Académique Documents
Professionnel Documents
Culture Documents
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
PPL489-R22 (10/2010) (LT) v.2
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 Bank reserves 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.
A. Deposit Services
Current Accounts Service
Cheque Returned - due to insufficient funds - due to other reasons - due to cheque amount exceeding RMB80,000** Unauthorised Overdraft Stop Cheque Payment Instruction RMB Cheque Handling Fee - autosweeping to cover insufficient funds - switching of deposit by customer to cover insufficient funds Cheque Mark Good - sent by customer - sent by Bank Cheque Book(s) delivery by Courier Service (1)
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 HK$100 per cheque 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$60 per cheque HK$200 per cheque HK$25 per item
* Interest is calculated daily and charged monthly at the Banks prevailing interest rate. ** Only applicable to RMB Current Account
Charge
For over 2 years HK$100 semi-annually For over 2 years RMB 50 semi-annually For over 2 years(3) Payable semi-annually USD 12 GBP 20 EUR 20 CAD 15 CHF 15 AUD 15 NZD 20 ZAR 60 THB 1,000 JPY 2,000 Service charges shall not be applicable if deposit in any one of these currencies is above the stipulated deposit level of the respective currency under the Multi-foreign Currency Passbook Savings Account.
Improperly conducted account closed by the Bank Within three months of the date of its opening
HK$150 annually Savings Account Current/Integrated Account HK$50 per account HK$200 per account
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. Excludes Integrated Account and FlexiForex/ProForex Trading Account. Applicable to all Foreign Currency Account. This page has been revised since 2 January 2010
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Account Closure
Deposit Rate
0.01% 0.01% 0.01% 0% 0%
Deposit Rate
0.001% 0%
Deposit Rate
0.45% 0%
Deposit Rate
0%
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Charge
HK$50 per card
HK$50 per card HK$100 per card HK$100 per account HK$15 per cheque Account Holder Non-Account Holder HK$60 per cheque HK$100 per cheque HK$60 per cheque (Plus: HK$300 payable to Clearing House of HKAB) Handling charge HK$60 per cheque
Cashiers Order - issuance(4) - report loss - re-purchased 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:
#
HK$170 per item (5) HK$15 per item (5) HK$300 per letter (HK$20 for each additional letter if several letters are issued at one time) HK$100 per certificate (HK$100 for each additional account) HK$150 per item
(6)
Reference Letter
Certificate of Account Balance Bankers Endorsement on Customers Signature Cheque send to Guangdong and / or Shenzhen for cheque clearing Currency of Cheque HK$ US$ Company Search Fee - local company - overseas company
GD HK$50 N.A.
SZ HK$50 HK$100
HK$100 per account Min.: HK$2,000 per account (According to the Banks actual expenses)
(1)
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Fee waiver is for customers with Senior Citizen Cards. Fee waiver is for the Prestige Banking Customers and customers with Senior Citizen Cards. 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.
(2) (3)
Charge
HK$250/HK$750/HK$1,000 per account HK$1,000 per year thereafter HK$50 per cycle or per copy
HK$300 per copy HK$2 per sachet HK$700 per year HK$70 per item - transfer to Hang Seng Bank HK$100 per item - transfer to other banks HK$150 per item HK$150 per transfer 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) HK$150 per item HK$1,000 per account per year Free HK$1 per additional cheque(5)
Auto Pay Returned Due to Insufficient Funds Special Mailing Instruction Bulk Cheque Deposit per customer per day - Up to 30 pieces - Over 30 pieces Bulk Cash Deposit per customer per day (Applicable to all currencies) - Up to 500 pieces of notes - Over 500 pieces of notes Bulk Coins Deposit per customer per day - Below 500 coins - 500 coins or above Transaction Charges ATM Savings Account Counter Service Fee - transfer / cash withdrawal(6) HKD Passbook/ Statement Savings Account below balance service fee(7) - average daily balance below HK$5,000 Personal data access request HKD account transactions conducted through branches per customer per calendar month (9)
(1) (2) (3) (4) (5) (6)
Free 0.25% on deposit amount (min. HK$50) Free 2% on deposit amount (min. HK$50) The Bank reserves the right to levy a charge on transactions conducted HK$20 per transaction
HK$50 per month Circumstantial ( maximum HK$500 per request) (8) 50 transactions or below Above 50 transactions Free HK$30 per transaction
(7)
(8)
(9)
Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet. 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 under this direct debit authorisation for more than two years, the Bank may cancel this direct debit authorisation without giving any notice. 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. Fee waiver is for customers with Senior Citizen Cards. Waived if all cheques are deposited into the same account as one single transaction. 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 following month. 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. 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 incurred without 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 receiving the requestors acceptance. 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 conducting certain 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 Bank reserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually of their monthly quota of free counter transactions by mail.
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- 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.) - Mexico, Argentina, Brazil, Panama, France, Malta, Greece, Turkey - Worldwide (Australia, Canada, China [including Hong Kong and the Mainland China], Japan, Mexico, Singapore, Taiwan, UK, US, etc.)
Cash withdrawal, balance enquiry, funds transfer(1) and statement / cheque book request Cash withdrawal Cash withdrawal and balance enquiry Cash withdrawal and balance enquiry
HK$30 HK$30
Cash withdrawal and balance enquiry Cash withdrawal and balance enquiry
Plus System 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. HK$15 Cash withdrawal and balance enquiry in most countries / regions
(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.
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Charge
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 another bank in Hong Kong / Mainland China / Taiwan / Macau HK$100 - Remit to a beneficiary account in other countries HK$100 (any currency) Via other channels: - Remit to a beneficiary account with Hang Seng in Mainland China / Macau (any currency)
Remarks
An additional HK$100 shall be charged if payment details are in Chinese (Exempted for HKD remittance to Macau)
HK$170
- Remit to a beneficiary account with another bank in Hong Kong / Mainland China / Taiwan / Macau (any currency) HK$200 - Remit to a beneficiary account in other countries HKD and domicile currency Non-Domicile currency(2) Plus: Foreign bank charges - amendment / cancellation Handling charge Plus: (if any) Cable charge Foreign bank charges Cable charge Plus: Foreign bank charges (Min: HK$200 per transaction)
#
HK$200 HK$260
- cable enquiry
Channels subscribed by customers HK$100 HK$300 An additional commission of 0.25% on HKD demand draft issuance (maximum: HK$1,000; minimum: HK$120)
- re-purchased - amendment
Handling charge Handling charge Plus: Postage or cable charge Handling charge Handling charge
HK$100 HK$100
Charge
Handling charge HK$200
PPL489-R22 (10/2010) (LT) v.2
Handling charge
HK$60
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. 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. Prestige Banking Customers can enjoy a privileged service charge of HK$50.
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Charge
1% 0.25% 0.375%
Remarks
Min.: HK$100 With Exemption on HSBC Group Member Travellers Cheques
Charge
Account Holder RMB Free Other Currencies > HK$3,000 equivalent Free HK$3,000 equivalent HK$50 Per Transaction Non-Account Holder All currencies at any amount HK$50 Per Transaction
Remarks
Waived for Prestige(1) / Preferred(2) / Green(2) Banking Customers
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
USD Other currencies (Min.: HK$60 per transaction) Waived 0.25% of deposit amount (Min.: HK$60 per transaction) Handling charge per cheque Plus: Foreign bank charges and Interest Handling charge per cheque Plus: Postage for registered airmail Foreign bank charges
0.25% 0.375%
HK$150
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
HK$200
USD $50/$100 Notes USD $10/$20 Notes Other currencies Other currencies
0.25% of deposit amount 0.375% of deposit amount 0.375% of deposit amount 0.25% of withdrawal amount
PPL489-R22 (10/2010) (LT) v.2
Fee waiver is for the Prestige Banking Customers. Fee waiver is for the Preferred Banking and Green Banking Customers. 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.
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Trade - Related Services Brokerage Fee (Applicable to all Securities trading channels) Exchange Listed Notes and Bonds Transaction Levy (collected by SFC) 0.25% of transaction amount HK$100 ---
HK$100 -------
---------
Trading Fee 0.005% of transaction amount (collected by HKEx) Stamp Duty (collected by HKSAR Government) HK$1 for every HK$1,000 of transaction amount or part thereof
N.A.
N.A.
Deposit Charge for HK$5/lot Purchase Orders (3) Prestige Banking: HK$2.5/lot waived if securities are sold before settlement Application of Newly-listed Securities/Notes Subscribe under Hang Seng Nominee Subscribe in client's own name with endorsement of the Bank
(1)
HK$30
HK$188
---
---
---
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N.A.
N.A.
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (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/or nominee 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 Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
PPL489-R22 (10/2010) (LT) v.2
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Others
Scrip Handling & Settlement-Related Services Physical scrip deposit - Deposit Fee - Transfer deed stamp duty (collected by HKSAR Government) HK$30/securities/ transaction HK$5 for each transfer deed ---------
Physical scrip withdrawal - Withdrawal Fee HK$3.5/lot Through Central Clearing and Settlement System (CCASS) - Deposit Fee Free --HK$30 ----N.A. N.A. HK$30 ---
a) 0.125% of transfer value (both parties HK$100 --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 HK$30 --d) Transfer deed stamp duty ----(collected by HKSAR Government): HK$5 for each transfer deed e) Physical Scrip Deposit Fee: ----HK$30/securities/ transaction
Non - Central Clearing and Settlement System (Non - CCASS) Transfer Transfer in / out Fee N.A. with other custodian 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)
(1) (2) (3)
---
N.A.
HK$20/month Prestige Banking: HK$15/month no custody fee will be applied to account with no holdings and transactions during that month
---
Free
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc. 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/or nominee 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 Bank Limited reserves the right to revise any charges, special offers and other services from time to time. This page has been revised since 2 October 2009
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Nominee Services and Corporate Actions - Collection of 0.5% on amount collected Dividends/ 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) HK$30/transaction HK$30 HK$2,000 Free Free
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N.A.
N.A.
Maturity Redemption 0.2% of redemption amount of Exchange Listed Notes and Bonds Other Services Unclaimed Benefit Entitlement - Dividend - Bonus Issue Certificate of Account Balance HK$150/transaction plus relevant CCASS charges plus 0.5% on amount collected HK$30 per distribution
---
HK$300
Free
--HK$30 ---
Re-issuance of HK$100 per copy Transaction Advice Photocopying of: - Statement (per cycle)
(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 basis specified. (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/or nominee 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 Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
PPL489-R22 (10/2010) (LT) v.2
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(1) (2)
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
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Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds) FREE Real-time Quote: Real-time Quote HK$10 --N.A. N.A. 500 quotes per month for Preferred Service Plan Banking / General Customers. (via Hang Seng 1,000 quotes per month for Prestige Personal Banking Customers. e-Banking Additional FREE Real-time Quote: Services) Preferred Banking Customers who have holdings in their securities account can enjoy additional 250 quotes in that month. Prestige Banking / Preferred Banking / General Customers: Additional 200 quotes for the respective month for every successful buy / sell transaction or every HK$50,000 of accumulated turnover (whichever number of free real-time quotes enjoyed is higher). Additional free real-time quote earned from successful transactions may be carried forward to the next month and is determined in accordance with the following: (A): The balance of total additional free real-time quotes earned from successful buy/sell transactions during the month LESS the total additional free real-time quotes earned from successful buy/sell transactions in the first 24 calendar days of the month; or (B): The number of unused free realtime quotes of the month. Compare (A) with (B), the lower of the two can be carried forward to the next month; the additional free realtime quotes that are carried forward can only be used in the immediately following month and will be cancelled automatically if such free real-time quotes are not used in that month. (Calculation on the No. of free realtime quotes that can be carried forward to the next month, please refer to case 3 & 4) HK$0.05 per quote per month for usage on top of the total free quotes offered above.
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds) Real-time Snapshot HK$200 / month This service plan is suitable for high Service Plan usage investors. (via Hang Seng Full fee will be collected from the Personal settlement account of the designated e-Banking Services) securities account even if no real-time quotes are used in the month. The subscription/cancellation instruction will be effective in the next calendar month after the application. ----N.A. N.A.
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: Total Free Real-time Quotes of the Month: Real-time Quotes Used of the Month: No. of Unused Free Real-time Quotes of the Month: 500 500 + 800 = 1,300 1,000 300 (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):
PPL489-R22 (10/2010) (LT) v.2
(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
(1) (2)
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
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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 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. 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) (2)
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
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(1) (2)
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
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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/or nominee 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 Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
(1)
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Cross Border Transfer Fee for Receipt/ Delivery of Foreign Securities Warrant Conversion, Voluntary Takeover, Tender Offer & Open Offer Deposit Charge for Purchase Orders Collection of Dividends/Interest US/UK/Japan Collection of Dividends/Interest
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HK$30 HK$60
HK$2,000 HK$2,500
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 -----
Except listed charges, all other charges are the same as those for local securities. US Depository Trust Company 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/or nominee 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.
(1) (2)
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Charges RMB50 0.25%p.a. on account balance (3) Charges 0.5% on amount collected (Min. RMB30; Max. RMB2,000) RMB30 per time
(Monthly)
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. The Account Service Fee/Custody Fee will be charged at every month-end starting from the month following the account opening date. 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/or nominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.
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Other Funds
Switching Handling Fee (2) Via Branch/Phone Banking: Nil (applicable to switching 1%; within same fund house) Via Hang Seng Personal e-Banking: 0.5% Management Fee (p.a.) Hang Seng Investment Series: Up to 1.5% Hang Seng Islamic Investment Series: Up to 1%
Via Branch/Phone Banking: 1%; Via Hang Seng Personal e-Banking: 0.5%
Hang Seng Investment Up to 2.75% Series: Up to 1.5% Hang Seng Islamic Investment Series: Up to 1% Up to 1% 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. Depending on individual fund house Up to 0.5% (applicable to selected funds only and reflected in the bid price)
Investment Fund Account Annual Fee Issue Certificate of Investment Funds Account Balance Re-print Contract Note / Confirmation for transaction(s) Re-print Investment Funds Account Monthly Statement
(1) (2)
HK$50 semi-annually (Waived for Integrated Account holders) HK$100 per certificate
Up to 2% subscription fee discount for Prestige Banking customers. 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 currently waived 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 switching of 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 fund manager 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 Seng Investment 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 the investments 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 the fund 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 Hang Seng 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 Class B 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. Please contect the Banks staff for details of the fees before redemption of Class B Units.
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HK$540 per Card HK$240 per Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card HK$50 per Card CNY800 CNY400 CNY540 CNY270 CNY240 CNY120
- US$70 - US$35
alpha 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.
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
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HK$100 per card account for lost card replacement change of photo or signature (subject to the Clubs approval) US$13 per card account HK$20 per card account
USD Visa Gold Card Club Marina Cove Membership Credit Card / enJoy Private Label Card e-shopping MasterCard enJoy Spending Card / alpha card
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. 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.
World MasterCard / The Hong Kong Jockey Club Membership Card (MasterCard / Private Label Card) / Club Marina Cove Membership Credit Card / enJoy Private Label Card
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An overlimit fee of CNY180 per month will be charged if the outstanding balance exceeds the prescribed credit limit. An overlimit fee of HK$100 per month will be charged if the outstanding balance exceeds the prescribed credit limit by more than 10%.
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
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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 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% / 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). HK$100/US$13 per item
Original - HK$80/US$12 per copy Copy - HK$30/US$4 per copy Free for statement issued within 3 months HK$50/US$7 per page for statement issued beyond 3 months HK$200 (local copy)/US$50 (foreign copy)
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.
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Credit Balance Refund by Cashiers Order Handling Fee for payment Over the Counter at Branch(2)
Postage fee required for mailing to the relevant local/foreign institutions is included. 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.
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HK$240 per Card HK$100 per card account 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. An overlimit fee of HK$150 per month will be charged if the outstanding balance exceeds the prescribed credit limit by more than 5%. 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. HK$100 per year (per each Commercial Card)
Overlimit Fee
Administration Fee for Printing of Company Logo on Card Face Service(1) Foreign Currency Transaction Conversion Fee
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). HK$100 per item
(1)
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Free for statement issued within 3 months HK$50 per page for statement issued beyond 3 months HK$200 (local copy) / US$50 (foreign copy) 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. HK$35 per cashiers order
Postage fee required for mailing to the relevant local / foreign institutions is included.
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E. Lending Services
Secured Loans Secured Overdraft Facility
Item Monthly Handling Fee
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Front End Fee - new purchase of residential mortgage - non-residential mortgage - rental property - further charge
Vehicle Loans
Service Assignment (Change of Hirer) / Change of Agreement Term Transfer or Retain Vehicle Registration Mark Vehicle Replacement Loan Handling Fee (Except Taxi and PLB Loan)
(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.
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Re-issuance of Repayment Schedule Re-issuance of Interest Rate Change Advice Lease Consent Letter on Charged Property Change of Repayment Schedule on Mortgage Loan* Credit Information Custody of Non-discharged Deeds after Full repayment Issuance of Redemption Statement for Existing Account Autopay Returned Due to Insufficient Funds Using Debit Note for Repayment Late Charge* (Including handling fee for autopay returned due to insufficient fund) (This charge will be effective on 1 February 2010)
* Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.
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Late Charge
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Late Charge
Overlimit Fee
Returned Cheque Handling Fee Statement Copy Retrieval Fee Credit Reference Letter Fee (1) Payment by Foreign Cheque / Cashiers Order
(1)
Postage fee required for mailing to the relevant local / foreign institutions is included
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Charges(1)
(1) (2)
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 to Integrated Account holders aged under 21 except Integrated Account holders of Prestige Banking and Preferred Banking. The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.
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Waived HK$30 HK$50 Waived Waived Waived Waived Waived Waived Waived Waived Waived HK$1 per sachet Waived First-year waived
Waived -
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 < 5%: 0.5% discount)
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
500 per month 1% discount for all funds in the Hang Seng Investment Series (Funds with subscription fee 5%: 1% discount) 2% subscription fee
Advanced Switching Service with Preferential Subscription Fee for New Funds (9)
2% subscription fee
Lending Services Unsecured Overdraft Facility Annual Fee Handy Cash Personal Instalment Loan Handling Fee Personal Revolving Loan Annual Fee
Perpetually Waived First-year waived (12) First-year waived (12) First-year waived (12) 50% discount (12) First 2 years First 2 years First 2 years First 2 years waived (12) waived (12) waived (12) waived (12)
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Credit Card Services Pre-approved (10) Prestige Banking Platinum Card Perpetually Waived (11) + 3 supplementary cards Annual Fee Perpetually Waived (11) Pre-approved (10) Gold Card Annual Fee Classic Card Annual Fee Perpetually Waived (11) Perpetually Waived (11) Perpetually Waived (11) Renminbi Credit Card Annual Fee
Each customer can enjoy each complimentary banking service of a maximum of 10 times per month. No privilege will be given to the issuance of Cashiers Order for the purpose of IPO subscription. (3) Privileges are not applicable to other non-Prestige Banking / Preferred Banking / Green Banking Integrated Account(s) under the name of the same customer. (4) Each customer can enjoy Outward Telegraphic Transfer service charge waiver for up to 10 times during the promotion period. Offer is only applicable to a remittance to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch via Personal e-Banking. For remittances in non-domicile currencies conducted via Hang Seng branches to a beneficiary account maintained with any bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau, the relevant handling fee will be waived and only the cable charge of HK$200 will be levied. (5) 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. (6) Number of boxes is limited and the offer is subject to the availability of safe deposit boxes at each branch. Customers are required to pay the key deposit in full and full fee for the annual rental after the rental fee waiver period. During the valid period of the offer, customers who apply to rent more than one safe deposit box A will be entitled to enjoy the full or half waiver as appropriate on fees for each box. Customers must pay a handling fee of HK$100 for cancellation of each safe deposit box within the rental fee wavier period. (7) Prestige Banking Customers can enjoy 1,000 free quotes. Preferred Banking Customers can basically enjoy 500 free real-time quotes per month, and will enjoy extra 250 free quotes if there are holdings in their securities sub-account in that month. (8) Investment Fund subscription fee discount offer does not apply to funds with subscription fee below 5% (except funds managed by Hang Seng Investment Management Limited), fund units with no subscription fees (e.g. Class B Units), money market funds, capital guaranteed funds, fund subscriptions pursuant to a Monthly Investment Plan for Funds, via the Advanced Switching Service or Capital Guaranteed Fund Advance Reinvestment Service, or other funds/ fund transactions as specified by the Bank from time to time. This offer cannot be used in conjunction with other investment fund subscription fee offer(s) of the Bank. (9) Advanced Switching Service (the Service) is provided by Hang Seng Bank Limited (the Bank) and enables customers to use the advance made by the Bank to apply for subscription of units in another fund (the New Fund) before redemption proceeds from the original fund are deposited into their accounts, regardless of whether the fund to be subscribed for and the fund to be redeemed are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amount made by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and to pay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to Prestige Banking, Preferred Banking and Integrated Account customers who make a subscription for a fund with a subscription amount of HK$100,000 (or other amount as specified by the Bank from time to time) or more in one single transaction. The Service does not apply to funds with a dealing frequency that is not daily, hedge funds, capital guaranteed funds, Class B Units or other funds as specified by the Bank from time to time. Funds in respect of which the Service is available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions for the Service before applying for the Service. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website of the Bank. (10) The pre-approval offer is subject to the Banks final decision and the Bank reserves the right to revoke this pre- approved offer at its discretion. (11) The annual fee waiver is only applicable to one Hang Seng Credit Card (except Prestige customers holding Renminbi Credit Card) and limited to existing designated Integrated Account holders. (12) Applicable to new lending customers only.
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