Refer your friends to open an account and get unlimited cash reward

Embark on a referral journey and double your rewards! Successfully refer your friends and family to open a new account to enjoy generous rewards together, with cash reward of up to HKD10,000 for each referral, plus more surprising rewards along the way! The more you refer, the more you can earn! Take action now to earn more with ease with your loved ones in 2026!

Referrer

Referee

Your friends and family successfully join

From now till 30 September 2026, eligible customer¹ successfully refer friends and family to open new account and fulfill designated requirements² can enjoy up to HKD10,000 for each successful referral:

Prestige Private

HKD10,000 cash reward

Prestige Banking

HKD2,000 cash reward

Extra Referral Reward

Prestige Private

Prestige Banking

Enjoy an exclusive HKD7,000 Apple Store gift card³ upon successfully refer three or above friends or family

Referral Steps for Referrer

1. Referrers click here and complete the Online Referral Form for registration

1. Referrers complete the Online Referral Form at hangseng.com/mgm2

for registration.

2. Receive a Referral Code and related links after registration.

3. Share the Referral Code and related links to your friends and family.

Welcome Rewards for Referee

Do you want to share exclusive privileges with your friends and family?
Open an account now to enjoy welcome rewards and banking service.

Prestige Private

Enjoy over

HKD54,600

Cash reward⁴

Total Relationship Balance requirement:
HKD8,000,000

Prestige Private Welcome rewards

Prestige Private: exclusive
Prestige Club privileges

Prestige Banking

Enjoy over

HKD39,100

Cash reward⁵

Total Relationship Balance requirement:
HKD1,000,000

Prestige Banking Welcome rewards

Prestige Banking: exclusive
Prestige Club privileges

Referral Steps for Referee

Referee may choose one of the following methods to complete the referral process.

Method 1: Enter the referral code during account opening process. (Applicable for account opening via mobile or at a branch (Branch assistant mode))

1. Referee can open a Prestige Private or Prestige Banking account through the Hang Seng Mobile App by selecting "Mobile Account Opening"; or select "Mobile Account Opening" and then switching to "Branch assistant mode" to open account at branch.

2. When opening the account, the referee should enter the referral code provided by the referrer in the "Referral Code" field. After a few simple steps to verify identity and complete personal information, the account opening process will be complete. Remember to fulfil the requirement under Prestige Private or Prestige Banking "Total Relationship Balance" Reward.

Method 2: Complete the online referral form to register as a referee, and open an account at a branch or via mobile (Applicable to all customers)

1. Referees click here and complete the Online Referral Form with the Referral Code provided by the Referrer

1. Referees register with the Referral Code provided by the Referrer via hangseng.com/pics1

.

2. After registration, open Prestige Private or Prestige Banking and fulfil the requirement under Prestige Private or Prestige Banking "Total Relationship Balance" Reward.

FX involves risk.

If you are in doubt of our marketing and promotional activities and materials, please call customer service enquiry hotline for authentication.

Remark

Customer Referral Reward for Prestige Private and Prestige Banking: Eligible referrer must hold any savings / current / fixed deposit or any integrated account denominated in HK Dollar / foreign currencies (i.e. Prestige Private, Prestige Banking, Preferred Banking or any other Integrated Account) with the bank.
The promotion period of Customer Referral Reward for Prestige Private and Prestige Banking is from 1 July to 30 September 2026 ("Promotion Period"). The referrer must successfully refer a referee to join Prestige Private or Prestige Banking, and the referee successfully fulfil the requirement of the Total Relationship Balance Reward of Prestige Private; or successfully fulfil the requirement of the Total Relationship Balance Reward of Prestige Banking.
Within Promotion Period, the referrer successfully referred 3 or above referees to join Prestige Private or Prestige Banking, and the referees successfully fulfil the requirement of the Total Relationship Balance Reward of Prestige Private or the requirement of the Total Relationship Balance Reward of Prestige Banking, the referrer could enjoy extra referral reward of a HKD7,000 Apple Store gift card.
The promotion period is from 1 July to 30 September 2026. The welcome rewards of Prestige Private including Prestige Private "Total Relationship Balance" Reward up to HKD39,000, open Family+ account(s) reward HKD200, Hang Seng PayDay⁺ offer HKD3,200, Hang Seng Prestige Multi-Currency Debit Mastercard up to HKD5,410, Foreign Exchange Offer up to HKD6,888 and other fabulous rewards. The Prestige Private "Total Relationship Balance" Reward is only applicable to customers who meet the account opening requirements and fulfil the entry Total Balance requirement of HKD8,000,000 or above upon newly opened as a Prestige Private at the Bank during the Promotion Period (the "Eligible Customers"). Eligible customers must bring in designated "Total Relationship Balance" Growth amount on / before the last day of the first month after the month of account opening, maintain Total Relationship Balance of HKD8,000,000 or above in the second, the third and the fourth months after the month of Prestige Private account opening month and have successfully opened Investment Account within one-month after the Promotion Period (i.e. on or before 31 October 2026). For details, visit hangseng.com/ppoffer.
The promotion period is from 1 July to 30 September. The welcome rewards of Prestige Banking including Prestige Banking "Total Relationship Balance" Reward up to HKD23,500, open Family+ account(s) reward HKD200, Hang Seng PayDay⁺ offer HKD3,200, Hang Seng Prestige Multi-Currency Debit Mastercard up to HKD5,410, Foreign Exchange Offer up to HKD6,888 and other fabulous rewards. The Prestige Banking "Total Relationship Balance" Reward is only applicable to customers who meet the account opening requirements and have newly opened to Integrated Account of Prestige Banking ("Prestige Banking") at the Bank branches or through digital channels during the Promotion Period (the "Eligible Customers"). Eligible Customers must bring in designated "Total Relationship Balance" Growth amount on / before the last day of the first month after the month of account opening and maintain the "Total Relationship Balance" Growth amount for the second, the third and the fourth months after the month of account opening. Customer must have successfully opened Investment Account and registered for Hang Seng Personal e-Banking within one-month after the Promotion Period (i.e. on or before 31 October 2026) and maintain valid e-Banking and Investment Account before receiving cash reward, and complete "Risk Profile Questionnaire" or whose "Risk Profile Questionnaire" record is valid as of 31 October 2026. For details, please visit hangseng.com/pseoffer.

Terms and Conditions and Remarks

Terms and conditions apply to all products / services and offers mentioned in this document. For the Customer Referral Reward for Prestige Private and Prestige Banking, please visit here.
The document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein.
Terms and conditions apply. Please approach our branch staff for enquiries.
Hang Seng Bank Limited (the "Bank") reserves the right to suspend, vary or terminate this promotion and the related offers and to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final.
The contents of this document have not been reviewed by any regulatory authority in Hong Kong.
This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.
The promotion is intended for persons in Hong Kong.

Important information

For "Risk Profiling Questionnaire"

The Risk Profiling Questionnaire is provided by Hang Seng Bank Limited (the "Bank") and is intended to help the customer understand his/her risk profile and investment needs. The Bank makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given. The suggestions are derived from information that the customer has provided to the Bank. The suggestions are designed to meet the needs discussed in this test and are in line with the customer’s attitude towards risk. The suggestions are for the customer’s consideration when making his/her own investment decisions. The suggestions are not an offer to sell or a solicitation to buy any financial products and the suggestions should not be considered as investment advice.