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Hang Seng PayDay+ Preferential HKD Savings Rate Offer (2 October 2025 – 31 December 2025) Terms and Conditions

General Terms and Conditions

  1. Unless otherwise specified, the promotion period of Hang Seng PayDay+ Preferential HKD Savings Rate Offer (the “Offer”) is from 2 October 2025 – 31 December 2025 , both dates inclusive (“Promotion Period”).
  2. Each eligible customer can only enjoy the offer once. This Offer cannot be used in conjunction with 2025 Quarter 2 and 2025 Quarter 3 Hang Seng PayDay+ Promotion - Preferential HKD savings rate offer (2025 Quarter 2: 30 April 2025 – 30 June 2025, 2025 Quarter 3: 2 July 2025 – 30 September 2025 ). For the Terms and Conditions of 2025 Quarter 2 and 2025 Quarter 3 Hang Seng PayDay+ Promotion - Preferential HKD savings rate offer, please visit (2025 Quarter 2) and (2025 Quarter 3). If the customer registered repeatedly for 2025 Quarter 3 PayDay+ Promotion - Preferential HKD savings rate offer and this Offer, only the latest registration will be processed.
  3. Hang Seng Bank Limited (“the Bank”) reserves the right to suspend, vary or terminate this Offer and to amend the terms and conditions at any time without prior notice. The decision of the Bank on all matters relating to this Offer shall be final and binding on all the parties concerned. The relevant Offer is subject to the terms and conditions of the relevant product/service. If there is any inconsistency between the terms and conditions of the relevant product/service and the terms and conditions, the terms and conditions shall prevail. In case of any discrepancy between the English and the Chinese versions of the terms and conditions, the English version shall prevail.
  4. No person other than the customer and the Bank (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
  5. These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  6. These terms and conditions are subject to prevailing regulatory requirements.

Hang Seng PayDay+ Preferential HKD Savings Rate Offer Terms and Conditions

  1. The Offer is applicable to personal customers who are (i) holding any Integrated Accounts of Prestige Private, Prestige Banking or Preferred Banking (“Eligible Account”) maintained with the Bank in their sole name or in the capacity as the primary account holder in the case of a joint account, and (ii) fulfil the following requirements:
    1. Successfully completed online registration of this welcome offer in Hang Seng Mobile App within the Promotion Period ("Registration Date”). The Bank will determine the eligibility of the online registration based on the latest record held by the Bank (“Registration Record”). In case of any disputes, the Bank’s records shall be final and conclusive; and
    2. Had 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 July 2025 – 30 September 2025; and
    3. Successfully set up payroll service with the first monthly salary (“Eligible Payroll Record”) directly credited to the HKD Savings/HKD Current Account of the Eligible Account (“Payroll Account”) from the employer’s company account via Autopay during the period from 2 October 2025 – 31 January 2026 . The monthly salary has to be in Hong Kong Dollars. An Eligible Payroll Record should be made in the Payroll Account in each calendar month after the first Eligible Payroll Record until the end of the preferential HKD savings rate Bonus Period. The customer’s identity as a payroll customer will be updated in the Bank’s record on the 7th working day of the subsequent month after the Eligible Payroll Record is made. For the purposes of the Offer, working day refers to Monday to Saturday (excluding public holiday).

    Only salary transfer instructions indicated for payroll purpose and recognized by the Bank’s system as such may be considered as Eligible Payroll Record. Any salary transferred on public holiday/after the cut-off time of the Bank will be processed on the next working day. If the next working day falls in the following month (M), the customer’s identity as a payroll customer will be updated in the Bank’s record on the 7th working day in the subsequent month (M+1). The Bank reserves 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”.

  2. Upon fulfilling the requirements of Clause 1 above, the personal customer (the “Eligible Payroll Customer”) can enjoy the preferential HKD savings rate (“Preferential Savings Rate”) starting from the 1st working day of the 2nd calendar month (Month 0+2) following the month he/she becomes an Eligible Payroll Customer (Month 0). Each Eligible Payroll Customer can enjoy the Preferential Savings Rate on the deposit balance placed in the HKD Savings Account of the Eligible Account (“Eligible HKD Savings Account”) for a maximum of 3 calendar months as stipulated in the below illustration (“Bonus Period").
    Date of fulfilling the requirements as an Eligible Payroll Customer Bonus Period Start Date Bonus Period End Date
    2 October 2025 – 31 October 2025 1 December 2025 28 February 2026
    1 November 2025 – 30 November 2025 2 January 2026 31 March 2026
    1 December 2025 – 31 December 2025 1 February 2026 30 April 2026
    1 January 2026 – 31 January 2026 1 March 2026 31 May 2026
  3. The Preferential Savings Rate is applicable to the first HKD400,000 savings in the Eligible HKD Savings Account during the Bonus Period (“Preferential Savings Interest”) as set out in below table.
    HKD deposit balance maintained in the Eligible HKD Savings Account Preferential Savings Rate (p.a.)
    First HKD300,000 or below 1.0%
    Next HKD100,000 or below 5.0%

    The above Preferential Savings Rates may be subject to review according to changes in market conditions from time to time at the Bank’s sole discretion.

    The Preferential Savings Rate shall replace prevailing HKD Savings Rate for the first HKD400,000 savings maintained in the Eligible HKD Savings Account which it applies to as stipulated in the above table, and no additional interest shall be given other than the Preferential Savings Interest for the respective savings.

    The prevailing HKD Savings Rate (applicable to HKD Savings Account only) will apply to any deposits amount in excess of the cap (i.e. HKD400,000).

    In the case of any fund transfer instruction received/ cheque deposited after the cut-off time of the Bank, the deposit balance will be updated on the next working day. All the related account deposit balances shall be based on the records of the Bank.

  4. The Preferential Savings Interest is calculated for HKD on a 365-day or 366-day (for a leap year) as year base.
  5. The Preferential Savings Interest (rounded upward or downward to the nearest 5 cents, or as the Bank may solely decide) shall accrue on a daily basis and be credited to the Eligible HKD Savings Account at such intervals as the Bank may decide (for details, please refer to the Integrated Account Terms and Conditions, which shall prevail in the case of any discrepancy with this clause 5).
  6. If the Eligible Payroll Customer fails to maintain an Eligible Payroll Record in each calendar month until the end of the Bonus Period after the first Eligible Payroll Record, the Preferential Savings Rate will be revoked and the prevailing HKD Savings Rate will immediately apply thereafter without prior notice. The Preferential Savings Rate will not be reinstated in any circumstances once revoked.
  7. At the time the Preferential Savings Interest is credited, the Eligible Payroll Customer must still maintain valid Eligible HKD Savings Account and Payroll Account or he/she shall be deemed to have forfeited the right to receive the relevant Preferential Savings Interest absolutely at the Bank’s sole discretion and shall not be paid through any other channel.
  8. The Bank recommends Eligible Payroll Customers to maintain a valid mobile number with the Bank for receiving subsequent notification related to the Offer.
  9. In case the relevant account is a joint-named account, only the primary account holder can enjoy the Offer. Each eligible HKD Savings Account can be entitled to the offer only once.
  10. The Offer is not applicable to (i) the Bank’s Commercial Customers; (ii) Personal Customers aged under 18; (iii) Personal Customer with payroll record under any account of the Bank from 1 July 2025 to 30 September 2025; (iv) the Bank’s staff and (v) customers who are eligible to be entitled to the offers of 2025 Quarter 2 or 2025 Quarter 3 Hang Seng PayDay+ Promotion - Preferential HKD savings rate offer (2025 Quarter 2: 30 April 2025 - 30 June 2025 , 2025 Quarter 3: 2 July 2025 - 30 September 2025 ).
  11. The Preferential Savings Rate Offer cannot be used in conjunction with other promotional offer(s) of the same product or savings offers of the same currency (including but not limited to Mortgage-link Loan Scheme, 2025 Quarter 2 and 2025 Quarter 3 Hang Seng PayDay+ Promotion - Preferential HKD savings rate offer).
  12. The Offer is applicable to Eligible Payroll Customer who has Eligible Payroll Record in Hong Kong Dollars only.
  13. Each Eligible Payroll Customer can only be entitled to the Offer once.