You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.


Proceed to third party website
Person, Human, Sitting
Premium Banking

Start your wealth journey

Join Premium Banking to enjoy up to HKD900 Rebate

Wealth Starter

Get started to build your wealth more easily with our product solutions and offers that fits your needs.

Investment

Life Protection and Retirement

man thinking deep at workdesk with laptop and paper with different charts
• Start investing from as low as HKD1,000 or with Monthly Investment Plan for Investment Funds, to help you achieve your financial goals. Learn more

• Invest in Hong Kong, Mainland China and U.S. securities markets with a single account. Learn more

• Enjoy 0% subscription fee for the investment fund trade on Online Banking and SC Mobile for new clients. Learn more

• Enjoy $0 trade lodgement fee, custodial fee and account maintenance fee. Learn more
discussion of patient and doctor with Xray film, report and laptop on the desk
• Easy to start with affordable health protection insurance plans; apply for Qualifying Deferred Annuity and VHIS plans to enjoy tax saving# while getting protected. Learn more

• Participate in tax deductible voluntary contributions (TVC) to enjoy tax benefits and retirement protection. Learn more

• Consolidate and manage your own MPF personal accounts to enjoy more prestige services by including MPF account balance in your Relationship Balance. Learn more

# Please refer to the relevant details on general tax saving in the “Important Notes for Life Insurance” below.

All-in-one Digital Banking Experience

To manage your finances more flexibly with our SC Mobile App and Online Banking.

A lady in white shirt is using her mobile
Digital Banking Service
• Make real-time and free mobile payment or interbank transfers via SC Pay (FPS)* and Scan & Pay*.  Learn more

• Experience our cardless cash withdrawal with QR Cash. Learn more

• Support faster, simpler and smarter International Fund Transfer. Learn more

Open Time Deposit with a few clicks via SC Mobile and Online Banking. Learn more
Tie, Accessories, Accessory
Digital Wealth Platform
• An one-stop foreign exchange platform on SC Mobile, with all the handy functions and extensive data that you need. Learn more Watch Video

• Manage your portfolio anytime, anywhere with the SC Mobile Unit Trust Investment platform. Learn more Watch Video

• All-in-one Online Securities Trading platform and SC Equities mobile app for Hong Kong, Mainland China and U.S. securities trading.  Learn more

• Experience a fast, easy way to apply for General Insurance plans to protect yourself and your family. Learn more

* SC Pay (FPS) and Scan & Pay are only applicable to payees who have registered for FPS service. You will be able to transfer up to HKD200,000 to non-registered payees and merchants after increasing your transfer limit on SC Mobile App or Online Banking.

Related Videos

Video thumbnail

Learn more about the features of Foreign Exchange platform on SC Mobile

Learn more about the features of Foreign Exchange platform on SC Mobile

Video thumbnail

Introduction of SC Mobile UT Platform

Introduction of SC Mobile UT Platform

Professional Expertise and Supports

To help manage your wealth and achieve your financial goals more efficiently by providing you our convenient supports.

Read More More
Read More More

Fabulous Banking Rewards

Premium Banking Welcome Privileges

Join Premium Banking and enjoy up to HKD900 Rebate. Learn more

Bonus Payroll Account

Sign up for Bonus Payroll Account to enjoy up to 9,000 Asia Miles or HKD900 Cash Rebate. Learn more

Standard Chartered Cathay Mastercard

Apply Standard Chartered Cathay Mastercard to enjoy Miles Earning Rewards of HKD4 = 1 Asia Mile (for eligible spending on dining, online and overseas spending categories). Learn more

Premium Banking 360˚ Rewards

Premium Banking 360˚ Rewards programme offers 360˚ Rewards Points, Asia Miles or CashBack every month for the designated banking products. Learn more

Standard

Minimum average daily Relationship Balance HKD200,000 or above

 

Payroll

Payroll client with monthly salary HKD20,000 or above

 

Mortgage (Account opened on or before 30 September 2017)

Mortgage drawdown amount is in the sum of HKD1,500,000 or above

 

Mortgage (Account opened on or after 1 October 2017)

Mortgage outstanding amount is in the sum of HKD1,500,000 or above

 

^ “Relationship Balance” includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on Standard Chartered credit cards and outstanding balances of Standard Chartered Personal Loans you maintain with Standard Chartered Bank (Hong Kong) Limited (“the Bank”) under personal accounts. The Relationship Balance of your personal account will also include the MPF account balance under Manulife Global Select (MPF) Scheme where you authorise and consent the Bank to receive your MPF account information.

Standard Chartered credit cards refer to Standard Chartered Credit Card and Standard Chartered cobranded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only.

Risk Disclosure

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.

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 and Conditions of relevant Securities Services before making any investment decision.

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).

Important Notes

Important Notes for MPF:

  • Standard Chartered Bank (Hong Kong) Limited is a distributor of the MPF scheme, a product of Manulife (International) Limited (Incorporated in Bermuda with limited liability). In respect of an eligible dispute arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the governing rules of Manulife’s MPF scheme should be resolved directly between Manulife and the customer.
  • Investment involves risk. Price of units of any constituent funds and the income from them may go down as well as up. Past performance is not an indicative of future performance. Before making any investment decision to invest in a scheme, members should read the MPF Scheme Brochure for more detailed information (including risk factors, fees and charges) on the scheme and its constituent funds. Investors should ensure they fully understand the risks associated with the scheme, and should also consider their own investment objective and risk tolerance level. If in doubt, please seek independent financial and professional advice.
  • This webpage does not constitute any offer, invitations or recommendation to any person to enter into any scheme or any transaction described therein or any similar transaction. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

Important Notes for Investment Fund:

  • 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 for Life Insurance:

  • 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 disclosure, 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.
  • For product details of the relevant insurance plan, please refer to relevant product brochure and policy document. Standard Chartered is an insurance agent of Prudential. All of the above general tax information provided is for reference only, whether to apply for insurance coverage is your own individual decision. You should always consult with a professional tax advisor if you have any doubts. 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. For further information on tax concessions applicable to Qualifying Deferred Annuity Plan / VHIS plans, please refer to www.ia.org.hk/en or 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.

Important Notes for General Insurance:

  • 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”) and MSIG Insurance (Hong Kong) Limited (“MSIG”) which are general insurers authorized and regulated by the Insurance Authority of Hong Kong. Standard Chartered Bank (Hong Kong) Limited is an insurance agent appointed by Allianz and MSIG. To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.
  • All General Insurance plans, offered by Allianz and MSIG, are only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

Important Notes for 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.

Notes:

  • 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.

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