Important Risk Warnings

Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:

  • Once the respective quota is used up, trading will be affected or will be suspended.
  • Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
  • When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
  • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.

Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.

Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.

Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.

Our securities services help you tap investment opportunities

Hang Seng Securities Services provide you with comprehensive online trading channels, empowering you to capture investment opportunities in different markets with flexible portfolio allocations. With Invest Express1, you can trade HK stocks, US stocks and A-shares all via one single app. In addition, you can explore personalized market information, build stock selection strategies or enjoy brokerage fee reduction reward through our award-winning platform, helping you to seize market trends more conveniently.

Buy ETF / Buy & Sell US Stock: Earn Extra 4% p.a. New Fund Savings Rate
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Enjoy extra 4% p.a. HKD and USD preferential savings ratesi by buying HK ETF / buying or selling US Stock ("Eligible Securities Transaction(s)") and depositing new funds! Earn extra interest in the month after Eligible Securities Transaction(s), easily increase your passive income!


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From 1 January 2026 to 31 March 2026, buy Exchange Traded Funds ("ETF") listed in Hong Kong and/or buy or sell US Stock through any securities trading channels, and depositii new funds with HKD5,000 equivalent or aboveiii, to enjoy extra 4% p.a. HKD and USD preferential savings ratesi in the next month after execution of Eligible Securities Transaction(s).

Just 3 simple steps with no registration required

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1 Buy HK ETF / buy or sell US Stock

Execute Eligible Securities Transaction(s) via any securities trading channel of the Bank

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2 Deposit HKD / USD new funds

With Eligible Incremental Balanceiii of minimum HKD5,000 equivalent under Eligible Deposit Account(s)ii in the month after Eligible Securities Transaction(s)

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3 Unlock extra 4% p.a. savings rates

Enjoy extra 4% p.a. HKD and USD savings ratesi on the Eligible Incremental Balance in the month after Eligible Securities Transaction(s)

How to calculate Eligible Incremental Balance?
How to calculate Eligible Incremental Balance?
How to calculate Eligible Incremental Balance?

Terms and conditions apply to the above offer.
Terms and conditions apply to the above offer.
Terms and conditions apply to the above offer.

Multiple Rewards for US Stock Trading
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Ready to trade US stocks? Start now and grab the exclusive offers!


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Offer 1: Lifetime US Stocks Brokerage Fee Half Price Offer

Make the 1st time submission of Substitute Form W-8BEN to enjoy lifetime brokerage fee half price (i.e. USD0.0075 per share and min. USD7.5 per trade)2 for any US securities transaction through Invest Express

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Offer 2: Free US Stock Reward New securities customers exclusive

From today until 31 March 2026, upon 1 successful execution of buy or sell trade of stocks through online trading channels and securities trading hotline4, you will enjoy 1 share of Coca-cola Co. (NYSE: KO) (approximate value of USD70)3

Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers
US Stock Trading

“Scratch Reward” : Earn Rewards for Your Stock Trades!
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Get ready for a new round of "Scratch Reward" and win brokerage fee coupon any time!

A new round of "Scratch Reward" is now available, bringing you more opportunities to earn brokerage fee coupons!

From now until 30 April 2026, customers trading HK stocks / US stocks / A shares through any securities trading channel of the Bank can get a scratch card for each transaction. Logon to Hang Seng Invest Express mobile app to scratch your card for a chance to win a brokerage fee coupon and up to full brokerage fee waiver on your next trade. There is no limit on the number of coupons to be received!

Learn More 
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Securities Customers with Payday+, Save More on Trading
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Securities customers switch to Hang Seng PayDay+ for payroll services to enjoy a range of high-value securities offers, helping you save more on trading!

1. Buy HK ETFs with $0 brokerage fee

Buy HK ETFs5 through online trading channels4 to enjoy unlimited $0 brokerage fee until 31 March 2026!

2. Buy US stocks with $0 brokerage fee

Buy US stocks6 through Hang Seng Invest Express1 to enjoy $0 brokerage fee until 31 March 2026, maximum amount being USD100 per customer!

Learn More 
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Terms and conditions apply to the above offers.
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Securities customers can enjoy the following offers:

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Welcome offers for New Securities Customers

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Exclusive offers on HK stocks / US stocks / A shares

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SimplyStock

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Invest Express mobile app: Stock Screener & Personalized Stock Insight img-title-line

Hang Seng Bank won the Excellence Performance Award in HK Banking Securities Sector - Digital Trading Platform from Bloomberg Businessweek / Chinese Edition Financial Institutions 2025 and "01 FinTech Excellence Awards 2025 – Innovative Digital Securities App" by HK01.


Invest Express offers personalized stock insight from Hang Seng's big data and Stock Screener in single one app to meet your needs anytime.


Stock Screener

You can build your strategy by Stock Screener to suit your investment goals

  • Featured strategies: to keep you up with the market
  • Customised Strategies: with common filters or all filters, suitable for beginners or seasoned investors

Personalized Stock Insight

Offer multi-dimensional with personalized stock insight of HK and US market to you, including:

  • Hot stock picks from all Hang Seng investors
  • Hot stock picks from Top 5% performers
  • Featured Sector
  • Most traded CBBC / Warrant (only HK market)

Based on our analysis of relevant transactions data such as investors’ holdings, stock trading types, investment experience etc, you can now gain more insights into the popular trading stocks of investors like you, and keep up with market trends and sectors you may be interested in, enabling you to capture new investment opportunities.


Information is for reference only. It does not represent any investment advice, offer, solicitation or recommendation and has not taken into consideration the individual circumstances of any customers. Investing involves risks.

Learn More 
Learn More 
Learn More 

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Hang Seng Invest Express mobile app

Hang Seng Invest Express: Trade securities at your fingertips

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Watch Video

Hang Seng Invest Express mobile app

Stock insights from Hang Seng’s big data to help you enhance your investment strategies

Watch Video
Watch Video

Hang Seng Invest Express mobile app

Help you to track stocks and portfolio performance

Watch Video
Watch Video
More Securities Knowledge

More Securities Knowledge, please visit our website: Investments > Investment Academy

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Invest smartly at your fingertips

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Apple Store Google Play Apple Store Google Play

Customer Enquiries: 2822 0228

  • Android, Google Play and the Google Play logo are trademarks of Google LLC.
  • Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

Buy ETF / Buy & Sell US Stock: Earn Extra 4% p.a. New Fund Savings Rate

  1. According to below Schedule, Eligible Customer with "Eligible Incremental Balance" of minimum HKD5,000 equivalent under his/her "Eligible Deposit Account(s)" can be entitled to extra "4% p.a. HKD and USD savings rates" in the corresponding "Designated Deposits Growth Period" for the "Eligible Incremental Balance".
    • Schedule
      Eligible Securities Transaction(s) Period Designated Deposits Growth Period (A) Designated Deposits Comparison Date (B) Date of Cash Reward
      January 2026 February 2026 31 December 2025 On or before 30 June 2026
      February 2026 March 2026 31 January 2026
      March 2026 April 2026 28 February 2026
    • The extra interest is calculated as simple interest on a 360-day basis, and is paid by way of cash reward.
    • The Bank reserves the right to suspend, amend or terminate this offer at any time without prior notice.
  2. Applicable to "Eligible Deposit Account(s)", including savings account(s) and current account(s) of HKD and USD in Eligible Customers’ sole name or in the capacity as the primary account holder in the case of a joint account. For the avoidance of doubt, time deposit accounts are excluded from the Eligible Deposit Accounts.
  3. New funds must be "Eligible Incremental Balance", which is calculated based on this formula: Deposit daily average balance of all Eligible Deposit Account(s) in the "Designated Deposits Growth Period" (A) - the Deposit balance of all Eligible Deposit Account(s) as of the "Designated Deposits Comparison Date" (B).
    • The Eligible Incremental Balance enjoying the extra preferential savings rate is capped at the aggregate transaction amount of Eligible Securities Transaction(s) of the relevant month.
    • In the case of any funds transfer made after 9pm on Mondays to Fridays or 6pm on Saturdays, and cheques deposited after the cut-off time of the Bank, the deposit balance change will be effective on the next working day. All the related account deposit balances shall be based on the records of the Bank.

Remarks:

  1. For details about Hang Seng Invest Express mobile app, please visit our website: Investments > Securities > Hang Seng Invest Express mobile app. Details about Hang Seng Invest Express mobile app.
  2. Half-price is based on prevailing standard brokerage fee applicable from time to time, subject to change if standard brokerage fee is adjusted.
  3. Rewards for US stocks trading and the provision of free shares 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. The approximate stock value is calculated based on its market closing price per share on 10 December 2025.
  4. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. Securities trading hotlines include Automated Securities Trading Hotline and Manned Securities Trading Hotline. Details about the Security for Trading Securities and Other Investment Products Online.For details about the security for trading securities online, please visit our website: Investments > Other Related Services > Security for Trading Securities and Other Investment Products Online.
  5. “HK ETFs” refer to ETFs listed and traded on The Stock Exchange of Hong Kong Limited (“SEHK”).
  6. “US stocks” refer to Common Stocks (excluding warrants), Exchange Traded Funds (ETFs) and American Depository Receipts (ADRs) traded on New York Stock Exchange (NYSE), Nasdaq Global Market (NASDAQ), NYSE Amex Equities Market (AMEX) and NYSE ARCA.
  7. 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.
  8. $0 brokerage fee is applicable to all transactions of HK stocks or Stock Connect Securities. No minimum transaction amount is required for each transaction. “Stock Connect Securities” refer to A- shares/Exchange Traded Funds (ETFs) listed on the Shanghai Stock Exchange and/or Shenzhen Stock Exchange and eligible for Shanghai-Hong Kong Stock Connect Northbound Trading/Shenzhen- Hong Kong Stock Connect Northbound Trading. US stocks trading is applicable to Invest Express only.
  9. Details about the relevant services charges apply on stocks deposit service or contact our staff. Designated Deposit Period for new securities customers is from account opening date to 30 April 2026 while that for existing securities customers is from 1 January 2026 to 31 March 2026. Please refer to table below for detail about the cash reward of up to HKD12,000:
    Prestige Private Prestige Banking Preferred Banking or other Integrated Accounts
    New securities customers HKD12,000 HKD6,000 HKD3,600
    Existing securities customers HKD3,600

**The Free Shares Reward offer 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 Trustee, 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 ETF 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.

Other Important Risk Warnings

Risk Disclosure of Exchange Traded Fund ("ETF") investment

Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.

Risk Disclosure of investing in foreign securities

Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.

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.

Risk Disclosure for TraHK

  • The Tracker Fund of Hong Kong (“TraHK”) is an exchange-traded fund designed to provide investment results that closely correspond to the performance of the Hang Seng Index (“Index”) but its return may deviate from that of the Index.
  • Investment involves risk, including risks of concentration of investments in shares in constituent companies of the Index, performance of the Index, economic, political and social developments, risks relating to investment in Hong Kong-listed stocks, and dual counter risks. Investors may lose part or all of their investments.
  • Due to fees and expenses of TraHK, liquidity of the market and tracking strategy adopted by the Manager, TraHK's return may deviate from that of the Index.
  • The trading price of TraHK may differ from the underlying net asset value (“NAV”) per unit.
  • TraHK may not be suitable for all investors. Investors should not invest based on this website only. Investors should read TraHK's prospectus including all risk factors, consider the product features, their own investment objectives, risk tolerance level and other factors, and seek independent financial and professional advice as appropriate prior to making any investment.
  • The performance of TraHK, the NAV per unit and the performance by the manager and the trustee of their respective obligations are not guaranteed by the HKSAR Government. The HKSAR Government has given no guarantee or assurance that the investment objective of TraHK will be met.

Important notes and disclaimer

These promotion materials have not been reviewed by the Securities and Futures Commission in Hong Kong ("SFC"). The information contained herein is for general information and reference purposes only and is not intended to provide professional investment or other advice. It is not intended to form the basis of any investment decision. You should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, you should take into account your own circumstances including but not limited to your financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment product. You should obtain appropriate professional advice where necessary.
These promotion materials are not intended to provide or regard as legal or taxation advice, or investment recommendations If you are in doubt of the marketing and promotional activities and materials of the Bank, please call customer service enquiry hotline for authentication.

Open a securities account

Existing Integrated Account Customers –
Log on Hang Seng Personal e-Banking to open a securities account

Non-integrated Account Customers – Open an account online first with mobile app

Open a securities account open-page-icon Activate US securities trading service open-page-icon Buy/Sell Stockopen-page-icon
Existing Securities Customers - activate US securities trading service open-page-icon Buy/Sell Stock open-page-icon