Embark on a referral journey and double your rewards! Successfully refer your friends and family to open a new account or switch to PayDay+ payroll service 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!
The Customer Referral Reward for Prestige Private, Prestige Banking and PayDay+ Customer Referral Reward are only applicable to persons who are located in the Hong Kong Special Administrative Region. For the Terms and Conditions of Customer Referral Reward for Prestige Private and Prestige Banking, please visit here. For the Terms and Conditions of PayDay+ Customer Referral Reward, please visit here.
The Customer Referral Reward for Preferred Banking is only applicable to persons who are located in the Hong Kong Special Administrative Region, and either hold a Hong Kong Identity Card or have a residential address in Hong Kong. For the Terms and Conditions of Customer Referral Reward for Preferred Banking, please visit here.
Referrer
Referee
Your friends and family successfully join
From now till 30 September 2026, eligible customer1,2 successfully refer friends and family to open new account or switch to PayDay+ payroll service and fulfill designated requirements3,4,8 can enjoy up to HKD10,000 for each successful referral:
Prestige Private
HKD10,000 cash reward
Prestige Banking
HKD2,000 cash reward
Preferred
Banking
HKD200 cash reward*
*Each referrer can refer up to 3 referees during the promotion period and receive up to total HKD600 in cash rewards.
PayDay+
HKD400 cash reward
Extra Referral Reward
Prestige Private
Prestige Banking
Enjoy an exclusive HKD7,000 Apple Store gift card5 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 
for registration.
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 or switch to PayDay+ payroll service now to enjoy welcome rewards and banking service.
Open an account or switch to PayDay+ payroll service now to enjoy welcome rewards and banking service.
Prestige
Private
Enjoy over
HKD54,600
Cash reward6
Total Relationship Balance requirement:
HKD8,000,000
HKD8,000,000
Prestige Private Welcome rewards
Prestige Private Welcome rewards
Prestige Private Welcome rewards
Prestige Private: exclusive
Prestige Club privileges
Prestige Private: exclusive
Prestige Club privileges
Prestige Private: exclusive
Prestige Club privileges
Prestige
Banking
Enjoy over
HKD39,100
Cash reward7
Total Relationship Balance requirement:
HKD1,000,000
HKD1,000,000
Prestige Banking Welcome rewards
Prestige Banking Welcome rewards
Prestige Banking Welcome rewards
Prestige Banking: exclusive
Prestige Club privileges
Prestige Banking: exclusive
Prestige Club privileges
Prestige Banking: exclusive
Prestige Club privileges
Preferred
Banking
Reward up to
HKD9,3009
This also includes an additional HKD200 cash reward for completing a simple deposit task
Preferred Banking Welcome rewards
Preferred Banking Welcome rewards
Preferred Banking Welcome rewards
.
.
PayDay+
Welcome cash reward of up to
HKD3,200
and a series of exclusive offers10
No salary requirement,
no complex tasks
no complex tasks
PayDay+ Welcome rewards
PayDay+ Welcome rewards
PayDay+ Welcome rewards
.
.
Referral Steps for Referee
Customer Referral Reward for Account Opening
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, Prestige Banking, or Preferred 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; or requirement of Preferred Banking.
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 
.
.
2. After registration, open Prestige Private, Prestige Banking, or Preferred Banking account and fulfil the requirement under Prestige Private or Prestige Banking "Total Relationship Balance" Reward; or requirement of Preferred Banking.
PayDay+ Customer Referral Reward
Referees can register for the PayDay+ Welcome Offer via the Hang Seng Mobile App using the referral code.
1. Referees have to be Prestige Private / Prestige Banking / Preferred Banking customers, and open the PayDay+ Welcome Offer registration page via the Hang Seng Mobile App
How to get to the registration page?
Log on to the Hang Seng Mobile App > Click "Latest Offers" under "Offers" in Main Menu > "Banking" > PayDay+ Promotion > Click "Register now" in the PayDay+ promotion page
Log on to the Hang Seng Mobile App > Click "Latest Offers" under "Offers" in Main Menu > "Banking" > PayDay+ Promotion > Click "Register now" in the PayDay+ promotion page
2. On the registration page, referees can tap "please provide to us", enter the referral code in the "Promotional code" field, and then complete the registration.
3. Referees have to complete the registration during the promotion period, switch to PayDay+ payroll service using Prestige Private / Prestige Banking / Preferred Banking account by 31 October 2026 and maintain the payroll record monthly, subject to the relevant requirements4.
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, Prestige Banking and Preferred 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.
- PayDay+ Customer Referral Reward: Eligible referrers must be the Bank’s PayDay+ payroll customers with an eligible payroll record under their Prestige Private, Prestige Banking, or Preferred Banking account. The relevant account must be held in the customer’s sole name or, in the case of a joint account, the customer must be the primary account holder. For details, please visit hangseng.com/usage16.
- 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.
- The promotion period of the PayDay+ Customer Referral Reward is from 2 July 2026 – 30 September 2026. Terms and Conditions apply, please visit hangseng.com/usage16 for details.
- 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+ welcome cash reward 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+ welcome cash reward 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.
- The promotion period of Preferred Banking Customer Referral Reward is from 10 July to 30 September 2026. The referrer must successfully refer a referee to open a Preferred Banking account within promotion period. Each referrer can refer up to 3 referees during the promotion period and receive up to total HKD600 in cash rewards. The referee must successfully open a Preferred Banking account with initial fund-in of HKD20,000 or above into the Eligible Deposit Account within the month of account opening, maintains the balance until the second month after account opening month, and successfully registers e-Banking.
- Referee successfully open a Preferred Banking account, register e-Banking, and fulfil designated deposit requirements within promotion period can enjoy HKD200 cash reward. Terms and conditions apply. Please click here for details. New Preferred Banking Customers could enjoy rewards of value up to HKD9,100 (including +FUN Dollars and HKD cash rewards) by completing designated banking services and requirements during the promotion period. For details, please visit hangseng.com/preferred/offers.
- Terms and conditions apply. For details, please refer to hangseng.com/payrolloffer.
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. For the PayDay+ Customer Referral Reward, 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.