How much do I receive, and when?

HK$200 cash, credited to your Preferred Banking account on or before 30 June 2027 for accounts opened from October to December 2026. The account must still be open on the credit date.

Does the HK$10,000 have to stay in the account throughout?

Yes. Deposit it into the Preferred Banking HKD savings or current account in the month you open and keep at least HK$10,000 there until the end of the fourth month after: 31 March 2027 for a November opening, 30 April 2027 for December.

Can I add the referral number after opening the account?

No. Enter it in the Referral Code field during mobile account opening, or submit Hang Seng's online referee form with it before you open. A customer can be referred only once.

I hold only a Hang Seng credit card. Do I count as new?

The new-customer test covers deposit and Integrated Accounts, and Hang Seng directs principal credit card holders without such accounts to the open-account process. If you held a Hang Seng savings, current or time deposit account in the 12 months before the opening month, you do not qualify.

Can I combine it with Hang Seng's welcome offers?

Hang Seng adds the HK$200 to its HK$15,100 Preferred Banking welcome total, and the balance-growth and PayDay+ rewards run alongside it. The referral terms still let the bank choose one reward if you join more than one Preferred Banking mobile-opening offer, so count on HK$200 from the referral and treat the separate HK$200 mobile-opening rebate as a possible extra.

Should I open Prestige Banking instead?

Only if you can bring HK$1,000,000 of new funds and keep a Total Relationship Balance of HK$1,000,000. The referee then receives the Hillside dinner for two (HK$854) and Prestige's own welcome cash, from HK$6,000 for HK$1,000,000 to under HK$3,000,000 of growth. Below HK$1,000,000, Prestige charges HK$40 or HK$340 a month once the six-month waiver ends.

What happens if I withdraw early or close the account?

Falling below HK$10,000 before the holding period ends loses the reward, and closing Preferred Banking before the 30 June 2027 credit date forfeits it. Hang Seng charges nothing to close an Integrated Account within three months, but the reward goes with it.

New

Hang Seng Bank referral: HK$200 cash for a new Preferred Banking account with HK$10,000

Open a new Hang Seng Preferred Banking (優進理財) account in the Hang Seng Mobile App by 31 December 2026 with our referral number, register e-Banking, then deposit HK$10,000 in the opening month and keep it there until the end of the fourth month after: Hang Seng credits HK$200 cash by 30 June 2027.

Read our full assessment →

Quick answer

Use code KTAUUO for the Hang Seng Bank (恒生銀行) offer. New eligible customers can get HK$200 after meeting the requirement: HK$10,000 or more deposited into the Preferred Banking HKD savings or current account in the month you open, kept there until the end of the fourth month after the opening month. Last verified 2026-11-14.

Reward: HK$200
Referral code: KTAUUO
Last verified: 2026-11-14

Difficulty: Medium
Time to claim: About 5–10 minutes to open in the Hang Seng Mobile App, then about four months holding HK$10,000
Time to payout: HK$200 cash is credited to the Preferred Banking account on or before 30 June 2027 for openings from October to December 2026; the account must still be open on the credit date

Get HK$200 ->Referral code: KTAUUO

Ad / referral links — we may earn a bonus when you sign up.

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How to claim

Check that you count as new to Hang Seng: you hold no HKD or foreign-currency savings, current or time deposit account and no Integrated Account (Prestige Private, Prestige, Preferred Banking or other) with the bank, held none in the 12 months before the month you open, and have never had such an account terminated. You also need an adult Hong Kong Identity Card and must be in Hong Kong.
Tap Claim to open Hang Seng's referral page and keep our referral number (推薦編號) to hand, then install the Hang Seng Mobile App.
By 31 December 2026, open Preferred Banking (優進理財) in the app: choose Mobile Account Opening, enter our referral number in the Referral Code (推薦編號) field, then scan your HKID and take a selfie. You may instead submit Hang Seng's online referee form with our number before opening. The number cannot be added once the account is open. Open it yourself rather than in Branch Assistant Mode: the referral accepts both, but the separate HK$200 mobile-opening rebate does not.
Register for Hang Seng Personal e-Banking as soon as the account opens; the reward requires it.
In the same calendar month, deposit at least HK$10,000 into the Preferred Banking HKD savings or current account: by 30 November 2026 for a November opening, by 31 December 2026 for December. New customers can deposit immediately; withdrawals and other full services begin after two working days.
Keep at least HK$10,000 in that account until the end of the fourth month after the opening month (31 March 2027 for November, 30 April 2027 for December) and keep Preferred Banking open. Look for HK$200 in the account by 30 June 2027 and raise any missing reward with Hang Seng by 31 December 2027.

Eligibility & requirements

Promotion period 1 October to 31 December 2026, for personal customers located in Hong Kong. Commercial and Private Banking customers are excluded, and Hang Seng may vary or end the promotion without notice.
New customers only: no Hang Seng HKD or foreign-currency savings, current or time deposit account or Integrated Account now or in the 12 months before the opening month, and no such account ever terminated. Upgrading an existing Hang Seng account does not count.
Hang Seng's English terms, which prevail over the Chinese version, require the account to be opened through the Hang Seng Mobile App and e-Banking to be registered.
Deposit HK$10,000 or more into the HKD savings or current account in the opening month and keep it there until the end of the fourth month after: October openings to 28 February 2027, November to 31 March 2027, December to 30 April 2027. A time deposit does not meet this condition.
Our referral number must be entered during account opening or registered through the online referee form before you open. If more than one person refers you, the first referee-form entry counts; a customer can be referred only once, and two people referring each other void the referral.
HK$200 cash is credited to the Preferred Banking account on or before 30 June 2027. If that account is no longer valid on the credit date, the reward is forfeited without notice. Enquiries must reach Hang Seng by 31 December 2027.
Hang Seng's Preferred Banking page adds the HK$200 to its HK$15,100 welcome offers (HK$15,300 in total). The referral terms also allow the bank to decide which reward to pay if you take part in more than one Preferred Banking mobile-opening offer, such as the separate HK$200 mobile-opening rebate.
Prestige Banking (HK$1,000,000 Total Relationship Balance growth) and Prestige Private (HK$8,000,000) referrals give the referee a Hang Seng Exclusive three-course dinner for two at Hillside, Kimpton Tsim Sha Tsui (valued at HK$854) rather than cash, on top of those tiers' own welcome offers.

Verification notes

Minimum spend/deposit: HK$10,000 or more deposited into the Preferred Banking HKD savings or current account in the month you open, kept there until the end of the fourth month after the opening month
Last verified: 14 November 2026

Official source

Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.

Pros

HK$200 cash for HK$10,000 kept about four months: roughly 6% a year on the money tied up, with no investment, credit card or payroll switch needed.
Preferred Banking has no minimum balance requirement and no below-balance fee.
The same HK$10,000 deposit also meets the separate HK$200 mobile-opening rebate when you open in the app yourself.
The account opens in the app in minutes and can take deposits straight away.
Hang Seng is a licensed bank and a Deposit Protection Scheme member in its own right, listed separately from HSBC.

Watch out for

The cash arrives only by 30 June 2027, two to four months after the holding period ends.
The HK$10,000 must stay in savings or current, where HKD savings pay 0.001% a year, not in a higher-rate time deposit.
Anyone who held a Hang Seng deposit account in the 12 months before the opening month, or who upgrades an existing account, is excluded.
The bank may decline to pay both HK$200 rewards if you qualify for more than one Preferred Banking mobile-opening offer.
Most of the HK$15,100 welcome headline needs a payroll switch, HK$500,000 of balance growth with an investment account, or an annuity paid by credit card.
The Hang Seng Mobile App rates 3.6 on the Hong Kong App Store and 3.2 on Google Play, with frequent complaints about HKID scanning and log-in failures.

FAQ

How much do I receive, and when?: HK$200 cash, credited to your Preferred Banking account on or before 30 June 2027 for accounts opened from October to December 2026. The account must still be open on the credit date.
Does the HK$10,000 have to stay in the account throughout?: Yes. Deposit it into the Preferred Banking HKD savings or current account in the month you open and keep at least HK$10,000 there until the end of the fourth month after: 31 March 2027 for a November opening, 30 April 2027 for December.
Can I add the referral number after opening the account?: No. Enter it in the Referral Code field during mobile account opening, or submit Hang Seng's online referee form with it before you open. A customer can be referred only once.
I hold only a Hang Seng credit card. Do I count as new?: The new-customer test covers deposit and Integrated Accounts, and Hang Seng directs principal credit card holders without such accounts to the open-account process. If you held a Hang Seng savings, current or time deposit account in the 12 months before the opening month, you do not qualify.
Can I combine it with Hang Seng's welcome offers?: Hang Seng adds the HK$200 to its HK$15,100 Preferred Banking welcome total, and the balance-growth and PayDay+ rewards run alongside it. The referral terms still let the bank choose one reward if you join more than one Preferred Banking mobile-opening offer, so count on HK$200 from the referral and treat the separate HK$200 mobile-opening rebate as a possible extra.
Should I open Prestige Banking instead?: Only if you can bring HK$1,000,000 of new funds and keep a Total Relationship Balance of HK$1,000,000. The referee then receives the Hillside dinner for two (HK$854) and Prestige's own welcome cash, from HK$6,000 for HK$1,000,000 to under HK$3,000,000 of growth. Below HK$1,000,000, Prestige charges HK$40 or HK$340 a month once the six-month waiver ends.
What happens if I withdraw early or close the account?: Falling below HK$10,000 before the holding period ends loses the reward, and closing Preferred Banking before the 30 June 2027 credit date forfeits it. Hang Seng charges nothing to close an Integrated Account within three months, but the reward goes with it.

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