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e-Banking
| 1. |
What kind of services do the Hang Seng e-Banking offer?
Currency, you can enjoy the following services:
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Account enquiry |
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Transfer (between your accounts within Hang Seng Bank (China), to pre-registered third party accounts within Hang Seng Bank (China) and to pre-registered accounts maintained with other banks in Mainland China)) |
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Remittance to pre-registered overseas bank accounts |
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Remit remaining balance from RMB TT Account back to your pre-registered HK Hang Seng RMB Account (Only available to Hong Kong or Macao residents who have valid HK Hang Seng RMB Account) |
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Time Deposit |
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Electronic monthly statement / electronic transaction notification |
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Exchange rate and interest rate enquiry |
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Customer services |
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| ·More e-Banking services will be provided later on. |
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| 2. |
Does Hang Seng e-Banking offer 24-hour services?
| Yes. Hang Seng e-Banking service is available
24 hours a day, seven days a week. However, certain banking
transaction cut-off times apply and some transaction instructions
received after standard working hours will be handled on the
next working day. For further details, please refer to the relevant
terms contained in the account transfer and time deposit documents.
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| 3. |
What requirement do I have to fulfill to register the Hang Seng Personal e-Banking services?
| Simply open a personal account in any of our branch/sub-branch and you can enjoy this service. However, joint account with signature instruction of ‘joint signature’ is not included in this service at the moment. |
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| 4. |
Are there any charges for using Hang Seng Personal e-Banking?
| No. This service is free of charge. However, there will be charges on individual transaction such as remittance to overseas bank, inter-city transfer or intra-province remittance, and apply for cheque book. |
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| 5. |
What should I do if I forgot the electronic banking password?
| You may call the Customer Service Hotline, contact our Customer Service Representatives or visit any of our branch to re-apply the electronic banking password. |
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| 6. |
What will happen if I have input incorrect information during the log-on process?
| If you input wrong information, e.g. an incorrect
EBN or PIN, the system will prompt you to re-input the information.
However, if you input an incorrect PIN three times in a row,
you will be unable to access the system and will have to call
our Customer Service Hotline or contact our
Customer Service Representatives. |
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| 7. |
How long can I enquire my transaction history?
| You may enquire about your transaction history
for the past two bank statement cycles. |
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| 8. |
Can remittance transfer to different currency account?
| Currently, e-banking is only applicable to same currency remittance instruction. If you would like to transfer the remittance to a different currency account, please visit any of our branches in person. |
| All remittance services are bounded by regulations of the State Administration of Foreign Exchange. (SAFE) |
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| 9. |
Can I transfer different currencies
or transfer to different account type?
| Currently, e-banking is only applicable to same currency type and same account type transfer. If you would like to conduct different currency type or different account type transfer, please visit any of our branches in person. |
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| 10. |
What is the transfer limit?
The maximum daily accumulated 3rd party transfer limit is RMB 1 million (or equivalent foreign currency) for personal e-Banking. This limit is only applicable to:
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Transfers to 3rd party within the Bank |
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CNY transfers to other local banks |
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Overseas remittance |
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Transfer to your RMB account opened in Hang Seng (HK) |
Transfer between your accounts within Hang Seng (China) – No limit |
| As of 31st Dec 2015, all CNY remittances to other local banks and overseas banks will be free of charge. Fees (if any) charged by agent or other intermediary are excluded.
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| 11. |
What kind of time deposit services do Hang Seng Personal e-Banking offer?
| We offer up to 1 year Time Deposit Services. |
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| 12. |
What kind of time deposit services can I enjoy via Hang Seng Personal e-Banking services?
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Set up new deposit |
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Set up or amend maturity instructions |
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Enquire time deposit rate. |
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Prestige Banking Account
| 1. |
Are there any charges in opening a Prestige Banking Account?
| This account is free of charge. Customers will need to fulfill the account opening requirement and keep a minimum account balance of RMB300,000 or above with the bank to open an account. |
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| 2. |
Will there be any account management fee if the account balance is below RMB300,000 or equivalent after opening the account?
From 1 JUL 2014, if your account balance falls below minimum total balance requirement (CNY300,000 or its equivalent), a monthly fee of CNY100 will be levied. |
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| 3. |
Are there any charges in using the prestigious service at the Prestige Banking Centers?
| No. This is
an exclusive service for all Prestige Banking customers. |
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| 4. |
If the
customer holds banking accounts at several branches/sub-branches of Hang Seng Bank (China)
and a Hong Kong branch, is it possible to have a consolidated account
balance?
| No.The total balance will only reflect
the total balance held at each individual branch/ sub-branch. |
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| 5. |
Will all the accounts of the same branch be
calculated and listed on the consolidated Monthly Statement?
| All the
accounts opened the same identification number will be calculated and listed on
the Consolidated Monthly Statement. |
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| 6. |
Can I upgrade to Prestige Banking Account if I
have maintained an account with your Bank?
| Yes. Our
Bank can consolidate all the existing bank accounts for the customer and
upgrade to Prestige Banking Account to avoid any troubles in re-opening the
accounts. Please also upgrade your debit card to Prestige Debit Card to enjoy special privileges . |
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| 7. |
Will all the multiple foreign currency accounts
be automatically set up once the Prestige Banking Account is opened?
| Prestige
Banking Account is an integrated account. Once the customer deposit the money, our Bank will act according to
customer instructions of the deposit and currency types and set up the relevant
accounts or time deposits. No
additional account opening procedures are required on the new set up account
and deposit. |
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| 8. |
What kind of account services can the customer
enjoy if they visit the Hong Kong Prestige Banking Centres?
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principle, our Bank welcomes all Prestige Banking customers to visit any of our
Prestige Banking Centres in Hong Kong. Customers can enquire the banking services in Hong Kong from the
Customer Relationship Manager, or simply enjoy a coffee break and read magazine
at the lounges. |
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| 9. |
Can customers enjoy the exclusive counter
services in the Hong Kong Prestige Banking Centres?
| Customers
may not handle his/her accounts within Hang Seng Bank (China) via the Hong Kong branch counter.
However, customers may enjoy the priority counter services in note exchange or
any other Hong Kong branches banking services upon presentation of the Prestige
Banking Account card. |
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| 10. |
What are the details of the other banking
privileges?
| Banking
Privileges may be updated in accordance with the market conditions of relevant
product/service to ensure the best interest of customers. Customers can enquire
the latest promotion offers from customer relationship managers or any branch
employee. |
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| 11. |
What kind of account services can our customers
enjoy by contacting their relationship managers?
| Customers
can check the account balance, transactions, funds transfer-in details, time
deposit maturity instructions, foreign currency exchange rates, latest banking
services information… Apart from that, customers can also complete same account
fund transfer, new deposits set up and maturity instructions amendment. |
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Account
Services
| 1. |
What are Notes Account and Exchange Account?
| Exchange Account is used for remittance or demand draft or cheques from Hong Kong, Taiwan, Macau or outside of Mainland China. |
| Notes Account is used for foreign currency notes deposit. |
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| 2. |
Does one has to be aged 18 or above to be eligible to open a foreign currency account?
| Mainland Chinese residents must aged
16 or above with valid ID to be eligible to open a foreign currency
account. |
| Foreign passport holder or HKSAR, Macau or Taiwan residents must aged 18 or above and possess an effective personal identity card to be eligible to open a foreign currency account. |
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| 3. |
Can foreign currency account issue cheques?
| Currently, we do not offer cheque services for Personal Foreign Currency Account. |
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| 4. |
How can I deposit my money into my Foreign Currency Account in your Bank?
| You may deposit your money into your Foreign Currency Account via Foreign Currency cash deposit, foreign currency cheques, foreign currency remittances, fund transfer and telegraphic transfer. |
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| 5. |
Does your Bank offer personal loans services?
| We offer personal loan service. |
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| 6. |
Does your Bank offer remittance services?
| We offer inter-city transfer and intra-province remittance services. |
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| 7. |
Does your Bank offer Foreign Currency Exchange services?
| Yes, provided that all foreign currency exchanges
shall be subject to the regulations of the State Administration
of Foreign Exchange. |
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| 8. |
Do I have to visit the branches/sub-branches of Hang Seng Bank (China) in person to open a Renminbi Account?
| Besides visiting the relevant branches/sub-branches of Hang Seng Bank (China) in person to open an account, you may hand in the relevant documents to any of the Hong Kong branches. For further details, please call the
Customer Service Hotline. |
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| 9. |
When opening
and operating my RMB saving accounts, can I use my personal chop instead
of signature?
| When issuing personal cheques, the customer
can use signature, chop or both, all of which are deemed acceptable.
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| 10. |
Information of account interest, tax and relevant fees.
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RMB Current Account |
RMB Time Deposit Account |
Foreign Currency Current Account |
Foreign Currency Time Deposit Account |
| Interest |
Based on PBOC's board rate(and the float) to offer interest rate |
Based on PBOC's FCY rate cap (if applicable) to offer interest rate for fund below (or equal) 3 million USD eqv. |
| Interest Calculation & Payment Frequency 1 |
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Interest is accrued by daily and paid on 20th every quarter
Interest=Balance*Saving rate÷360 |
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Interest is accrued by daily with time deposit rate; |
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Principal and interest are paid when time deposit matures; |
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Interest is calculated by saving rate if early break |
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Interest is accrued by daily and paid by half-yearly
Interest=Balance*Saving rate÷360 |
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| 1. |
Interest is accrued by daily with time deposit rate; |
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Principal and interest are paid when time deposit matures |
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| Interest Tax |
Tax-free for time being. |
| Fees |
Please refer to tariff published by Hang Seng Bank China |
| Joint Account |
Only sole account is provided. No joint account is accepted. |
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** PBOC is People’s Bank of China. Saving within settlement period shall apply to IR of settlement, time deposit shall apply to IR of booking date.
Account Opening Requirement
| 1. |
What does a Personal Identification include?
| Chinese resident – Identification card issued
on the Mainland. |
| Chinese passport holder (non resident) – Chinese
passport or permanent foreign residency documentation (e.g.
Green card) |
| Hong Kong SAR resident – Entry Permit for Hong
Kong and Macau Residents to Mainland or Home Entry Permit with
Hong Kong identification card. |
| Macau SAR resident - Entry Permit for Hong
Kong and Macau Residents to Mainland with Macau identification
card. |
| Taiwan resident - Entry Permit for Taiwan Compatriot
to Mainland or other valid traveling document. |
| Other resident – passport |
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| 2. |
What does an address proof include?
Existing customers (including branches/sub-branches of Hang Seng Bank (China) and Hong Kong Hang Seng Bank customers)
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If the address provided by the
customers/ permanent address is identical to the existing account record,
then no additional address proof is required. (except return mails with
special messages.)
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Prospective customers
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If the address provided by the customer
is identical to the residential address, customer must provide any one of the
bank’s approved address proof.
If the address provided by the customer
is different from the residential address, customer must provide a bank’s
approved address proof and a permanent address proof .
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