Exclusive Solution and Offers Power Up Your Business
The Hang Seng Commercial Multi-Currency Debit Mastercard (Commercial Debit Card), specifically designed for business professionals, which offers a suite of premium benefits to help you save costs and earn from spendings. Power Up every business opportunity in ever-changing environment!
Smart Savings
Save on Various Fees with Waivers
Full waiver on foreign transaction fees and annual fee, and no handling fee for local cash withdrawals from HSBC Group network ATMs in Hong Kong
Exclusive Discounts to Save Costs
Exclusive World Mastercard benefits and discounts to help you save costs in your daily operations
Save Time with Convenient Payment
Supports both online and offline transactions, pay directly from the linked business account with ease, allowing you to save time and streamline your payment processes
Global ATM Network Access
Cashless travelling, you can withdraw cash from HSBC Group and Mastercard network ATMs worldwide, saving your time and making your journey smoother
Profitable Spendings
Earn Unlimited Cash Rebate
Unlimited 0.5% cash rebate on eligible spendings
Capture Preferred Rate to exchange Foreign Currencies
Easy access to 12 major currencies worldwide and lock in preferred exchange rate before spending or withdrawal, allowing you to earn on transactions
(The 12 major currencies include Hong Kong Dollar, US Dollar, Renminbi, Australian Dollar, Canadian Dollar, Swiss Franc, Euro, British Pound, Japanese Yen, New Zealand Dollar, Thai Baht, and South African Rand.)
Flagship Privileges
Enjoy World Mastercard’s privileges including 24/7 Personalized Concierge services, Free Global Data Roaming and Holistic E-Commerce Protection
Enhanced Card Control for Greater Convenience
Allow instant card blockage, withdrawal limit and spending limit adjustment anytime, anywhere via Hang Seng Business Mobile App, allowing you to manage finances conveniently
Exclusive Offer For Hang Seng Commercial Customers:
Activation Offer: Enjoy up to 18% cash rebate upon eligible spending^
From 15 April to 30 September 2025, new customers can enjoy up to 18% cash rebate on the first accumulated HKD1,000 of eligible transactions when paying with the Commercial Debit Card.
Double-Up Offer: Enjoy rebate of up to 1% upon designated eligible spending
From 15 April to 30 September 2025, each debit cardholder can receive up to a 1% cash rebate on all eligible spending starting from over HKD15,000 and up to HKD30,000+.
The Lucky Draw: Lucky draw for luxury dining, travel and leisure treats
From 15 April to 31 December 2025, simply use your Commercial Debit Card and reach accumulated eligible spending of HKD30,000 (or equivalent) in any month to automatically join the Lucky Draw! The more cardholders who meet the spending requirement, the more chances your company will have in the draw.
Remarks:
- ^ 18% cash rebate is only applicable to new Hang Seng Commercial Bank debit card user on the eligible transactions.
- + Unlimited 0.5% cash rebate are available for any eligible spending, with an extra 0.5% rebate for designated spending as part of the Double-Up Offer. Each cardholder can earn an additional rebate of up to HKD225.
- Activation Offer, Double-Up Offer and the Lucky Draw are subject to the Terms & Conditions.
HKD Commercial World Mastercard
- Virtual Card solution that lets you handle each transaction with a unique card number! Enjoy enhanced authorisation controls such as spending limit, expiry date, number of uses
- Enjoy 2.8% unlimited rebate at 8 designated merchants : Facebook, Google, Amazon, Zoom, XERO, Adobe, Shopify and GoDaddy
- Apply now to enjoy $600 +FUN Dollars and 2 years annual fee waiver
- Offers a virtual card functionality, enabling the use of a distinct virtual card number for every transaction, with the ability to configure multiple transaction authorizations, including expenditure ceilings, validity durations, and frequency of use
The UnionPay Renminbi Diamond Commercial Card
- Designed for business owners, entrepreneurs in mind and their staff, this card is your credit travel companion when you do business in the Mainland China
- Apply now to enjoy HKD400 PARKnSHOP e-cash voucher and 2 years annual fee waiver
Unique FPS QR codes generated through Hang Seng Business Mobile App, enable instant payment scanning and processing for your customers.
Let you easily track transactions on Hang Seng Business e-Banking or Hang Seng Business Mobile App.
Generating QR codes to collect payments can reduce cash handling errors and keep your FPS ID private and safe.
Exclusive Offer For Hang Seng Commercial Customers:
Apply now for a waived annual and set up fee, plus a 50% discount on each transaction as low as HKD1!
Loan amount up to HKD2,000,000
No collateral or financial reports required
Choice of 2 financing options: Instalment Loan or Overdraft Facility
- Instalment Loan allows you to better plan your finances
- Repayment period of up to 60 months
- Choice of Principal Repayment Deferral1
-
Overdraft Facility2 helps you meet unexpected financial needs
- No interest charged on unused limit
- Credit limit restored automatically with each repayment
Offering a variety of financing products to choose from, tailored to your company’s diverse needs
Remarks:
- Customers may choose to pay interest only and not to make any principal repayment in the first 3 months of the repayment period. Afterwards, customers shall repay the entire principal and pay interest in the remaining repayment period.
- Customers are required to make a minimum payment of an amount equivalent to 10% of the total outstanding amount on or before the payment due date as shown in the relevant monthly statement.
To ease your business partners’ concern about non-payment or non-performance, we can issue a BG to guarantee your payment obligation in the contract between you and your creditor.
A bank guarantee serves as a payment guarantee for your business and can be utilized for a wide range of purposes, including but not limited to:
- Lease guarantee in respect of shops and offices
- Payment guarantees for the benefit of suppliers
- Credit facility guarantees for the benefit of service providers (e.g., airlines, hotels)
- Performance bond for office renovation and construction projects
- Utility deposits for water, electricity, and gas suppliers
Provide 24-hour real-time online FX service of 10 major currencies and FX Order Watch service to better control your FX portfolio right at your fingertips.
While making an online outward remittance via Hang Seng Business e-Banking, FX Prompt utilizes in-depth data analysis and recommends the right payment currency.
If you choose to accept the payment currency suggested by FX Prompt, you can also lock the real-time foreign exchange rate+.
+ Real time foreign exchange rate is only applicable to outward remittance transaction via Hang Seng Business e-Banking or Hang Seng Business Mobile App and choosing “Now” as the Transfer Date.
Remarks:
- When performing outward remittance (not including local interbank transfers (CHATS)*) with currency exchange, each of the FX Prompt transaction must not exceed the online maximum transaction USD1,000,000 equivalent via Hang Seng Business e-Banking.
-
Locking real time foreign exchange rate transactions must be authorized with same day value before the cut-off time to enjoy the service via Hang Seng Business e-Banking or Hang Seng Business Mobile App.
- Each of the transaction must not exceed the online maximum transaction amount for designated foreign currencies, please refer to the table below.
-
For details of cut-off time to real-time outward remittance (including local interbank transfers (CHATS)*) with currency exchange (choosing “Now” as the Transfer Date), please refer to Hang Seng webpage > Business > Remittance Service > Reference > Outward Remittance & CHATS Services Cut-off Timetable.
Designated Foreign Currencies Real-time Outward Remittance (including local interbank transfers (CHATS)*)
with Currency Exchange Online Maximum Transaction AmountAUD HKD16,000,000 CAD HKD16,000,000 CHF HKD16,000,000 CNY HKD16,000,000 EUR HKD16,000,000 GBP HKD16,000,000 JPY HKD16,000,000 NZD HKD16,000,000 USD HKD16,000,000 THB HKD4,000,000 ZAR HKD4,000,000 DKK HKD1,000,000 NOK HKD800,000 SEK HKD800,000 SGD HKD4,000,000
* Local Interbank Transfer (CHATS) currency: Real time payments and transfers done in HKD, USD, CNY and EUR.
- The English version of this factsheet shall prevail whenever there is any discrepancy between the English and Chinese versions.
Inward Remittance
If your remitters assign Hang Seng Bank (China)1 as the correspondent bank* or submit the remittance instruction in Hang Seng Bank (China) and forwarded to Hang Seng Bank (Hong Kong) before cut-off time, no matter CNY, USD or any other major currencies, all inward remittances will be credited to your accounts in as fast as 5 minutes and on the same day2. With funds more readily available, you can enjoy greater financial flexibility.
Outward Remittance
For commercial customers successfully making outward remittances to GBA or other cities in Mainland China via Hang Seng Business e-Banking or Hang Seng HSBCnet before 5:45pm3,4, the CNY remittance will be processed on the same day. To offer a speedy remittance service, outward to beneficiary accounts held with designated banks* to be processed in minutes and to be credited in as fast as 5 minutes1,5,6 at the earliest.
Notes:
- The service, 5-Minute-Remit-Express Service, will be offered on a best effort basis. Applicable to all Hang Seng Bank (China) Limited branches.
- Service is subject to the fulfillment of the conditions for straight-through processing, (including but not limited to the accuracy of the name of the beneficiary and the account name, supporting documents are fully submitted if required). The cut-off time for same-day credit is 16:30 (Monday to Friday, excluding public holidays in Mainland China and Hong Kong).
- The RMB remittance instructions should be provided with correct account name, account number and SWIFT BIC code (applicable to payments processed via Cross-border Interbank Payment System (“CIPS”)) of the beneficiary bank and neither currency exchange nor follow-up action from the Bank. Otherwise, instructions will be processed on the next business day.
- The cutoff time of remittance instructions is 17:45 for the amount less than or equal to RMB 3,000,000 and via Cross-border Interbank Payment System (“CIPS”). Otherwise, the cut-off time is 16:30.
- Applicable to any application for outward remittances to Hang Seng Bank (China) which is submitted via Hang Seng Business e-Banking or Hang Seng HSBCnet before 16:30 from Monday to Friday, provided that it is a business day both in Hong Kong and mainland China, and the beneficiary is a commercial customer of Hang Seng Bank (China), and the beneficiary has already submitted all the required supporting documents to the beneficiary bank for validation.
- Service is subject to the fulfillment of the conditions for straight-through processing (e.g. debit account with sufficient funds, correct/complete beneficiary information including beneficiary account number and beneficiary bank's SWIFT BIC code). It is not available for transactions which are restricted by Mainland legal and regulatory authorities and transactions which require foreign exchange or declarations. Export proceeds including prepayment for exports will be placed in a transitory account before validation with records at Customs. If the remittance proceeds are from Mainland exports, customers are recommended to specify "Mainland China Export Related Proceeds" to facilitate handling by the beneficiary bank.
The above remittance services are subject to the relevant terms and conditions.
Being secure and reliable, Hang Seng Digital Business Banking is widely trusted to manage business accounts without hassles, helping you run your business more efficiently and conveniently, complete with a host of speedy and spot-on services and offers.
Mobile Cheque Deposit
Enjoy Hong Kong’s first ‘anytime, anywhere’ Mobile Cheque Deposit service, which enables cheques to be deposited without the need to visit a physical outlet
FX Order Watch
Once your preset target exchange rate is reached, the order will be automatically executed, helping you to control the cost of foreign exchange
Set up a Time Deposit with One Click
Exclusive preferential interest rate offers for you to earn higher interest
Inward Payment Tracker and Outward Payment Tracker
Keep track of your incoming and outgoing payments in real time
Exclusive Discounts on Online Remittances
Save up to 55% on the handling fees for outward remittances and enjoy an as low as $25 handling fee for local bank transfers (CHATS)
Free e-statements
Receive monthly statements on time, free from the inconvenience of postal delays, and enjoy easy storage with the electronic format
Trade Solutions
Online application of import DCs, guarantees and trade loans, with consolidated overview of transaction status and access to trade advice
Ever Earn
Manage daily finances through Hang Seng Business e-Banking and earn generous reward
Hang Seng Business Mobile Banking
Offer biometric authentication and mobile security code features to enhance usage and transaction security
Hang Seng HSBCnet
Fully digital platform delivering consolidated cash management and financial services, facilitating the seamless, all-in-one administration of Hang Seng accounts across Hong Kong, Macau, and mainland China
Open a business account now and unlock unlimited business opportunities!
Whether your business partner* is a resident of Hong Kong or Mainland China, located in Hong Kong or Mainland China, as long as it is a company registered in Hong Kong, you can open a company account online and on mobile^, as fast as 3 days+!
Apply Now Apply Now Apply Now
Offers are subject to Terms and Conditions
Remarks:
To Borrow or not to borrow? Borrow only if you can repay!
Terms and Conditions apply to services and offers.
| * | The applicant’s connected party(ies) include Directors, Authorised Signers, Principal Shareholders, Beneficial Owners , Key Controllers and Direct Appointees. |
| ^ | To 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. |
To Borrow or not to borrow? Borrow only if you can repay!
Terms and Conditions apply to services and offers.
Foreign Currency 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.
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.
Risk Disclosure Statement of Securities Investment:
nvestors 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 Stock Connect Northbound Trading include:
- Transactions under Stock Connect Northbound Trading will not be covered by the Investor Compensation Fund in Hong Kong.
- 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 and when banks in both markets are open on the corresponding settlement days. 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 stocks 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 Renminbi is required.
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.
Risk Disclosure Statement of Investment Funds:
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
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.