Remark:

⁺10-seconds approval-in-principle approval service is only applicable to the online applications for eligible customers who apply within the designated time, and subject to the accuracy of information provided by customers, the devices and internet performance of customers, the availability and stability of the Hang Seng’s related systems and servers, as well as the credit reference agency’s services.

**Up to HK$3,300 cash rebate for successful application and drawdown of the Instalment Loan under SME Business Loan.

^The first 300 Hang Seng Commercial Banking’s customers can enjoy a cash rebate of 0.2% on the payment collection amount for the first 3 calendar months, starting from the next calendar month after designating their Hang Seng Business Account as the collection account. The maximum cash rebate is up to HK$600.

^#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 Applicant has not entered into and will not enter into the Trade Finance General Agreement with Hang Seng.

Terms and Conditions apply to services and offers for the above services and offers. For details, please visit Hang Seng Bank website.
To borrow or not to borrow? Borrow only if you can repay!