Frequently Asked Question

Every e-Banking customer, excluding Integrated Account customers aged under 18, may make a time deposit online. Simply select your time deposit account from the pre-defined list and provide us with the deposit details as requested, a time deposit will then be made with the Bank. For Integrated Account, excluding Integrated Account customers aged under 18, if you do not have a time deposit account with us, a new time deposit account will be opened automatically and your account number will be shown on the acknowledgment screen after you have confirmed your deposit instruction. For credit card/Hang Seng Card account customers, you can send online request to open an Integrated Account and then set up a new time deposit account automatically after the Integrated Account is opened. 

The following deposit terms are available for fixed deposits of different currencies:

This service is available from 8:00 am to 7:55 pm, Mondays to Fridays, and 8:00 am to 4:55 pm on Saturdays.

The following types of maturity instructions are available:

If it is a fixed deposit, you must select the maturity instruction at the time you make the deposit.

Once the renewal instruction "Auto-renew" has been selected, the Bank will continue to act on your renewal instruction until further notice is received from you. If you wish to amend your maturity instruction, you may amend it at least one working day (before 7:55pm on Monday to Friday and before 4:55 pm on Saturday) before the maturity date.

Yes, you may amend the maturity instruction at least one working day (before 7:55pm on Monday to Friday and before 4:55 pm on Saturday) before the maturity date.

As long as the time deposit account can be operated through our e-Banking Services, you may amend the maturity instruction of your fixed and call deposits online at least one working day (before 7:55pm on Monday to Friday and before 4:55 pm on Saturday) before the maturity date.

It is a service that allows you to make a time deposit of a pre-defined deposit term and principal on a pre-defined date.

You may make your pending deposit 45 calendar days (excluding Sundays and Public Holidays) ahead of time.

Yes, you may make amendments to all your pending deposits online anytime before the effective date of the deposits.

It is not necessary to have sufficient fund in your account when you make a pending deposit. However, your instruction will be rejected if there is insufficient fund in your account on the effective date of the deposit.

It is a tool for you to calculate your time deposit return with a specific deposit term and principal.

Yes, the deposit rates are updated from time to time and are for reference only. You will be notified of the actual interest rate/exchange rate prior to your confirmation of every transaction requested.

At the request of the depositor, the Bank may at its discretion allow a pre-mature withdrawal of a deposit before the due date. In such instance, the Bank reserves the right not to pay interest on the deposit. The Bank furthermore reserves the right to recover a handling charge and additional cost (if any) of obtaining funds in the market for the remaining period of deposits, and to recover the loss of the Bank if there is a lack of funds in the market.