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Banking ServicesFees 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 January 2015)
The information in this guide is for customer’s reference with regard to the charges for various services offered by Hang Seng Bank Limited (the “Bank”). The Bank reserves the rightto 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 thisguide, please contact our branches for details.
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A. Deposit Services
Service
Cheque Book(s)delivery by Courier Service (1)
Cheque Mark Good- sent by customer- sent by Bank
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$70 per cheque (RMB 50**)RMB 200 per cheque***
Stop Cheque Payment Instruction HK$100 per cheque
HK$60 per chequeHK$200 per cheque
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
This page has been revised since 1 July 2014.- 1 -
** Only applicable to RMB Current Account.*** Only applicable to holders of Hong Kong Identity Card who conduct RMB cheque payment for the acquisition of customer goods and / or services within the Guangdong Province
(including Shenzhen) in the Mainland China. Issuing RMB cheque for payment for the acquisition of consumer goods and / or services within the Guangdong Province (includingShenzhen) in the Mainland China is not applicable to personal customers who are a non-Hong Kong Identity Card holder.
(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) It is not applicable to personal customers.(3) Excludes Integrated Account and FlexiForex / ProForex / FlexiGold / ProGold Trading Account and Hang Seng FX and Precious Metal Margin Trading Services / Hang Seng
Advanced FX and Precious Metal Margin Trading Services Account.(4) Applicable to all Foreign Currency Account.
Low Balance Inactive Hong Kong Dollar Savings/CurrentAccount- inactive for two years and balance below
HK$2,000
Inactive Account Service Charges(2)(3)
Service ChargeFor over 2 years
HK$100 semi-annually
Low Balance Foreign Currency Savings and Foreign CurrencyDeposit/Current Account- inactive for two years and balance below
For over 2 years(4)
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 20GBP 20EUR 20CAD 20CHF 20AUD 20NZD 20ZAR 60THB 1,000JPY 2,000
Service charges shall not be applicable if deposit in any one of thesecurrencies is above the stipulated deposit level of the respective currencyunder 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
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A. Deposit Services (cont’d)
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 accountCurrent/Integrated Account HK$200 per account
Account Balance (HK$)
HK Dollar Savings Deposit Rates
Deposit RateHK$5,000 or above 0.01%
Below HK$5,000 0%
This page has been revised since 2 April 2011- 2 -
Account Balance (US$)US$1,000 and above
US Dollar Savings Deposit Rates
Deposit Rate0.001%
Below US$1,000 0%
Account Balance (RMB)RMB 5,000 and above
RMB Dollar Savings Deposit Rates
Deposit Rate0.25%
Below RMB 5,000 0%
Foreign Currency Savings Account with balance belowUSDEURCHFNZDTHB
Account Balance
Low Balance Foreign Currency Savings Deposit Rates
Deposit Rate
0%200500500
2,00030,000
GBPCADAUDZARJPY
1,000200500500
10,000
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A. Deposit Services (cont’d)
Service
Others
ChargeReplacement of Hang Seng Card(1)(8) /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
Local Interbank Transfer Services- outward
e-Transfer (via Electronic Clearing System - ECG)via Personal e-Banking / Business e-Banking:
Express Transfer (via Clearing House Automated TransferSystem - CHATS) via Personal e-Banking / Businesse-Banking / Hang Seng HSBCnet #:
Via other channels:
- inward (6)
# Channels subscribed by customers
Report Loss of Passbook(1)(8) / Chop(1) HK$100 per account
Gift Cheque(1)(2)(3) HK$10 per cheque
Cashier’s Order- issuance(4)(7)
- report loss
- re-purchased(2)
Account Holder HK$50 per chequeNon-Account Holder(7) HK$100 per cheque
HK$60 per cheque(Plus: HK$300 payable to Clearing House of HKAB)Handling charge HK$50 per cheque
HK$35 per item
HK$55 per item
HK$190 per item (5) (An extra charge of HK$100 will be levied for instructioncontaining Chinese characters)
HK$15 per item (5)
Reference Letter HK$300 per letter(HK$20 for each additional letter if several letters are issued at onetime)
Certificate of Account Balance HK$100 per certificate(HK$100 for each additional account)
Banker’s Endorsement on Customer’s Signature HK$150 per item
(1) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above.(2) Fee waiver is for the Prestige Banking Customers.(3) Preferred Banking and Green Banking Customers can enjoy a privileged service charge of HK$5.(4) Prestige Banking Customers can enjoy a privileged service charge of HK$25, and fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above. No privilege
or fee waiver will be given to the issuance of Cashier’s Order for the purpose of IPO subscription.(5) or its equivalent in the relevant currency. The exchange rate is determined by Hang Seng Bank Limited from time to time.(6) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(7) RMB Cashier’s Order: This service is not available to non-account holder.(8) Exemptions apply to customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documents required) and persons who present a proof of
disability document (e.g. document of receiving government disability allowance).
Cheque send to Guangdong and / or Shenzhen for cheque clearingCurrency of ChequeHK$US$
GD SZHK$50 HK$50N.A. HK$100
HKD Macau Cheque Encashment HK$60 per transaction plus0.25% on deposit amount(Min.: HK$160 per transaction)
This page has been revised since 1 July 2013.- 3 -
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A. Deposit Services (cont’d)
Service
Others
ChargeCompany Search Fee- local company- overseas company
- FATF Member Countries (1)
- Non-FATF Member Countries (1)
HK$150 per account
HK$2,000 per accountHK$8,000 per account
Bank Confirmation for Audit Purpose HK$200 per account balance(Max.: HK$1,200 ; Min.: HK$400)Additional copies: HK$100 per copy
Account History Record of Savings or TimeDeposit Accounts- for 1/2/3 year(s)- for more than 3 years
HK$250/HK$750/HK$1,000 per accountHK$1,000 per year thereafter
Photocopying of:- statement (per cycle)
(No service charge for applying a copy of the consolidationstatement listing the unposted items of passbook account.)
- 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(2) HK$2 per sachet
Standing Instruction:- set up / amendment(3)(4)
- returned due to insufficient funds
HK$70 per item - transfer to Hang Seng BankHK$100 per item - transfer to other banksHK$150 per item
Set Up Direct Debit Authorisation (5) Transfer to Hang Seng Bank NilTransfer to other banks HK$30 per item(Transfers to HKSAR Government, Public Utilities, Educational, CharitableInstitutions and The Hong Kong Jockey Club are exempted)
Handling Letter of Instruction for Fund Transfer HK$150 per transfer
Autopay 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
FreeHK$1 per additional cheque(6)
Bulk Cash Deposit per customer per day (Applicable to allcurrencies)- Up to 500 pieces of notes- Over 500 pieces of notes
Free0.25% on deposit amount (min. HK$50)
Bulk Coins Deposit per customer per day- Up to 500 coins- Over 500 coins
Free2% on deposit amount (min. HK$50)
This page has been revised since 1 May 2014.- 4 -
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A. Deposit Services (cont’d)
Transaction Charges The Bank reserves the right to levy a charge on transactionsconducted
Service
Others
Charge
* Interest is calculated daily and charged monthly at the Bank’s prevailing interest rate. For Integrated Account of Prestige Banking and Integrated Account of Preferred Banking,the Unauthorised Overdraft interest rate is Prime Rate + 6% (p.a.). For Integrated Account of Green Banking, Integrated Account, all Current Accounts and Business IntegratedAccount, such interest rate is Prime Rate + 8% (p.a.). This interest charge is applicable to all current accounts and saving accounts with unauthorised overdraft balance.
(1) For member list of Financial Action Task Force (FATF), please refer FATF organization website for details.(2) Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet.(3) Standing Instruction set up fee waiver is for the Integrated Account of Prestige Banking, Preferred Banking and Green Banking and is not applicable to other account(s) under the
name of the same customer. Standing Instruction amendment fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under thename of the same customer.
(4) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above.(5) Fee waiver is for Integrated Account of Prestige Banking, Preferred Banking, Green Banking and Integrated Account and is not applicable to other account(s) under the name of the
same customer. If there is no transaction recorded under this direct debit authorization for more than two years, the Bank may cancel this direct debit authorization without givingany notice.
(6) Waived if all cheques are deposited into the same account as one single transaction.(7) 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 dayof the following month.
(8) Exemptions apply to senior citizens (aged 65 or above), customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documents required),persons who present a proof of disability document (e.g. document of receiving government disability allowance), or 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, investmentfunds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction. Forcustomers who have other special needs and request for the service fee exemption, please contact branch staff.
(9) Exemptions apply to senior citizens (aged 65 or above), customers aged below 21, recipients of Comprehensive Social Security Assistance (supporting documents required),persons who present a proof of disability document (e.g. document of receiving government disability allowance), or 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, investmentfunds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction.
(10) 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 costincurred 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 therequest upon receiving the requestor’s acceptance.
(11) 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 whenconducting certain banking transactions, e.g. the counter transaction fee for ATM Savings Accounts, etc. The above mentioned service charge is applicable to Personal Customersonly and the Bank reserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually oftheir monthly quota of free counter transactions by mail.
(12) Overdue handling fee of HK$50 will be levied if the customer pays the safe deposit box rental fee later than 2 months from the due date.
ATM Savings Account Counter Service Fee- transfer / cash withdrawal(7)(8)
Below Balance Service Fee(9)
- HKD Passbook / Statement Savings Account
- ATM Passbook / ATM Statement Savings Account
HK$20 per transaction
HK$50 per month if average daily balance of account belowHK$5,000Not subject to Below Balance Service Fee
Personal data access request Circumstantial( maximum HK$500 per request) (10)
HKD account transactions conducted through branches per customerper calendar month (11)
50 transactions or below FreeAbove 50 transactions HK$30 per transaction
Late payment for safe deposit box rental fee (12) HK$50
Unauthorised Overdraft HK$120 per item plus interest* on overdrawn balance
This page has been revised since 1 July 2014.- 5 -
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A. Deposit Services (cont’d)
Others
HSBC ATM Network(1)
International ATMSignages
Location Banking Services
- Asian Countries(Brunei, China [excluding Hong Kong SpecialAdministrative 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, balanceenquiry, funds transfer(2)
and statement / chequebook request
Cash withdrawalCash withdrawal andbalance enquiryCash withdrawal andbalance enquiry
HandlingFee for
Each CashWithdrawal
(1) ATM Chip cards cannot be used at designated HSBC ATMs including Mexico, Argentina, Brazil, Panama, New Zealand, France, Malta, Greece and Turkey.(2) You can only transfer money between accounts on the same card at ATMs in Macau.Note:• Cash withdrawals at overseas ATM will be paid in local currencies and subject to the maximum daily withdrawal limit of HK$30,000 for Prestige Banking and Preferred Banking,
and HK$20,000 for other accounts. You must activate the overseas ATM daily cash withdrawal limit in advance for overseas ATM cash withdrawal.• Due to the different dispensing limits of ATMs at different location, you may have to perform more than one transaction in order to obtain the amount of cash you require.• There is no currency conversion fee charged by network provider for local currency withdrawal at HSBC and UnionPay ATM.• If customer withdraws cash at ATM overseas, network provider will debit HKD equivalent amount from your HKD account at exchange rate provided by the ATM network on the
date of withdrawal. And a service charge of HK $20 (HSBC ATM network) or HK $15 (UnionPay ATM network) will be debited for each ATM withdrawal.• Please visit www.unionpayintl.com for the reference of exchange rate at UnionPay ATM.• Please note some overseas ATMs only allow cash withdrawal from the account shown on your card face, please ensure there is sufficient balance in that account before departure.
- 6 -
UnionPay ATM Network
- Worldwidethe China Region (includes Hong Kong, Macauand Mainland China), Japan, Singapore, Korea,Thailand, Vietnam, the Philippines, UnitedStates, Germany, Spain, Luxembourg, Belgium,France, Turkey, Switzerland, Australia, Italy andRussia etc.
HK$15 Cash withdrawal andbalance enquiry in mostcountries / regions
This page has been revised since 1 January 2015.
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Handling charge HK$100
Handling charge HK$300Cable charge HK$100 Plus:Foreign bank charges
Handling charge HK$100
Handling charge HK$100
An additional commission of0.25% on HKD demand draftissuance (maximum: HK$1,000;minimum: HK$120)
Demand Draft- issuance (5)
- stop-payment
- re-purchased
- amendment
Plus Correspondent Bank Charges:(a)If charge to beneficiary’s account: subject to correspondent bank charges(b)If charge to applicant’s account:
- For remit to Australia, UK, Canada, USA in domicile currency: HKD130- For remit USD to countries outside USA: USD35- For others: subject to correspondent bank charges
- Amendment / cancellation HK$200(Plus cable charge (if any) HK$100)
- Cable enquiry HK$100(Plus foreign bank charges, min. HK$250 per transaction)
Remit to / Hang Seng e-Banking / Branch /channels Hang Seng HSBCnet other Channels(2)
- Remit to a HK$80(3) HK$190beneficiary account withHang Seng in MainlandChina / Macau
- Remit to a beneficiary HK$110 HK$220account with anotherbank in Hong Kong /Mainland China /Taiwan / Macau
- Remit to a beneficiary HK$110 HK$220account in other (HKD and domicile currency)countries HK$260(4)
(Non-domicile currency)
B. Remittances and Foreign Exchange Services
Telegraphic Transfer- issuance(1)
- other remittanceservices
Service RemarksCharge
An extra charge of HK$150 will belevied for instruction containingChinese(Exempted for HKD remittance toMacau)
An extra charge of HK$40 will belevied on each remittance instructionrequesting same day processingsubmittedvia the Bank’s branches after 12 noonfrom Mondays to Fridays (i.e. businessdays)
- 1 -
Outward Remittances
This page has been revised since 1 November 2014.
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B. Remittances and Foreign Exchange Services (cont’d)
Inward Remittances
Service ChargeCredit to account with Hang Seng Bank(6) Handling charge HK$65
Onward transfer to other local banks(7) Handling charge(7) HK$150-HK$300
(1) Remittance to the Mainland China or other places outside Hong Kong for non-Hong Kong Identity Card holder is subject to local rules and requirements of Mainland China or therelevant jurisdictions. Outward remittance may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned remittance.
(2) other channels include Phone Banking and Remittance by Standing Instruction etc(3) Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal e-Banking to a beneficiary account with Hang Seng Bank
(China) Limited or Macau Branch.(4) Prestige Banking customer enjoys a privileged charge HK$220 for the non-domicile currency remittance conducted via Integrated Account of Prestige Banking through Hang Seng
branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau.(5) Prestige Banking Customers can enjoy a privileged service charge of HK$50.(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.(7) The handling charge for onward transfer to other banks is dependent on the method for the onward transfer, and is exclusive of any charges levied or to be levied by any
correspondence bank and/or beneficiary bank.
This page has been revised since 1 November 2014.- 2 -
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B. Remittances and Foreign Exchange Services (cont’d)
Account HolderRMB FreeOther Currencies > HK$3,000 equivalent Free ≤ HK$3,000 equivalent HK$50 Per Transaction
Foreign Currency Notes Purchase/Sale Waived for Prestige(1) /Preferred(2) / Green(2) BankingCustomersOverseas Foreign
Foreign Currency Notes/Cheques Exchange
ChargeService Remarks
(1) Fee waiver is for the Prestige Banking Customers.(2) Fee waiver is for the Preferred Banking and Green Banking Customers.
USD 0.25%Other currencies 0.375%(Min.: HK$60 per transaction)
Waived0.25% of deposit amount(Min.: HK$60 per transaction)
Handling chargeper cheque HK$150Plus:Foreign bank charges and Interest
Handling chargeper cheque HK$200Plus:Postage for registered airmailForeign bank charges
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
Interest shall be calculated atthe prevailing bills advance rateof the related currency from thedate of purchase
Charges shall be collectedirrespective of non-validpayment of the cheques
No Fees up to (per account per day):Prestige Other
Customers CustomersAUD 1,500 1,500CAD 1,500 1,500CHF 1,000 500EUR 1,500 1,000GBP 1,500 1,000JPY 300,000 150,000NZD 2,000 2,000THB 20,000 10,000USD 7,500 1,500ZAR 1,000 500
Foreign Currency Notes- deposit into /withdraw from
T/T account
If the single-day totaldeposits/ withdrawalsexceeds these amount,handling fee will apply asfollows:Notes deposits/withdrawals: 0.25% of thetotal amount that day
Handling fee waived for RMBnotes deposit/withdrawal
This page has been revised since 1 March 2014.- 3 -
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C. Securities and Investment Funds ServicesLocal Securities (1)
SEHK Listed Securities
Trade - Related (3)
CD/Other
Structured
Products (2)Items Services Charges Min Max
RMB
Bond
Non-Listed
Other
Bonds
---Hang Seng Personal e-Banking / Automated SecuritiesTrading Hotline:• 0.25% for any transaction amount
HK$100Brokerage Fee forSEHK Listed Securities
N.A. N.A.
0.2% of transaction amount HK$100 ---
0.0027% of transaction amount --- ---
0.005% of transaction amount --- ---
HK$1 for every HK$1,000 of transaction amount or partthereof
--- ---
Prestige Banking customers: HK$2.5/lotOther customers: HK$5/lotCharge will be waived if securities are sold beforesettlement
HK$30 HK$188
Based on daily net increase of customer’s beneficialholding of the same share at account level on eachsettlement day x weighted average purchase price x 0.2%
--- ---
Brokerage Fee for SEHKListed Notes / Bonds
Transaction Levy(collected by SFC)
Trading Fee (collected byHKEx)
Stamp Duty (collected byHKSAR Government)
Deposit Charge forPurchase Orders (5)
Italian FinancialTransaction Tax (“FTT”) (6)
(collected by ItalianInland Revenue Office)
---Manned Securities Trading Hotlines (4) / Branches:• 0.3% for transaction amount below HK$100,000• 0.25% for transaction amount equal to or above
HK$100,000
HK$100
This page has been revised since 1 November 2014.- 1 -
(1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securitieseach 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) For details of services charges of the ETF settled in US currency - ABF PAN ASIA BOND INDEX FUND (Stock Code: 02821), please refer to services charges for Hong Kong listed
securities / ETF settled in US currency.(4) Not applicable to the securities orders placed via Relationship Mangers of Corporate Wealth Management Services.(5) Not applicable to iBond.(6) Customers who trade shares issued by Italian resident companies which listed on The Stock Exchange of Hong Kong Limited via our Bank are required to pay for the Italian FTT.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
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C. Securities and Investment Funds Services (cont’d)Local Securities (1)
Scrip Handling & Settlement-Related
Physical scrip deposit
- Deposit Fee HK$30/securities/ transaction
- Transfer deedstamp duty(collected by HKSARGovernment)
HK$5 for each transfer deed
- Withdrawal Fee
- Withdrawal Fee HK$7.5/lot
Items Services Charges
SEHK Listed Securities
Physical Scrip Withdrawal
HK$7.5/lot
Through Central Clearing and Settlement System (CCASS)
- Deposit Fee Free
Transfer in / Out Fee withOther Custodian
N.A.
N.A.
--- ---
--- ---
HK$50 ---
HK$50 ---
N.A.
CD/OtherStructured
Products(2)Min Max
--- ---
--- --- HK$500 perinstruction
N.A.
RMB
Bond
Non-Listed
Non - Central Clearing and Settlement System (Non - CCASS) Transfer
Other
Bonds
Nominee Services and Corporate Actions
HK$30 HK$2,000 Free- Collection of Dividends/Interest (3)
- Scrip Dividends- Cash Offer- Privatisation
(Receipt of Cash)- Conversion of Warrants
(Cash Settled)
Free0.5% on amount collected
(1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securitieseach 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) Not applicable to iBond.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
This page has been revised since 1 July 2014.- 2 -
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Local Securities (1)
Nominee Services and Corporate Actions
CD/Other
Structured
Products (2)Items Min Max
RMB
Bond
Non-Listed
Other
Bonds
(1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securitieseach 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) Not applicable to iBond.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
Services Charges
SEHK Listed Securities
C. Securities and Investment Funds Services (cont’d)
This page has been revised since 1 January 2013.- 3 -
--- --- N.A. N.A.- Receipt of Bonus Issues- Shares Consolidation/
Splitting- Right Issues/
Open Offer- Conversion of
Warrants/ Privatisation (Receipt of Securities)
--- HK$300Maturity Redemption ofSEHK Listed Notes andBonds (3)
Free
HK$50/transaction
0.2% of redemption amount
Other Services
HK$30 HK$2,000
N.A.Unclaimed BenefitEntitlement
HK$150/transaction plus relevant CCASS charges plus
--- --- N.A.Dual Tranche, Dual CounterTransfer (From HKD-TradedShares / ETF to RMB-TradedShares / ETF)
HK$30 per transaction for each securities / ETF
Certificate of AccountBalance
HK$100 per certificate (HK$100 for each additional account)
N.A.
Re-issuance ofTransaction Advice
Photocopying ofStatement (per cycle)
HK$100 per copy
HK$50 per cycle
a) Dividend 0.5% on amount collected
b) Bonus Issue: HK$50 per distribution ---
N.A.
---
Application of Newly-listed Securities/Notes
• Subscribe under Hang Seng Nominee: HK$100 per application• Subscribe in client’s own name with endorsement of the Bank:
HK$50 per application
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C. Securities and Investment Funds Services (cont’d)Local Securities (1)
a) 0.125% of transfer value (both parties are required to pay)
Other Services
Transfer of Entitlement(from one customer toanother)
Custody Fee Prestige Banking customers: HK$15/monthOther customers: HK$25/month
Items Services Charges
SEHK Listed Securities
N.A.
HK$100 ---
N.A.
CD/OtherStructured
Products(2)Min Max
RMB
Bond
Non-Listed
(1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securitieseach 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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
Other
Bonds
This page has been revised since 1 April 2013.- 4 -
b) Stamp Duty (collected by HKSAR Government): HK$1for every HK$1,000 of transaction amount or partthereof (both parties are required to pay)
c) Withdrawal Fee: HK$7.5/lot
d) Transfer deed stamp duty(collected by HKSAR Government): HK$5 for eachtransfer deed
e) Physical Scrip Deposit Fee:HK$30/securities/ transaction
---
HK$50
---
---
---
---
---
---
Items Services Charges Remarks
• Custody fee is charged on each securitiesaccount basis
• No custody fee will be charged to account ifthere are no holdings and transaction duringthat month
• Custody fee will be waived if the account onlyholds non-listed RMB bonds / iBond / CD /other structured products / MOF Bond
Charges For Account Maintenance
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Items Services Charges Min Max
(A) Trade-Related
RMB Bond
(Non-Listed)
Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF
N.A.Transaction Levy(1)
(collected by Securities andFutures Commission (SFC)) 0.0027% of transaction amount --- ---
Trading Fee(1) (collected byHKEx)
0.005% of transaction amount --- ---
Stamp Duty(1)
(collected by HKSAR Government) 0.1% of transaction amount --- ---
Deposit Charge for PurchaseOrders
RMB5/lot (not applicable to MOF bond2, charges will be waived if securities aresold before settlement)
RMB25 RMB160
Brokerage Fee(3) Hang Seng Personal e-Banking / Automated Securities Trading Hotline:• 0.25% of transaction amount(For MOF bond(2): 0.2% of transaction amount)
RMB85 ---
Manned Securities Trading Hotlines(4) /Branches:• 0.3% for transaction amount below RMB100,000• 0.25% for transaction amount equal to or above RMB100,000(For MOF bond(2): 0.2% of transaction amount)
RMB85 ---
Note1. Please note that the Bank will debit the transaction levy, trading fee and stamp duty for Hong Kong listed Renminbi (“RMB”) denominated securities from customers in RMB based on
the calculation provided in the above table and such fees and charges will be paid to the relevant authorities in HKD based on the exchange rate prescribed by the relevant authorities.If there are insufficient funds in your Renminbi settlement account to settle the related fees and charges, the Bank shall have the right to collect such fees and charges in HKD from anyof your HKD account.
2. Offshore RMB Bond Issued by The Ministry of Finance of the People’s Republic of China.3. Any preferential brokerage or brokerage exemption is not applicable.4. Not applicable to the securities orders placed via Relationship Managers of Corporate Wealth Management Services.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
C. Securities and Investment Funds Services (cont’d)
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Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF
C. Securities and Investment Funds Services (cont’d)
Items Services Charges Min MaxRMB Bond
(Non-Listed)
(B) Scrip Handling & Settlement-Related
Physical scrip deposit
- Deposit Fee
HK$5 for each transfer deed --- ---
HK$30/securities/ transaction --- ---
- Transfer deed stamp duty (collected by HKSAR Government)
N.A.Physical scrip withdrawal
- Withdrawal Fee HK$7.5/lot HK$50 ---
Through Central Clearing and Settlement System (CCASS)
- Deposit Fee Free --- ---
- Withdrawal Fee HK$7.5/lot HK$50 ---
Non - Central Clearing and Settlement System (Non - CCASS) Transfer
Transfer in / out Fee with othercustodian N.A. --- ---
HK$500/instruction
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
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C. Securities and Investment Funds Services (cont’d)Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF
Items Services Charges Min MaxRMB Bond
(Non-Listed)
(C) Nominee Services & Corporate Actions
(D) Charges For Account Maintenance
- Collection of Dividends/Interest- Scrip Dividends- Cash Offer- Privatisation (Receipt of Cash)- Conversion of Warrants (Cash Settled)
0.5% on amount collected(not applicable to MOF Bond(1) RMB25 RMB1,700 Free
- Receipt of Bonus Issues- Shares Consolidation/ Splitting- Right Issues/ Open Offer- Conversion of Warrants/ Privatisation (Receipt of Securities) RMB40/transaction --- ---
N.A.
Maturity Redemption ofExchange Listed Notes andBonds
0.2% of redemption amount(not applicable to MOF Bond(1) --- RMB250 Free
Note1. Offshore RMB Bond Issued by The Ministry of Finance of the People’s Republic of China.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
This page has been revised since 1 January 2013.- 7 -
Custody Fee Prestige Banking customers: HK$15/monthOther customers: HK$25/month
Items Services Charges Remarks
• Custody fee is charged on each securitiesaccount basis
• No custody fee will be charged to account ifthere are no holdings and transaction duringthat month
• Custody fee will only be charged once eventhough the securities account hold bothsecurities and bonds during that month
• Custody fee will be waived if the account onlyholds non-listed RMB bonds / iBond / CD /other structured products / MOF Bond
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C. Securities and Investment Funds Services (cont’d)Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF
Items Services Charges Min Max
(E) Other Services
Unclaimed Benefit Entitlement
Subscribe under Hang Seng Nominee: RMB85 per applicationSubscribe in client’s own name with endorsement of the Bank:RMB45 per application
RMB130/transaction plus relevant CCASS charges plus:
a) Dividend: 0.5% on amount collected RMB25
Application of Newly-listedSecurities/Notes
N.A.
RMB1,700
b) Bonus Issue: RMB40 per distribution -- ---
Transfer of Entitlement (fromone customer to another)
a) 0.125% of transfer value (both parties are required to pay) RMB85 ---
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$7.5/lot HK$50 ---
d) Transfer deed stamp duty (collected by HKSAR Government): HK$5 for each transfer deed --- ---
e) Physical Scrip Deposit Fee: HK$30 / securities / transaction ---
RMB Bond(Non-Listed)
MOF Bond(1) Transfer (BetweenCentral Money Market Unit{CMU} and CCASS)
HK$100 / securities or bonds / transaction--- ---
Dual Tranche, Dual CounterTransfer (From RMB-TradedShares / ETF to HKD-TradedShares / ETF)
HK$30 / securities or ETF / transaction--- ---
---
Note1. Offshore RMB Bond Issued by The Ministry of Finance of the People’s Republic of China.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
This page has been revised since 1 April 2013.- 8 -
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C. Securities and Investment Funds Services (cont’d)Stock Connect Northbound Securities (SSE Securities) (1)
Items Services Charges Min Max
Brokerage Fee(2) Hang Seng Personal e-Banking :• 0.25% of transaction amount
RMB85 ---
Manned Securities Trading Hotlines (3)/ Branches:• 0.3% for transaction amount below RMB100,000• 0.25% for transaction amount equal to or above RMB100,000
RMB85 ---
Deposit Charge for Purchase Orders RMB25 per transaction --- ---
Handling Fee (collected by SSE) 0.00696% of transaction amount --- ---
Securities Management Fee (collected by CSRC) 0.002% of transaction amount --- ---
Transfer Fee (collected by ChinaClear) 0.06% on face value --- ---
Stamp Duty (collected by State Administrationof Taxation (SAT))
0.1% of transaction amount (for sale transactions only) --- ---
Dividend Tax (collected by SAT) Applicable to cash dividend and bonus issue and will be collected basedon the tax rate determined by SAT from time to time
--- ---
Capital Gain Tax (collected by SAT) Applicable to share disposal and will be collected based on the tax ratedetermined by SAT from time to time
--- ---
Through Central Clearing and SettlementSystem (CCASS)
• Deposit Fee: Free --- ---
• Withdrawal Fee: 0.008% of market value RMB40 ---
(1) Except listed charges, all other charges are the same as those for Hong Kong listed Renminbi denominated securities.(2) Any preferential brokerage or brokerage exemption is not applicable.(3) Not applicable to the securities orders placed via Relationship Managers of Corporate Wealth Management Services.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
This page has been revised since 17 November 2014.- 9 -
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C. Securities and Investment Funds Services (cont’d)Shenzhen and Shanghai B Shares (1)
Items Services Charges Min Max
Shenzhen
Brokerage Fee 0.8% of transaction amount HK$400 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Transaction Fee HK$300 per transaction --- ---
Transaction Levy 0.0321% of transaction amount --- ---
Stamp Duty 0.1% of transaction amount --- ---(For Sale Transactions Only)
Clearing Fee 0.05% of transaction amount --- HK$500
Handling Charge for Securities Transfer HK$300 per request for each securities --- ---
Deposit Charge for Purchase Orders HK$30 per request --- ---
Conversion Handling Fee for `B’ sharesto `H’ shares HK$100 per request for each securities --- ---
Shanghai
Brokerage Fee 0.8% of transaction amount HK$400 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Transaction Fee HK$300 per transaction --- ---
Transaction Levy 0.028% 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$700 per request for each securities --- ---
Deposit Charge for Purchase Orders HK$30 per request --- ---
Conversion Handling Fee for `B’ sharesto `H’ shares HK$100 per request for each securities --- ---
This page has been revised since 1 July 2013.- 10 -
(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/or nominee servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
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C. Securities and Investment Funds Services (cont’d)Singapore Securities - Jardine Group Stocks only (1 ) (2) (3)
Items Services Charges Min Max
Brokerage Fee 0.5% of transaction amount HK$250 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Handling Charge 0.25% of transaction amount --- ---
Trading Fee (collected by Singapore Exchange) 0.0075% of transaction amount --- ---
Clearing Fee (collected by Singapore Exchange) 0.0325% of transaction amount --- ---
Deposit Charge for Purchase Orders HK$30 HK$2,000
Collection of Dividends 1% on amount collected HK$50 HK$2,500
Withdrawal Fee HK$7.5/lot HK$50 ---
Transfer in / out of Settlement Fee HK$400/ instruction
- 11 - This page has been revised since 1 July 2014.
(1) Except listed charges, all other charges are the same as those for local securities.(2) Transfer in service of Singapore Securities will not be provided to customers who are the citizen of Singapore or have residential / correspondence address in Singapore.(3) Purchase order of Singapore Securities from customers who are the citizen of Singapore or have residential / correspondence address in Singapore will not be accepted.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
Singapore Securities - Hutchison Port Holdings Trust For Sale Transactions only (1 ) (2) (3)
Items Services Charges Min Max
Brokerage Fee 0.5% of transaction amount HK$250 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Handling Charge 0.25% of transaction amount --- ---
Trading Fee (collected by Singapore Exchange) 0.0075% of transaction amount --- ---
Clearing Fee (collected by Singapore Exchange) 0.0325% of transaction amount --- ---
Collection of Dividends 1% on amount collected HK$50 HK$2,500
Withdrawal Fee HK$7.5/lot HK$50 ---
Transfer in / out of Settlement Fee HK$400/ instruction
First 100 lots Prestige Banking customers: HK$5/lotOther customers: HK$10/lot
From 101st lot onwards HK$3.5/lot
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C. Securities and Investment Funds Services (cont’d)Securities Services Charges for Hong Kong Listed Securities / ETF Settled in USCurrency and Hong Kong Listed US Securities and Overseas Securities
Items Services Charges Min Max
Hong Kong Listed Securities / ETF Settled in US Currency(1)
Brokerage Fee 0.5% of transaction amount US$20 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Transaction Levy 0.0027% of transaction amount --- ---(collected by SFC)
Trading Fee 0.005% of transaction amount --- ---(collected by HKEx)
Stamp Duty (collected by HKSAR 0.1% of transaction amount --- ---Government)
Deposit Charge for Purchase Orders US$1/lot US$4 US$25
Hong Kong Listed US Securities(1)
Brokerage Fee 0.5% of transaction amount HK$100 ---(Any preferential brokerage orbrokerage exemption is not applicable)
Transaction Levy 0.0027% of transaction amount --- ---(collected by SFC)
Trading Fee 0.005% of transaction amount --- ---(collected by HKEx)
Withdrawal Fee for Physical Scrips HK$100 handling fee per request plus --- ---HK$600 DTC(2) charges per requestand out-of-pocket expenses
Cross Border Transfer Fee for Receipt/ HK$100 handling fee per request plus --- ---Delivery of Foreign Securities HK$200 DTC(2) charges per request
and out-of-pocket expenses
Warrant Conversion, Voluntary Take-over, HK$100 handling fee per request --- ---Tender Offer & Open Offer 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
Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500
Overseas Securities(3): US/UK/Japan
Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500
Transfer-out HK$50/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 Company.(3) Applicable to customers whose overseas securities accounts were opened on or before 31 March 2006.
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 servicesby the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges are determined by TheGovernment of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves theright to revise any charges, special offers and other services from time to time.
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(A) HK Stocks (including the HK Listed Securities /ETF Settled in US Currency and HK Listed US Securities)
Real-time Quote Service for HK Stocks (via HangSeng Personal e-Banking)
HK$0.05 /quote
Services Charges Remarks
FREE Real-time Quote for HK Stocks per month:• Prestige Banking Customers: 1,000• Preferred Banking Customers: 500• General Customers: 500
Additional FREE Real-time Quote for HK Stocks:• Prestige Banking / Preferred Banking / General Customers:
200 for the respective month for every successful HK stocksbuy / sell transaction or every HKD50,000 of accumulatedturnover (whichever number of free real-time quotes enjoyedis higher).
• Preferred Banking Customers:500 if there are HK stocks holdings in their securities accountin that month.
Additional free real-time quote earned from successful HK stockstransactions may be carried forward to the next month and isdetermined in accordance with the following:• (A) : The balance of total additional free real-time quotes
earned from successful buy/sell transactions during themonth LESS the total additional free real-time quotesearned from successful buy/sell transactions in the first24 calendar days of the month; or
• (B) : The number of unused free real-time quotes of the month;• Compare (A) with (B), the lower of the two can be carried
forward to the next month;• The additional free real-time quotes that are carried forward
can only be used in the immediately following month and willbe cancelled automatically if such free real-time quotes arenot used in that month.
Monthly enjoyable free real-time quote for HK stocks and Ashares can only be used separately.
C. Securities and Investment Funds Services (cont’d)MARKET INFORMATION SERVICES CHARGES
Minimum
HK$10 /month
- 13 - This page has been revised since 17 November 2014.
Real-time Snapshot Service for HK Stocks(via Hang Seng Personal e-Banking)
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 areused in the month.
• The subscription/cancellation instruction will be effective in thenext calendar month after the application.
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(B) Shanghai A Shares
Real-time Quote Service for A Shares (in “StockConnect Trading” page via Hang Seng Personale-Banking)
HK$0.05 /quote
Services Charges Remarks
FREE Real-time Quote for A Shares per month:• Prestige Banking Customers: 1,000• Preferred Banking Customers: 500• General Customers: 500
Additional FREE Real-time Quote for A Shares:• Prestige Banking / Preferred Banking / General Customers:
200 for the respective month for every successful StockConnect Northbound securities (“SSE Securities”) buy / selltransaction or every RMB50,000 of accumulated turnover(whichever number of free real-time quotes enjoyed is higher).
• Preferred Banking Customers:500 if there are SSE Securities holdings in their securitiesaccount in that month.
Additional free real-time quote earned from successful SSESecurities transactions may be carried forward to the next monthand is determined in accordance with the following:• (A) : The balance of total additional free real-time quotes
earned from successful buy/sell transactions during themonth LESS the total additional free real-time quotesearned from successful buy/sell transactions in the first24 calendar days of the month; or
• (B) : The number of unused free real-time quotes of the month;• Compare (A) with (B), the lower of the two can be carried
forward to the next month;• The additional free real-time quotes that are carried forward
can only be used in the immediately following month and willbe cancelled automatically if such free real-time quotes arenot used in that month.
Monthly enjoyable free real-time quote for HK stocks and Ashares can only be used separately.
C. Securities and Investment Funds Services (cont’d)MARKET INFORMATION SERVICES CHARGES
Minimum
HK$10 /month
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C. Securities and Investment Funds Services (cont’d)MARKET INFORMATION SERVICES CHARGES
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Terms & Conditions:1. “Real-time Quote Service for HK Stocks”, “Real-time Snapshot Service for HK Stocks” and “Real-time Quote Service for A Shares (in “Stock Connect
Trading” page)” is for Securities Account holders only.2. “Real-time Quote Service for HK Stocks” is only applicable to the usage of chargeable detailed quotes used in “HK Stocks Trading” page, “HK Stocks Watch
List” page and “Securities Express” via Personal e-Banking. This plan does not involve usage of real-time basic quotes for HK stocks which are provided forfree.
3. “Real-time Quote Service for A Shares (in “Stock Connect Trading” page) is only applicable to the usage of chargeable detailed quotes used in “StockConnect Trading” page via Personal e-Banking. This plan does not involve usage of real-time quotes used in “A Shares Express” which are provided for free.
4. Real-time quote:HK Stocks: According to HKEx, stock quote enquiry on HK stocks trading day which is from market open of each trading session to 15 minutes after
market close of each trading session, will be counted into real-time quotes usage. That is, during normal trading day, stock quotes forExchange-Traded Funds traded under the Pilot Programme between 09:00 and 16:15, and stock quotes for other products traded from 9:00to 12:15 and from 13:00 to 16:15, will be counted as real-time quotes. During half trading day, all stock quotes from 9:00 to 12:15 will becounted as real-time quotes.
A Shares: According to SSE, stock quote enquiry on A shares trading day which is from market open of continuous auction trading session to 15 minutesafter market close of continuous auction trading session, will be counted into real-time quotes usage. That is, stock quotes for A shares from09:30 to 11:45 and from 13:00 to 15:15, will be counted as real-time quotes. (Due to differences in public holidays between Hong Kongand Mainland, customers should note that regardless of Northbound Trading service opens or not, all stock quotes enquiry onA shares trading day which is from market open of continuous auction trading session to 15 minutes after market close of continuousauction trading session, will be counted as real-time quotes.)
5. Each e-Banking customer is only entitled to ONE set of services: (a) “Real-time Quote Service for HK Stocks” and “Real-time Quote Service for A Shares (in“Stock Connect Trading” page)” or (b) “Real-time Snapshot Service for HK Stocks” and “Real-time Quote Service for A Shares (in “Stock Connect Trading”page)”.
6. HK stocks transactions and turnover will be counted by combining the HK stocks trading records of all your Securities Account(s). If the settlementamount is in foreign currency, we will use Bank’s month end exchange rate to convert the settlement amount into HKD equivalent to calculate.
7. SSE Securities transactions and turnover will be counted by combining the SSE Securities trading records of all your Securities Account(s).8. Fees of current month will be charged to your Securities Settlement Account within the 8th – 10th working day 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 Account’s Settlement Account prevails Sole Name Securities Account’s Settlement Account2nd Priority: Settlement Account of Prestige Banking Integrated Account prevails Settlement Account of Preferred Banking Integrated Account; Settlement
Account of Preferred Banking Integrated Account prevails Settlement Account of Integrated Account; Settlement Account of IntegratedAccount prevails HKD Current Settlement Account; HKD Current Settlement Account prevails HKD Savings Settlement Account
3rd Priority: Settlement Account with latest account opening date prevails an earlier Settlement Account9. 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 any of your Hong Kong Dollar
Accounts with the Bank10. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
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C. Securities and Investment Funds Services (cont’d)Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up aswell as down and past performance is not indicative of future performance. Investors should read the relevant fund's offering documents (includingthe full text of the risk factors stated therein) in detail before making any investment decision.
iPower Account – Account Fees and Charges
I. Monthly Account Fee
Notes:(1) The monthly account fee is charged with reference to the daily portfolio value (subject to a minimum fee of HK$100 (save as otherwise specified herein)). It is calculated and
accrues on each calendar day, and payable monthly in arrears. The monthly account fee starts to accrue from the date on which fund holdings are first recorded in the iPowerAccount, but the minimum fee stated above does not apply to that calendar month. Where the daily portfolio value is zero in the whole calendar month. the minimum fee statedabove does not apply to that calendar month (irrespective of whether any fund holdings were recorded in the previous month(s)).
(2) The daily portfolio value is the sum total of the market value of all current fund holdings under the customer’s iPower Account in a calendar day. For fund(s) denominated in non-HKD, the HKD equivalent of the market value is calculated based on the exchange rate as determined by the Bank.
(3) The account fee (in respect of a calendar day) is calculated based on this formula: Daily Portfolio Value x applicable Account Fee Rate.(4) The accrued account fee (in respect of a calendar month) is the sum total of all the daily account fees for the month.(5) Unless otherwise specified, the actual amount of monthly account fee payable shall be the accrued account fee so calculated, or the minimum monthly account fee specified in
note 1 above, whichever is higher.(6) (a) The monthly account fee for the current month will be debited from the HKD savings account under the relevant integrated account on the 8th calendar day of the next month.
If such day is not a business day, the relevant monthly account fee will be debited on the next business day. Please refer to the monthly statement of the relevant integratedaccount for the actual amount of monthly account fee debited.
(6) (b) If the Bank cannot debit the monthly account fee from the HKD savings account under the relevant integrated account for 2 consecutive months, the iPower Account will besuspended until all outstanding account fees and charges have been settled.
(6) (c) The monthly account fee will continue to accrue during the suspension period.(6) (d) Where the monthly account fee is to be debited from a non-HKD account (for whatever reason), the relevant amount (in foreign currency) will be converted into HKD based on
the exchange rate as determined by the Bank.
Daily Portfolio Value
Below HK$200,000
HK$200,000 to less than HK$500,000
HK$500,000 or above
Account Fee Rate (% p.a.)
2.5%
1.75%
1.5%
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C. Securities and Investment Funds Services (cont’d)II. Account Administration Fee
Notes:(1) (a) For transfer-out of fund holdings from the iPower Account to another account (held with the Bank or otherwise), if the period between the date of settlement of the last fund
subscription or switching-in transaction via the iPower Account and the date of the Bank’s receipt of the transfer-out instruction is less than 1 year, an account administrationfee will apply.
(1) (b) An amount equivalent to such fee held in the HKD savings account under the relevant integrated account will be withheld upon the Bank’s receipt of the transfer-out instruction,and will be debited upon successful execution of the transfer-out instruction. For fund(s) denominated in non-HKD, the HKD equivalent of the prevailing market value iscalculated based on the exchange rate as determined by the Bank.
(2) (a) If the period between the date of settlement of the last fund subscription or switching-in transaction via the iPower Account and the Bank’s reference date of account closure(for whatever reason) is less than 1 year, an account administration fee will apply.
(1) (b) Such account administration fee will be charged against the HKD savings account under the relevant integrated account upon successful execution of the account closureinstruction.
(1) (c) Any accrued monthly account fee not yet charged (up to and including the date of account closure, and subject to the minimum monthly account fee specified in note 1 of SectionI above) will be debited from the HKD savings account under the relevant integrated account upon successful execution of the account closure instruction.
Account Administration Fee at transfer-out1 1.5% of the prevailing market value (as at the date of the Bank’s receipt of the transfer-outinstruction) of the fund holdings being transferred out
Account Administration Fee at account closure2 HK$100 x (12 - number of calendar months since settlement of the last fund subscription orswitching-in transaction)(Maximum: HK$500)
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C. Securities and Investment Funds Services (cont’d)iPower Account – Investment Funds Service
Charge Item
Charge
Funds in Hang Seng Investment Series, Hang Seng Mainland InvestmentSeries and Hang Seng Islamic Investment Series
- 18 - This page has been revised since 24 March 2013.
Other Funds
Depends on individual fund
Depends on individual fund
Notes:(1) Customers should note that while they are not required to pay the subscription fee and the switching handling fee, they may be required to pay redemption fees and/or other fees
(if any) charged by the relevant fund house(s) in respect of fund switching. In addition, the Bank charges a monthly account fee and (in certain circumstances) account administrationfee.
(2) This is the maximum rate as stated in the term sheet of the relevant fund in the series.(3) Redemption fee is calculated based on the redemption proceeds of the units being redeemed.
For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund.
Subscription Fee1 Waived
Switching Handling Fee1
(applicable to switchingbetween funds provided bythe same fund house)
Waived
Management Fee (p.a.) Hang Seng Investment Series:Up to 1.5%2
Hang Seng Mainland Investment Series:Up to 1.75%2
Hang Seng Islamic Investment Series:Up to 1%2
Redemption Fee3 Nil
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C. Securities and Investment Funds Services (cont’d)
Investment FundsCharge Item Charge
Funds inHang Seng Investment Series, Other Funds
Hang Seng Mainland Investment Series and Hang Seng Islamic Investment Series
Class A Units Class B Units
Subscription Fee (1) Hang Seng Investment Series: Nil Depends onUp to 4%* individual fundHang Seng Mainland InvestmentSeries: Up to 4%*Hang Seng Islamic InvestmentSeries: Up to 3%*
Switching Handling Fee (2)
(applicable to switchingbetween funds provided by thesame fund house)
1% Nil 1%
Management Fee(p.a.)
Hang Seng InvestmentSeries:Up to 1.5%*Hang Seng Mainland InvestmentSeries: Up to 1.75%*Hang Seng Islamic InvestmentSeries: Up to 1%*
Hang Seng Investment Series:Up to 1.5%*Hang Seng Islamic InvestmentSeries: Up to 1%*
Depends onindividual fund
Administration Fee(p.a.) (3)
Nil Up to 1%*
Issue Certificate of InvestmentFunds Account Balance
HK$100 per certificate
Re-print Contract Note /Confirmation for transaction(s)
Re-print Investment FundsAccount Monthly Statement
HK$50 per copy
Depends onindividual fund
Redemption Fee (4) Nil Holding PeriodLess than 1 year: 3%1 year - less than 2 years: 2%2 years - less than 3 years: 1%
Class B Units will beautomatically converted to ClassA Units after 3 years, upon whichno redemption fee will apply.
Depends onindividual fund
For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund.
* This is the maximum rate as stated in the term sheet of the relevant fund in the series.
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and pastperformance is not indicative of future performance. Investors should read the relevant fund’s offering documents (including the full text of the risk factors statedtherein) in detail before making any investment decision.
HK$100 per copy
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C. Securities and Investment Funds Services (cont’d)(1) Up to 2% subscription fee discount for Prestige Banking customers. Up to 1% subscription fee discount for Preferred Banking, Green Banking and Integrated Account customers.
Terms and Conditions apply to the offer, please refer “F. Integrated Account Services and Privileges” for details.(2) The switching handling fee is charged by the Bank in respect of switching of funds# under the same/different fund series, customer is not required to separately pay the switching
fee (if any) charged by the relevant fund. Currently, the switching handling fee for switching from funds in the Hang Seng Investment Series, the Hang Seng Mainland InvestmentSeries and the Hang Seng Islamic Investment Series to Money Market Funds in the Hang Seng Investment Series is waived. The fee waiver applies until further notice. The Hang SengInvestment Series, the Hang Seng Mainland Investment Series and the Hang Seng Islamic Investment Series are all managed by the same fund manager (i.e. Hang Seng InvestmentManagement Limited) but they are three independent and separate investment series. The investments of funds in the Hang Seng Investment Series and the Hang Seng MainlandInvestment Series are made without reference to Islamic Investment (or “Shariah”) Principles. Please refer to the offering documents of the relevant funds for details.# The minimum amount of units for switching is equivalent to HKD20,000.
(3) Administration fee is a fee charged in respect of certain administrative work including the handling and update of transaction records, redemption fee calculation and the arrangementfor converting Class B Units into Class A Units done by the fund manager. The administration fee of up to 1% p.a. for “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 is currently waived by the fund manager.
(4) Redemption fee is calculated based on the redemption proceeds of the Units being redeemed. In respect of “Hang Seng Index Fund”, “Hang Seng China H-Share Index Fund” and“Hang Seng China Index Fund”, the fund manager currently applies a flat rate of 1% of the redemption proceeds for Class B Units held for less than 3 years. Please contact the Bank’sstaff for details of the fees before redemption of Class B Units.
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D. Credit Card Services
Visa Infinite Card / World MasterCard
Platinum Card
Principal Card - HK$6,000Supplementary Card - HK$1,000
Gold Card Principal Card - HK$540Supplementary Card - HK$270
Renminbi Credit Card- Platinum Card
- Gold Card
- Classic Card
Classic Card Principal Card - HK$240Supplementary Card - HK$120
Principal Card - HK$1,200Supplementary Card - HK$600
Principal Card - CNY1,200Supplementary Card - CNY600Principal Card - CNY540Supplementary Card - CNY270Principal Card - CNY240Supplementary Card - CNY120
USD Visa Gold Card Principal Card - US$70Supplementary Card - US$35
alpha card HK$50 per Card
Annual Fee
Monthly Fee
- 1 - This page has been revised since 1 January 2015.
Mobile Card HK$8 per Card
For enquiries on credit card services, please call our 24-Hour Customer Service Hotlines:Hang Seng Visa Infinite Card 2998 8228Hang Seng World MasterCard / Prestige World MasterCard 2998 8111The Hong Kong Jockey Club Membership Card / The Racing Club Membership Card 2998 8833Hang Seng Platinum Card 2998 8222Hang Seng Credit Card / Spending Card 2398 0000Hang Seng enJoy Visa Platinum Card / Spending Card 2998 8888Hang 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 (“UnionPay”) 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.
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D. Credit Card Services (cont’d)
Visa Infinite Card / World MasterCard /Prestige World MasterCard / Platinum Card /Gold Card / Classic Card / Priority Pass Card
Card Replacement FeeHK$100 per card account
- 2 - This page has been revised since 1 January 2015.
Late Charge
World MasterCard / USD Visa Gold Card /Club Marina Cove Membership Credit Card /enJoy Private Label Card
If the Customer fails to make full payment of the New Balance on or beforethe Payment Due Date, a late charge of HK$200/US$25 or an amount equalto the New Balance (whichever is lower) will be levied each time.
The Hong Kong Jockey Club Membership Card(MasterCard) / The Racing Club Membership Card
If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of HK$150 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.
Visa Infinite Card / Prestige World MasterCard /Platinum Card / Gold Card / Classic Card
If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of HK$200 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.
Renminbi Platinum Card / Renminbi Gold Card /Renminbi Credit Card
If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of CNY200 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.
The Hong Kong Jockey Club Membership Card(Private Label Card)
If the Customer fails to make full payment of the New Balance on or beforethe Payment Due Date, a late charge of HK$150 or an amount equal to theNew Balance (whichever is lower) will be levied each time.
Renminbi Platinum Card / Renminbi Gold Card /Renminbi Credit Card
CNY100 per card account
The Hong Kong Jockey Club Membership Card(MasterCard / Private Label Card) /The Racing Club Membership Card
HK$100 per card account for• lost card replacement• change of photo or signature (subject to the Club’s 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
enJoy Spending Card / alpha card HK$50 per card account
Principal Card - HK$100
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D. Credit Card Services (cont’d)
Visa Infinite Card / World MasterCard /Prestige World MasterCard / Platinum Card /Gold Card / Classic Card / USD Visa Gold Card /Club Marina Cove Membership Credit Card /enJoy Private Label Card
Overlimit FeeAn overlimit fee of HK$180/US$23 per month will be charged if theoutstanding balance (excluding fees and charges charged by the bank)exceeds the prescribed credit limit by HK$180/US$23 or above.
- 3 - This page has been revised since 1 January 2015.
Cash Advance Handling FeeVisa Infinite Card / World MasterCard /Prestige World MasterCard / Platinum Card /Gold Card / Classic Card / USD Visa Gold Card
• A handling fee of 3.5% of the cash advance amount (minimum HK$100/US$13) will be charged for every cash advance transaction.
• Cash advance transaction can be made at Hang Seng Bank/HSBC GroupATMs, other ATMs with Visa/PLUS, MasterCard/Cirrus or UnionPaysignage, financial institutions with Visa or MasterCard signage and overthe counters of Hang Seng Bank.
Renminbi Platinum Card / Renminbi Gold Card /Renminbi Credit Card
• A handling fee of 3.5% of the cash advance amount (minimum CNY100)will be charged for every cash advance transaction.
• Cash advance transaction can be made at ATMs with UnionPay signageon mainland China.
• A handling fee of 3.5% of the cash advance amount (minimum HK$70)will be charged for every cash advance transaction.
• Cash advance transaction can be made at Hang Seng Bank/HSBC GroupATMs, other ATMs with MasterCard/Cirrus signage, financial institutionswith MasterCard signage and over the counters of Hang Seng Bank.
The Hong Kong Jockey Club Membership Card(MasterCard) / The Racing Club Membership Card
Renminbi Platinum Card / Renminbi Gold Card /Renminbi Credit Card
An overlimit fee of CNY180 per month will be charged if the outstandingbalance (excluding fees and charges charged by the bank) exceeds theprescribed credit limit by CNY180 or above.
The Hong Kong Jockey Club Membership Card(MasterCard) / The Racing Club Membership Card
An overlimit fee of HK$150 per month will be charged if the outstandingbalance (excluding fees and charges charged by the bank) exceeds theprescribed credit limit by more than 10%.
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D. Credit Card Services (cont’d)
Other Fees
Foreign Currency Transaction Conversion Fee
SelectImage MasterCard Administration Fee- Only applicable to the Customers who are
enjoying any annual fee waiver (Hang Seng CreditCard Rewards Programme excluded)
• HK$100 per year (per card account)• Services less than 1 year will also be charged with a full annual
administration fee
Returned Cheque / Autopay Reject Handling Fee • A returned cheque / autopay reject handling fee of HK$120/US$16 will becharged once on the same statement if there is any returned cheque /autopay reject amount more than HK$120/US$16.
• Returned cheque / autopay reject handling fee will be waived if late chargeis levied on the same statement.
Foreign currency transactions will be converted into Hong Kong Dollars (forUSD Visa Gold Card, the non-USD transactions will be converted into USDollars) at a rate selected by the relevant Card Association from the rangeof rates available in wholesale currency markets for the applicableconversion date or the government-mandated rate in effect for the applicableconversion date, in each instance plus 1.95% / 1.75% (only applicable to TheHong Kong Jockey Club Membership Card (MasterCard) and The RacingClub Membership Card) / 1.2% (only applicable to CUP Credit Card) (inclusiveof the reimbursement charge levied by the relevant Card Association onHang Seng Bank).
Sales Draft Retrieval Fee
Statement Copy Retrieval Fee • Free for statement issued within 3 months• HK$50/US$7 per page for statement issued beyond 3 months
Credit Reference Letter Fee(1) HK$200 (local copy)/US$50 (foreign copy)
Copy - HK$40/US$5 per copy
HK$35 per cashier’s order
Payment by Foreign Cheque / Cashier’s Order • HK$60 per cheque• For payment made by cheque/cashier’s order of Macau Banks, an additional
0.25% of cheque amount or HK$100 (whichever is higher) will be charged.
Credit Balance Refund by Cashier’s Order
Handling Fee for payment Over the Counter atBranch(2)
HK$30 per transaction
- 4 - This page has been revised since 1 January 2015.
(1) Postage fee required for mailing to the relevant local/foreign institutions is included.(2) Customers who can present Visa Infinite Card, World MasterCard, The Hong Kong Jockey Club Membership Card (MasterCard/Private Label Card), The Racing Club Membership
Card or Renminbi Card or a copy of the above mentioned Cards will be exempted from this fee.
Other Fees of Renminbi Credit CardReturned Cheque / Autopay Reject Handling Fee • A returned cheque / autopay reject handling fee of CNY120 will be charged
once on the same statement if there is any returned cheque / autopayreject amount more than CNY120.
• Returned cheque / autopay reject handling fee will be waived if late chargeis levied on the same statement.
Statement Copy Retrieval Fee • Free for statement issued within 3 months• CNY50 per page for statement issued beyond 3 months
Credit Reference Letter Fee(1) CNY200 (local copy)/US$50 (foreign copy)
Credit Balance Refund by Cashier’s Order
Sales Draft Retrieval Fee Copy - CNY40 per copy
CNY35 per cashier’s order
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E. Lending ServicesSecured Loans
Secured Overdraft FacilityItem Charge
Monthly Handling Fee(1) 0.01% on the Secured Overdraft Limit
Vehicle LoansService 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
Option Fee HK$100
Property Instalment LoansService Charge
Application Fee HK$1,000 - HK$2,000 per application(payable upon application and not applicable to customers under specialschemes, 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
(1) Only applicable to Facility pledged with Deposits and Investment Products, If the secured overdraft limit is initially granted on or before June 2008, this fee is not applicable.
Note:• The above information is for customer’s 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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E. Lending Services (cont’d)
Notes:* 1. Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.# 2. For handling fee of autopay returned due to insufficient funds under Home Ownership Scheme and Tenant Purchase Scheme, please refer to P.6 of Section A — Deposit Services.
- 2 - This page has been revised since 1 July 2014.
Mortgage Lending Related ServicesService Charge
Copy of Document(s)
Copy of Title Deed Document(s):- Copy of Assignment HK$200 per copy- Copy of Mortgage Deed HK$200 per copy- Copy of the Agreement for Sale and Purchase HK$200 per copy
Copy of Letter of Offer HK$100 per copy
Copy of Repayment Schedule HK$100 per copy
Issuance/ Re-issuance of Document(s)
Interest and Principal Statement HK$100 per account / each financial year(Free for first statement of the last financial year)
Certification of Account Closure/ HK$200 per accountCertification of Loan Settlement Figures/Certification of Loan Information
Repayment Record HK$200 per 12-month record
Interest Rate Change Advice HK$100 per advice
Lease Consent Letter on Charged Property HK$1,000 per account
Credit Information HK$200 per account
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E. Lending Services (cont’d)
Mortgage Lending Related ServicesService Charge
Others
Change of Repayment Terms/ Loan Scheme* HK$1,000 per account(Excluding the change from Conventional Mortgage loan scheme toMortgage-Link loan scheme)
Change from Conventional Mortgage loan scheme to HK$3,000 per accountMortgage-Link loan scheme /Change from HKD Mortgage-Link loan scheme toRMB / HKD Mortgage-Link loan scheme /Change from RMB / HKD Mortgage-Link loan scheme toHKD Mortgage-Link loan scheme
Custody of Non-discharged Deeds after Full repayment HK$3,000 per year
Using Debit Note for Repayment HK$30 per instalment
Autopay Returned Due to Insufficient Funds # HK$150 per transaction
Late Charge* HK$400 per transaction(Including handling fee for autopay returned due to insufficient fund)
Administrative fee for pre-approval of “Home-For-Home” Bridging HK$1,000 per application (The administrative fee will be waived if theLoan Plan “Home-For-Home” bridging loan plan and the new mortgage loan are
utilized within 180 calender days from the date of the conditional letter ofoffer for the Pre-approval Service.)
Cancellation Fee 0.5% of the loan amount or HK$5,000, whichever is higher.
Prepayment Handling Fee In general, the prepayment handling fee in the first 3 years is 0.5% of theprepaid amount or HK$800, whichever is higher. After the first 3 years,HK$800 will be levied on each prepayment.
- 3 - This page has been revised since 1 January 2015.
Notes:* 1. Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.# 2. For handling fee of autopay returned due to insufficient funds under Home Ownership Scheme and Tenant Purchase Scheme, please refer to P.6 of Section A — Deposit Services.
Premium Financing And Policy CollateralizationService Charge
Change of Loan Terms Handling Fee HK$1,000 per request
Prepayment Handling Fee HK$1,000 for each prepayment
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E. Lending Services (cont’d)Unsecured Loans
Unsecured Overdraft FacilityItem Charge
Annual Fee For personal customers:
0.5% - 1% of the overdraft limit (minimum HK$200, maximum HK$800)Prestige Banking Customers: Perpetually WaivedOther Integrated Account customers: First Year waived
Late Charge HK$100
Re-issuance of Approval Advice HK$100 per copy
Personal Instalment LoanItem Charge
Handling Fee Please refer to the promotional leaflet
Prepayment Handling Fee The aggregate of (a) next month’s instalment amount which would have been payable but for theprepayment less the portion for repayment of the principal and (b) 2% of the outstanding principalof the Personal Instalment Loan, subject to a minimum of HK$300.
Default Interest Monthly instalment due calculated at the rate of 2.25% per month from the due date of suchinstalment until the date of full payment
Late Charge HK$300
Re-issuance of Approval Advice HK$100 per copy
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E. Lending Services (cont’d)
Personal Revolving LoanItem Charge
Annual Fee HK$400
ATM Cash Withdrawal / Fund Transfer /EPS Payment Handling Fee
Late Charge If the Customer fails to make the Minimum Payment Amount on or before the Payment DueDate, a late charge of HK$200 or an amount equal to the Minimum Payment Amount(whichever is lower) will be levied each time.
Overlimit Fee If the account’s outstanding balance exceeds the credit limit by more than 10%, an overlimit feeof HK$150 per month will be levied
Returned Cheque Handling Fee
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 / Cashier’s Order • HK$60 per cheque• For payment made by cheque / cashier’s order of Macau Banks, an additional 0.25% ofcheque amount or HK$100 (whichever is higher) will be charged
Credit Balance Refund by Cashier’s Order HK$35 per cashier’s order
Foreign Currency Conversion All transactions effected by Revolving Loan Account in currencies other than Hong KongDollars shall be debited to the Revolving Loan Account after conversion into Hong KongDollars. For the transactions effected via the PLUS networks, the money withdrawn is firstconverted to US Dollars, and then to Hong Kong Dollars, at the daily exchange rates set byVISA and HSBC respectively, plus a 1% conversion charge. For the other networks, themoney withdrawn is converted directly to Hong Kong Dollars at the daily exchange ratesset by HSBC plus a 1% conversion charge
• Unless otherwise specified, the handling fee for cash withdrawal / fund transfers madeat 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 inHong Kong is subject to additional handling fee, maximum up to HK$31
(1) Postage fee required for mailing to the relevant local / foreign institutions is included
• A returned cheque handling fee of HK$120 will be charged once on the same statementif there is any returned cheque amount more than HK$120.
• Returned cheque handling fee will be waived if late charge is levied on the samestatement.
- 5 - This page has been revised since 29 December 2014.
Prime Rates5.00%
4.50%
4.00%
HKD Prime Rate
USD Prime Rate
RMB Prime Rate
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F. Integrated Account Services and Privileges
Type of Integrated Accounts Charges(1)
Prestige Banking
For customer with a Total Relationship Balance(2) ofHK$1,000,000 or above WaivedHK$500,000 - HK$999,999 HK$40 per monthBelow HK$500,000 HK$340 per month
Preferred Banking
For customer with a Total Relationship Balance(2) ofHK$200,000 or above WaivedHK$50,000 - HK$199,999 HK$26 per monthBelow HK$50,000 HK$106 per month
Integrated Account(3)
For customer with a Total Relationship Balance(2) ofHK$10,000 or above WaivedBelow HK$10,000 HK$60 per month
(1) Monthly Fee will be charged on the 8th business day of each month based on the Total Relationship Balance in the previous month.(2) 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 agentas well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.
(3) Monthly Fee waiver will be given to Integrated Account customers aged under 18 and will be valid until the age of 21. If you select not to activate the current account upon openingyour Integrated Account, the Total Relationship Balance (2) requirement of the Integrated Account will be HKD5,000 and the monthly fee is HKD50 if the account cannot meet therequired Total Relationship Balance. The relevant current account no. may be shown in some service channels even though such current account has not been activated, but thisaccount cannot be used for any transaction. If you would like to use the current account service of your Integrated Account, you may make application to reactivate the currentaccount via Branch. However, the required Total Relationship Balance (2) will be resumed to HKD10,000 and monthly service fee is HKD60 if the account cannot meet the requiredTotal Relationship Balance.
(4) The Total Relationship Balance is the monthly aggregate balance of the daily average of customer's deposits, gold accounts, securities, investment funds, utilised overdraftfacilities, credit card cash advances and the outstanding balance of loans (except mortgage loan), trade finance and Hang Seng MPF Balance and the premium paid for thedesignated general insurance plans distributed by Hang Seng Bank as an agent for that month.
(5) Trade Turnover is the average monthly total local import and export trade transaction amount performed by the customer with the Bank in the preceding three calendar months.
UpBiz Integrated Account
• For customer with a Total Relationship Balance(4) of WaivedHK$2,000,000 equivalent or aboveOrFor customer with a Trade Turnover(5) ofHK$1,000,000 equivalent or above
• Other HK$600 per month
Integrated Business Solutions Account
For customer with a Total Relationship Balance(4) ofHK$50,000 equivalent or above WaivedBelow HK$50,000 equivalent HK$180 per month
- 1 - This page has been revised since 30 September 2013.
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F. Integrated Account Services and Privileges (cont’d)
Privileges
PrestigeBanking*
PreferredBanking
IntegratedAccount
Deposit, Remittances and Foreign ExchangeServices (1)
• Gift Cheque Handling Charge• Issuance of Cashier’s Order Handling Charge (2)
• Re-purchase of Cashier’s Order Handling Charge• Issuance of Demand Drafts Handling Charge• Outward Remittance Handling Charge (3)(4)
• Set-up of Standing Instructions Handling Charge (3)
• Amendment of Standing Instructions HandlingCharge (3)
• Purchase/Sale of Foreign Currency Notes HandlingCharge
• Foreign Currency Notes Deposits / WithdrawalsHandling Charge (5)
• Inward Remittance Handling Charge (3)
• Inward CHATS Handling Charge (3)
• Set-up of Direct Debit Authorisations HandlingCharge (3)
• Coin Changing Charge• Cheque Book(s) delivery by courier Service Charge (3)
• Safe Deposit Box “A” Rental Fee (6)
WaivedHK$25WaivedHK$50WaivedWaivedWaived
Waived
Waived
WaivedWaivedWaived
HK$1 per sachetWaived
First-year waived
HK$5----
Waived-
Waived
Waived
--
Waived
--
First-year waived
-------
-
Waived
--
Waived
---
GreenBanking
HK$5----
Waived-
Waived
Waived
--
Waived
--
First-year waived
Securities and Investment Funds Services• Securities Custody Fee• Free Real-time Stocks Quotes (7)
• Deposit Charge For Purchase Order for LocalSecurities
• Investment Fund Subscription Fee (8)
• Advanced Switching Service with PreferentialSubscription Fee (9)
-1,000 per month
-
1% discount for allfunds
managed byHang SengInvestment
ManagementLimited
(Funds withsubscription fee
5%: 1%discount)
2%subscription fee
-500 per month
-
1% discount for allfunds
managed byHang SengInvestment
ManagementLimited
(Funds withsubscription fee
5%: 1%discount)
2%subscription fee
40% discount1,000 per month
50% discount
2% discount forall funds managed
by Hang SengInvestment
ManagementLimited
(Funds withsubscription fee
5%: 2%discount
Funds withsubscription fee
< 5%: 0.5%discount)
2%subscription fee
-500 per month
-
1% discount for allfunds managed by
Hang SengInvestment
ManagementLimited
(Funds withsubscription fee
5%: 1%discount)
2%subscription fee
- 2 - This page has been revised since 1 January 2014.
PP
L489
-R4
2B (1
1/20
14) (
LT)
F. Integrated Account Services and Privileges (cont’d)
Remarks:• Hang Seng Bank (the “Bank”) reserves the right to suspend, vary or discontinue the above offers at any time without prior notice. In case of disputes, the decision of the Bank will
be final. Investment involves risks. Investors should refer to relevant offering document of the relevant investment products before making any investment decision. Prices ofinvestments (stocks, bonds and investment funds) may go up or down and may become worthless.
(*) Selected customers from Prestige Banking can enjoy special privileges from Prestige Signature. Please refer to the corresponding marketing collateral for details.
(1) Each customer can enjoy each complimentary banking service of a maximum of 10 times per month.(2) No privilege will be given to the issuance of Cashier’s Order for the purpose of IPO subscription.(3) Privileges are not applicable to other non-Prestige Banking / Preferred Banking / Green Banking / Integrated Account under the name of the same customer.(4) Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal e-Banking to a beneficiary account with Hang Seng Bank
(China) Limited or Macau Branch. Prestige Banking customer enjoys a privileged charge HK$220 for the non-domicile currency remittance via Integrated Account of PrestigeBanking through Hang Seng branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau.
(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 thehandling fee waiver - Up to USD: 7,500 / JPY: 300,000 / Thai Baht: 20,000 / NZD: 2,000 / AUD, CAD, EUR, GBP: 1,500 / CHF, ZAR: 1,000 units in foreign currency.Other customers (per 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 toUSD: 1,500 / JPY: 150,000 / Thai Baht: 10,000 / NZD: 2,000 / AUD, CAD: 1,500 / EUR, GBP: 1,000 / CHF, ZAR: 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 theannual 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 thefull 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 500 freequotes 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, viathe Advanced Switching Service or Capital Guaranteed Fund Advance Reinvestment Service, or other funds/ fund transactions as specified by the Bank from time to time. Thisoffer 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 forsubscription of units in another fund (the “New Fund”) before redemption proceeds from the original fund (the “Original Fund”) are deposited into their accounts, regardless ofwhether the New Fund and the Original Fund are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceedsthereafter. 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 forsubscription 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 incertain circumstances. The Service is available to Prestige Banking, Preferred Banking and Integrated Account customers who apply for redemption of a fund with redemptionproceeds(estimated by the Bank based on the latest available unit price of that fund) of not less than HKD100,000 (or any other amount as specified by the Bank from time to time)in one single transaction. And for any single fund subscription application via the Advanced Switching Service placed through Hang Seng Personal e-Banking, the maximumsubscription amount is HK$4,000,000 (or any other amount as specified by the Bank from time to time). The Service does not apply to capital guaranteed funds, fund units withno subscription fees (e.g. Class B Units), funds with a dealing frequency that is not daily, hedge funds or other funds as specified by the Bank from time to time. Funds in respectof 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 stated in the applicationform for the Service before applying therefor. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and willbe 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 priority approval offer and the type of credit card eventually offered are subject to the final decision of the Bank. The Bank reserves the right to revoke this priority approvaloffer at its discretion without giving any reason therefor.
(11) If customer holds more than one Hang Seng Credit Card, the Perpetual Annual Fee Waiver will be applicable to one of the credit cards with the highest annual fee only but will notbe applicable to Hang Seng Visa Infinite, World MasterCard, Corporate Card, Business Card, Commercial Card, USD Visa Gold Card and Private Label Card. All annual fees paidprior to accepting this priority approval offer will not be refunded.
- 3 - This page has been revised since 1 July 2014.
Credit Card Services• Priority approval (10) of Prestige Banking Platinum
Card and up to three Supplementary Cards• Priority approval (10) of Credit Card
• Renminbi Credit Card
Lending Services• Unsecured Overdraft Facility Annual Fee
• Personal Revolving Loan Annual Fee
-
Perpetual AnnualFee Waiver (11)
-
-
Perpetual AnnualFee Waiver (11)
-
First-yearwaived
First-yearwaived
First-yearwaived
First-yearwaived
-
Perpetual AnnualFee Waiver (11)
-
First-yearwaived
First-yearwaived
Privileges
PreferredBanking
IntegratedAccount
GreenBanking
Perpetual AnnualFee Waiver (11)
-
Perpetual AnnualFee Waiver (11)
PerpetuallyWaived
First-yearwaived
PrestigeBanking