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MoneySmart Exclusive
Hang Seng Preferred Banking
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.
MoneySmart Exclusive
【MoneySmart Limited-time Offer】
From now until 30 Jun 2026, new customers* who open a Preferred Banking account via the Hang Seng Mobile App using the exclusive MoneySmart promo code “HS011” and complete the simple tasks below can enjoy HK$400 rewards! Welcome rewards are up to $9,300!
✅️ Open a Preferred Banking account via the Hang Seng Mobile App and enter the exclusive promo code “HS011 : HK$200 Apple Gift Card (Rewards will be distributed directly by Hang Seng Bank)
✅️ Initial fund-in HK$1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain for 10 consecutive days: HK$200 Cash Reward
(Reward distributed directly by Hang Seng Bank)
From now until 30 Jun 2026, new customers* who open a Preferred Banking account via the Hang Seng Mobile App using the exclusive MoneySmart promo code “HS011” and complete the simple tasks below can enjoy HK$400 rewards! Welcome rewards are up to $9,300!
✅️ Open a Preferred Banking account via the Hang Seng Mobile App and enter the exclusive promo code “HS011 : HK$200 Apple Gift Card (Rewards will be distributed directly by Hang Seng Bank)
✅️ Initial fund-in HK$1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain for 10 consecutive days: HK$200 Cash Reward
(Reward distributed directly by Hang Seng Bank)
Valid till 30 Jun 2026
Are you eligible?
- *New customers refers to eligible customers, excluding existing customers who are holding sole-named or joint-named Prestige Banking or Preferred Banking; or existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account); or customers who have ever held any sole-named or joint-named Prestige Banking or Preferred Banking and any of the above accounts with the Bank in the previous 12 months prior to the account opening month; or customers whose accounts mentioned above have been terminated in any period.
- Each eligible new customer can only enjoy the offers under the Promotion once.
What you need to know
- During 4 May 2026 to 30 June 2026, new customers* who open a Preferred Banking account via the Hang Seng Mobile App using the exclusive Money Smart promo code “HS011” and complete the simple tasks below can enjoy HK$400 rewards! Welcome rewards are up to $9,300!
・Reward 1: New customers* who open a Preferred Banking account via the Hang Seng Mobile App and enter the exclusive promo code “HS011” can get HK$200 Apple Gift Card (reward distributed directly by Hang Seng Bank).
・Reward 2: New customers* who successfully open Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HK$1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain the designated amount for 10 consecutive days are entitled HK$200 cash reward (reward distributed directly by Hang Seng Bank). - Payroll Offer：Switch to PayDay+ for payroll service can earn up to HK$2,000 cash reward**
・Preferred Banking customers who register for the offer through the Hang Seng Mobile App from now until 30 June 2026, and switch to PayDay+ for payroll service on or before 31 July 2026 can earn a cash reward of up to HK$2,000.
・Registration steps: Download and 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
**For new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Terms and conditions apply, please visit hangseng.com/payrolloffer for details. - Other Welcome Rewards・Meet the designated “Total Relationship Balance” Growth Amount to enjoy a cash rebate of up to HK$3,500
・Up to $800 +FUN Dollars upon designated credit card application and fulfillment of designated spending requirement
・Newly opened securities accounts will receive 8 units of Tracker Fund (stock code: 2800.HK) (approximate value HK$200)
・Earn up to $2,000 +FUN Dollars upon successful online application for a qualifying deferred annuity plan
・Successfully apply for the Travelsure Protection Plan (Annual Global Cover) using a promo code “HASE23” to enjoy a premium discount of up to 30% off and an e-Gift voucher of up to HK$400
Account Details
- During 4 May to 30 June 2026, new customers* who open a Preferred Banking account via the Hang Seng Mobile App using the exclusive MoneySmart promo code “HS011” and complete the simple tasks below can enjoy HK$400 rewards! Along with other welcome rewards are up to HK$9,300!
- Reward 1: New customers* who open a Preferred Banking account via the Hang Seng Mobile App and enter the exclusive promo code “HS011” can get HKD200 Apple Gift Card (reward distributed directly by Hang Seng Bank).
- Reward 2: New customers* who successfully open Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HKD1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain the designated amount for 10 consecutive days are entitled HKD200 cash reward (reward distributed directly by Hang Seng Bank).
- Terms and conditions apply. Each new customer (including those who only hold a Hang Seng credit card) is eligible for this offer once during the promotion period.
- *New customers refers to eligible customers, excluding existing customers who are holding sole-named or joint-named Prestige Banking or Preferred Banking; or existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account); or customers who have ever held any sole-named or joint-named Prestige Banking or Preferred Banking and any of the above accounts with the Bank in the previous 12 months prior to the account opening month; or customers whose accounts mentioned above have been terminated in any period.
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Hang Seng Preferred Banking Key Features
Hang Seng Preferred Banking does not charge balance fees and it offers a variety of financial products and offers. It also offers welcome offers worth up to HK$9,300 right now. Apply while it lasts!
Master everything in 1 app
From FPS fund transfers, bill payment to cardless ATM access, currencies exchange* and push notifications, Hang Seng Mobile App has got you covered.
*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.
*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.
Start investing with ease
Trade stocks with HK$0 brokerage, low-barrier fund investing at a minimum of HK$1 with SimplyFund.
Cardless ATM access
Get cash from an ATM via the Hang Seng Mobile App using NFC or QR code.
Fabulous privileges
Enjoy a full suite of exclusive offers and privileged pricing.
Payroll Service
Switch to PayDay+ payroll service to manage your wealth with ease and enjoy special privileges.
Hang Seng Bank Preferred Banking Minimum Deposit
The minimum deposit of Hang Seng Preferred Banking is HK$0.
Hang Seng Bank Preferred Banking Welcome Offers
HK$200 Apple Gift Card
New customers* who open a Preferred Banking account via the Hang Seng
Mobile App and enter the exclusive promo code “HS011” can get HKD200
Apple Gift Card (reward distributed directly by Hang Seng Bank).
*New customers refers to eligible customers, excluding existing customers who are holding sole-named or joint-named Prestige Banking or Preferred Banking; or existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account); or customers who have ever held any sole-named or joint-named Prestige Banking or Preferred Banking and any of the above accounts with the Bank in the previous 12 months prior to the account opening month; or customers whose accounts mentioned above have been terminated in any period.
*New customers refers to eligible customers, excluding existing customers who are holding sole-named or joint-named Prestige Banking or Preferred Banking; or existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account); or customers who have ever held any sole-named or joint-named Prestige Banking or Preferred Banking and any of the above accounts with the Bank in the previous 12 months prior to the account opening month; or customers whose accounts mentioned above have been terminated in any period.
HK$200 cash reward
New customers* who successfully open Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HK$1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain the designated amount for 10 calendar dates are entitled HK$200 cash reward (reward distributed directly by Hang Seng Bank).
PayDay+ HK$2,000 welcome cash reward**
From now until 30 June 2026, Preferred Banking customers who register for this offer via the Hang Seng Mobile App, and switch to Hang Seng for payroll service by 31 July 2026 can enjoy HKD2,000 cash reward. No minimum salary requirement or extra tasks!
** For new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Phase 2 of the offer will commence in the calendar month immediately following the completion of Phase 1 (e.g. if Phase 1 runs from April to June, Phase 2 will commence in July). Terms and conditions apply, please visit hangseng.com/usage15 for details.
** For new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Phase 2 of the offer will commence in the calendar month immediately following the completion of Phase 1 (e.g. if Phase 1 runs from April to June, Phase 2 will commence in July). Terms and conditions apply, please visit hangseng.com/usage15 for details.
How to Open a Hang Seng Preferred Banking Account?
Hong Kong tax residents aged 18 or above with a Hong Kong Identity Card can open a Hang Seng Bank account through their mobile phones. Alternatively, applicants can make an appointment online and visit a Hang Seng branch to open an account. Customers need to bring along required documents including proof of residential address and original identification to the appointment.
Hang Seng Bank Preferred Banking Fees
Hang Seng Preferred Banking customers can enjoy HK$0 balance fee.
Hang Seng Bank Preferred Banking FAQ
What is the key benefit of Hang Seng Bank Preferred Banking?
- It allows you to access ATM without your bank card. You can also enjoy a full suite of exclusive offers and privileged pricing.