We provide a payroll service that comes with comprehensive banking support and exclusive privileges on savings, spending and wealth management, offering you the flexibility to grow your wealth with ease.
Welcome Offer for New Payroll Customers
| HKD Deposit Balance maintained in the Eligible HKD Savings Account | Preferential HKD Savings Rate (p.a.) |
|---|---|
| First HKD300,000 or below | 1.0% |
| Next HKD100,000 or below | 5.0% |
Exclusive Privileges for Payroll Customers
Tax season is back. Here’s your chance to save more and boost your cash flow!
From today till 21 December 2025, payroll customers who successfully apply for the Hang Seng Personal Instalment Loan and draw down with designated amount and repayment period can enjoy a cash rebate of up to HKD12,800!
For details, please visit Hang Seng Bank Website (Personal) > Loans > Personal Instalment Loan
How to switch to PayDay+ for payroll
service?
- Inform your employer to get paid with your Hang Seng bank account now via Autopay. No additional procedure is required!
-
Once you see this icon
after logging into Personal e-Banking, it means
you've become our payroll customers.
FAQ section
Open your account via mobile in simple steps!#
If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.
Enquiry and Trading Hotlines - Hang Seng Bank
For the Terms and Conditions of the Hang Seng PayDay+ Promotion (4 August – 30 September 2025), please click here.
For the Terms and Conditions of the Hang Seng PayDay+ Promotion (30 April – 3 August 2025), please click here.
For the Terms and Conditions of Hang Seng PayDay+ Promotion (30 April – 3 August 2025) and Hang Seng PayDay+ Promotion (4 August – 30 September 2025) , please visit Hang Seng Bank Website (Personal) > Banking > Integrated Personal Accounts > Preferred Banking > Preferred Banking rewards and offers > View details > Terms and Conditions of Preferred Banking Promotion > General Terms and Conditions > Clause 3.
Remarks:
-
The promotion period is from 2 October 2025 to 31 December
2025, for new eligible payroll customers who register for the
offer via the Hang Seng Mobile App. Terms and conditions
apply, please visit
hangseng.com/usage7
for details.
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The offer is for new eligible payroll customers only. From 1
October 2025 till 31 December 2025, eligible customers who
apply for Hang Seng Travel+ Visa Signature Card, Hang Seng
MMPOWER World Mastercard® or Hang Seng Prestige
World Mastercard®
and whose applications are successfully approved on or before
31 January 2026, can get an extra $100 +FUN Dollars on top of
the welcome offer of up to $700 +FUN Dollars upon meeting the
designated Welcome Offers spending requirement. Terms and
Conditions apply, please visit
hangseng.com/cardc1
for details. To borrow or not to borrow? Borrow only if you
can repay!
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The promotion period is from 24 October 2025 – 21 December
2025. Eligible customers should hold a payroll record of not
less than HKD5,000 each in any 2 months from March 2026 – May
2026, and the payroll record should be held in a Hang Seng
Integrated Account. To borrow or not to borrow? Borrow only if
you can repay! Terms and conditions apply, please visit
hangseng.com/hcpil
for details.
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The promotion period is from 1 October 2025 to 31 December
2025. For Eligible Customers with Eligible Incremental Balance
of designated currencies. Savings rate is for reference only.
Foreign exchange involves exchange rate risk. Terms and
conditions apply. Please visit
hangseng.com/depositspromo7
for more details.
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From 30 April 2025 till 31 December 2025, eligible payroll
customers with securities account can enjoy a $0 brokerage fee
for buy HK ETFs which are conducted through our online trading
channels. Online trading channels include Hang Seng Personal
e-Banking, Hang Seng Personal Banking mobile app and Hang Seng
Invest Express mobile app. HK ETFs refer to all ETFs listed
and traded on The Stock Exchange of Hong Kong Limited
(“SEHK”). Investment involves risks. Services and offers are
subject to terms and conditions. For details, please refer to
hangseng.com/stockoffer
.
-
From 30 April 2025 till 31 December 2025, eligible payroll
customers with securities account can enjoy a $0 brokerage fee
for buy US stocks which are conducted through the Hang Seng
Invest Express mobile app. Investment involves risks. Services
and offers are subject to terms and conditions. For details,
please refer to
hangseng.com/stockoffer.
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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. Learn more about Scratch Reward from
hangseng.com/secoffer
. Investment involves risks. Services and offers are subject
to terms and conditions.
-
Eligible payroll customers who have successfully applied for
the private residential mortgage loan during 1 October 2025 –
31 December 2025 and drawn down the mortgage loan amount (must
be HKD 3,000,000 or above) before 30 June 2026 and also
maintain a valid payroll record on 30 September 2026 will be
entitled to additional cash rebate. Terms and Conditions
apply, please visit
hangseng.com/usage9
for details. To borrow or not to borrow? Borrow only if you
can repay!
-
The promotion period is from 2 July 2025 - 31 December 2025.
“Bank’s Cost Price” refers to the exchange rate for foreign
exchange without any sales margin normally charged by the
Bank. Other mark-up applied to the exchange rate for
operational reasons however will not be waived. When the
customer makes JPY or EUR spending or withdrawal but have
insufficient JPY or EUR funds in the respective account, the
relevant transaction amount will then be converted from HKD at
the “Bank’s Cost Price” and deducted from the customer’s HKD
Savings Account. Foreign exchange involves exchange rate risk.
Terms and Conditions apply, please visit
hangseng.com/forexreward
for more details.
- The promotion period is from 16 May 2025 to 15 January 2026. Terms and conditions apply. Please visit hangseng.com/promotion for more details during the promotion period.Please visit Hang Seng Bank Website > Personal > Cards > Credit Card Offers & Rewards > Spending Privileges > Everyday Air Ticket Lucky Draw during the promotion period for details. To borrow or not to borrow? Borrow only if you can repay!
Other Important Risk Warnings
Important notes and disclaimer
Investors should not only base on this material alone to make
any investment decision, but should read in detail in the
relevant risk disclosure statements. 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.
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
loss of principal in the event that the customer converts the
deposits from Hong Kong Dollar or foreign currency to another
currency, and/or in the event that the customer converts a
foreign currency time deposit to another currency (including
Hong Kong Dollar) upon maturity.
Risk Disclosure of Securities Investment
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.
To borrow or not to borrow? Borrow only if you can repay!