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 HK Stocks / US Stocks: Up to 8% p.a. Extra Savings Rate

Enjoy extra 3% p.a. HKD and/or 8% p.a. USD preferential savings rateⁱⁱ in the month after buying HK Stocks and/or US Stocks with new funds deposited! Easily increase your passive income!

From 1 May 2026 to 31 July 2026, buy HK Stocks and/or US Stocks through any securities trading channels and deposit new funds in corresponding currency for minimum HKD5,000 and/or USD1,000ⁱⁱⁱ, to enjoy extra 3% p.a. HKD and/or 8% p.a. USD savings rateⁱⁱⁱ in the next month after buying HK Stocks and/or US Stocks.

Just 3 simple steps with no registration required

1 Buy HK and/or US Stocks

Buy HK stocks via any securities trading channels of the Bank and/or buy US stocks via Invest Express

2 Deposit HKD and/or USD new funds

With Eligible Incremental Balance in corresponding currency reaches minimum HKD 5,000 and/or USD 1,000ⁱⁱⁱ in the month after buying HK and/or US Stocks

3 Unlock up to 8% p.a. extra savings rate

Enjoy 3% p.a. HKD and/or 8% p.a. USD extra savings rateⁱⁱ for the Eligible Incremental Balanceⁱⁱⁱ in the corresponding currency in the month after buying HK and/or US Stocks

How to calculate Eligible Incremental Balance?

Terms and conditions apply to the above offer.

Multiple Rewards for US Stock Trading

Ready to trade US stocks? Start now and grab the exclusive offers!

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

Offer 2: Free US Stock Reward New securities customers exclusive

From today until 30 June 2026, upon 1 successful execution of buy or sell trade of stocks through online trading channels and securities trading hotline³, you will enjoy 1 share of Coca-cola Co. (NYSE: KO) (approx. value HKD600)⁴

Offer 3: US Stock Lucky Draw Preferred Banking customer exclusive

From today until 30 June 2026, Preferred Banking customers who submit HKIDR Consent Form and W-8EBN Substitute Form within 1 month of securities account opening will be automatically entered into the US stock lucky draw to win Vanguard S&P 500 ETF (NYSE: VOO)⁴

Prize 1: 14 shares of VOO, approx. value HKD68,000 (1 winner)
Prize 2: 5 shares of VOO, approx. value HKD25,000 (2 winners)
Prize 3: 1 share of VOO, approx. value HKD5,000 (27 winners)

Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers

"Scratch Reward" : Earn Rewards for Your Stock Trades!

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 31 August 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

(Picture is for reference only)

Securities Customers with Payday+, Save More on Trading

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 channels³ to enjoy unlimited $0 brokerage fee until 30 June 2026!

2. Buy US stocks with $0 brokerage fee

Buy US stocks⁶ through Hang Seng Invest Express¹ to enjoy $0 brokerage fee until 30 June 2026, maximum amount being USD100 per customer!

Learn More

Terms and conditions apply to the above offers.

Securities customers can enjoy the following offers:

Welcome offers for New Securities Customers

Exclusive offers on HK stocks / US stocks / A shares

SimplyStock

Invest Express mobile app: Stock Screener & Personalized Stock Insight

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
ETF Filter: use specific criteria related to ETFs (Exchange Traded Funds) to screen for available ETFs

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

Securities Academy

Hang Seng Invest Express

Get started on the 3 main features in Stock Screener

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

Hang Seng Invest Express mobile app

Help you to track stocks and portfolio performance

Watch Video

More Securities Knowledge

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

Invest smartly at your fingertips

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 HK Stocks / US Stocks: Up to 8% p.a. Extra Savings Rate

According to below Schedule, Eligible Customers who have successfully executed HK and/or US Stock buy transaction(s) ("Eligible Securities Buy Transaction(s)") and fulfilled the "Eligible Incremental Balance" requirement (as described in Clause iii) in corresponding currency under his/her Eligible Deposit Account(s), can be entitled to the extra savings rate as stated in Clause ii for the "Eligible Incremental Balance" in the corresponding "Designated Deposit Growth Period".

Schedule

Eligible Securities Buy Transaction(s) Period*	Designated Deposit Growth Period (A)	Designated Deposit Comparison Date (B)	Date of Extra Interest Rebate
1 May 2026 – 31 May 2026	June 2026	30 April 2026	On or before 31 October 2026
1 June 2026 – 30 June 2026	July 2026	30 May 2026
1 July 2026 – 31 July 2026	August 2026	30 June 2026

*The transaction period for an Eligible Securities Buy Transaction(s) will be determined based on the trading day of the relevant market (Hong Kong or US) on which the relevant transaction(s) is executed and based on the Bank’s records.

Extra Savings Rate Offer

Eligible Securities Buy Transaction(s)	Eligible HK Stocks	Eligible US Stocks
Extra Savings Rate (Applicable to "Eligible Incremental Balance")	3% p.a. extra HKD savings rate	8% p.a. extra USD savings rate
Eligible Deposit Account(s)	All HKD savings account(s) and current account(s) in customer’s sole name and in the capacity as the primary account holder in the case of a joint account (Time deposit accounts are excluded)	All USD savings account(s) and current account (s) in customer’s sole name and in the capacity as the primary account holder in the case of a joint account (Time deposit accounts are excluded)

The extra interest is calculated as simple interest on a 365-day basis for HKD and a 360-day basis for USD.
The Bank reserves the right to suspend, amend or terminate this offer at any time without prior notice.

New funds must be "Eligible Incremental Balance", which is calculated as:
According to Clause i, daily average balance in the "(A) Designated Deposit Growth Period" minus the balance as of the corresponding "(B) Designated Deposit Comparison Date" of all Eligible Deposit Account(s)ⁱⁱ

"Eligible Incremental Balance" requirement and cap:

Eligible Securities Buy Transaction(s)	Eligible HK Stocks	Eligible US Stocks
"Eligible Incremental Balance" requirement	Minimum HKD5,000	Minimum USD1,000
Cap of "Eligible Incremental Balance"	The aggregate transaction amount of Eligible HK Stocks in the relevant Eligible Securities Buy Transaction(s) Period or HKD2,000,000 (whichever is lower)	The aggregate transaction amount of Eligible US Stocks in the relevant Eligible Securities Buy Transaction(s) Period or USD250,000 (whichever is lower)

All the related account deposit balances shall be based on the records of the Bank.

Remarks:

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.
Half-price is based on prevailing standard brokerage fee applicable from time to time, subject to change if standard brokerage fee is adjusted.
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.
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 9 March 2026.
"HK ETFs" refer to ETFs listed and traded on The Stock Exchange of Hong Kong Limited ("SEHK").
"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.
The approximate value of the stock is calculated based on the closing price on 9 March 2026.
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.
The US stock lucky draw includes the following prizes:
- Prize 1: 14 shares of Vanguard S&P 500 ETF (NYSE: VOO), with each prize valued at approximately HKD68,000 (1 winner)
- Prize 2: 5 shares of Vanguard S&P 500 ETF (NYSE: VOO), with each prize valued at approximately HKD25,000 (2 winners)
- Prize 3: 1 share of Vanguard S&P 500 ETF (NYSE: VOO), with each prize valued at approximately HKD5,000 (27 winners)
$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.

Details about the relevant services charges apply to stocks deposit service or contact our staff. Designated Deposit Period for new securities customers is from account opening date to 31 July 2026 while that for existing securities customers is from 1 April 2026 to 30 June 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

Risk Disclosure of investing in foreign securities

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.

Scan QR code to download / logon Invest Express now.

Download / logon Invest Express now.

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

Activate US securities trading service

Buy/Sell Stock

Existing Securities Customers - activate US securities trading service

Buy/Sell Stock

Buy HK Stocks / US Stocks: Up to 8% p.a. Extra Savings Rate

Enjoy extra 3% p.a. HKD and/or 8% p.a. USD preferential savings rateii in the month after buying HK Stocks and/or US Stocks with new funds deposited! Easily increase your passive income!

Multiple Rewards for US Stock Trading

Ready to trade US stocks? Start now and grab the exclusive offers!

"Scratch Reward" : Earn Rewards for Your Stock Trades!

Get ready for a new round of "Scratch Reward" and win brokerage fee coupon any time!

Securities Customers with Payday+, Save More on Trading

1. Buy HK ETFs with $0 brokerage fee

2. Buy US stocks with $0 brokerage fee

Invest Express mobile app: Stock Screener & Personalized Stock Insight

Securities Academy

Invest smartly at your fingertips

Open a securities account

Enjoy extra 3% p.a. HKD and/or 8% p.a. USD preferential savings rateⁱⁱ in the month after buying HK Stocks and/or US Stocks with new funds deposited! Easily increase your passive income!