8/14/2019 BSC Banking Service Magazine.pdf
1/33
PPL489-R22
(10/2010)(LT)v.2
Banking Services
Fees and Charges
A. Deposit Services
B. Remittances and Foreign Exchange Services
C. Securities and Investment Funds Services
D. Credit Card Services (including Spending
Card)
E. Lending Services
F. Integrated Account Services and Privileges
(Effective 1 October 2010)
The information in this guide is for customers reference with regard to the charges for various services offered by Hang Seng Bank Limited (the Bank). The Bankreserves the right to revise any fees, charges, special offers and other services from time to time. The Bank reserves the right to levy a charge on transactions conducted.For charges not listed in this guide, please contact our branches for details.
PPL489-R22
(10/2010)(LT)v.2
8/14/2019 BSC Banking Service Magazine.pdf
2/33
PPL489-R22
(10/2010)(LT)v.2
A. Deposit Services
- 1 -
Low Balance Inactive Hong Kong Dollar Savings/Current
Account
- inactive for two years and balance below
HK$2,000
Inactive Account Service Charges (2 )
Service ChargeFor over 2 years
HK$100 semi-annually
Low Balance Foreign Currency Savings and ForeignCurrency Deposit/Current Account
- inactive for two years and balance below
For over 2 years(3)
Payable semi-annually
U.S. Dollar 300Pound Sterling 200Euro 200Canadian Dollar 400Swiss Franc 400Australian Dollar 400New Zealand Dollar 400South African Rand 1,500Thai Baht 10,000Japanese Yen 50,000
USD 12GBP 20EUR 20CAD 15CHF 15AUD 15NZD 20ZAR 60THB 1,000JPY 2,000
Service charges shall not be applicable if deposit in anyone of these currencies is above the stipulated depositlevel of the respective currency under the Multi-foreign
Currency Passbook Savings Account.
Low Balance Inactive RMB Savings/Current Account
- inactive for two years and balance below RMB 2,000 RMB 50 semi-annually
For over 2 years
Service
Cheque Book(s)
delivery by Courier Service(1)
Cheque Mark Good
- sent by customer
- sent by Bank
Unauthorised Overdraft
Cheque Returned
- due to insufficient funds
- due to other reasons
- due to cheque amount exceeding RMB80,000**
Current Accounts
Charge
HK$150 per cheque (RMB 200**)
HK$50 per cheque (RMB 50**)
RMB 200 per cheque**HK$120 per item plus interest* on overdrawn balance
Stop Cheque Payment Instruction HK$100 per cheque
HK$60 per cheque
HK$200 per cheque
* Interest is calculated daily and charged monthly at the Banks prevailing interest rate.**Only applicable to RMB Current Account
RMB Cheque Handling Fee
- autosweeping to cover insufficient funds
- switching of deposit by customer to cover insufficient
funds
1% of the total amount of transfer (min RMB: 200)
1% of the deposit to cover the insufficient funds of
current account (min RMB: 200)
HK$25 per item
(1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(2) Excludes Integrated Account and FlexiForex/ProForex Trading Account.(3) Applicable to all Foreign Currency Account.
Improperly conducted account closed by the Bank
Account Closure
HK$150 annually
Within three months of the date of its opening Savings Account HK$50 per account
Current/Integrated Account HK$200 per account
This page has been revised since 2 January 2010
8/14/2019 BSC Banking Service Magazine.pdf
3/33
PPL489-R22
(10/2010)(LT)v.2
A. Deposit Services (contd)
- 2 -
Below HK$1,000
This page has been revised since 2 October 2009
Account Balance (HK$)HK$150,000 and above
HK Dollar Savings Deposit Rates
Deposit Rate
0.01%
HK$10,000 to HK$149,999
HK$5,000 to HK$9,999
0.01%
0.01%
0%
HK$1,000 to HK$4,999 0%
Account Balance (US$)US$1,000 and above
US Dollar Savings Deposit Rates
Deposit Rate
0.001%
Below US$1,000 0%
GBP
CAD
AUD
ZAR
JPY
Foreign Currency Savings Account with balance below
USD
EUR
CHF
NZD
THB
1,000
200
500
500
10,000
200
500
500
2,000
30,000
Account BalanceLow Balance Foreign Currency Savings Deposit Rates
Deposit Rate
0%
Account Balance (RMB)RMB 5,000 and above
RMB Dollar Savings Deposit Rates
Deposit Rate
0.45%
Below RMB 5,000 0%
8/14/2019 BSC Banking Service Magazine.pdf
4/33
PPL489-R22
(10/2010)(LT)v.2
HKD Interbank Transfer Services
- outward
e-Transfer (via Electronic Clearing System - ECG)
via Personal e-Banking / Business e-Banking:
Express Transfer (via Clearing House Automated Transfer
System - CHATS) via Personal e-Banking / Business
e-Banking / Hang Seng HSBCnet #:
Via other channels:
- inward(6)
#Channels subscribed by customers
A. Deposit Services (contd)
- 3 -
Service
Others
ChargeReplacement of Hang Seng Card /
Integrated Account Card of Prestige Banking /Integrated Account Card of Preferred Banking /
Integrated Account Card / M.I. Kid AssetBuilder Card /
Green Banking Smart Card
HK$50 per card
M.I. Kid Medical Card
- replacement
- not returning card upon account closureHK$50 per card
HK$100 per card
Report Loss of Passbook / Chop(1) HK$100 per account
Gift Cheque(2)(3) HK$15 per cheque
Cashiers Order
- issuance(4)
- report loss
- re-purchased
Account Holder HK$60 per cheque
Non-Account Holder HK$100 per cheque
HK$60 per cheque
(Plus: HK$300 payable to Clearing House of HKAB)Handling charge HK$60 per cheque
HK$30 per item
HK$50 per item
HK$170 per item(5)
HK$15 per item(5)
This page has been revised since 2 January 2010
(1)Fee waiver is for customers with Senior Citizen Cards.(2)Fee waiver is for the Prestige Banking Customers and customers with Senior Citizen Cards.(3)Preferred Banking and Green Banking Customers can enjoy a privileged service charge of HK$7.5.(4)Prestige Banking Customers can enjoy a privileged service charge of HK$30, and fee waiver is for customers with Senior Citizen Cards. No privilege or fee waiver will
be given to the issuance of Cashiers Order for the purpose of IPO subscription.(5) or its equivalent in the relevant currency. The exchange rate is determined by Hang Seng Bank Limited from time to time.(6)Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.
Company Search Fee
- local company
- overseas company
Reference Letter HK$300 per letter
(HK$20 for each additional letter if several lettersare issued at one time)
Certificate of Account Balance HK$100 per certificate
(HK$100 for each additional account)
Bankers Endorsement on Customers Signature
Cheque send to Guangdong and / or Shenzhen for
cheque clearing
Currency of Cheque
HK$
US$
GD SZ
HK$50 HK$50
N.A. HK$100
HK$100 per account
Min.: HK$2,000 per account
(According to the Banks actual expenses)
HK$150 per item
8/14/2019 BSC Banking Service Magazine.pdf
5/33
PPL489-R22
(10/2010)(LT)v.2
A. Deposit Services (contd)
- 4 -This page has been revised since 2 January 2010
(1) Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet.
(2) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. If there are no transactions recorded underthis direct debit authorisation for more than two years, the Bank may cancel this direct debit authorisation without giving any notice.
(3) Fee waiver is for the Integrated Account of Preferred Banking and Green Banking and is not applicable to other account(s) under the name of the same customer.(4) Fee waiver is for customers with Senior Citizen Cards.(5) Waived if all cheques are deposited into the same account as one single transaction.(6) If the account is maintained as an ATM Savings Account as at the 1st calendar day of the month, all related transactions within that whole month will be subject to the ATM Savings
Account Counter Service Fee regardless of whether the account type is changed within the month, and the fee will be debited from the account on the 8th business day of the followingmonth.
(7) Exemptions apply to senior citizens (aged 65 or above), customers aged below 21, recipients of government disability allowance and customers with any of the following products/services:Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions (IBS) Account, overdraft facilities, loans, mortgages, investment funds,securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction.
(8) This standard concessionary charge only applies to the first time and normal data access request. In other cases, the Bank reserves the right to charge the actual commercial cost incurredwithout applying a cap to the charge. However, in any case, the Bank will inform the data requestor individually the actual handling charge and will only process the request upon receivingthe requestors acceptance.
(9) The total number of counter transactions includes all HKD account transactions made under the same customer name. Customers may also need to pay the relevant fee when conductingcertain banking transactions, e.g. the counter transaction fee for ATM Savings Accounts, etc. The above mentioned service charge is applicable to Personal Customers only and the Bankreserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually of their monthly quota of freecounter transactions by mail.
Service
Others
Account History Record of Savings or Time
Deposit Accounts
- for 1/2/3 year(s)
- for more than 3 years
HK$250/HK$750/HK$1,000 per account
HK$1,000 per year thereafter
Photocopying of:- statement (per cycle)
- cheque/voucher/transaction adv (per copy)
HK$50 per cycle or per copy
Issuance of Overdraft Interest Statement (per cycle) HK$300 per copy
Coin Changing Charges(1) HK$2 per sachet
Night Safe HK$700 per year
Standing Instruction:
- set up(2)(3)(4)/ amendment(2)(4)
- returned due to insufficient funds
HK$70 per item - transfer to Hang Seng Bank
HK$100 per item - transfer to other banks
HK$150 per item
Set Up Direct Debit Authorisation (excluding Credit Card
Accounts)(2)Transfer to Hang Seng Bank Nil
Transfer to other banks HK$30 per item
(Transfers to HKSAR Government, Public Utilities,Educational and Charitable Institutions are exempted)
Auto Pay Returned Due to Insufficient Funds HK$150 per item
Special Mailing Instruction HK$1,000 per account per year
Bulk Cheque Deposit per customer per day
- Up to 30 pieces
- Over 30 pieces
Free
HK$1 per additional cheque(5)
Bulk Cash Deposit per customer per day (Applicable to all
currencies)
- Up to 500 pieces of notes
- Over 500 pieces of notes
Free
0.25% on deposit amount (min. HK$50)
Charge
Handling Letter of Instruction for Fund Transfer HK$150 per transfer
ATM Savings Account Counter Service Fee
- transfer / cash withdrawal(6)
Bulk Coins Deposit per customer per day
- Below 500 coins
- 500 coins or above
Free
2% on deposit amount (min. HK$50)Transaction Charges
HKD Passbook/ Statement Savings Account below balance
service fee(7)
- average daily balance below HK$5,000
Personal data access request Circumstantial
( maximum HK$500 per request)(8)
HK$20 per transaction
The Bank reserves the right to levy a charge on
transactions conducted
HK$50 per month
HKD account transactions conducted through branches per
customer per calendar month(9)50 transactions or below Free
Above 50 transactions HK$30 per transaction
8/14/2019 BSC Banking Service Magazine.pdf
6/33
PPL489-R22
(10/2010)(LT)v.2
A. Deposit Services (contd)
(1)You can only transfer money between accounts on the same card at ATMs in Macau.Note: Cash withdrawals made overseas will be paid in local currencies and the daily withdrawal limit is HK$20,000 equivalent. Due to the different dispensing limits of ATMs
at different locations, you may have to perform more than one transaction in order to obtain the amount of cash you require. The amount withdrawn from HSBC, Plus System and CUP ATMs will be converted to Hong Kong Dollar at the prevailing exchange rate of the transaction date and
debited from your account together with the handling fee of HK$20 / HK$30 (HSBC), HK$30 (Plus System), and HK$15 (CUP) respectively. Most Plus System and CUP ATMs enable you to make balance equiries and withdraw cash from your accounts linked to your card. All charges are subject to change from time to time.
- 5 -
Others
HSBC ATM Network
International ATM
Signages
Location Handling
Fee for
Each Cash
Withdrawal
Banking Services
- Asian Countries
(Brunei, China [excluding Hong
Kong Special Administrative Region],
Macau, Malaysia, Philippines,
Thailand, Singapore, Indonesia, Sri
Lanka, etc.) and Middle East
- Canada
- United States
(New York)
- United Kingdom
(London, Wales, etc.)
HK$20 Cash withdrawal,
balance enquiry,
funds transfer(1)and
statement / cheque
book request
Cash withdrawal
Cash withdrawal and
balance enquiry
Cash withdrawal and
balance enquiry
- Worldwide
(Australia, Canada, China [including
Hong Kong and the Mainland
China], Japan, Mexico, Singapore,
Taiwan, UK, US, etc.)
HK$30 Cash withdrawal and
balance enquiry
CUP ATM Network
- Worldwide
the China Region (includes Hong
Kong, Macau and Mainland China),
Japan, Singapore, Korea, Thailand,
Vietnam, the Philippines, United
States, Germany, Spain,
Luxembourg, Belgium, France,
Turkey, Switzerland, Australia, Italy
and Russia etc.
- Mexico, Argentina, Brazil, Panama,
France, Malta, Greece, Turkey
HK$15 Cash withdrawal and
balance enquiry in
most countries /
regions
HK$30 Cash withdrawal and
balance enquiry
Plus System
ATM Network
8/14/2019 BSC Banking Service Magazine.pdf
7/33
PPL489-R22
(10/2010)(LT)v.2
Handling charge HK$100Handling charge HK$300Plus:Postage or cable chargeHandling charge HK$100Handling charge HK$100
An additionalcommission of 0.25%on HKD demand draftissuance (maximum:HK$1,000;minimum: HK$120)
B. Remittances and Foreign Exchange Services
(1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(2) Handling fee waiver is for the Integrated Account of Prestige Banking and only the cable charge of HK$200 will be charged. Handling fee waiver is not applicable to
other account(s) under the name of the same customer.(3) Prestige Banking Customers can enjoy a privileged service charge of HK$50.
Outward Remittances
Service Charge Remarks
An additional HK$100shall be charged ifpayment details are inChinese(Exempted for HKDremittance to Macau)
Via Personal e-Banking / Business e-Banking /Hang Seng HSBCnet#:
- Remit to a beneficiary account with Hang Seng
in Mainland China / Macau(1) HK$80
- Remit to a beneficiary account with anotherbank in Hong Kong / Mainland China / Taiwan /Macau HK$100
- Remit to a beneficiary account in othercountries HK$100
(any currency)
Via other channels:
- Remit to a beneficiary account with Hang
Seng in Mainland China / Macau(any currency) HK$170
- Remit to a beneficiary account with anotherbank in Hong Kong / Mainland China /Taiwan / Macau (any currency) HK$200
- Remit to a beneficiary account in othercountriesHKD and domicile currency HK$200
Non-Domicile currency(2) HK$260
Plus:Foreign bank charges
Handling charge HK$200Plus: (if any)Cable charge HK$100Foreign bank charges
Cable charge HK$100Plus: Foreign bank charges(Min: HK$200 per transaction)
#Channels subscribed by customers
Telegraphic Transfer
- issuance
Demand Draft- issuance (3)
- stop-payment
- re-purchased- amendment
- 1 -
- amendment / cancellation
- cable enquiry
Inward RemittancesService Charge
Credit to account with Hang Seng Bank (1) Handling charge HK$60
Onward transfer to other local banks Handling charge HK$200
This page has been revised since 2 October 2009
8/14/2019 BSC Banking Service Magazine.pdf
8/33
PPL489-R22
(10/2010)(LT)v.2
B. Remittances and Foreign Exchange Services (contd)
- 2 -
Travellers Cheques
Charge
Commission 1%
USD 0.25%
Other currencies 0.375%(Min.:HK$60 per transaction)
Remarks
Min.: HK$100
With Exemption on
HSBC Group MemberTravellers Cheques
Foreign Currency Notes/Cheques Exchange
Service Charge Remarks
Account Holder
RMB Free
Other Currencies
>HK$3,000 equivalent Free
HK$3,000 equivalent HK$50 Per Transaction
Non-Account HolderAll currencies at any amount HK$50 Per Transaction
USD 0.25%
Other currencies 0.375%
(Min.: HK$60 per transaction)
Waived
0.25% of deposit amount
(Min.: HK$60 per transaction)
Handling charge
per cheque HK$150
Plus:
Foreign bank charges and Interest
Handling charge
per cheque HK$200
Plus:
Postage for registered airmail
Foreign bank charges
USD $50/$100 Notes 0.25% of deposit amount
USD $10/$20 Notes 0.375% of deposit amount
Other currencies 0.375% of deposit amount
Other currencies 0.25% of withdrawal amount
Handling fee waived for RMB notes deposit / withdrawal
Service
Sales (1)
- Encashment
- Deposit into HKD/FCY T/T/USD notes account
Foreign Currency Notes
Purchase/Sale
Overseas Foreign Currency
Cheques
- encashment
- deposit into HKD/FCY T/T/
USD notes account
Local USD Clearing Cheques
- deposit into HKD /USD T/T
account
- deposit into USD notes
account
Foreign Cheques
- returned unpaid
Foreign Cheques
- collection
Foreign Currency Notes
- deposit into T/T account (3)
- withdraw from T/T
account (3)
Waived for Prestige(1)/
Preferred(2)/ Green(2)
Banking Customers
Interest shall be calculated at
the prevailing bills advance
rate of the related currency
from the date of purchase
Charges shall be
collected irrespective of
non-valid payment of
the cheques
This page has been revised since 2 January 2010
(1) Fee waiver is for the Prestige Banking Customers.(2) Fee waiver is for the Preferred Banking and Green Banking Customers.(3) Prestige Banking Customers (per Prestige Banking account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are
entitled to the handling fee waiver - Up to USD: 5,000 / JPY: 150,000 / Thai Baht: 10,000 / Other currencies: 1,000 units in foreign currency; other customers(per account) who withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 1,000 /JPY: 75,000 / Other currencies: 500 units in foreign currency.
8/14/2019 BSC Banking Service Magazine.pdf
9/33
PPL489-R22
(10/2010)(LT)v.2
Local Securities (1)
C. Securities and Investment FundsServices
---
N.A. N.A.
0.2% of transaction amount HK$100 ---
0.003% of transaction amount --- ---
0.005% of transaction amount --- ---
HK$1 for every HK$1,000 of transaction
amount or part thereof
--- ---
HK$5/lot
Prestige Banking: HK$2.5/lot
waived if securities are sold before
settlement
HK$30 HK$188
Application of Newly-listed Securities/NotesHK$100 per application --- ---
HK$50 per application --- --- N.A. N.A.
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.(3) Prestige Banking Customers can enjoy preferential custody fee and deposit charge for purchase orders and 1,000 free real-time quotes.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang Seng BankLimited reserves the right to revise any charges, special offers and other services from time to time.
Exchange Listed
Notes and Bonds
Transaction Levy(collected by SFC)
Trading Fee
(collected by HKEx)
Stamp Duty
(collected by
HKSAR
Government)
Deposit Charge for
Purchase Orders (3)
Subscribe under
Hang Seng
Nominee
Subscribe in
client's own name
with endorsement
of the Bank
Securities Listed on HKEx
- 1 -
Bond
Trade - Related Services
0.25% of transaction amount HK$100Brokerage Fee
(Applicable to all
Securities trading
channels)
CD/Other
Structured
Product (2)Service Handling Charge Min Max
RMB
Bond Others
This page has been revised since 1 October 2010
8/14/2019 BSC Banking Service Magazine.pdf
10/33
PPL489-R22
(10/2010)(LT)v.2
Non - Central Clearing and Settlement System (Non - CCASS) Transfer
a) 0.125% of transfer value (both parties
are required to pay)
b) Stamp Duty (collected by HKSAR
Government): HK$1 for every HK$1,000
of transaction amount or part thereof
(both parties are required to pay)
c) Withdrawal Fee: HK$3.5/lot
d) Transfer deed stamp duty
(collected by HKSAR Government):
HK$5 for each transfer deed
e) Physical Scrip Deposit Fee:
HK$30/securities/ transaction
C. Securities and Investment FundsServices (contd)
Scrip Handling & Settlement-Related Services
Physical scrip deposit
N.A.
- Deposit Fee HK$30/securities/ transaction --- ---
- Transfer deed
stamp duty
(collected by
HKSAR
Government)
HK$5 for each transfer deed --- ---
- Withdrawal Fee HK$30 ---
- Withdrawal Fee HK$3.5/lot HK$30 ---
Transfer of
Entitlement
(from one
customer to
another)
HK$100
---
HK$30
---
---
---
---
---
---
---
N.A.
Account Maintenance
Custody Fee (3)
(custody fee will only
be charged once
even though the
securities account
hold both securities
and bonds during
that month)
HK$20/month
Prestige Banking:
HK$15/month
no custody fee will be applied to account
with no holdings and transactions during
that month
--- --- HK$20/month
Prestige Banking:
HK$15/month
Free
Local Securities (1)
CD/Other
Structured
Product(2)Service Handling Charge Min Max
BondSecurities Listed on HKEx
- 2 -
Physical scrip withdrawal
HK$3.5/lot
Through Central Clearing and Settlement System (CCASS)
- Deposit Fee Free --- ---
Free
RMB
Bond Others
Transfer in / out Fee
with other custodian
N.A. --- --- HK$500 / instruction N.A.
This page has been revised since 2 October 2009
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.(3) Prestige Banking Customers can enjoy preferential custody fee and deposit charge for purchase orders and 1,000 free real-time quotes.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang Seng BankLimited reserves the right to revise any charges, special offers and other services from time to time.
8/14/2019 BSC Banking Service Magazine.pdf
11/33
PPL489-R22
(10/2010)(LT)v.2
C. Securities and Investment FundsServices (contd)
Nominee Services and Corporate Actions
0.5% on amount collected HK$30 HK$2,000 Free
HK$30/transaction --- --- N.A. N.A.
0.2% of redemption amount --- HK$300
Other Services
HK$150/transaction plus relevantCCASS charges plus
0.5% on amount collected
HK$30 per distribution
---
HK$30
---
---
HK$2,000
---
N.A. N.A.
Local Securities (1)
- Collection ofDividends/Interest
- Scrip Dividends- Cash Offer- Privatisation- Conversion of
Warrants(Cash Settled)
- Receipt of
Bonus Issues- Shares
Consolidation/Splitting
- Right Issues- Conversion of
Warrants(Receipt of
Securities)
Maturity Redemptionof Exchange ListedNotes and Bonds
Unclaimed BenefitEntitlement
- Dividend
- Bonus Issue
CD/Other
Structured
Product (2)Service Handling Charge Min Max
RMB
Bond Others
Securities Listed on HKEx
- 3 -
Certificate ofAccount Balance
HK$100 per certificate (HK$100 for each additional account)
Re-issuance ofTransaction Advice
HK$100 per copy
Photocopying of:- Statement
(per cycle)
HK$50 per cycle
Bond
Free
Free
This page has been revised since 2 January 2010
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang Seng BankLimited reserves the right to revise any charges, special offers and other services from time to time.
8/14/2019 BSC Banking Service Magazine.pdf
12/33
PPL489-R22
(10/2010)(LT)v.2
Local Securities (1)
Securities Listed on HKEx
C. Securities and Investment FundsServices (contd)
Service Handling Charge Min Max
- 4 -
RMB
Bond
CD / Other
Structured
Product (2)Others
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)
HK$10 --- N.A. N.A.FREE Real-time Quote: 500 quotes per month for Preferred
Banking / General Customers. 1,000 quotes per month for Prestige
Banking Customers.Additional FREE Real-time Quote: Preferred Banking Customers who
have holdings in their securitiesaccount can enjoy additional 250quotes in that month.
Prestige Banking / Preferred Banking /General Customers:Additional 200 quotes for therespective month for every successfulbuy / sell transaction or everyHK$50,000 of accumulated turnover(whichever number of free real-timequotes enjoyed is higher).
Additional free real-time quoteearned from successful transactionsmay be carried forward to the nextmonth and is determined inaccordance with the following:(A):The balance of total additional
free real-time quotes earned fromsuccessful buy/sell transactionsduring the month LESS the totaladditional free real-time quotesearned from successful buy/selltransactions in the first 24calendar days of the month; or
(B): The number of unused free real-time quotes of the month.
Compare (A) with (B), the lower ofthe two can be carried forward to thenext month; the additional free real-time quotes that are carried forwardcan only be used in the immediatelyfollowing month and will be cancelledautomatically if such free real-time
quotes are not used in that month.(Calculation on the No. of free real-time quotes that can be carriedforward to the next month, pleaserefer to case 3 & 4)
HK$0.05 per quote per month for usage ontop of the total free quotes offered above.
Real-time QuoteService Plan(via Hang SengPersonale-BankingServices)
Bond
8/14/2019 BSC Banking Service Magazine.pdf
13/33
PPL489-R22
(10/2010)(LT)v.2
Local Securities (1)
Securities Listed on HKEx
C. Securities and Investment FundsServices (contd)
Service Handling Charge Min Max
- 5 -
RMB
Bond
CD / Other
Structured
Product (2)Others
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)
--- --- N.A. N.A.HK$200 / month
This service plan is suitable for high
usage investors.
Full fee will be collected from the
settlement account of the designated
securities account even if no real-time
quotes are used in the month.
The subscription/cancellationinstruction will be effective in the next
calendar month after the application.
Real-time Snapshot
Service Plan
(via Hang Seng
Personal
e-Banking Services)
Example (Assume a customer has an Integrated Account with Securities Account) (For reference only)
Case 1:
In April, your real-time quote usage is 500. You have traded 2 times and your total turnover is HKD180,000.
Based on turnover, you will enjoy 600 additional free real-time quotes. Therefore, together with the basic free
entitlement of 500, you will have 1,100 free real-time quotes (500 + 600) and do not need to pay any charges.
Case 2:
In May, you have used 2,000 real-time quotes and do not have any trades. Your basic free Entitled quotes are
500. Therefore, you need to pay HKD75, i.e. HKD0.05 x 1500 quotes.
Case 3:
Assume the securities transactions of the month for General Customers:
1st 24th of Month During the Month[c] [d]
(1) Accumulated Turnover: HKD200,000 HKD201,000
Total No. of Transactions: 1 2
Additional Free Real-time Quotes earned from 800 800
successful transactions during the period:
No. of Free Real-time Quotes that can be Accumulated [d] [c]: 0 (A)
(2) Basic Free Real-time Quotes: 500
Total Free Real-time Quotes of the Month: 500 + 800 = 1,300
Real-time Quotes Used of the Month: 1,000
No. of Unused Free Real-time Quotes of the Month: 300 (B)
The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 0
Based on the trading activities in Case 3, the customer can enjoy more free real-time quotes by using the total
trading turnover to determine the number of additional free real time quotes earned from his/her successful
transactions for the month. During the month, the customer will enjoy 800 additional free real-time quotes. The
number of unused free real-time quotes that can be carried forward to the next month will be the lower of (A)
and (B):
(A) Total additional free real-time quotes earned from successful buy/sell transaction during in the month LESS the
total additional free real-time quotes earned from successful buy/sell transaction in the first 24 calendar days of
the month; [d] [c], i.e. 800 800 = 0
Bond
8/14/2019 BSC Banking Service Magazine.pdf
14/33
PPL489-R22
(10/2010)(LT)v.2
Local Securities (1)
Securities Listed on HKEx
C. Securities and Investment FundsServices (contd)
- 6 -
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)
Service Handling Charge
(B) The number of unused free real-time quotes of the month; i.e. 1,300 1,000 = 300
Compare (A) the number of additional free real-time quotes that can be accumulated with (B) the number of
unused free real-time quotes (whichever is lower), there will be no additional free real-time quote that can be
carried forward to the immediately following month.
Case 4:
Assume the securities transactions of the month for General Customers:
1st 24th of Month During the Month
[c] [d]
(1) Accumulated Turnover: HKD200,000 HKD201,000
Total No. of Transactions: 4 5
Additional Free Real-time Quotes earned from 800 1,000
successful transactions during the period:
No. of Free Real-time Quotes that can be Accumulated [d] [c]: 200 (A)
(2) Basic Free Real-time Quotes: 500
Total Free Real-time Quotes of the Month: 500 +1,000 = 1,500
Real-time Quotes Used of the Month: 1,400
No. of Unused Free Real-time Quotes of the Month: 100 (B)
The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 100
Based on the trading activities in Case 4, the customer can enjoy more free real-time quotes by using the total
number of transactions to determine the number of additional free real time quotes earned from his/her
successful transactions for the month. During the month, the customer will enjoy 1,000 additional free real-time
quotes. The number of unused free real-time quotes that can be carried forward to the next month will be the
lower of (A) and (B):
(A) Total additional free real-time quotes earned from successful buy/sell transaction during in the month LESS thetotal additional free real-time quotes earned from successful buy/sell transaction in the first 24 calendar days of
the month; [d] [c], i.e. 1,000 800 = 200
(B) The number of unused free real-time quotes of the month; i.e. 1,500 1,400 = 100
Compare (A) the number of additional free real-time quotes that can be accumulated with (B) the number of
unused free real-time quotes (whichever is lower), there will be 100 additional free real-time quote that can be
carried forward to the immediately following month.
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
8/14/2019 BSC Banking Service Magazine.pdf
15/33
PPL489-R22
(10/2010)(LT)v.2
Local Securities (1)
Securities Listed on HKEx
C. Securities and Investment FundsServices (contd)
- 7 -
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)
Service Handling Charge
Terms & Conditions:
1. Real-time Quote Service Plan is for Securities Account holders only. Customers who do not have any Securities Account with theBank can enjoy delayed quotes.
2. According to HKEx, only stock quote enquiry on trading day which is from market open of each trading session to 15 minutesafter market close of each trading session, will be counted into real-time quotes usage. Real-time quote usage includes stockquote enquiries via (i) Simple Quotes, Detailed Quotes, Watch List and the 1st entry page for securities order placement; (ii) thestock code hyperlink in Stock Comparison, Real-time Market News, SEHK News, Blue Chips Performance, Red Chips Performance,H Shares Performance and GEM Board Performance.
3. Stocks quotes on Exchange Traded Funds traded under the Pilot Programme during 09:30 to 16:15, and stock quotes on othersproducts during 9:30 to12:45 and 14:30 to 16:15, will be counted as real-time quotes.
4. Each e-Banking customer is only entitled to ONE Real-time Quote Service Plan.
5. Transaction and turnover will be counted by combining the local securities trading records of all your Securities Account(s)6. Fees of current month will be charged to your Securities Settlement Account at the beginning of the following month. If you have
more than one Securities Account, we will select and debit one of your Settlement Accounts in the following priority:
1st Priority : Joint Name Securities Accounts Settlement Account prevails Sole Name Securities Accounts Settlement Account
2nd Priority : Settlement Account of Prestige Banking Integrated Account prevails Settlement Account of Preferred BankingIntegrated Account; Settlement Account of Preferred Banking Integrated Account prevails Settlement Account ofIntegrated Account; Settlement Account of Integrated Account prevails HKD Current Settlement Account; HKDCurrent Settlement Account prevails HKD Savings Settlement Account
3rd Priority : Settlement Account with latest account opening date prevails an earlier Settlement Account
7. If your Settlement Account(s) balance is insufficient to settle the fee(s) in full, the Bank reserves the right to set off the fees at anyof your Hong Kong Dollar Accounts with the Bank
(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.
(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
8/14/2019 BSC Banking Service Magazine.pdf
16/33
PPL489-R22
(10/2010)(LT)v.2
Service Handling Charge Min Max
Brokerage Fee 0.5% of transaction amount HK$100 ---
Handling Charge 0.25% of transaction amount --- ---
Trading Fee 0.0075% of transaction amount --- ---
Clearing Fee 0.04% of transaction amount --- US$393
Deposit Charge for Purchase Orders HK$10/lot for the first 100 lots HK$30 HK$2,000
HK$3.5/lot from 101st lot onwards
Shenzhen and Shanghai B Shares (1)
Singapore Securities - Jardine Group Stocks only (1)
(1) Except listed charges, all other charges are the same as those for local securities.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang Seng BankLimited reserves the right to revise any charges, special offers and other services from time to time.
- 8 -
C. Securities and Investment FundsServices (contd)
Service Handling Charge Min Max
Shenzhen
Brokerage Fee 0.8% of transaction amount HK$400 ---
Transaction Levy 0.0341% of transaction amount --- ---
Stamp Duty 0.1% of transaction amount --- ---
(For Sale Transactions Only)
Clearing Fee 0.05% of transaction amount --- ---
Handling Charge for Securities Transfer HK$300 per request for each securities --- ---
Deposit Charge for Purchase Orders HK$30 per request --- ---
Shanghai
Brokerage Fee 0.8% of transaction amount HK$400 ---
Transaction Levy 0.0255% of transaction amount --- ---
Stamp Duty 0.1% of transaction amount --- ---
(For Sale Transactions Only)
Clearing Fee 0.05% of transaction amount --- ---
Administration Fee 0.0045% of transaction amount --- ---
Handling Charge for Securities Transfer HK$700 per request for each securities --- ---
Deposit Charge for Purchase Orders HK$30 per request --- ---
8/14/2019 BSC Banking Service Magazine.pdf
17/33
PPL489-R22
(10/2010)(LT)v.2
Overseas Securities(1)(Applicable to customers whose overseassecurities accounts were opened on or before 31 March 2006)
C. Securities and Investment FundsServices (contd)
Cross Border Transfer Fee for Receipt/
Delivery of Foreign Securities
HK$100 handling fee per request plus
HK$200 DTC(2)charges per request
and out-of-pocket expenses
--- ---
Warrant Conversion, Voluntary Take-
over, Tender Offer & Open Offer
HK$100 handling fee per request
plus HK$600 DTC(2)charges per
request and out-of-pocket expenses
--- ---
Deposit Charge for Purchase Orders HK$10/lot HK$30 HK$2,000
HK$100 handling fee per request plus
HK$600 DTC(2)charges per request
and out-of-pocket expenses
Withdrawal Fee for Physical Scrips --- ---
- 9-
Service Handling Charge Min Max
iShares Settled in US Currency Listed in Hong Kong
Brokerage Fee 0.5% of transaction amount US$20 ---
Transaction Levy 0.003% of transaction amount --- ---
(collected by SFC)
Trading Fee 0.005% of transaction amount --- ---
(collected by HKEx)
Deposit Charge for Purchase Orders US$1/lot US$4 US$25
US Securities Listed in Hong Kong
Brokerage Fee 0.5% of transaction amount HK$100 ---
Transaction Levy 0.003% of transaction amount --- ---
(collected by SFC)
Trading Fee 0.005% of transaction amount --- ---
(collected by HKEx)
US/UK/Japan
Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500
This page has been revised since 1 October 2010
Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500
Other Charges (Applicable to all the securities mentioned above)
Transfer-out HK$30/securities/transaction plus --- ---
out-of-pocket expenses
(1) Except listed charges, all other charges are the same as those for local securities.(2) US Depository Trust CompanyCustomers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.All fees and charges are determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang Seng
Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
8/14/2019 BSC Banking Service Magazine.pdf
18/33
PPL489-R22
(10/2010)(LT)v.2
- 10 -
C. Securities and Investment FundsServices (contd)
(1) The Bank reserves the right to review the fees and charges from time to time and customers can obtain the updated charges information from branch staff.(2) The Account Service Fee/Custody Fee will be charged at every month-end starting from the month following the account opening date.(3) Base on the account balance at each month-end (including all the investment products & cash) and will be charged on monthly basis.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.
Account Fee Charges
Account Service Fee (2)(Monthly) RMB50
Custody Fee (2)(Monthly) 0.25%p.a. on account balance (3)
Company Activities Charges
Cash Dividend/Interest Collection Fee 0.5% on amount collected
(Min. RMB30; Max. RMB2,000)
Collection of Script Bonus RMB30 per time
Services Charges for Hang Seng A Share Investment Services (1)
8/14/2019 BSC Banking Service Magazine.pdf
19/33
PPL489-R22
(10/2010)(LT)v.2
This page has been revised since 2 January 2010- 11 -
C. Securities and Investment FundsServices (contd)
Investment Funds
Charge Item Charge
Funds under Hang Seng Investment Series
and Hang Seng Islamic Investment Series Other FundsClass A Units Class B Units
Subscription Fee (1) Hang Seng Investment Nil Up to 5.5%
Series: Up to 4%
Hang Seng Islamic
Investment Series: Up to 3%
Switching Handling Fee (2) Via Branch/Phone Banking: Nil Via Branch/Phone Banking:
(applicable to switching 1%; 1%;
within same fund house) Via Hang Seng Personal Via Hang Seng Personal
e-Banking: 0.5% e-Banking: 0.5%
Management Fee (p.a.) Hang Seng Investment
Series: Up to 1.5%
Hang Seng IslamicInvestment Series: Up to 1%
Hang Seng Investment
Series: Up to 1.5%
Hang Seng IslamicInvestment Series: Up to 1%
Up to 2.75%
Administration Fee (p.a.) (3) Nil Up to 1% Depending on individual
fund house
Redemption Fee (4) Nil Holding Period
Less than 1 year: 3%
1 year - less than 2 years: 2%
2 years - less than 3 years: 1%
Class B Units will be
automatically converted to
Class A Units after 3 years,
upon which no redemption
fee will apply.
Up to 0.5% (applicable to
selected funds only and
reflected in the bid price)
Investment Fund Account
Annual Fee
HK$50 semi-annually
(Waived for Integrated Account holders)
Issue Certificate of
Investment Funds
Account Balance
HK$100 per certificate
This page has been revised since 2 January 2010
(1) Up to 2% subscription fee discount for Prestige Banking customers.(2) The switching handling fee is charged by the Bank in respect of switching of funds under the same fund series, customer is not required to separately pay the switching fee (if any) charged
by the relevant fund. The switching fee for Class A units of the Funds of the Hang Seng Investment Series and Hang Seng Islamic Investment Series is up to 2%, but such fee is currentlywaived for the Class A units of the Money Market Funds of the Hang Seng Investment Series. This offer is valid until further notice. No switching fee will be charged in respect of switchingof Class B Units. However, the fund manager is entitled to charge a switching fee of up to 1.0% of the issue price of the relevant Class B Units as on the day of switching where the fundmanager considers that there has been undue frequent switchings from the same investor within a short period of time. Both the Hang Seng Islamic Investment Series and the Hang SengInvestment Series are managed by the same fund manager (i.e. Hang Seng Investment Management Limited) but they are two independent and separate investment series and theinvestments of funds in the Hang Seng Investment Series are made without reference to Islamic Investment (or Shariah) Principles.
(3) Administration fee reflects the handling and update of transaction records, redemption fee calculation and the arrangement for converting Class B Units into Class A Units done by thefund manager. The administration fee of up to 1% p.a., is currently waived for the Hang Seng Index Fund Class B Units, Hang Seng China H-Share Index Fund Class B Units and HangSeng China Index Fund Class B Units. This offer is valid until further notice.
(4) Redemption fee is calculated based on the redemption proceeds of the Units being redeemed. A flat rate of 1% is charged on redemption during the first 3 years holding period of ClassB Units of the Hang Seng Index Fund, Hang Seng China H-Share Index Fund and Hang Seng China Index Fund. This 1% redemption fee offer is valid until further notice. Pleasecontect the Banks staff for details of the fees before redemption of Class B Units.
Re-print Contract Note /
Confirmation for
transaction(s)
HK$100 per copy
Re-print Investment
Funds Account Monthly
Statement
HK$50 per copy
8/14/2019 BSC Banking Service Magazine.pdf
20/33
PPL489-R22
(10/2010)(LT)v.2
Visa Infinite / World MasterCard
D. Credit Card Services
Annual Fee
Platinum Card
Principal Card - HK$6,000
Supplementary Card - HK$1,000
Principal Card - HK$800
Supplementary Card - HK$400
Gold Card Principal Card - HK$540Supplementary Card - HK$270
Visa Business Card /
MasterCard Corporate Card
- Gold Card
- Classic Card
HK$540 per Card
HK$240 per Card
Renminbi Credit Card
- Platinum Card
- Gold Card
- Classic Card
Principal Card - CNY800
Supplementary Card - CNY400
Principal Card - CNY540
Supplementary Card - CNY270Principal Card - CNY240
Supplementary Card - CNY120
USD Visa Gold Card Principal Card - US$70
Supplementary Card - US$35
- 1 -
alpha card HK$50 per Card
For enquiries on credit card services, please call our 24-Hour Customer Service Hotlines:
Hang Seng Visa Infinite 2998 8228
Hang Seng World MasterCard 2998 8111
The Hong Kong Jockey Club Membership Card 2998 8833
Hang Seng Platinum Card / Prestige Banking Platinum Card 2998 8222
Hang Seng Credit Card / Spending Card / Corporate Card / Business Card / 2398 0000
Commercial Card
Hang Seng enJoy Visa Platinum Card / Spending Card 2998 8888
Hang Seng enJoy Visa Card 2998 8188
Note: Fees and charges in U.S. Dollars used in this Credit Card Services section are only applicable to USD Visa Gold Card (except Credit Reference Letter Fee). A handling fee of HK$30 (via PLUS/Cirrus ATMs), HK$15 (via China UnionPay (CUP) ATMs) or HK$20 (via Hang Seng Bank / HSBC Group ATMs outside Hong Kong)
will be charged to your bank account which is linked up with your credit card, and from where cash withdrawal is made. For repayment of Renminbi Credit Card bill, where a conversion of HKD into Renminbi is required, such conversion should be calculated at such rate specified by the
Bank which shall be conclusive and binding on you.
Classic Card Principal Card - HK$240
Supplementary Card - HK$120
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
8/14/2019 BSC Banking Service Magazine.pdf
21/33
PPL489-R22
(10/2010)(LT)v.2
D. Credit Card Services (contd)
Visa Infinite / World MasterCard /
Platinum Card / Gold Card /
Classic Card / Visa Business Card /MasterCard Corporate Card /
Priority Pass Card
Card Replacement Fee
Renminbi Platinum Card / Renminbi
Gold Card / Renminbi Credit Card
HK$100 per card account
CNY100 per card account
The Hong Kong Jockey Club
Membership Card (MasterCard /
Private Label Card)
HK$100 per card account for
lost card replacement
change of photo or signature (subject to the
Clubs approval)
USD Visa Gold Card US$13 per card account
Club Marina Cove Membership
Credit Card / enJoy Private Label Card
HK$20 per card account
e-shopping MasterCard
- 2 -
enJoy Spending Card / alpha card HK$50 per card account
Principal Card - HK$100
Late Charge
Visa Infinite / Platinum Card /
Gold Card / Classic Card / Visa
Business Card / MasterCard
Corporate Card / USD Visa Gold
Card / Private Label Card
If the Customer fails to make the minimum
payment amount on or before the payment due
date, a late charge of HK$180/US$23; or HK$200
(Applicable to selected customers, please refer to
the leaflet enclosed with the new card) will be
levied each time.
World MasterCard / The Hong Kong
Jockey Club Membership Card
(MasterCard / Private Label Card) /
Club Marina Cove Membership
Credit Card / enJoy Private Label Card
Renminbi Platinum Card / Renminbi
Gold Card / Renminbi Credit Card
If the Customer fails to make the minimum
payment amount on or before the payment due
date, a late charge of CNY180 will be levied each
time.
If the Customer fails to make the minimum
payment amount on or before the payment due
date, a late charge of 5% of the minimum payment
amount (minimum HK$30; maximum HK$100) will
be levied each time.
8/14/2019 BSC Banking Service Magazine.pdf
22/33
PPL489-R22
(10/2010)(LT)v.2
Visa Infinite / Platinum Card /
Gold Card / Classic Card /
Visa Business Card /MasterCard Corporate Card /
USD Visa Gold Card /
Private Label Card
Overlimit Fee
An overlimit fee of HK$180/US$23 per month will
be charged if the outstanding balance exceeds
the prescribed credit limit.
D. Credit Card Services (contd)
- 3 -
Renminbi Platinum Card / Renminbi
Gold Card / Renminbi Credit Card
An overlimit fee of CNY180 per month will be
charged if the outstanding balance exceeds the
prescribed credit limit.
World MasterCard / The Hong Kong
Jockey Club Membership Card
(MasterCard / Private Label Card) / Club
Marina Cove Membership Credit Card
An overlimit fee of HK$100 per month will be
charged if the outstanding balance exceeds the
prescribed credit limit by more than 10%.
Cash Advance Handling Fee
Visa Infinite / World MasterCard /
Platinum Card / Gold Card /
Classic Card / Visa Business Card /
MasterCard Corporate Card /
USD Visa Gold Card
A handling fee of 3% of the cash advance
amount (minimum HK$80/US$10) will be
charged for every cash advance transaction.
Cash advance transaction can be made at Hang
Seng Bank/HSBC Group ATMs, other ATMs with
Visa/PLUS, MasterCard/Cirrus or CUP signage,
financial institutions with Visa or MasterCard
signage and over the counters of Hang Seng
Bank.
Renminbi Platinum Card / Renminbi
Gold Card / Renminbi Credit Card
A handling fee of 3% of the cash advance
amount (minimum CNY80) will be charged forevery cash advance transaction.
Cash advance transaction can be made at ATMs
with CUP signage on mainland China.
A handling fee of 3% of the cash advance
amount will be charged for every cash advance
transaction.
Minimum handling fee for every cash advance
transaction made at Hang Seng Bank/HSBC
Group ATMs or over the counters of Hang Seng
Bank and at other ATMs with MasterCard/Cirrus
signage or financial institutions with MasterCard
signage are HK$20 and HK$40 respectively.
The Hong Kong Jockey Club
Membership Card (MasterCard)
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
8/14/2019 BSC Banking Service Magazine.pdf
23/33
PPL489-R22
(10/2010)(LT)v.2
Other Fees
Foreign Currency Transaction
Conversion Fee
Foreign currency transactions will be converted
into Hong Kong Dollars (for USD Visa Gold Card,
the non-USD transactions will be converted into
US Dollars) at a rate selected by the relevant CardAssociation from the range of rates available in
wholesale currency markets for the applicable
conversion date or the government-mandated rate
in effect for the applicable conversion date, in
each instance plus 1.95% / 1.2% (only applicable
to The Hong Kong Jockey Club Membership Card
(MasterCard) and CUP Credit Card) (inclusive of
the reimbursement charge levied by the relevant
Card Association on Hang Seng Bank).
D. Credit Card Services (contd)
SelectImage MasterCard
Administration Fee
- Only applicable to the Customerswho are enjoying any annual fee
waiver (Hang Seng Credit Card
Rewards Programme excluded)
Printing Company Logo
Administration Fee
- Only applicable to Visa Business
Card / MasterCard Corporate
Card
HK$100 per year (per card account)
Services less than 1 year will also be charged
with a full annual administration fee
HK$100 per year
(per each Business / Corporate Card)
- 4 -
Returned Cheque/Autopay Reject
Handling Fee
HK$100/US$13 per item
Sales Draft Retrieval Fee Original - HK$80/US$12 per copyCopy - HK$30/US$4 per copy
Statement Copy Retrieval Fee Free for statement issued within 3 months
HK$50/US$7 per page for statement issued
beyond 3 months
(1) Postage fee required for mailing to the relevant local/foreign institutions is included.
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
Credit Reference Letter Fee(1) HK$200 (local copy)/US$50 (foreign copy)
8/14/2019 BSC Banking Service Magazine.pdf
24/33
PPL489-R22
(10/2010)(LT)v.2
Other Fees
D. Credit Card Services (contd)
HK$35 per cashiers order
Payment by Foreign Cheque /
Cashiers Order
HK$60 per cheque
For payment made by cheque/cashiers order of
Macau Banks, an additional 0.25% of cheque amountor HK$100 (whichever is higher) will be charged.
Credit Balance Refund by Cashiers
Order
- 5-
Statement Copy Retrieval Fee Free for statement issued within 3 months
CNY50 per page for statement issued beyond 3
months
Other Fees of Renminbi Credit Card
Credit Reference Letter Fee(1) CNY200 (local copy)/US$50 (foreign copy)
Credit Balance Refund by Cashiers
Order
CNY35 per cashiers order
Autopay Reject Handling Fee CNY100 per item
Sales Draft Retrieval Fee
Handling Fee for payment Over the
Counter at Branch(2)HK$30 per transaction
Original - CNY80 per copy
Copy - CNY30 per copy
(1) Postage fee required for mailing to the relevant local/foreign institutions is included.(2) Customers who can present Visa Infinite, World MasterCard, The Hong Kong Jockey Club Membership Card (MasterCard/Private Label Card) or Renminbi Card or a
copy of the above mentioned Cards will be exempted from this fee.
8/14/2019 BSC Banking Service Magazine.pdf
25/33
PPL489-R22
(10/2010)(LT)v.2
D. Credit Card Services (contd)
Hang Seng Visa Commercial Card /
Hang Seng MasterCard Commercial Card
If the Customer fails to make the minimum payment
amount on or before the payment due date, a late charge
of 8% of the minimum payment amount (minimum
HK$150; maximum HK$300) will be levied each time.
Annual Fee HK$240 per Card
Card Replacement Fee HK$100 per card account
Late Charge
Overlimit Fee An overlimit fee of HK$150 per month will be charged
if the outstanding balance exceeds the prescribed
credit limit by more than 5%.
- 6 -
(1) The service is not applicable to Hang Seng enJoy Commercial Card.
Foreign currency transactions will be converted into
Hong Kong Dollars at a rate selected by the relevant
Card Association from the range of rates available in
wholesale currency markets for the applicable
conversion date or the government-mandated rate in
effect for the applicable conversion date, in each
instance plus 1.95% (inclusive of the reimbursement
charge levied by the relevant Card Association on Hang
Seng Bank).
Administration Fee for
Printing of Company Logo
on Card Face Service(1)
HK$100 per year
(per each Commercial Card)
Foreign Currency
Transaction Conversion Fee
Cash Advance Handling Fee A handling fee of 3% of the cash advance amount
(minimum HK$80) will be charged for every cash
advance transaction.
Cash advance transaction can be made at Hang Seng
Bank/HSBC Group ATMs, other ATMs with Visa/PLUS
or MasterCard/Cirrus signage, financial institutions
with Visa or MasterCard signage and over the
counters of Hang Seng Bank.
Returned Cheque/Autopay
Reject Handling Fee
HK$100 per item
Sales Draft Retrieval Fee Original - HK$80 per copy
Copy - HK$30 per copy
8/14/2019 BSC Banking Service Magazine.pdf
26/33
PPL489-R22
(10/2010)(LT)v.2
D. Credit Card Services (contd)
Hang Seng Visa Commercial Card /
Hang Seng MasterCard Commercial Card (contd)
HK$200 (local copy) / US$50 (foreign copy)
Statement Copy Retrieval
Fee
Free for statement issued within 3 months
HK$50 per page for statement issued beyond 3
months
Credit Reference Letter Fee(1)
HK$35 per cashiers order
Payment by Foreign
Cheque/ Cashiers Order
HK$60 per cheque
For payment made by cheque/cashiers order of Macau
Banks, an additional 0.25% of cheque amount or HK$100
(whichever is higher) will be charged.
Credit Balance Refund by
Cashiers Order
(1) Postage fee required for mailing to the relevant local / foreign institutions is included.
- 7 -
8/14/2019 BSC Banking Service Magazine.pdf
27/33
PPL489-R22
(10/2010)(LT)v.2
E. Lending Services
- 1 -
Property Instalment Loans
Service Charge
Application Fee HK$1,000 - HK$2,000 per application
(payable upon application and not applicable to customers under
special schemes, e.g. Home Ownership Scheme)
Front End Fee
- new purchase of residential mortgage Waived (personal borrower)
0.5% on loan amount (company borrower)
- non-residential mortgage 0.5% on loan amount
- rental property 0.5% on loan amount
- further charge 0.5% on further charge amount
Secured Loans
Secured Overdraft Facility
Item Charge
Monthly Handling Fee(1) 0.01% on the Secured Overdraft Limit
Vehicle Loans
Service Charge
Assignment (Change of Hirer) /HK$1,000
Change of Agreement Term
Transfer or Retain Vehicle Registration Mark HK$500 - HK$600
Vehicle Replacement HK$500 - HK$600
Loan Handling Fee (Except Taxi and PLB Loan) HK$250
This page has been revised since 2 October 2009
(1) If the secured overdraft limit is initially granted on or before June 2008, this fee is not applicable.
Note: The above information is for customers reference with regard to the charges (applicable to all types of vehicles) for various services offered by Hang Seng Bank
Limited. The listed charges are correct at the time of printing but subject to change with notice.
8/14/2019 BSC Banking Service Magazine.pdf
28/33
PPL489-R22
(10/2010)(LT)v.2
Mortgage Lending Related Services
Service Charge
Photocopying of:
- Letter of Offer HK$100 per copy
- Title Deeds HK$200 per copy of deed
Issuance of Interest Statement HK$100 per account / each financial year
(free for first copy of personal residential mortgage
account for the last financial year)
Issuance of Certified Charge HK$200 per letter
Bank Confirmation for Audit Purpose HK$150 per account balance
(Max.: HK$1,200 ; Min.: HK$300)
Additional copies: HK$100 per copy
Re-issuance of Repayment Schedule HK$100 per copy
Re-issuance of Interest Rate Change Advice HK$100 per copy
Lease Consent Letter on Charged Property HK$1,000 per letter
Change of Repayment Schedule on Mortgage Loan* HK$1,000 per account
Credit Information HK$200 per copy
Custody of Non-discharged Deeds after Full repayment HK$2,000 per year
Issuance of Redemption Statement for Existing Account HK$200 per copy
Autopay Returned Due to Insufficient Funds HK$130 per item (applicable on or before 31 January
2010) / HK$150 (applicable on or after 1 February 2010)
Using Debit Note for Repayment HK$30 per instalment
Late Charge* HK$400 per transaction
(Including handling fee for autopay returned due to
insufficient fund)
(This charge will be effective on 1 February 2010)
- 2 -
E. Lending Services (contd)
This page has been revised since 2 January 2010
* Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.
8/14/2019 BSC Banking Service Magazine.pdf
29/33
PPL489-R22
(10/2010)(LT)v.2
- 3 -
Unsecured Loans
E. Lending Services (contd)
Unsecured Overdraft Facility
Item Charge
Annual Fee For personal customers:
0.5% - 1% of the overdraft limit (minimum HK$200, maximum
HK$800)
Prestige Banking Customers: Perpetually Waived
Other Integrated Account customers: First Year waived
Late Charge HK$100
Personal Instalment Loan
Item Charge
Handling Fee Please refer to the promotional leaflet
Prepayment Handling Fee Not more than HK$800
Default Interest Monthly instalment due calculated at the rate of 2.25% per
month from the due date of such instalment until the date of full
payment
Late Charge HK$200
This page has been revised since 2 January 2010
8/14/2019 BSC Banking Service Magazine.pdf
30/33
PPL489-R22
(10/2010)(LT)v.2
- 4 -
Unless otherwise specified, the handling fee for cashwithdrawal / fund transfers made at Hang Seng / HSBC ATMs
/ EPS payment is 2% of the transaction amount or HK$50
(whichever is higher)
Withdrawal / transfer at ATMs other than those of Hang Seng
and HSBC located in Hong Kong is subject to additional
handling fee, maximum up to HK$31
Late Charge If the customer fails to make the minimum payment on or
before the payment due date, a late charge of 5% of the
minimum payment (minimum HK$100 (applicable on or before
31 January 2010) / HK$150 (applicable on or after 1 February
2010); Maximum HK$200) will be imposed
Overlimit Fee If the accounts outstanding balance exceeds the credit limit by
more than 10%, an overlimit fee of HK$100 (applicable on or
before 31 January 2010) / HK$150 (applicable on or after 1
February 2010) per month will be levied
Returned Cheque Handling Fee HK$100 per cheque
Statement Copy Retrieval Fee Free for statement issued within 3 months
HK$50 per page for statement issued beyond 3 months
Credit Reference Letter Fee (1) HK$200 (local copy) / US$50 (foreign copy)
Payment by Foreign Cheque / Cashiers Order HK$60 per cheque
For payment made by cheque / cashiers order of Macau
Banks, an additional 0.25% of cheque amount or HK$100
(whichever is higher) will be charged
Credit Balance Refund by Cashiers Order HK$35 per cashiers order
Foreign Currency Conversion All transactions effected by Revolving Loan Account in currencies
other than Hong Kong Dollars shall be debited to the Revolving
Loan Account after conversion into Hong Kong Dollars. For the
transactions effected via the PLUS networks, the money
withdrawn is first converted to US Dollars, and then to Hong
Kong Dollars, at the daily exchange rates set by VISA and HSBC
respectively, plus a 1% conversion charge. For the other
networks, the money withdrawn is converted directly to Hong
Kong Dollars at the daily exchange rates set by HSBC plus a 1%
conversion charge
E. Lending Services (contd)
Personal Revolving Loan
Item Charge
Annual Fee HK$300
ATM Cash Withdrawal / Fund Transfer /EPS Payment Handling Fee
This page has been revised since 2 January 2010
(1) Postage fee required for mailing to the relevant local / foreign institutions is included
8/14/2019 BSC Banking Service Magazine.pdf
31/33
PPL489-R22
(10/2010)(LT)v.2
F. Integrated Account Services and Privileges
Type of Integrated Accounts Charges(1)
Prestige Banking
For customer with a Total Relationship Balance(2)of
HK$1,000,000 or above WaivedHK$500,000 - HK$999,999 HK$40 per month
Below HK$500,000 HK$340 per month
Preferred Banking
For customer with a Total Relationship Balance(2)of
HK$200,000 or above Waived
HK$50,000 - HK$199,999 HK$26 per month
Below HK$50,000 HK$106 per month
Integrated Account
For customer with a Total Relationship Balance(2)of
HK$10,000 or above Waived
Below HK$10,000 HK$60 per month
- 1 -This page has been revised since 1 November 2009
(1) Monthly Fee will be charged on the 8th business day of each month based on the Total Relationship Balance in the previous month. Monthly Fee is not applicable toIntegrated Account holders aged under 21 except Integrated Account holders of Prestige Banking and Preferred Banking.
(2) The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraftfacilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed byHang 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.
8/14/2019 BSC Banking Service Magazine.pdf
32/33
PPL489-R22
(10/2010)(LT)v.2
- 2 -
Privileges
F. Integrated Account Services andPrivileges (contd)
Prestige Banking PreferredBanking
IntegratedAccount
Deposit, Remittances and Foreign Exchange
Services(1)
Gift Cheque Handling Charge
Issuance of Cashiers Order Handling Charge (2)
Issuance of Demand Drafts Handling Charge
Outward Remittance Handling Charge (3)(4)
Set-up of Standing Instructions Handling Charge (3)
Amendment of Standing Instructions Handling
Charge (3)
Purchase/Sale of Foreign Currency Notes
Handling Charge
Foreign Currency Notes Deposits / WithdrawalsHandling Charge (5)
Inward Remittance Handling Charge (3)
Inward CHATS Handling Charge (3)
Purchase of Travellers Cheque Handling Charge
Set-up of Direct Debit Authorisations (excluding
Credit Card Account) Handling Charge (3)
Coin Changing Charge
Cheque Book(s) delivery by courier Service Charge (3)
Safety Deposit Box A Rental Fee(6)
Waived
HK$30
HK$50
Waived
Waived
Waived
Waived
Waived
Waived
Waived
Waived
Waived
HK$1 per sachet
Waived
First-year waived
HK$7.5
-
-
-
Waived
-
Waived
Waived
-
-
-
-
-
-
First-year waived
-
-
-
-
-
-
-
Waived
-
-
-
-
-
-
-
GreenBanking
HK$7.5
-
-
-
Waived
-
Waived
Waived
-
-
-
-
-
-
First-year waived
This page has been revised since 2 January 2010
Credit Card Services Pre-approved (10)Prestige Banking Platinum Card
+ 3 supplementary cards Annual Fee
Pre-approved(10) Gold Card Annual Fee
Classic Card Annual Fee
Renminbi Credit Card Annual Fee
Lending Services
Unsecured Overdraft Facility Annual Fee
Handy Cash Personal Instalment Loan Handling Fee
Personal Revolving Loan Annual Fee
Securities and Investment Funds Services
Securities Custody Fee
Free Real-time Stocks Quotes (7)
Deposit Charge For Purchase Order for Local
Securities
Investment Fund Subscription Fee (8)
Advanced Switching Service with Preferential
Subscription Fee for New Funds (9)
-
750 per month
-
1% discount for
all funds in the
Hang Seng
Investment Series
(Funds with
subscription fee
5%: 1%
discount)
2%
subscription fee
-
500 per month
-
1% discount for
all funds in the
Hang Seng
Investment Series
(Funds with
subscription fee
5%: 1%
discount)
2%
subscription fee
25% discount
1,000 per month
50% discount
2% discount for all
funds in the Hang Seng
Investment Series
(Funds with
subscription fee
5%: 2% discount
Funds with
subscription fee