Limited-time Account Opening Offer

Unlock a HK$1,000 cash rebate by completing two simple tasks.
Simply apply for a business account online from October 1 to December 31, 2025, and enjoy the reward upon successful account opening by January 31, 2026:

Task 1:

Complete a simple online survey within the validity period*

Task 2:

Make a single spending of at least HK$500 or above with the Hang Seng Commercial Multi-Currency Debit Mastercard⁺

*Hang Seng Commercial Banking service survey on account opening experience will be sent via email to the contact person’s email address set out after the Said Account is opened. The survey is valid for 14 days commencing from the date an email sent or on or before 28 February 2026 (whichever is earlier).

⁺The spending must be made on or before 28 February 2026.

Terms and Conditions of Limited-Time Account Opening 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^{^^}

You can also visit our Business Banking Center where our account opening specialists are ready to provide you with immediate assistance.

Two types of business accounts to suit different business needs!

	Biz Virtual+ Account	Integrated Business Solutions Account
Business Model	Startups and Local SMEs¹	SMEs and Well-established Corporates
Shortest Time for Account Opening	Opened in as fast as 3 business days² (Remote Account Opening Application)	Opened in as fast as 5 business days² (Remote Account Opening Application)
Monthly Fee	Waived for the first 12 months. From the 13^th month, waived if Total Relationship Balance³ is HK$50,000 equivalent or above	Waived if Total Relationship Balance³ is HK$100,000 equivalent or above
Payment Services Privilege	Enjoy preferential pricing on Faster Payment System (FPS) payment⁴	Enjoy preferential pricing on Cheque Book Issuance Fee⁵

Note:

^#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.

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 Customer acknowledges that Trade Service (except Bank Guarantee service) will not be available.
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 3/5 business days upon completing Digital ID Verification and e-Sign by the aforementioned connected party(ies). For other circumstances, the entire Business Account Application requires 2-3 weeks to proceed.
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.
The Total Relationship Balance is the monthly aggregate balance of the daily average of customer's deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances and the outstanding balance of loans (except mortgage loan), trade finance (applicable for Integrated Business Solutions Account) and Hang Seng MPF Balance and the premium paid for the designated general insurance plans distributed by Hang Seng Bank as an agent for that month.
Enjoy a half waiver on service charge for Biz Virtual+ Account on Outward Transactions Payment via Faster Payment System. Service charge of HK$5 per transaction for payment amount HK$100,000 above - HK$1,000,000. HK$2.5 per transaction for payment amount HK$100,000 equivalent or below. RMB charges only apply to RMB transactions.
Cheque Book Issuance Fee for Biz Virtual+ Account is HK$100 per cheque book, while Integrated Business Solutions Account enjoys preferential pricing of HK$50 per cheque book.

Power Up Welcome Offer

Unlock the Power Up welcome offers

To equip and power up your business!

Hang Seng Transact Pass

Unlimited use of global and local payment services plus preferential foreign exchange rate to streamline your business operations. Subscribe online now to enjoy privileges up to HK$33,000** and additional 2-months subscription fee waiver / rebate up to HK$1,600!

**The benefit value is subject to usage of the banking solutions with the consideration of the monthly plan offer/ fee waiver and one-off set up fee waiver

Commercial Multi-Currency Debit Card

Make payments and cash withdrawals conveniently in 12 major currencies, early lock in preferred FX rate and enjoy no handling fee for foreign currency transactions

Unlimited 0.5% cash rebate on all eligible transactions, help you minimize your expenses and earn more

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

FPS

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

Payroll

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

Deposit

Enjoy the first 2 months’ Bonus Deposit Interest Rate

Biz Collect+ - FPS QR Bill Collection Services

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

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

Trade

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

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

If you would like to learn more about cross-border wealth management solutions, please submit your contact information, and the Hang Seng e-Commerce team will call to provide consultation and advice, assisting in exploring cross-border business opportunities.

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Terms and conditions of the Power Up Welcome Offer

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

Open a corporate account online or via mobile, and enjoy a HK$300 discount on account opening administration fees*

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

2. Complete digital ID verification

3. Complete e‑Sign

View Transcript

*For remote account opening without an in-person interview, the administrative fee is HK$1,000. An additional fee of HK$300 will be charged for account opening through a Business Banking Centre.

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Power Up Welcome Offer