Preferred Banking helps you kick start your wealth management journey effortlessly in one hub, without balance fee. Hang Seng Mobile App also allows you to open a bank account at ease. Start saving and investing, and enjoy many exclusive offers. Simple and easy. That’s Preferred Banking.
Total reward of over $5,000
Welcome Offer
Up to 6%
HKD savings rate
Up to 0.8750%
Base Interest Rate
MoneySmart Exclusive

【Get Rewarded from Day 1 - No Deposit Required!】From now until 30 June, new customer open Preferred Banking via MoneySmart, with the promo code "HS006", can enjoy additional HKD200 Apple Store Gift Card/ PARKnSHOP Supermarket voucher!

Enjoy up to 6% p.a. HKD Savings rate by switching to Hang Seng PayDay⁺ and enjoy the welcome offer at a total reward of over $5,000!

Valid until 30 Jun 2024 - See more details below

Are you eligible?

    • Only applicable to new customers who do not hold any or do not close any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at Hang Seng Bank (including Prestige Banking, Preferred Banking and any other Integrated Account) in the previous 12 months prior to the account opening month

    • Customers must complete and submit the redemption form after logging in to MoneySmart on or before 31 July, 2024 

What you need to know

  1. Complete the following 2 missions to earn HKTVmall e-Gift voucher at ease!
    ・Successfully open Preferred Banking account via Hang Seng Mobile App with promo code "HS006" and update marketing preference to enjoy HKD100 HKTVmall e-Gift voucher
    New Preferred Banking customer who have successfully made 1 online bill payment transaction each month via Hang Seng Personal e-Banking during the first 2 consecutive months from the month of account opening (total 2
    transactions) can enjoy HKD100 HKTVmall e-Gift Voucher

  2. Top-up Your Income!
    From now till 30 June 2024, registering PayDay⁺ via Hang Seng Mobile App and successfully switching to Hang Seng as your payroll account can enjoy up to 6% p.a. HKD Savings rate!

  3. Enjoy your vacation to the fullest?
    1. From now till 31 May 2024, enjoy Bank's Cost Price^ upon completing JPY or EUR exchange! Withdraw
    cash from Hang Seng foreign currency ATMs# before setting off for a smooth journey!

    ^"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. The promotion period is till 31 May 2024. For exchange via Hang Seng Mobile App or Hang Seng Personal e-Banking with designated transaction amount. Foreign Exchange involves Exchange Rate Risk. Terms and conditions apply. Visit for more details. 
    #Visit Hang Seng Bank Website for more FX ATM service, service sites and service time details.

    2. Enjoy seamless cross-border spending on your Thailand trip with FPS* by using Hang Seng Mobile App to scan the PromptPay merchant QR code!

    *Foreign Exchange involves Exchange Rate Risk. Faster Payment System (FPS) is a real-time payment platform operated by Hong Kong Interbank Clearing Limited. Terms and conditions related to the Faster Payment System (FPS) apply.

    When customers pay PromptPay merchants in Thailand via FPS, the relevant spending amount will be converted into Hong Kong Dollars automatically based on the exchange rate on the relevant transaction day and deducted from HKD Savings Account with Hang Seng Bank.

    Unless otherwise specified, the promotion period of Hang Seng PayDay⁺ and Preferred Banking Promotion is from 15 April 2024 to 30 June 2024. Terms and Conditions apply. For the details, please contact our branch staff or visit To borrow or not to borrow? Borrow only if you can repay! 

    This promotion is intended for individuals in Hong Kong.

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