): You now need to obtain a one-time security code for verification via Hang Seng Mobile App, replacing the previous method of receiving a SMS OTP to reset your password.
- Resetting your Hang Seng Mobile App "6-digit PIN": You need to use your registered device and follow the on-screen instructions, providing your account information as required to reset the PIN.
7
Keep your Hang Seng Mobile App updated to the latest
version
Keep your banking secure in the New Year. Remember to update the Mobile App to the latest version for an improved and more secure experience.
To help protect your account security, please remember:
- Don't install the Mobile App from third-party platforms
- If we detect a potential risk on your device, such as suspected malware, we will temporarily suspend digital banking services on that device.
Extra peace of mind
If you have idle funds, consider putting them in a "Money
Safe" account. It's like locking your money away in a
personal safe. This not only provides extra protection for
your savings but also helps reduce potential losses from
scams – hitting two birds with one stone!
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Terms and Conditions apply to the service.
1
With so many types of transfer limits, which one should
I set?
Setting appropriate transfer limits helps ensure
transaction security. You may refer to the table below to
determine suitable limits based on factors such as
transfer frequency, amount, and the recipients'
trustworthiness.
Scenario |
You should set up |
Features |
|---|---|---|
|
Small value daily transfer limit (Amount: HKD 1 - HKD 10,000) |
|
|
Non-registered payee daily transfer
limit (Amount: HKD 1 - HKD 400,000) |
|
|
Registered payee daily transfer limit; and Individual registered payee daily transfer limit (Amount: HKD 1 - HKD 1,500,000)
*Remember to add the recipient as a registered
payee when transferring for the first time.
|
|
Guide for setting transfer limits: Go to the Hang Seng Website > Digital > Digital Guide > Settings & Security section's "How to update transfer limit"
2
Already set a daily transfer limit but still can't
complete the transfer?
Even if you have set a "Registered payee daily transfer limit," a transfer would fail if the amount exceeds the individual daily limit for that specific registered payee.
Reminder:
When adding a new registered payee, the system defaults their individual daily transfer limit to HKD50,000. Please ensure this individual transfer limit is higher than your actual transfer amount to complete the transaction successfully.
To view the transfer limits for individual
payees, follow these steps:
Log on to Hang Seng Mobile App and select
"Settings & Security" from the left menu >
"Transfer & Pay" > "Manage payees" > select and
view / manage individual registered payees
3
Are overseas transfers free? Any hidden charges?
Use Hang Seng Mobile App's Global Money+ to transfer funds in local currency to over 50 selected countries and regions1, including the UK, US, Australia, New Zealand, and Canada — with no handling fees.
If you transfer in a non-local currency (e.g., USD to the UK) or to a non-designated country/region (e.g., Japan), Hang Seng charges a transparent handling fee of HKD160 (or equivalent) — regardless of any overseas bank fees. All key information, including exchange rates, handling fees, and the total debit amount will be clearly stated during the transfer process, with no hidden charges.
4
Both autopay and recurring transfers are available on
Hang Seng Mobile App. What's the difference between
them?
1
Autopay / Direct Debit Authorisation
Instruction:
It authorises a designated payee to withdraw
payments from your Hang Seng account on an agreed
schedule. It is typically used for bills or merchant
payments with variable monthly amounts, e.g.,
utilities.
2
Recurring Transfer / Standing Instruction:
It enables you to transfer a fixed amount regularly
to another account. It is typically used for fixed
expenses, e.g., household allowance, rent.
Both transfer functions can be set up via the Hang Seng Mobile App, allowing you to amend or cancel instructions2 anytime. This saves you time from queuing at the branch.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Risk Disclosure of Foreign Exchange
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 losses in the event that the customer converts HKD
to foreign currency or vice versa, and/or in the event that
the customer converts a foreign currency time deposit to HKD
upon maturity.
Terms and Conditions apply to the service.
Remarks:
- We will update the list of the eligible countries or regions and local currencies from time to time. Other transfers include the transfers to other applicable countries or regions and the transfers to over 50 designated countries or regions in non-local currencies. Learn more about the charge details via the Bank Tariff Guide for Hang Seng Retail Banking and Wealth Customers.
- Customers can amend or cancel their Direct Debit Authorisation Instruction directly through the Hang Seng Mobile App. However, for Standing Instruction, the app supports cancellation only.
1
Access your annual income records in one place for easier form filling
Before filing your taxes, it's essential to prepare your annual income records. Typically, employers will complete the Employer's Return (Form IR56) to report employees' income.
If you want to organise your tax information before receiving your IR56 copy, you can log on to the Hang Seng Mobile App anytime to download e-Statements and review your salary income, as well as other reportable income such as part-time earnings. This helps you complete your tax return more easily while reducing the risk of missing any income.
If you want to organise your tax information before receiving your IR56 copy, you can log on to the Hang Seng Mobile App anytime to download e-Statements and review your salary income, as well as other reportable income such as part-time earnings. This helps you complete your tax return more easily while reducing the risk of missing any income.
🔔Reminder:
Please note that the salary figures shown in the app may already have deductions such as MPF, ORSO, or other contributions applied. These figures are for reference only. For official tax filing, you should rely on your employer-provided IR56 form or annual payroll statements to ensure accuracy.
2
Easily verify tax deductions and avoid missing eligible deductions
Hong Kong offers various tax deductions, including home loan interest, domestic rent deductions, self-education expenses, and qualifying deferred annuity premiums.
You can use the Hang Seng Mobile App to check and verify some of these deductible items. Below are some common scenarios:
You can use the Hang Seng Mobile App to check and verify some of these deductible items. Below are some common scenarios:
Scenario 1: Home loan interest
If your mortgage is with Hang Seng, you can review the interest paid during the relevant year of assessment.
Log on to Hang Seng Mobile App > select "Account Services" from the left menu > "e-Statement / e-Advice" > choose your mortgage account under "Instalment Loan" > "Mortgage Loan - Annual Statement of Instalment Loan Account"
Scenario 2: Qualifying deferred annuity premiums
If you purchased a qualifying deferred annuity policy through Hang Seng, you can check the premiums paid during the year of assessment.
Log on Hang Seng Mobile App > select "Account Services" from the left menu > "e-Statement / e-Advice" > choose the relevant annuity policy and view the annual summary.
3
Download supporting documents anytime for peace of mind
The Inland Revenue Department may conduct random checks on claimed allowances and request supporting documents.
For example, if your claim for dependent parent allowance is reviewed, and you support your parents through bank transfers or regular cash withdrawals from your Hang Seng account, you can easily retrieve e-Statements from the app as proof, without the hassle of searching for physical documents.
For example, if your claim for dependent parent allowance is reviewed, and you support your parents through bank transfers or regular cash withdrawals from your Hang Seng account, you can easily retrieve e-Statements from the app as proof, without the hassle of searching for physical documents.
Got an issue and want instant help?
If you want to contact us, you don't have to visit a branch or call our hotline. A faster way is to use Hang Seng Mobile App's Virtual Assistant, H A R O!
Log on to Hang Seng Mobile App and tap the H A R O/question mark icon at the top right corner to consult our Virtual Assistant H A R O for general banking enquiries and easily resolve your issues.
Still haven't downloaded the Hang Seng Mobile App?
Act now and experience comprehensive personalised mobile banking!
Act now and experience comprehensive personalised mobile banking!
Terms and Conditions apply to the service.
Remarks:
- You must 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 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.
The following information is for general reference only. Please don't consider it as tax or legal advice. Hang Seng Bank, our branches and subsidiaries ("Hang Seng") don't guarantee that it is accurate and complete. We are not responsible for any errors and are not liable for any loss or damage that results from reliance upon this information. Please seek professional legal and tax advice specific to your own situation.