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Get the most out of your salary with Easy Banking Bonus Payroll Account

Earn at least 2% cash rewards on all eligible spending and up to 9.5% cash rewards for designated merchants with Smart Card!¹˒²˒³˒⁴

  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

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    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

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Too busy to invest?

Easy Banking helps you grow your wealth while saving you valuable time. Join us to enjoy fabulous welcome rewards.

  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

Easy Banking Welcome Offer!

From now till 30 September 2022 open your personal account via SC Mobile to enjoy exclusive welcome rewards. Life gets easy when you live smart.

New Easy Banking Clients

Existing Easy Banking Clients

Sign up for Easy Banking and Bonus Payroll Account to experience the distinctive privileges!
  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

Mobile Account Opening Offer

Open your personal account via SC Mobile and sign up for Easy Banking now can enjoy 1.88%p.a. HKD Preferential Savings Rate!6

  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

Earn Up To 2.4% p.a. Interest Booster by completing missions

• Set up Online Time Deposit with new funds of HKD10,000 or above
• Accumulate Online Foreign Exchange transactions of HKD10,000
• Accumulate Online Investment Funds transactions of HKD10,000
• Successful application and payment for designated Allianz Protection plan

  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

HKD100 New Funds Growth Offer

New clients who sign up for Easy Banking via branches during the Promotion Period can enjoy HKD100 cash rewards by depositing no less than HKD50,000 or equivalent into the newly-opened account

Sign up for Easy Banking and Bonus Payroll Account to experience the distinctive privileges!
  • OPEN AN ACCOUNT NOW OPEN AN ACCOUNT NOW

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

Earn Up To 2.4% p.a. Interest Booster by completing missions

• Set up Online Time Deposit with new funds of HKD10,000 or above
• Accumulate Online Foreign Exchange transactions of HKD10,000
• Accumulate Online Investment Funds transactions of HKD10,000
• Successful application and payment for designated Allianz Protection plan

Member-Get-Member Referral Program

Register for the referral program via our online form now and invite your friends to sign up for Easy Banking via SC Mobile to enjoy HKD300 cash rewards or 3,000 Asia Miles.

Easy Banking Bonus Payroll Account

​Get the most out of your salary

Bank and grow your wealth smartly with Easy Banking

Pay smartly, bank flexibly

SC Pay and Scan & Pay

Transfer and receive money from friends or pay merchants instantly

  • Transfer funds between local banks using mobile number or email address via Faster Payment System (FPS)12
  • Scan the FPS QR code via SC Mobile to pay merchants or bills
QR Cash13

Experience cardless cash withdrawal with your mobile

  • Scan QR Code at any Standard Chartered or designated Jetco ATMs to withdraw cash via SC Mobile
Push Notification Free Alert14

Receive timely alerts on your banking activities of your personal account

  • Get instant push notifications from SC Mobile to stay on top of your bank account and credit card activities
Overdraft Protection15

Enjoy peace of mind with overdraft protection

  • Available on HKD current accounts to avoid rejected autopay transactions and bounced cheques
  • Charge a preferential rate6 on the overdrawn amount6

Grow your wealth smartly

Investment Funds

ESG Select

Foreign Exchange

Securities Services

General Insurance

Time Deposit

Life Insurance

No idea how to start investing? Let professional fund managers help, so you don’t have to start from scratch.

  • Fund Select – reference shortlisted around 70 quality funds each month to save time
  • Clients like you may also invest in… – check out popular fund choices in the past month of other investors alike yourself for inspirations
  • Low entry barrier – start investing with a little as HKD1,000
  • New Investment Fund Clients: Enjoy 0% subscription fee for online trades during the promotion period16
Hk investment invest funds

Wish to do more for the environment and society? ESG investing refers to the consideration of environmental, social, and governance factors alongside financial factors when making investment decisions

  • Reduce volatility and drawdown risk
  • Improve an investment’s risk/return profile
  • Strong practices in E, S & G are increasingly important to sustain a company’s long term business growth
Hk ut esg select

Too busy to monitor the market? The SC Mobile FX platform has handy functions, so you won’t miss opportunities.

  • Pre-set your target exchange rate 24/7 – convert funds automatically when the target rate is reached
  • New FX Platform Clients: Enjoy HKD100 reward with a total accumulated transaction amount of HKD10,000 or equivalent. Upgrade to the respective membership tiers for exclusive rewards17
  • Member-Get-Member referral program: From now till 30 June 2022, you can receive a HKD200 cash reward by successfully referring a Green Member who has conducted a single FX transaction of HKD4,000 equivalent or above with Promo Code during the promotional period. You can enjoy up to HKD4,000 cash rewards in total (i.e. up to 20 referrals). Referee can enjoy extra preferential FX rates at the same time.
Hk investment foreign exchange

Want to capture investment opportunities from different markets? Invest from a single account via the all-in-one online securities trading platform.

  • Invest in Hong Kong, Mainland China and U.S. securities markets
  • Select stocks from market, sector to company based on real-time and comprehensive market data provided by Refinitiv
  • Receive free unlimited real-time stock quotes
  • Offer: Enjoy $0 trade lodgement fee, custodial fee and account maintenance fee18
Phone screens showing online securities trading platform

Don’t want misfortune to cost you a fortune? Manage and protect your hard-earned money for peace of mind.

  • Safeguard yourself and your family with protection for your health, income, travel, your home valuables, and other unforeseen accidents
  • Experience a faster, easier way to apply for different products, review your portfolio, submit and monitor claim requests via Online Banking and SC Mobile
Phone screens showing insurance plans

Worried about risks and hesitant to invest? Make your money work harder for you with interest returns.

  • Set up a Time Deposit via SC Mobile or Online Banking with as low as HKD10,000
  • A choice of 10 major currencies for your selection: HKD, USD, RMB, AUD, NZD, CAD, GBP, EUR, CHF, JPY
  • A range of available tenors: from 1 to 12 months
Set up a Time Deposit via SC Mobile or Online Banking

Enhance your protection with tax deduction solutions

  • To cope with the uncertainties in the future, you need comprehensive financial planning and protection.
  • Choosing the tax deduction solutions that suit you helps you to make the most of your tax allowance19 and reduce the tax burden for you and your family.
  • Qualifying Deferred Annuity Plan and Voluntary Health Insurance Scheme (VHIS) Series20 offer an individual tax-deductible limit of up to HKD68,000 per year21. You and your spouse can even enjoy tax savings of up to HKD23,12022 by applying for both Qualifying Deferred Annuity Plan and VHIS plan together!
3 pairs of hands holding a heart with care, implying financial protection for family

Spend smartly, earn easily

Smart Card

Spend smartly on your everyday spending and be rewarded

  • Split your credit card bills over 3 months at 0% interest and no handling fee
  • Earn 5% CashBack at designated everyday merchants every day
  • No annual fee, no foreign exchange fees, no cash advance fees
Split your Credit Card Bills

Repay by easy instalments for more financial flexibility

  • Avoid heavy interest expenses due to late payment or minimum credit card payment
  • Flexible repayment tenor up to 60 months
  • It takes 5 minutes to apply online in a few easy steps
FPS payments by Credit Card

Make use of available funds to pay for big spending items

  • Pay for expenses that cannot usually be settled by credit card, such as rent, insurance, tuition fee etc
  • No handling fee for the first HKD100,000 transferred amount in each calendar month(counting from first day to last day of month)

Get support smartly

a QR code to download SC mobile with a mobile phone opened SC mobile

SC MOBILE APP

Manage your finances on the go

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

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Join Easy Banking to enjoy the exceptional privileges
• Fabulous account opening rewards

• ATM daily cash withdrawal limit: HKD 20,000

• ATM daily electronic payment limit: HKD 50,00023

• No minimum relationship balance requirement
  • Apply Today Apply Today

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    QR Code, Rug

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Not applicable to:

    1. Cheque book service, products / services / applications that
    require handwritten signature not applicable to account
    opened via SC Mobile.

    Refer to here for more details.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

Remark

1. Details of the Smart Card Cash Rewards categories:

Each Reward Category
Total Percentage of Cashback Earned
Components for Total Percentage of Cashback Earned
Smart Card Eligible Transactions made at designated merchants or categories

For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions and Standard Chartered Smart Credit Card Spring and Summer Offer

6.5% Cash Rewards 4.44% under Smart Credit Card Limited Time Offer + 0.56% under Smart Credit Card Rewards Scheme + 1.5% under Easy Banking Smart Card Cash Rewards for New Bonus Payroll Account Clients
Smart Card Eligible Transactions made at 8% Merchant(s)

For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions, and Standard Chartered Smart Credit Card Spring and Summer Offer

9.5% Cash Rewards 7.44% under Smart Credit Card Limited Time Offer or Smart Credit Card Spring and Summer Offer + 0.56% under Smart Credit Card Rewards Scheme + 1.5% under Easy Banking Smart Card Cash Rewards for New Bonus Payroll Account Clients
Other Eligible Merchant Transactions 2.06% Cash Rewards 0.56% under Smart Credit Card Rewards Scheme + 1.5% under Easy Banking Smart Card Cash Rewards for New Bonus Payroll Account Clients

2. The Extra Cash Rewards will be calculated and credited into Eligible Client’s savings account quarterly according to the schedule as stated in the Terms and Conditions. As for other Smart Card Rewards, CashBack earned will be shown on the 360° Rewards Redemption Platform.

3. The Extra Cash Reward is calculated starting two calendar months after a successful sign up of a new Bonus Payroll Account and is only applicable to the first HKD5,000 monthly card spending on Eligible Transactions for the next 12 calendar months (i.e., total spending cap at HKD60,000).

4. For the Terms and Conditions of the Easy Banking Extra 1.5% Smart Card Cash Rewards for New Bonus Payroll Account Clients, please click here.

5. For the Terms and Conditions of the Bonus Payroll Account Welcome Offer, please click here.

6. The Preferential Savings Interest Rate Offer is only applicable to new clients who did not hold any deposit account, including Savings Account, Current/ Cheque Account, Integrated Deposits Account and Time Deposit Account, with Standard Chartered Bank (Hong Kong) Limited in the past 12 months from the date of the current submission of an application for an Integrated Deposit Account via SC Mobile.

7. From 1 July 2022 to 31 December 2022 (both dates inclusive), 3.5% handling fee will be waived for transferred amount up to HKD100,000 (the “Offer”). 3.5% handling fee will apply to the transferred amount above HKD100,000 and charges will be debited to the valid Credit Card account with the highest transferred amount if the total accumulated transfers exceed HKD100,000 by such Cardholder in a calendar month (based on the transaction date) when using electronic banking services, person to person (P2P) payment services or mobile device / app / electronic funds transfer platforms effective from time-to-time to make any transfer / top up transaction from Standard Chartered / MANHATTAN Credit Card(s) to a specified account (including but not limited to Octopus O!ePay Account, Alipay Account). If the last day of a calendar month is a Sunday, any related transactions made on that day will be counted in the following calendar month.

8. For retail spending over HK$500 or above. The Bank will deduct HKD1 CashBack on the 360° Rewards Redemption Platform for every HKD180 instalment amount applied. Example: For an instalment amount of HKD9,000, the Bank will deduct HKD50 CashBack. For spending amounts that are not eligible to earn CashBack (e.g. bill payment transactions made through Standard Chartered Online Banking), the Bank will also deduct HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the 360° Rewards Redemption Platform for deduction, a negative balance will be displayed. If you select tenor of 6 months or above, the handling fee is as low as 0.15%. Click to learn more for our Statement Instalment Plan.

9. Including HKD, USD, RMB, AUD, CAD, CHF, EUR, GBP, JPY, NZD, and SGD.

10. Including Australia, Canada, Euro Region Countries, Singapore, UK, and US. For details, please visit https://av.sc.com/hk/content/docs/hk-International-Transfer-FAQ-Eng.pdf.

11. Please click here for Terms and Conditions of FX Membership Program and Member-Get-Member Referral Program.

12. SC Pay (FPS) and Scan & Pay are only applicable to payees who have registered for FPS service.

13. Subject to the relevant Terms and Conditions, the maximum daily cardless withdrawal limit via QR Cash is HKD10,000 (or its equivalent in other currencies) unless the daily ATM withdrawal limit set by the client or the available credit limit of the client as determined by Standard Chartered Bank (Hong Kong) Limited (the “Bank“) is lower than that, in which case the lower limit shall apply.

14. If clients have subscribed for “SMS Alerts” at Online Banking, clients may enable push notification in SC Mobile App so that the banking alerts that may originally be sent by SMS will be sent to clients via the Notification Hub in SC Mobile App. Those banking alerts include alerts in relation to bill payment, cash withdrawal, fund transfer, account purchase, cheque return of banking account(s) and credit card payment due date reminder.

15. The service is applicable to clients with no other prearranged overdraft facility set up with any HKD Current Accounts. It applies to clearing cheques and autopay arrangement with the protection limit up to 95% of HKD deposits and 80% of foreign currency deposits excluding Renminbi deposits or the accumulated overdraft amount not exceeding HKD40,000, whichever is lower. HKD deposits include HKD savings, current, time deposits and deposits in the MoneyBuilder Savings Plan Account. Foreign currency deposits include savings and time deposits in AUD, CAD, CHF, EUR, GBP, JPY, NZD, USD currencies, and USD current account deposits. The service is not applicable to all staff of the Bank or any persons who have relationship with directors/controllers/employees with lending authority. The handling fee of Current Account Overdraft Protection is HKD120 per item for Easy Banking Clients.

16. For Online Unit Trusts 0% Subscription Fee Offer details, please refer to the Bank’s website sc.com/hk/investment/investment-fund-services/ and the terms and conditions of the reward set out on the website.

17. For Online Foreign Exchange Promotion details, please refer to the Bank’s website sc.com/hk/fx and the terms and conditions of the reward set out on the website.

18. The waiver on account maintenance fee will be valid until further notice. The complete list of charges can be found in Service Charges Booklet, charges may be subject to change.

19. Policyholders must meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the Hong Kong Special Administrative Region before they can claim the relevant tax relief. All of the above general tax information provided is for reference only. You should always consult with a professional tax advisor if you have any doubts. For further information on tax concessions applicable to PRURetirement Deferred Annuity Plan / VHIS plans, please refer to www.ia.org.hk/en or www.vhis.gov.hk/en/.

20. The plan coverage of designated Qualifying Deferred Annuity Plan and Voluntary Health Insurance Scheme (VHIS) Series are subject to plans, please refer to relevant product brochure and policy document and read carefully.

21. The maximum tax-deductible amount of each Hong Kong taxpayer is HKD60,000 per assessment year under salaries tax and personal assessment. This is an aggregate limit for both Qualified Deferred Annuity Plan and MPF Tax Deductible Voluntary Contribution annuity premium in aggregate. The total deduction of HK$120,000 can be divided among married couples, but both must be Hong Kong taxpayers, and the deduction applied by each taxpayer cannot exceed the personal limit. HK$8,000 is the upper limit of tax deduction for each insured person of approved products under the Voluntary Health Insurance Scheme.

22. The illustration of tax savings for a married couple of HKD23,120 is calculated by (HKD68,000 x 2) x 17% where 17% represent the maximum tax-deductible amount and the current highest progressive tax rate respectively. However, please note that this is for illustration only; in particular, not every taxpayer will enjoy HKD23,120 in tax savings as the actual amount of tax savings varies, depending on, for example, the taxpayer’s net taxable income, applicable tax rate, tax allowances and deductions entitled as well as the premium amount of TVC, Qualified Deferred Annuity and Voluntary Health Insurance Scheme premiums, etc.

23. This limit applies to transactions completed through EPS, UnionPay or Maestro Point–Of–Sale terminals. In the event that the ATM card is used to perform any PPS transactions and tax payments via an ATM, this limit will be automatically increased to HKD 100,000.

Smart Card Features

Ⓐ Promotion period: From 1 January to 31 December 2022

Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions in the form of CashBack to the card account as shown in the list below.

Ⓒ Eligible Transactions made at below Designated Merchants can earn HKD1 CashBack for every HKD20 spent (5% CashBack percentage)

  • 759 STORE
  • Circle K Convenience Store
  • foodpanda, foodpanda mall and pandamart
  • Klook
  • McDonald’s® & McDonald’s App
  • PARKnSHOP and its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets)
  • Sa Sa Retail Store & eShop
  • Watsons
  • ZALORA
  • Online video streaming platforms: Amazon Prime Video, Disney+, Netflix, Now TV
  • Online music streaming platforms: JOOX, KKBOX, MOOV, Spotify

Ⓓ Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Ⓔ The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Eligible Transactions made at Designated Merchants must be completed and posted on or before 31 December 2022 based on the transaction dates as shown on the credit card monthly statement, and the Designated Merchants’ name (as determined at the Bank’s absolute discretion) must be reflected as part of the transaction descriptions on such credit card monthly statement. Any amount in excess of the HKD60,000 cap will be counted as Other Eligible Transactions.

Ⓕ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.

Smart Card 3-month Interest-free Instalment

For spending amounts that are not eligible to earn CashBack (e.g. bill payment transactions made through Standard Chartered Online Banking), the Bank will also deduct HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the 360° Rewards Redemption Platform for deduction, a negative balance will be displayed.

Important Note:

• The above General Insurance plans are underwritten by Allianz Global Corporate & Specialty SE (incorporated in the Federal Republic of Germany with limited liabilities) Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of Hong Kong. The Bank is an insurance agent appointed by Allianz. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the above information.

• All General Insurance plans offered by Allianz are only available for subscription by residents of Hong Kong, subject to the relevant Terms and Conditions. For details, please refer to the Bank’s website sc.com/hk/insurance/general-insurance/.

• Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours, but you should not invest in Investment Fund unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Important Notes of Online Securities Trading and SC Equities:

• The Bank will not be liable for any loss or damage to you as a result of making the Online Securities Trading Services available to you, unless the loss or damage is directly caused by our negligence or our wilful default.

• For more details and the risks involved, please refer to the Securities Services Terms and Conditions or contact our branch staff.

Important Notes for Qualifying Deferred Annuity Plan and Voluntary Health Insurance Scheme Series:

• You can always choose to take out the above-mentioned plan(s) as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan(s) is/are only available as a supplementary benefit which needs to be attached to a basic plan.

• The life insurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential Hong Kong Limited (A member of Prudential plc group) (“Prudential”). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.

• If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums and levy(ies) paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Office at 8/F Prudential Tower, The Gateway Harbour City, 21 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong within the cooling-off period (that is, within 21 days for face-to-face distribution (including webpage and mobile app) or 30 days for non-face-to-face distribution, after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling-off right.

• Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) is an insurance agent of Prudential.

• As the issuer of the life insurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. The material and information contained on this webpage should be read in conjunction with the relevant product brochure and for the risk discloure, please refer to the product brochure. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

• This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

• Whether to apply for insurance coverage is your own individual decision. During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.

• Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Policyholders must meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the Hong Kong Special Administrative Region before they can claim the relevant tax relief. All of the above general tax information provided is for reference only. You should always consult with a professional tax advisor if you have any doubts. For further information on tax concessions applicable to PRURetirement Deferred Annuity Plan / VHIS plans, please refer to www.ia.org.hk/en or www.vhis.gov.hk/en/.

• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved directly between Prudential and the client.

Risk Disclosure Statement

• Investment involves risks. The prices of investment products fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. Past performance is no guide to its future performance.

• Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.

• Investors should consider their own investment objectives, investment experience, financial situation and risk tolerance level.

Foreign Exchange Risk Disclosure Statement:

• Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

Risk Disclosure Statement for RMB Deposit Services:

• Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including Hong Kong dollars); and

• RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statement for Investment Fund Services:

• Investment involves risks. The prices of units/ shares of unit trusts or mutual funds fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance of any Investment Fund is no guide to its future performance.

• Investors should carefully read the relevant offering documents and in particular the Terms & Conditions contained therein, the investment policies and the risk factors and latest financial results information. It is desirable that the Investor seeks independent financial advice with respect to any investment decision.

• Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective, investment experience, financial situation and risk tolerance level before making any investment decision.

Risk Disclosure Statement for Securities Services:

• Investment involves risks. The prices of securities fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount.

• Past performance of any securities is no guide to its future performance. Investors should consider their own investment objectives, investment experience, financial situation, risk tolerance level and carefully read the Terms & Conditions of relevant Securities Services before making any investment decision.

• This webpage does not constitute any prediction of likely future price movements.

• Investors should not make investment decisions based on this webpage alone.

• This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

For details of Smart Credit Card Extra 1.5% Cash Rewards Offer for Easy Banking, please refer to here.
For details of Easy Banking Save and Invest Offer – For New Easy Banking Clients, please refer to here.
For details of Easy Banking Save and Invest Offer – For Selected Easy Banking, please refer to here.
For details of Promotion of Integrated Deposits Account Opening via SC Mobile – 1.88%p.a. HKD Preferential Savings Interest Rate Offer, please refer to here.
Standard Chartered Credit Card Welcome Offer is subject to the relevant Terms and Conditions. For details of prevailing welcome offers, please refer to the “Important Information and Terms and Conditions for Application of Standard Chartered Credit Card” leaflet or contact any of the Bank’s staff.
For Online Unit Trusts 0% Subscription Fee Offer details, please refer to the Bank’s website sc.com/hk/investment/investment-fund-services/ and the terms and conditions of the reward set out on the website.
For Online Foreign Exchange Promotion details, please refer to the Bank’s website sc.com/hk/fx and the Terms and Conditions of the reward set out on the website.

To borrow or not to borrow? Borrow only if you can repay!