Training Example: Hang Seng Bank Limited – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2]
How can we help today?

Card offers & rewards

FX services

e-Valuation

Investment

Stock quote

Rates

[H2]
Beware of fraudsters posing as finance companies to collect debts

Recently, there have been individuals posing as financial companies with your personal or debt details. Please stay alert if you receive calls / SMS demanding repayment, don't transfer money to any third party as instructed. Please note, we won't change your repayment account. If you suspect fraud, call the "Anti-Deception Hotline" (852) 18222 for enquiries.

[H2]
Featured offers

[H3]

[H2]
Banking made even easier

[H3] Digital banking made easy

Explore Hang Seng Mobile App features and financial tips for easier banking.

[H3] Products eligible for tax deductions

Learn how VHIS, QDAP, and TVC can help you save on your tax bill.

[H3] A guide to "H plan" and "P plan"

Helps you differentiate between the "H plan" and "P plan" and cope with changes in mortgage rates.

[H2]
Useful information

[H3]
Security information centre
Get the latest scam alerts, fraud prevention tips and banking security reminders to help protect your accounts

View details

[H3]
Important notice
Read latest notices

View details

[H3]
What's new
Learn more about the features of Hang Seng Mobile App

View details

[H2]
Need help?

[H3]
Chat with H A R O

Get 24/7 support from our Virtual Assistant.
Start chat

[H3]
Visit our branches

Find your nearest branch

Back to top

[H2]
Footnote
[H3]
Remark(s)

[IMG: Deposit Protection Scheme Member]

I can answer your enquiries and perform simple transactions instantly! Chat with H A R O now!

I can answer your enquiries and perform simple transactions instantly! Chat with H A R O now!

Chat with H A R O now

0
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[H2]
Online Important Notices

[H3]
Online Terms & Conditions

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Privacy Notice

[H3]
Privacy Policy

[H3]
Cookies Policy

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Cross Border Disclaimer

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Online Terms & Conditions

By accessing this website and any of its pages you are agreeing to the terms set out below and by continuing to use this website following the posting of any changes to these terms will signify your consent to the changes made.

[H4]
General

This website should not be regarded as communicating any offer, solicitation or recommendation to any person by Hang Seng Bank Limited (“Bank”) or any of its affiliates .
The information contained in this website does not constitute and should not be regarded as professional investment advice or any other advice. Persons accessing this website should obtain appropriate professional advice where necessary.
Any information, products or services supplied in this website may be withdrawn or amended at any time without advance notice at the discretion of the Bank. The eligibility of clients for particular information, products or services is subject to the final and absolute discretion of the Bank.
It is your sole responsibility to prevent, safeguard and ensure that no computer virus enters your system and this website.
These terms shall be governed by and construed in accordance with Hong Kong law. You submit to the non-exclusive jurisdiction of the Hong Kong courts but these terms may be enforced in the courts of any competent jurisdiction.

[H4]
Application Forms

Please read the following carefully BEFORE you retrieve, print or complete any of our application forms:
For the avoidance of doubt, in case of any inconsistency, contradiction or difference of whatever kind between our application forms shown or appeared on screen (the "Visual Form") and such application form in printed format (the "Printed Form"), the Visual Form shall prevail.
Upon completing and signing the Printed Form, you shall be deemed to have read and understood the contents of the Visual Form and have agreed to all the provisions contained therein and to have agreed and undertaken not to raise any objection whatsoever in connection with any inconsistency, contradiction or difference of whatever kind between the Visual Form and the Printed Form.

[H4]
Security Reminder

We prioritise your security with strict standards and procedures to prevent unauthorised access to your information. Please note that we'll never ask you to provide or verify personal details like your username, password or account number via email or other communication methods. If you receive such requests, please report to us immediately at (852) 2822 0228. Always make sure you're communicating with us through our official website www.hangseng.com and avoid clicking any hyperlinks embedded in emails.

[H4]
Internet Communications

Messages sent over the Internet cannot be guaranteed to be completely secure. The Bank will not be responsible for any damages incurred by users as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Bank at the users' request, over the Internet. The Bank is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.
Communication over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.

[H4]
Linked Websites

Use of hyperlinks to other internet sites or resources are at users' own risk. The contents, accuracy, opinion expressed, and other links provided at these sites are not investigated, verified, monitored, or endorsed by the Bank. The Bank expressly disclaim any responsibility for the accuracy, contents, availability or omission of information found on sites that link to or from this site. Users are solely responsible for making all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. The Bank emphasize that all activities conducted by users via or at this website are at their own risk. The Bank does not warrant the security of any information users may forward or be requested to provide to any third parties. Users are deemed to have irrevocably waived any claims against the Bank for any loss or damage suffered as a result of any access to or interaction with any other websites via this site.
The Bank may include hyperlinks to other Hang Seng Bank Group websites for your convenience. The products and services offered on these websites may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content. The terms and conditions governing the use of the website of each Hang Seng Bank Group entity may differ and you should consult and carefully read the applicable terms and conditions before using the website.

[H4]
Disclaimer

While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "as is" without warranty or representation of any kind, express or implied. In particular, no warranty or representation regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus, Trojan horses, worms, software bombs or similar items is given in conjunction with such information and materials.

[H4]
Copyright, Trade Marks

The Bank and other parties own the trade marks, logos and service marks displayed on this site and users are prohibited from using them without written permission of the Bank or such other parties.
All contents on this website including but not limited to the text, graphics, links and sounds are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, reused, reposted, reverse engineered, decompiled, used for creating derivative works or used in any other way for commercial or public purposes without the Bank's prior written consent.

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

[H3]
Privacy Notice

[H4]
Privacy Notice

Privacy Notice (Alternative name: Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance)*
* Applicable to customers and individuals who have established a relationship with the Bank on or after 16 June 2014, or otherwise consented to this version of Notice. If you have established a relationship with the Bank before 16 June 2014 and have not consented to this version of Notice, please click here.

[H3]
Privacy Policy

[H4]
Welcome

In this Privacy Policy, "Hang Seng", "we", "us" or "our" means the Hang Seng Bank Limited.
We have built our business on trust between our customers and ourselves. To preserve the confidentiality of all your personal data shared with us, we adopted our Data Privacy Principles. By maintaining our commitment to these Data Privacy Principles, we will ensure that we respect the trust you place in us.

[H4]
Our Data Privacy Principles

Transparency
We will:
be clear and transparent about how we collect and use data; and
give data subjects any required statements on how we may use their data. Data subjects include personal customers, corporate customers, representatives and non-affiliated third parties (such as vendors and their representatives).
Fair and lawful usage
We will only collect, process and store data:
lawfully; and
if we have a legitimate reason.
Limited purposes
We will:
collect and process data for specific and lawful purposes; and
not use it for other purposes unless we take all steps required under any data privacy laws and regulations which apply.
Data minimisation and adequacy
When we collect, retain and process data, we will strike an appropriate balance between:
processing sufficient data to carry on our business and achieve any specified lawful purposes; and
ensuring that we do not collect, retain or process excessive amounts of data.
Data quality and accuracy
We will:
maintain appropriate standards of data quality and integrity; and
implement policies for data accuracy. This includes taking steps to avoid data becoming out of date where appropriate.
Privacy by Design
We ensure:
that new products and services, or changes to existing products or services, are designed to respect data privacy laws; and
every individual who works with personal data is aware of their legal obligations and their responsibility to follow these principles.
Data security and retention
We will:
retain data securely, implement appropriate data retention policies, and dispose data securely once it is no longer required; and
ensure that we will only authorise those with a legitimate justification to access such data.
Training and awareness
We will ensure our employees are properly trained on their obligations for processing your data.

Data subject rights
We will ensure that data subjects’ rights are observed as set out in applicable data privacy laws and regulations.

Third parties
We will require any vendor or agent to apply standards equivalent to these Data Privacy Principles. We will only disclose data to:.
governmental or judicial bodies;
law enforcement agencies; or
our regulators,
where this is allowed by any laws and regulations which may apply.

Data transfers
Sometimes we may transfer data to another HSBC Group entity and/or third party (local and/or overseas). We will:
ensure such data transfer is lawful; and
assure the recipient applies the same, or equivalent, standards as these Data Privacy Principles.
We will, at all times, observe the Personal Data (Privacy) Ordinance ("the Ordinance") of the Hong Kong SAR in collecting, maintaining and using the personal data of customers as per the Privacy Notice.

[H4]
Contact Us

You can ask us for:
access to your personal data or correction of your personal data; or
information regarding policies and practices on personal data and the kinds of personal data held.
You will need to address your request to:
Data Protection Officer
Hang Seng Bank Limited
83 Des Voeux Road Central
Hong Kong SAR
Fax: (852) 2868 4042

[H4]
Marketing Promotions

We collect your personal data
We only collect personal data from you if you agree to share it with us. Occasionally, we may collect personal data from you when you:
visit this site or our mobile application; or
when you give us your consent in other connections (e.g. when you participate in a contest or promotion.
The Privacy Notice governs the collection and use of your personal data.
We may use your personal data:
to inform you of products, services and other marketing materials. We usually do this if we think they may be of interest to you;
to invite you to take part in market research, surveys and other similar activities via us or our external research agencies; and
for direct marketing
You can find more details in the direct marketing section of the Privacy Notice.

You can opt out of our marketing
You can choose to receive marketing and other promotional materials by post, SMS, MMS, phone, email or push notification. You may opt out at any time. You can tell us if you wish to opt out via our branches, customer service hotline, e-Banking or mail. Marketing push notifications can only be turned off via mobile application.
You can ask us to stop sending you direct marketing promotions by calling:
(852) 2998 8022 for Prestige Private Banking customers
(852) 2998 9188 for Prestige Banking customers
(852) 2822 8228 for Preferred Banking customers
(852) 2822 0228 for other customers
We will take action on your request within 30 days at no cost to you.

[H4]
Use of Big Data & Artificial Intelligence ("BDAI")

BDAI enables companies to process and analyse data at a scale. This has never been possible before. We are using big data and AI to:
bring benefits to our customers, for example, by improving customer service;
manage risks for ourselves and our customers;
better identify and offer relevant products and services to customers; and
improve operational efficiencies.
Using BDAI brings new responsibilities. We must ensure that BDAI is used ethically. We have a set of principles to help us do this. You can find our Principles for the Ethical Use of Data and Artificial Intelligence here.

[H3]
Cookies Policy

[H4]
Welcome

In this Cookies Policy, "Hang Seng", "we", "us" or "our" means the Hang Seng Bank Limited.

[H4]
Use of Cookies

We may gather the following information using cookies.

What are cookies?

Cookies are text files with small pieces of data. They are automatically stored on your browser. Cookies can be read by:

our website and application; and
other websites and applications that recognise the cookies.
Cookies can collect information about your behaviour on websites. They are widely used to store and receive identifiers and other information on devices. You can manage your cookies settings at any time.

We may also use other tracking technologies similar to cookies such as pixel tags, and tracking URLs for similar purposes. This includes collecting data stored on your web browser or device and identifiers associated with your device and other software. In this policy we refer to all of these technologies as "cookies".

You can change or turn off cookies

Most browsers are initially set to allow cookies. You can turn off cookies through your browser settings. Your browser's "Help" function should tell you how to do this. If you turn off cookies, you may not be able to fully use our website and application. For example, you will not be able to log on and use Hang Seng e-Banking services.

You acknowledge that your information and personal data (if any) are being collected, stored, accessed and used as set out in this Cookies Policy while using our website or application unless you have turned off cookies.

How we use cookies

We use cookies to:
So we can:
Record your visit to our website or applica

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[H2]
System Maintenance Schedule
We're committed to enhancing our services, so we regularly update and maintain our banking systems.

During these times, some services might be temporarily unavailable. We apologise for any inconvenience caused.

[H3]
Personal e-Banking services

[H3]
Business e-Banking services

[H3]
Self-service banking facilities

[H3]
Personal e-Banking services

[H4]
Hang Seng Mobile App, Personal e-Banking, Hang Seng Bank Website and Invest Express mobile app
[H5]
Non-Regular Schedule

Date
Service Downtime
Affected Services
Online Channels
31 May 2026 (Wed)
12:00 a.m. to 2 a.m.

Mobile Account Opening
Hang Seng Mobile App
20 mins between 2:00 a.m. to 6:00 a.m.
2:00 p.m. to 4:00 p.m.
31 May 2026 (Sun)
1:30 a.m. to 6:30 a.m.
Personal e-Banking Services
Hang Seng Mobile App
Personal e-Banking
Invest Express mobile app
31 May 2026 (Sun)
1:00 a.m. to 1:30 a.m.
Update Personal Particulars
Update invalid mobile number or email address
Mobile Account Opening
Hang Seng Mobile App
6:30 a.m. to 7:00 a.m.

[H5]
Regular Schedule

Date
Service Downtime
Affected Services
Online Channels
Monday to Friday
About 5 mins between 9:00 p.m. and 9:30 p.m.
Personal e-Banking Services
e-Passbook
Hang Seng Mobile App
Personal e-Banking
Tuesday to Sunday
About 3 mins between 12:00 a.m. and 3:00 a.m.
Saturday
About 5 mins between 6:00 p.m. and 6:30 p.m.
Sunday
3:00 a.m. to 3:30 a.m.
2:30 a.m. to 6:00 a.m.
Mobile Account Opening
Open / Upgrade an Account
Hang Seng Mobile App
2:30 a.m. to 6:30 a.m.
Hang Seng Website Services
Hang Seng Website
3:00 a.m. to 6:00 a.m. the next day
Time Deposit Enquiry
Hang Seng Mobile App
Personal e-Banking
8:00 a.m. to 8:00 p.m.
Substitute Form W-8BEN Submission
Agreement for United States market information display services Submission
Invest Express mobile app
Monday to Friday
8:30 p.m. to 9:00 p.m.
Securities Trading (Share Margin / Trading Limit Accounts)
Investment Funds Trading
IPO Services
Hang Seng Mobile App
Personal e-Banking
Saturday
5:45 p.m. to 6:15 p.m.
Saturday to Sunday
8:00 p.m. to 12:00 noon the next day
FX And Precious Metal Margin Trading Services
FX2 - FX and Precious Metal Trading Services
Hang Seng Mobile App
Personal e-Banking
Friday
12:00 a.m. to 2:00 a.m.
General Insurance application:
Travelsure Protection Plan
Studysure Protection Plan
Personal Accident Insurance Plan
Home Care Plus Home Insurance Plan
Domestic Helper Insurance Plan
Part-time Domestic Helper Insurance Plan
Hang Seng Mobile App
Personal e-Banking
Hang Seng Website
Tuesday to Sunday
About 3 mins between 12:00 a.m. and 4:30 a.m.
Invest Express Services

Invest Express mobile app
About 3 mins between 5:25 a.m. and 5:30 a.m.
1st & 2nd Sunday of each month
1:00 a.m. to 7:00 a.m.

Update Personal Particulars
Update invalid mobile number or email address
Hang Seng Mobile App
Personal e-Banking
Mobile Account Opening
Hang Seng Mobile App
Everyday[1]
Few minutes during 11:30 p.m. to 11:35 p.m.
e-Passbook
Passbook savings account
Transaction history enquiry
Foreign exchange
FX transfers to other Hang Seng accounts
Check instruction status
Hang Seng Mobile App
Personal e-Banking
Saturday[2]
6:00 p.m. to 5:30 a.m. the next day
Tuesday to Saturday
5:20 a.m. to 5:30 a.m.
Travelsure Protection application
Home Care Plus Home Insurance Plan
Hang Seng Mobile App
Personal e-Banking
Sunday
12:00 a.m. to 6:00 a.m.
Travelsure Protection application
Home Care Plus Home Insurance Plan
FX Order Watch / Rate Alert
Hang Seng Mobile App
Personal e-Banking

[H3]
Business e-Banking services

[H4]
Business e-Banking
[H5]
Non-Regular Schedule

Date
Service Downtime
Affected Services
31 May 2026 (Sun)
1:00 a.m. to 6:00 a.m.
eDDA Services
31 May 2026 (Sun)
12:00 a.m. to 6:00 a.m.
FX Order Watch
31 May 2026 (Sun)
12:00 a.m. to 6:00 a.m.
Loan Application Services
7 Jun 2026 (Sun)
2:00 a.m. to 4:00 a.m.
Bill Payment

[H5]
Regular Schedule

Date
Service Downtime
Affected Services
Monday to Friday
About 5 mins between 9:00 p.m. to 9:30 p.m.
Business e-Banking Services
Saturday
12:00 a.m. to 8:00 a.m.
Sunday
12:00 a.m. to 8:00 a.m.
Monday to Friday
8:30 p.m. to 9:00 p.m.
Investment Funds Trading
Saturday
5:45 p.m. to 6:15 p.m.
Sunday
12:00 a.m. to 12:00 noon
Securities and Investment Funds - Profit and Loss Calculation
Sunday
12:00 a.m. to 6:00 a.m.
e-Cheque Services

[H4]
Hang Seng HSBCnet
[H5]
Non-Regular Schedule

Date
Service Downtime
Nil

[H5]
Regular Schedule

Date
Service Downtime
Sunday
12:00 a.m. to 6:00 a.m.

[H3]
Self-service banking facilities

[H4]
Self-service banking facilities
[H5]
Non-Regular Schedule

Date
Time
Service Not Available
From
To
31 May 2026 (Sun)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
7 Jun 2026 (Sun)
1:30 a.m.
7:00 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
14 Jun 2026 (Sun)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
15 Jun 2026 (Mon)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
21 Jun 2026 (Sun)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
22 Jun 2026 (Mon)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
28 Jun 2026 (Sun)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)
29 Jun 2026 (Mon)
2:30 a.m.
6:30 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
(about 30 minutes)

[H5]
Regular Schedule

Date
Time
Service Not Available
From
To
Monday to Sunday
3:00 a.m.
6:00 a.m.
Automated Teller Machine
Foreign Currency ATM
Multifunction Automated Teller Machine
Cash Deposit Machine
Cheque Deposit Machine
System maintenance will be carried out in batches and will be completed within 2 hours.

[H2]
Footnote
[H3]
Other point(s) to note

For non-regular maintenance schedule, please refer to the announcement posted on the home page of Hang Seng HSBCnet from time to time.

[H3]
Remarks

If the last working day of each half-year period (i.e. 30 Jun and 31 Dec) is a Mon to Fri, the service will be suspended from 9:00 p.m. to 11:00 p.m., in addition to 11:30 p.m. to 11:35 p.m.
Foreign exchange related transactions for passbook savings account are processed Mon to Sat. If a public holiday falls on Sat, the service will be suspended from 9:00 p.m. on the last processing day before the holiday to 5:30 a.m. the next day.

[H2]
How can we help today?

Card offers & rewards

FX services

e-Valuation

Investment

Stock quote

Rates

[H2]
Beware of fraudsters posing as finance companies to collect debts

Recently, there have been individuals posing as financial companies with your personal or debt details. Please stay alert if you receive calls / SMS demanding repayment, don't transfer money to any third party as instructed. Please note, we won't change your repayment account. If you suspect fraud, call the "Anti-Deception Hotline" (852) 18222 for enquiries.

[H2]
Featured offers

[H3]

[H2]
Banking made even easier

[H3] Digital banking made easy

Explore Hang Seng Mobile App features and financial tips for easier banking.

[H3] Products eligible for tax deductions

Learn how VHIS, QDAP, and TVC can help you save on your tax bill.

[H3] A guide to "H plan" and "P plan"

Helps you differentiate between the "H plan" and "P plan" and cope with changes in mortgage rates.

[H2]
Useful information

[H3]
Security information centre
Get the latest scam alerts, fraud prevention tips and banking security reminders to help protect your accounts

View details

[H3]
Important notice
Read latest notices

View details

[H3]
What's new
Learn more about the features of Hang Seng Mobile App

View details

[H2]
Need help?

[H3]
Chat with H A R O

Get 24/7 support from our Virtual Assistant.
Start chat

[H3]
Visit our branches

Find your nearest branch

Back to top

[H2]
Footnote
[H3]
Remark(s)

[IMG: Deposit Protection Scheme Member]

I can answer your enquiries and perform simple transactions instantly! Chat with H A R O now!

I can answer your enquiries and perform simple transactions instantly! Chat with H A R O now!

Chat with H A R O now

0
/va/?lng=en-US&ws=WS_EHA&allWorkspace=unlock