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
One lady with brown hair wear blue waistcoat is using her laptop with smile
Premium Banking

Be a winning wage earner — the Premium way

Join Premium Banking to earn up to HK$1,688 — just chill and be rewarded

New Client Welcome Offer

Existing Client Upgrade Offer

New Funds Growth Offer

  • Up to HK$900 cash rebate or 9,000 Asia Miles1,3,4

SC Mobile Account Opening Reward

  • HKD188 cash rebate or 1,880 Asia Miles for successful sign up for Premium Banking via SC Mobile
  • Download SC Mobile now

Welcome Privileges for New Payroll Clients

  • HKD600 cash rebate for monthly salary of HKD50,000 to less than HKD80,000
  • HKD1,200 cash rebate for monthly salary of HKD80,000 or above

Marathon Savings Account

  • Enjoy HKD / USD preferential savings rate

New Funds Growth Offer

  • Up to HK$500 cash rebate or 5,000 Asia Miles2,3,4
  • Learn More

Online Upgrade Reward

  • HKD188 cash rebate or 1,880 Asia Miles for upgrading to Premium Banking online
  • Upgrade now

Welcome Privileges for New Payroll Clients

  • HKD600 cash rebate for monthly salary of HKD50,000 to less than HKD80,000
  • HKD1,200 cash rebate for monthly salary of HKD80,000 or above

Marathon Savings Account

  • Enjoy HKD / USD preferential savings rate

Join Premium Banking

Enjoy our premium services:

Join Premium Banking now

Already an existing client?

  • Online upgrade

Members Get Members

  • Share the experience of being a Premium Banking customer and be rewarded

* 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 HKD300,000 daily to non-registered payees and merchants after increasing your transfer limit on SC Mobile App or Online Banking.

Remarks:

  1. This is an illustrative example. New client can enjoy HKD900 Cash Rebate by fulfilling new funds requirement of HKD800,000 and maintaining the new Total Balance which includes the new funds until the designated date for the Reward. Terms and conditions apply.
  2. This is an illustrative example. Existing client can enjoy HKD500 Cash Rebate by fulfilling new funds requirement of HKD100,000 and maintaining the new Total Balance which includes the new funds until the designated date for the Reward. Terms and conditions apply.
  3. Welcome Privileges of Premium Banking are only applicable to clients who have not been Priority Private, Priority Banking or Premium Banking clients in the past 12 months.
  4. Eligible clients who sign up Premium Banking from 1 January 2024 to 31 March 2024 and choose Asia Miles as the rewards for New Funds Growth Offer must register on or before 30 April 2024. Eligible client may choose to have Asia Miles as the reward on the Bank’s designated webpage at sc.com/hk/AM. Relevant Asia Miles will be credited directly to the eligible client’s Cathay membership account.
  5. Offer only applicable to new and selected clients of Investment Fund Services. For details, please refer to https://www.sc.com/hk/investment/investment-fund-services/
  6. For details, please refer to the Bank’s website sc.com/hk/deposits/savings-accounts/ integrated-deposits-account and the relevant terms and conditions

Important Notice

The minimum balance maintenance fee for Premium Banking clients is removed, with effect on 1 August 2019. For details, please refer to the NOC under Important Information.

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!