Accounts and Deposits


A range of Account and Deposit Services that enable you to easily accumulate capital and manage your finances.
Hong Kong Dollar Time Deposit
Place time deposits online to enjoy a BONUS interest rate!
Enjoy a higher interest rate by placing HKD time deposits
Minimum time deposit amount as low as HKD10,000
Time Deposit tenors from one day to five years
Overdraft facility of up to 95% of time deposit amount
Interest payable every month(1) for tenor of 18 months to five years (minimum HKD50,000)
Open an Account Place Time Deposit Calculate Interest
(1)

Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day.

Foreign Currency Time Deposit
A choice of 11 foreign currencies: Australian Dollar, Canadiun Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Renminbi, Swiss Franc, South African Rand, Thai Baht and US Dollar
Minimum deposit amount as low as 1,000 units in foreign currency (except Japanese Yen and Thai Baht (100,000 units each), Renminbi and South African Rand (10,000 units each)
Deposit tenors from one week to five years(1)
Interest payable every month(2) for tenor of 18 months to 36 months (minimum 10,000 units in Australian Dollar, Canadian Dollar, Euro, New Zealand Dollar and Pound Sterling) or tenor of 18 months to five years for US Dollar (minimum USD10,000)
Place Time Deposit Exchange Foreign Currency Calculate Interest
(1)

Four and five-year tenor is applicable to US Dollar time deposit only.

(2)

Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day, the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day.

Hong Kong Dollar Savings / Current Account
A choice of HKD Statement or ATM Statement Savings Account
No minimum balance requirement and no monthly fee(1) for ATM Statement Savings Account
Monthly interest applied for Statement Savings Account
One free Hang Seng Card to access your account 24 hours a day at over 1,000 ATMs in Hong Kong
You can convert existing Statement Savings Account into ATM Statement Savings Account without changing account number
Renminbi and US Dollar Current Accounts are also available

(1)

 A service fee of HKD20 will be charged for each transfer/cash withdrawal transaction made at a branch counter.



Foreign Currency Deposit
Enjoy a higher interest rate and potential gain from exchange rate movements
Access with Integrated Account or Multi-Currency Savings Account
A choice of 11 foreign currencies: Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Renminbi, Swiss Franc, South African Rand, Thai Baht and US Dollar
Access via e-Banking or Phone Banking as well as branch counters


Remarks: Fluctuations in the exchange rates of foreign currencies may result in gains or losses in the case where the customer converts foreign currency to HK Dollars.



M.I. Kid AssetBuilder Account
Hang Seng Bank's M.I. Kid AssetBuilder Account is designed especially to help you plan for your children's financial future. In one integrated account, you will enjoy investment, deposit and even insurance to meet individual needs.
 

Open an M.I. Kid AssetBuilder Account now! The minimum opening balance is just HKD5,000 or its equivalent. Monthly fee will be based upon the daily average balance of your Total Relationship Balance(1) with the Bank

Total Relationship Balance
Monthly Fee
HKD5,000 or above
Waived
Below HKD5,000
HKD50

M.I. Kid Investment Plan(2)

M.I. Kid Financial Service
Open an M.I. Kid AssetBuilder Account to handle daily finances via different channels to experience banking at many angles. Hang Seng Personal e-Banking, Automated Phone Banking Services, M.I. Kid AssetBuilder Card and Currency Switching Service(3).

M.I. Kid Protection

We provide comprehensive insurance protection for children through an extensive range of plans, all aimed at helping your child enjoy a healthy and secure life.


M.I. Kid Collectable Card

Your child will receive an M.I. Kid Annual Collectable Card on his or her birthday! Simply present your M.I. Kid Asset Builder Card at any of our branches in the birthday month of your child to receive the card for the year.


(1)
The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.
(2)
Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.
(3)
For details of the Currency Switching Service and relevant terms and conditions, please refer to the Currency Switching Service leaflet and Integrated Account Terms and Conditions which is also applicable to M.I. Kid AssetBuilder Account.

Notes:
Hang Seng Bank Limited is an insurance agent appointed by QBE General Insurance (Hong Kong) Limited and Hang Seng Insurance Company Limited, which are authorized and regulated by the Commissioner of Insurance of the HKSAR.
Investment involves risks and prices of fund units and securities may go up as well as down. Investors should refer to the offering documents of the relevant investment and the relevant Risk Disclosure Statements, and satisfy themselves that the relevant funds or securities are suitable for them in terms of their own circumstances and financial position before making any decision to invest. In addition, investors should avoid excessive investment in any single type of investment (in terms of its proportion of their overall portfolio) including any proposed investment in the relevant funds or securities so as to avoid having their investment portfolio being over-exposed to any particular investment risk. If required, investors should obtain independent legal, financial and other professional advice before making any investment decision. Investors should note that all investments involve risks and past performance may not be indicative of future performance.
Hang Seng Bank Limited (the "Bank") reserves the right to suspend, vary or discontinue any promotional offers and services at anytime without further notice. The Bank also reserves the right to revise any interest rates, fees and charges from time to time subject to the Bank's notice for any such variation. In case of dispute, the decision of the Bank shall be final.



Reference Rates

Interest Rates

Foreign Currency T/T Exchange Rates
Bank Buy Bank Sell
AUD
6.0700
6.1140
CAD
6.3840
6.4240
EUR
8.4210
8.4750
GBP
11.7650
11.8430
NZD
5.9050
5.9480
(As at 27-04-2015 23:26)

Preferential Interest Rates and Exchange Rates are available for different accounts, currencies, transaction amounts and tenors!

Contact Us
Call our 24-hour hotline
2822 0228
Visit Our Branches


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