Enjoy flagship rewards by opening an account and applying for a card NOW!

From 15 April to 30 September 2025, new customers who successfully open an account¹ and apply for the Hang Seng Commercial Multi-Currency Debit Mastercard will have the chance to enjoy 3 flagship rewards worth over HK$ 30,000 by meeting the spending requirements on eligible transactions! Open an account and apply your card now to unlock exclusive rewards!

Hang Seng is here with you on your business journey. Discover the “Power Up Welcome Offers” by opening an account now to enjoy exclusive new customer rewards designed to help you expand your business opportunities!

Commercial Multi-Currency Debit Mastercard
3 Flagship Rewards

Activation Offer - Enjoy up to 18% cash rebate upon eligible spending!^A

From 15 April to 30 September 2025, new customers can enjoy up to 18% cash rebate on the first accumulated HK$1,000 (or equivalent) of eligible transactions when paying with the Commercial Debit Card.

Spending Amount (or equivalent)	Cash Rebate %
HK$0.1 to HK$15,000	0.5%
Over HK$15,000 to HK$30,000	1%

Smart Savings

Profitable Spendings

Open an account and apply card now Open an account and apply card now Open an account and apply card now

^A18% cash rebate is only applicable to new Hang Seng Commercial Bank debit card user on the eligible transactions.

^BUnlimited 0.5% cash rebate are available for any eligible spending, with an extra 0.5% rebate for designated spending as part of the Double-Up Offer. Each cardholder can earn an additional rebate of up to HK$225.

Activation Offer, Double-Up Offer Activation Offer, Double-Up Offer Activation Offer, Double-Up Offer and the Lucky Draw Lucky Draw Lucky Draw are subject to the Terms & Conditions.

Additional chance! Open an account now to join lucky draw!

From 1 March to 30 April 2025, you can get a lucky draw chance to win an HKTVmall e-Gift Voucher by successfully open a Hang Seng Business Integrated Account².

The rewards are worth up to HK$8,800 (1 set), HK$1,800 (2 sets), and HK$500 (7 sets)³!

Apply for a bank guarantee supported by cash collateral, issued as fast as the same day – Payment Guarantee with Zero Delay! Open an account and successfully issue a bank guarantee⁴ to get extra two lucky draw chances⁵ upon issuance.

Designated Activities	Lucky Draw Chance Entitled
Successfully open a Hang Seng Business Integrated Account	1 Lucky Draw chance
Successfully open a Hang Seng Business Integrated Account; and successfully issue a bank guarantee⁴ on or before 31 May 2025	3 Lucky Draw chances

Hang Seng Business Integrated Account includes Biz Virtual+ Account and Integrated Business Solutions Account. The application of the Said Account must be submitted on or before 30 Sep 2025 to be eligible for this promotion.
Hang Seng Business Integrated Account includes Biz Virtual+ Account and Integrated Business Solutions Account. The application of the Said Account must be submitted on or before 30 Apr 2025 and the account must be opened successfully on or before 31 May 2025, to be eligible for this promotion.
Each eligible customer can receive the HKTV mall e-gift voucher only once in this promotion.
Eligible customer must apply for a bank guarantee after account opening, and the bank guarantee must be issued on or before 31 May 2025.
Each eligible customer can be entitled to a maximum of 3 lucky draw entries.

Offers are subject to the Terms & Conditions

Power Up Welcome Offer

Retail, F&B and Consumer Service

Unlock the Power Up welcome offers

To equip and power up your business!

FPS QR Code Bill Collection Service

Enjoy setup fee waiver and the first 2 months' transaction fee

Remittance

Enjoy the first 2 months’ transaction fee waiver for online Outward Remittance transactions (max. 5 transactions)

Enjoy the first 2 months’ transaction fee waiver for Inward Remittance transactions (max. 5 transactions)

Foreign Exchange

Up to 140 pips exchange rate premium for converting major foreign currencies into HKD

Trade

Bank guarantee supported by cash collateral to enjoy a promotion offer 1.28% p.a. on Issuance Handling Commission in the first year with as fast as same day issuance

Payroll

Enjoy the first 12 months Payroll instruction fee waiver via digital channels submission

FPS

Enjoy the first 2 months’ transaction fee waiver for FPS Outward Payment (Max. 30 transactions)

Deposit

Enjoy the first 2 months’ Bonus Deposit Interest Rate

Hang Seng Commercial World Mastercard and Virtual Card

Successfully apply Commercial World Mastercard to enjoy up to $600 +FUN Dollars and 2 years annual fee waiver on your cards

Enjoy 50% off set up fee for Virtual Card Service

Investment

Unlimited HK$0 brokerage fee for trading of HK Stocks, A-Shares and US Stocks

Enjoy HK$0 Subscription Fee for Investment Funds distributed by Hang Seng Bank

Terms and conditions of the Power Up Welcome Offer

For companies registered in Hong Kong, whether your connected parties^# are Hong Kong or mainland China residents, located in Hong Kong or mainland China,
you can open your company account fully online via desktop and mobile^A in as fast as 3 days^{^^}

HKD300 discount on Account Opening Administrative Fee*

First 12-month fee waiver on Monthly Fee**

Guaranteed Hassle-Free Account Opening: No charges in case of an unsuccessful application!

^#The applicant’s connected party(ies) include Directors, Authorised Signers, Principal Shareholders, Beneficial Owners , Key Controllers and Direct Appointees.
^ATo apply online ("remote account opening service"), the applicant’s connected party(ies) must hold a Hong Kong or mainland China’s Resident Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong or mainland China when submitting the application, completing digital ID verification and e‑Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.
^{^^}For application with all connected party(ies) who are HKID holders and located in Hong Kong, the Business Integrated Account can be opened in as fast as 3 business days for the Biz Virtual+ Account/5 business days for the Integrated Business Solutions Account upon completing Digital ID Verification and e‑Sign by the aforementioned connected party(ies). Customer(s) will receive a SMS notification for e‑Sign after the(1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face‑to‑face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.
*Business Integrated Account opened via remote account opening and without Face-to Face appointment, the account opening administrative fee is HK$1,000. An additional fee of HK$300 will be charged for application submitted via Business Banking Centre.
**Only applicable to Biz Virtual+ Account

Application Requirements: (i) All connected parties of the Applicant such as directors, shareholders and authorized signers shall be as HKID cardholder(s), with single layer ownership. Place of incorporation, registered address, business address and correspondence address should all be in Hong Kong; (ii)The Applicant’s annual sales turnover meets with Hang Seng’s designated level; (iii)The Applicant is required to apply for Hang Seng Business e‑Banking separately. The Maximum Daily Limit(s) under Hang Seng Business e‑Banking either Fund Transfer to Designated Beneficiary Accounts or Fund Transfer to Non-Designated Beneficiary Accounts should not be over HK$200,000 each; and (iv) The Applicant has not entered into and will not enter into the Trade Finance General Agreement with Hang Seng.

Open your company account fully online via desktop or mobile is equally convenient in 3 steps!

1. Submit an application by providing your company's details

2. Complete digital ID verification

3. Complete e‑Sign

View Transcript

Apply for the essential services in one go to level up your business!

Apply for Company Account + Company Card

New customer to set up business account and Commercial World Mastercard online in one go!

Apply now

Apply for Business Account + Business Loan

Apply for Business Loan online to know the result in as fast as 10 seconds. Start two applications simultaneously!

Apply now

Two types of Integrated Business Account to suit different business needs!

Compare accounts

Suitable for start-ups or businesses that are started to grow

Suitable for SMEs and well-established corporates who require a full range of banking services to meet sophisticated business needs

Activation Offer

Enjoy up to 18% cash rebate upon eligible spending!A

Double-Up Offer

Enjoy rebate of up to 1% upon designated eligible spending

The Lucky Draw

Lucky draw for luxury dining, travel and leisure treats

Activation Offer - Enjoy up to 18% cash rebate upon eligible spending!A

Double-Up Offer - Enjoy rebate of up to 1% upon designated eligible spending

The Lucky Draw - Lucky draw for luxury dining, travel and leisure treats

Free Luxury Dining Treats

Free Travel Treats

Free Luxury Sea-bound Party Treats

Power Up Welcome Offer