LiveBetter is accessible through the DBS digibank HK app. There are several entry points to LiveBetter:

a: Post-log-in under the ‘Home’ tab:
LiveBetter product card below banking and credit card accounts

b: Post-log-in under the ‘More’ tab:
LiveBetter product icon under ‘Quick Access’

LiveBetter Funds help you identify all Securities and Futures Commission (SFC) authorised ESG funds ¹ which incorporate environmental, social and governance (ESG) factors as their key investment focus and reflect them in their investment objective or strategy.

Step 1: Log in and go to “Invest” > “Funds”
Step 2: Scroll down and tap “LiveBetter Funds” section to view all LiveBetter Funds at a glance
Step 3: Tap the fund to view detailed information, including investment strategy, fund performance, etc.

With a DBS Treasures Multi-Currency Savings Account, you can:

• Diversify your savings options with a choice of up to 14 currencies;
• Take advantage of favorable movements in foreign exchange rates by converting your deposits without hassle;
• Enjoy the convenience of receiving foreign currency deposits directly to your account.

With a Wealth Management Account, you can:

• Grow your wealth by investing in equities, bonds, investment funds, designated structured investment products;
• Enjoy our Online Equity Trade service with access of up to 7 international stock markets with DBS digibank HK;
• Make FX trades any time¹ of day or night at preferential rates by using DBS digibank HK or DBS iBanking;
• Access to the online Financial Need Analysis (FNA) and enable us to provide you with more relevant investment services.

To join DBS Treasures on DBS digibank HK, make sure you are:

• New to DBS or existing DBS Credit Card Customer
• Hong Kong Permanent Resident aged 18 or above
• Not a US Resident, US citizen or holding a US Permanent Resident Card (Green Card)

If you do not meet the above requirements to apply via the app, please make an appointment to open your account at our branch.

Simply search for DBS digibank HK from the Apple App Store or Google Play Store and download it to start your application journey. For the best experience, we recommend iOS 12.0 and Android 7.0 or above. Devices such as iPhone 5, LG V30, V40, LG-H961N, Mi MIX 2S, Mi Mix 3 and Sony Xperia XA2 Ultra are not recommended.

We recommend you use a mobile device with a 64-bit processor. Please note DBS digibank HK is not optimised for usage on tablets.

All information you provided (including but not limited to name, date of birth, address and HKID number, any photo images, videos or documents) and documents or any other information provided or obtained in the process of account opening with DBS Bank (Hong Kong) Limited will be encrypted throughout the transmission.  Information collected with be used for account opening purposes only.

It takes 10 minutes to complete the application journey via DBS digibank HK.

You will need the following:

• Permanent Hong Kong Identity Card
• Residential address proof within the last 3 months

You might also need to submit the following additional document(s):

• Employer’s Consent, if you are employed under a financial institution;
• A Tax Declaration Form, if you are a tax resident of a country/jurisdiction other than Hong Kong;
• Certificate of Loss of Nationality of the US, if you were previously a US citizen, resident or Green Card holder.

You will need to upload a full image of your residential address proof.
Examples of address proof are:

• A recent utility bill issued within the last 3 months,
• A statement issued within the last 3 months by regulated financial institutions,
• Mobile phone or pay TV statement issued within the last 3 months.

You can upload the required document(s) in GIF, JPG, TIF, PDF files up to 5MB.

This helps us to validate your HKID and verify that you are the HKID card holder.

Here are some tips to capture your HKID:

• Place your HKID on a light colour background
• Place the whole HKID within the frame and tap the button according to the screen instruction
• Ensure the details captured are clear without any glare or shadows
• Capture both the front and the back of your HKID

Please click to view detailed instructions and watch our education video.

Here are some tips to capture your selfie:

• Make sure the camera is leveled with your face
• Position yourself against a plain background
• Sufficient lighting, avoid backlighting
• Avoid direct sunlight
• Avoid wearing sun glasses, hat
• Camera needs to be focus
• Ensure only your face is in the picture
• Read aloud the 3 digits according to the on-screen instruction

Please click to view detailed instructions and watch our education video.

You can save your application during the process and resume it within 90 days after your User ID is created by logging in to DBS digibank HK. After your account is successfully opened, you can also enjoy both online and mobile banking services by logging in with the same User ID and password.

Yes. After creating your User ID and Password, your application is saved and can be resumed on another mobile phone.

The application will only be available for 90 days for completion and submission. After this duration, you will need to start a new application.

If you have forgotten your User ID or Password, you cannot retrieve them, nor resume your application via DBS digibank HK. Please visit branch to join DBS Treasures.

You can contact our 24-hour dedicated Customer Service Hotline at 2290 8812 for enquiries or assistance.

You need to accept the Terms and Conditions below:

• Relevant DBS Services Terms & Conditions
• Important Notice
• Important Disclosure
• Declarations for Customers Onboarding

After you have completed the application via DBS digibank HK, you will receive an email notification once your account has successfully been opened.
In some cases, we may contact you for more information or documents. We will notify you of the application status two working days after your application submission.

You can start enjoying the banking services once you have deposited money via either one of the methods below:

• Online funds transfer from other local bank accounts registered in your name; or
• Cheque deposits at a DBS teller counter using the cheque in your name; or
• Cash deposits at a DBS teller counter with HKID verification.

You can register for FPS to receive funds via DBS digibank HK in a few simple steps:

Step 1: Log in to DBS digibank HK
Step 2: Go to Settings > Transfer Settings
Step 3: Click “Register” at your mobile number or email address, and set DBS as Default Receiving Bank
Step 4: Follow on-screen instructions and complete registration

After successful FPS registration, you can then log in to other local banks’ internet banking or mobile banking app to perform online funds transfer and send money to your mobile number or email address registered with FPS.

Please click here for step-by-step guide.

After your initial fund in, you can apply for your ATM card via DBS digibank HK at your first login. You will receive your ATM card within 5 working days. Upon receiving your ATM card, you can activate your ATM via DBS digibank HK. You can also apply for the ATM card at any of our branches.

We will designate a DBS Treasures Relationship Manager (TRM) to manage your wealth. Once we’ve assigned the TRM to you, we will notify you the contact details of your TRM via SMS. Alternatively, you can check the contact details of your TRM by logging in to DBS iBanking or DBS digibank HK.

Accounts of other currencies will be created automatically once you transfer funds from your account to that designated currency.

It usually takes up to 1 working day for us to review your application. You will receive an email/SMS once your Wealth Management Account is open. You can transfer money from your Multi-Currency Savings Account to your Wealth Management Account to start investing.

Yes. With one account, you can trade equities in Hong Kong, Singapore, U.S., Canada, Japan, Australia and United Kingdom. If you would like to trade in the U.S. and Canada markets, please submit a W-8BEN form at any of our branches.

If you select “eStatement and paper statement” when joining DBS Treasures via DBS digibank HK, you will start receiving paper statements and advices after your Wealth Management Account is successfully opened. You’ll only receive electronic statements for your Multi-Currency Savings Account until your Wealth Management Account is opened. You can update your statement and advice preferences via DBS iBanking anytime.

You will receive an SMS from the following phone numbers: 852 6496 7801 0201, 852 6496 7801 0202, 852 5337 6201 or 852 6457 9403.

Online account opening via DBS digibank HK allows you to join DBS Treasures anytime when you are in Hong Kong with GPS switched on in your device. We may invite you to visit one of our branches in Hong Kong and provide further information/documents and/or go through identity verification to complete the account opening process.

Both a Multi-Currency Savings Account and Wealth Management Account (including an investment account) will be opened in one go via DBS digibank HK.

With a DBS Treasures Multi-Currency Savings Account, you can:

• Diversify your savings options with a choice of up to 14 currencies;
• Take advantage of favourable movements in foreign exchange rates by converting your deposits without hassle;
• Enjoy the convenience of receiving foreign currency deposits directly to your account.

With a Wealth Management Account, you can:

• Grow your wealth by investing in equities, bonds, investment funds, designated structured investment products;
• Enjoy our Online Equity Trade service with access of up to 7 international stock markets via DBS digibank HK and DBS iBanking;
• Make FX trades any time¹ of day or night at preferential rates by using DBS digibank HK or DBS iBanking;
• Access to the online Financial Need Analysis (FNA) and enable us to provide you with more relevant investment services.

If you would like to use cheque books, you need to apply for Save & Cheque Account by visiting any of our Hong Kong branches.

¹ Foreign Exchange can be conducted 24x7 within Wealth Management Accounts and from 00:00-23:30 within Multi-Currency Savings Accounts. For cross currency transactions between Wealth Management Accounts and Multi-Currency Savings Accounts, this will be subject to the service hours of 09:00-21:00, Monday to Friday. For more details, please refer to Funds Transfer Cut-Off Time.

To join DBS Treasures on DBS digibank HK, make sure you are:

• New to DBS or existing DBS Credit Card Customer
• The People's Republic of China (“PRC”) resident aged 18 or above 
• Holding a valid card format Exit-entry Permit for Travelling to and from Hong Kong and Macao (“Exit-entry Permit”)
• Holding a valid PRC Resident Identity Card
• Physically located in Hong Kong during the account opening with GPS on in your device
• Not a US Resident, US citizen or holding a US Permanent Resident Card (Green Card)

If you do not meet the above requirements to apply via the app, please make an appointment to open your account at our branch in Hong Kong.

Simply search for DBS digibank HK from the Apple App Store/Huawei AppGallery/Xiaomi Market etc. and download it to start your application journey. For the best experience, we recommend iOS 12.0 and Android 7.0 or above. Devices such as iPhone 5, LG V30, V40, LG-H961N, Mi MIX 2S, Mi Mix 3 and Sony Xperia XA2 Ultra are not recommended.

We recommend you use a mobile device with a 64-bit processor. Please note DBS digibank HK is not optimised for usage on tablets.

It takes about 10 minutes to complete the application journey via DBS digibank HK. We may invite you to visit one of our branches in Hong Kong and provide further information/documents and/or go through identity verification to complete the account opening process.

You will need the following:

• Exit-entry Permit in card format
• The PRC Resident Identity Card
• Translated residential address in English/Pinyin and the proof (e.g. valid national identity card or driving license or legal document recognising title to property; or bank statement or utility bill within the last 3 months, etc)

You might also need to submit the following additional document(s):

• Employer’s Consent, if you are employed under a financial institution in Hong Kong;
• A Tax Declaration Form, if you are a tax resident of a country/jurisdiction other than Mainland China;
• Certificate of Loss of Nationality of the US, if you were previously a US citizen, resident or Green Card holder.

You will need to upload a full image of your residential address proof.
Examples of address proof are:

• A government-issued photographic driving license or national identity card containing the current residential address;
• A bank statement, issued by regulated banks in an FATF member country (including Mainland China) within the last 3 months;
• A statement, issued by regulated financial institutions in Hong Kong within the last 3 months;
• A utility bill issued within the last 3 months;
• A lawyer’s confirmation of property purchase, or legal document recognising title to property.

You can also find out more in https://www.dbs.com.hk/iwov-resources/redirection/cn-eidv/resdential-address-proof-en.html.

You can upload the required document(s) in GIF, JPG, TIF, PDF files up to 5MB.

This helps us to validate your Exit-entry Permit and PRC Resident Identity Card and verify that you are the card holder.

This helps us to validate the decrypted information from your Exit-entry Permit and PRC Resident Identity Card. If you prefer not to enable the NFC or your device does not support the NFC, you can still continue with the online application. Upon the application submission, we will invite you to our branch in Hong Kong to complete the account opening process.

Here are some tips to capture your Exit-entry Permit and PRC Resident Identity Card:

• Make sure your card is placed flat (e.g. on a table) and clearly readable
• Ensure all edges of your card are inside the frame
• Ensure the details captured are clear without any glare or shadows
• Follow the instruction to capture both the front and the back of your Exit-entry Permit and PRC Resident Identity Card

Here are some tips to capture your selfie:

• Make sure the camera is level with your face
• Position yourself against a plain background
• Sufficient lighting, avoid backlighting
• Avoid direct sunlight
• Avoid wearing sun glasses, a hat or mask
• Camera needs to be focus
• Ensure only your face is in the picture
• Follow the on-screen instructions to complete the verification

We may invite you to visit one of our branches in Hong Kong and provide further information/documents and/or go through identity verification to complete the account opening process.

The application will only be available for 90 days for completion and submission. After this duration, you will need to start a new application.

If you have forgotten your User ID or Password, you cannot retrieve them, nor resume your application via DBS digibank HK. Please visit our branch in Hong Kong to join DBS Treasures.

You can contact our 24-hour dedicated Customer Service Hotline at 2290 8812 for enquiries or assistance.

You need to accept the Terms and Conditions below:

• Relevant DBS Services Terms & Conditions
• Important Notice
• Additional Important Notices on Personal Information
• Important Disclosure
• Consent for HK Securities Trading
• Declarations for Customers Onboarding

After you have completed the application via DBS digibank HK, you will receive an email notification once your account has successfully been opened.
In some cases, we may contact you for more information or documents, or invite you to visit our branch in Hong Kong to go through identity verification to complete the account opening process. We will usually notify you of the application status 1 working day after your application submission.

Upon account opening, you can start enjoying the banking services once you have deposited money via any one of the methods below:

• Online funds transfer from other local Hong Kong accounts registered in your name; or
• Transfer in via electronic direct debt authorization (eDDA) from other local Hong Kong bank accounts registered in your name on DBS digibank HK app; or
• Cheque deposits at a DBS teller counter using the cheque in your name; or
• Cash deposits at a DBS teller counter with identity verification.

After your initial fund in, you can apply for your ATM card via DBS digibank HK at your first login. Your ATM card will usually be sent to your Hong Kong mailing address within 5 working days. It may take longer time to mail it to a non-Hong Kong address. Upon receiving your ATM card, you can activate your ATM via DBS digibank HK. You can also apply for the ATM card at any of our Hong Kong branches.

We will designate a DBS Treasures Relationship Manager (TRM) to manage your wealth. Once we’ve assigned the TRM to you, we will notify you of the contact details of your TRM via SMS. Alternatively, you can check the contact details of your TRM by logging in to DBS iBanking or DBS digibank HK.

Accounts of other currencies will be created automatically once you transfer funds from your account to that designated currency.

It usually takes up to 1 working day for us to review your application. You will receive an email/SMS once your Wealth Management Account is open. You can transfer money from your Multi-Currency Savings Account to your Wealth Management Account to start investing.

Yes. With one account, you can trade equities in Hong Kong, Singapore, U.S., Canada, Japan, Australia and United Kingdom. If you want to trade in the U.S., please submit a W-8BEN form at any of our Hong Kong branches or via DBS digibank HK. To submit a W-8BEN form vis DBS digibank HK, tap “Invest” > “Investment Account Management” section after login.

If you select “eStatement and paper statement” when joining DBS Treasures via DBS digibank HK, you will start receiving paper statements and advices after your Wealth Management Account is successfully opened. You’ll only receive electronic statements for your Multi-Currency Savings Account until your Wealth Management Account is opened. Please note that there is a monthly charge of HK$5 for paper statement. You can update your statement and advice preferences via DBS iBanking anytime.

You will receive an SMS from the following phone numbers: 852 6496 7801 0201, 852 6496 7801 0202, 852 5337 6201 or 852 6457 9403.

You can reset your password via DBS digibank HK. Please click Forgot "Password" on the login page to reset it.

Get ready your:

• ATM Card number and ATM PIN, or
• Credit Card number and Card Expiry Date, or
• Cashline Card number and Card Expiry Date, or
• Secure Device

You may also complete and return the DBS iBanking Service Request Form to any of our branches to reset your password.

DBS digibank HK is a free service provided by our bank. Service charges will only be levied for designated services. For details, please refer to our Bank Charges Schedule.

However, your telecommunications service providers may impose data charges. Please check with your service providers for details.

All you need is any Apple iPhone with iOS 12.0 or higher, or an Android device running Android 7.0 or higher. Simply download DBS digibank HK from Apple App Store, Google Play Store or Huawei App Gallery.

We recommend you use a mobile device with a 64-bit processor. Please note DBS digibank HK is not optimised for usage on tablets.

You can access DBS digibank HK wherever your mobile device connects to the Internet. Please be reminded that data roaming charges may apply. For details, please contact your telecommunication service providers.

DBS Treasures, DBS Treasures Private Client and DBS Private Banking clients can enjoy the following 5 innovations at DBS digibank HK:

• Trade in 7 international equity markets^* and FX 24x7¹
• Get the full picture with the Dashboard in complete clarity
• Portfolio Overview and Analysis^*
• A comprehensive range of Customised Price Alerts and Investment-related Notifications
• Research and Proprietary Insights

In addition to the improved layout with more intuitive navigation, our DBS digibank HK comes with these exciting features:

• Peek Balance: Check your balance in one swipe. No login required!
• Fingerprint Login: Log in to your account securely with just your fingerprint.
• Single-view Dashboard: We're sparing you the hassle – you can now view all your accounts in a single dashboard!
• Quicklinks: Access your frequently-used services with the new drag and drop quick links function.
• Personalized Profile: Customize your own profile with a picture or nickname.
• Payee List: View all your payees right from the dashboard page and manage them on the go.

Plus, you can continue to enjoy these key services:

• Check account balances, Wealth Management Investment Portfolio^*, and Transaction History
• Transfer funds to self-named accounts within DBS
• Transfer funds to registered or non-registered accounts in DBS or other local banks
• Pay bills
• Trade local securities
• Open time deposit account and change time deposit maturity instruction
• View e-Coupon

^*For DBS Private Bank, DBS Treasures Private Client and DBS Treasures customers with Wealth Management Investment Portfolio

¹Foreign Exchange can be conducted 24x7 in Wealth Management Accounts and from 00:00-23:30 in Multi-Currency Savings Accounts. Cross currency transactions between a Wealth Management Account and a Multi-Currency Account are accepted within the service hours of 09:00-21:00, Monday to Friday. For more details, please refer to www.dbs.com.hk/ibanking/ft-time1.html.

An OTP is a security feature in DBS digibank HK, a password sent by us to your registered mobile phone number via Short Message Service (SMS). An OTP is required when you perform designated transactions through DBS digibank HK.

Important Note:
The SMS will not be forwarded to any other mobile phone numbers, even if you have signed up for SMS forwarding with a Hong Kong telecommunication service provider.

With the implementation of the Secure Device, depending on the services you need, you are required to use SMS OTPs and/or the Secure Device to authenticate your transactions.

Please click here for more information.

You may follow these steps:

The OTP expires 100 seconds after it is issued. If you are not able to enter the OTP and log on to DBS digibank HK before it expires, you can click on "Request a new OTP" on the OTP input page.

If you are not able to confirm the transaction before the OTP expires, you can request a new OTP at the OTP authorisation page, and then enter the new OTP to confirm that transaction again.

If you are an existing DBS iBanking customer, you may request for a Secure Device through DBS iBanking (just click on "Request", then "New Secure Device") or at any of our branches in Hong Kong.

It is free of charge for first time applications for the Secure Device and for replacements due to out of battery. In case of loss, theft or malfunctioning of the Secure Device, a fee of HK$100 will be charged for a replacement of the Secure Device.

If you do not activate the Secure Device, you will not be allowed to perform certain transactions on DBS digibank HK. You can log in to DBS digibank HK, go to “More” > “Activate Secure Device” and activate the Secure Device anytime.

Peek Balance lets you check your preferred account balance with a simple swipe on your smartphone or Apple Watch. No login required! You can select your preferred account from your DBS deposit or credit card accounts.

Yes, you have a choice. Peek Balance requires a one-time setup after you log in to DBS digibank HK, under “Peek Balance” in “More” tab . Without performing this setup, Peek Balance will not be turned on.

Your fingerprint is your password. With fingerprint login, accessing your accounts is faster, easier and more secure.

Fingerprint login is available on Touch ID enabled Apple smartphone running on iOS 12.0 or higher and fingerprint enabled and designated Android smartphone operating on v7.0 or higher.

We recommend you use a mobile device with a 64-bit processor. Please note DBS digibank HK is not optimised for usage on tablets.

For technical support of Apple iPhone Touch ID, please refer to Apple’s article If Touch ID isn't working on your iPhone or iPad.

For technical support of Android Fingerprint Login, please refer to the website of the relevant Android Smartphone Brand.

Yes. You can enable Face ID under Personalization Settings in DBS digibank on iPhone X or later.

To use Face ID in DBS digibank, you will need to turn on Face ID for digibank in your iOS Settings.

We will provide app updates to support the latest models of mobile devices from time to time. You are advised to update the DBS digibank app once available for best experience.

For features and usage of Face ID, please refer to Apple’s article About Face ID advanced technology.

If you have not performed the one-time setup on your new iPhone X or later to enable Face ID, you will not be able to use Face ID and you can continue using your username and password to log in-to DBS digibank HK. If you have performed the one-time setup to enable Face ID, you can always turn it off under “Face ID” in “More” tab.

You can check the account balance and transaction history of the following types of account:

• Investment
• Investment Fund Account
• Securities Account
• Investment ID Account
• Deposits
• Current Account
• Savings Account
• Save & Cheque Account
• Multi-currency Savings Account
• Renminbi Savings Account
• New Generation Easy Saver Plan
• Time Deposit Account
• Credit Card
• Loans
• Cashline Revolving Loan Account
• Personal Instalment Loan
• Salaries Tax Loan
• Home Loan Account
• Portfolios

The following functions are available:

• Place Order
• Holdings
• Order Status
• Transaction History
• Market Information

You are able to trade in Hong Kong market only.

After you have entered and confirmed your instruction, a reference number will be provided. This only acknowledges the Bank's receipt of your instruction. There is no guarantee that your instruction will be processed or executed in the market. Your instruction may be rejected or not be executed due to fluctuations in stock price, insufficient market liquidity, system delayed/failure or any other event beyond the control of the Bank. You can check the status of your instruction under “Order Status” of “Securities Trading”.

As the initial order remains queuing in the market pending processing notwithstanding subsequent placement of an amendment order or cancellation order, such amendment order or cancellation order may not be transacted or processed. You are advised to check your order status under “Order Status” of “Securities Trading”.

Please refer to our Bank Charges Schedule.

The Stock Exchange of Hong Kong Limited (SEHK), a wholly-owned subsidiary of HKEx, and Shanghai Stock Exchange established mutual order-routing connectivity and related technical infrastructure to enable investors of their respective market to trade designated equity securities listed in the other’s market. For more details, please refer here.

Yes. Under Shanghai Hong Kong Stock Connect, the stock settlement date (T+0) and the cash settlement date (T+1) do not fall on the same day. For details, please refer to here.

DBS Online Trading Platform is a new DBS online platform on DBS digibank HK and DBS iBanking offered to our customers for trading of equities through their Securities Account under the DBS Private Bank Master Agreement (for DBS Private Bank Clients) / Wealth Management Securities Account under the DBS Treasures Private Client Terms and Conditions (for DBS Treasures Private Clients ) / Wealth Management Securities Account under the Terms and Conditions for Accounts under Wealth Management Investment Portfolio (Wealth Management Accounts) (for DBS Treasures).

You are able to trade in seven major markets of Hong Kong, Singapore, United States of America, Canada, Japan, Australia and the United Kingdom. You can access the trading platform via DBS digibank HK/DBS iBanking anytime anywhere to view your portfolio and place trades in any of the seven major markets. You can choose the eligible portfolios displayed to be the designated account for your online purchase and sale of equities through the Bank. Equities traded through DBS Online Trading Platform will be treated as part of your assets under management with the Bank.

For more information, please click here.

You can change the maturity instruction of your time deposit through the function of " Change Maturity Instructions " under Place Time Deposit in DBS digibank HK. Change of maturity instruction through DBS digibank HK will only be accepted if the instruction is given at least 1 business day before the maturity date. If you would like to change the maturity instruction on the maturity date, please visit any of our branches for further enquiry.

• Southbound Wealth Management Connect allows qualified GBA mainland investors to invest in selected eligible wealth management products sold by banks in Hong Kong through designated channels.
• Customers first need to set up a bank account with cross-border remittance function with the partner bank in the Mainland designated by the Bank in Hong Kong ("Mainland Remittance Account"), and the Customers also need to open a GBA Wealth Management Connect Southbound Account (“Southbound Account”) with investment function in the Bank in Hong Kong and bind it to the corresponding Mainland Remittance Account to form a "one-to-one" pairing.
• Customers can remit to the Southbound Account in Hong Kong through the Mainland Remittance Account and purchase qualified wealth management products sold by the Bank in Hong Kong through the Southbound Account.

Mainland investors should meet all the requirements set by both the Mainland and Hong Kong regulatory authorities, including

• Investment in single name account;
• Have full capacity for civil conduct;
• Being residents registered in the 9 GBA cities, or with record of social security contribution or individual income tax payment in the 9 GBA cities for 5 consecutive years;
• With 2 or more years of investment experience and net month-end household financial assets of RMB 1 million or more over the past 3 months, or month-end household financial assets of RMB 2 million or more over the past 3 months;
• As assessed by the Bank of Hong Kong as not belonging to a vulnerable customer.

All the account opening is subject to the Bank’s approval. Further information is available on the website of the Hong Kong Monetary Authority.

Mainland investors should complete the account opening procedure by attestation through a partner bank in Mainland, or open the account through a bank in Hong Kong in person.

Yes, they can. But mainland investors must provide the Mainland Remittance Account number for the Bank in Hong Kong to complete the pairing before activating the Southbound Account.

• The cross-boundary capital flows in Wealth Management Connect will be subject to the total and individual investor quota management, and will be conducted and managed in a closed-loop system by bundling the Mainland Remittance Account and Southbound Account to ensure that the relevant funds will only be used to invest in eligible investment products. Thus, customers can only use the Mainland Remittance Account bound in the Mainland to make cross-border remittances, collection and receive investment returns under Southbound Connect.
• The funds in the Southbound Account can only be used to purchase eligible wealth management products and for outward remittance to the Mainland Remittance Account.
• Customers are not allowed to transfer funds from the Southbound Account to any accounts (including non-Hong Kong accounts) other than the Mainland Remittance Account.
• Customers are not allowed to withdraw cash from the Southbound Account or use the asset(s) in the Southbound Account for pledge, leverage, guarantee and other purposes.
• Southbound Account can only receive funds from the Mainland Remittance Account in RMB, and remit funds back to the Mainland Remittance Account in RMB. Regardless of the settlement currency of the eligible wealth management products invested by the customer, when the investment is withdrawn and the funds are remitted back to the Mainland Remittance Account, the funds must be converted back to RMB.
• All cross-border remittances between the Mainland Remittance Account and the Southbound Account must be in RMB, which means the Mainland Remittance Account of our Mainland partner bank can only send or accept RMB funds.
• The Bank in Hong Kong will provide customers with foreign exchange services to purchase eligible wealth management products denominated in Hong Kong dollars and foreign currencies. Customer can also directly invest in eligible wealth management products denominated in RMB in the Southbound Account.

Each eligible Southbound investor can only open one Mainland Remittance Account and one Southbound Account at any time.

• The individual investor quota is calculated on a net basis. The accumulated net remittance amount of the customer to the Southbound Account through the Mainland Remittance Account shall not exceed the individual investor quota at any time.
• The Individual investor quota for each eligible investor is RMB 1 million.
• The usage of the individual investor quota under Southbound Connect is calculated as follows:
  Usage of individual investor quota under Southbound Connect =
  cumulative remittances from the Mainland to Hong Kong and Macao under Southbound Connect – cumulative remittances from Hong Kong and Macao back to the Mainland under Southbound Connect
• Example 1:
  If a customer first remits RMB 500,000 from the Mainland to Hong Kong, then remits RMB 100,000 from Hong Kong to the Mainland, Individual investor quota usage is RMB 400,000 and the Available Quota is RMB 600,000.
• Example 2:
  If a customer first remits RMB 500,000 from the Mainland to Hong Kong, then remits RMB 600,000 investment return from Hong Kong to the Mainland, the individual investor quota usage is RMB -100,000 and the available quota is RMB 1,100,000.
• Subject to the aggregate quota in Q8, if the net transfer of funds into the Southbound Account exceeds the individual investor quota limit, the Bank in Hong Kong will refuse to receive the funds and notify the mainland partner bank to return the bulk remittance to the Mainland Remittance Account.
• In addition, the use of individual investor quota is also affected by the aggregate quota, please refer to Aggregate quota.

The individual investor quota is subject to changes by regulatory authorities from time to time.

Aggregate quota is the total amount of funds that is allowed to be remitted from the Mainland to Hong Kong and Macao under Southbound Connect. The aggregate quota is calculated on a net basis. The cumulative net remittance from the Mainland under Southbound Connect should not, at any time, exceed the aggregate quota.

• The aggregate quota for the Southbound Scheme is initially set at RMB 150 billion.
• Customers should pay attention to the possible impact of the limit on the total amount and related risks. For example, the Bank in Hong Kong may suspend processing of a customer's Southbound - related remittance instructions from the Mainland to Hong Kong due to the total amount being used up. Remittances returned to the Mainland and investment instructions that have been submitted to the Southbound Account will not be affected.
• The aggregate quota is subject to changes by the regulatory authorities from time to time.

Wealth management products under Southbound Connect include

• Investment products (excluding products listed and traded on the Hong Kong Exchanges and Clearing Limited)
  The following products, which are assessed as “non-complex” and “low” risk to “medium” risk by Hong Kong banks distributing such products:
  (1) funds domiciled in Hong Kong and authorised by the Securities and Futures Commission; and
  (2) bonds
• Deposits
  RMB, HKD and foreign currency deposits namely US dollar, Euro, UK Pound Sterling, Australian dollar, New Zealand dollar, Canadian dollar, Swiss Franc, Japanese Yen and Singapore dollar

If you want to suspend DBS iBanking / DBS digibank HK service, please visit our branch or contact our Customer Service Hotline at 2290 8888 for assistance.

You are advised to save or print a copy of your eStatements. You will not be able to retrieve the eStatements once your DBS iBanking / DBS digibank HK service is successfully suspended.

If you want to cancel DBS iBanking / DBS digibank HK service, please visit our branch for assistance.

You are advised to save or print a copy of your eStatements. You will not be able to retrieve the eStatements once your DBS iBanking / DBS digibank HK service is successfully cancelled.

If you want to cancel your DBS Bank account, please visit our branch for assistance.

If you want to close your DBS bank account, please submit your online request via this link go.dbs.com/hk-close-en and we will contact you within 2 working day to handle your request.

You are advised to save or print a copy of your eStatements. You will not be able to retrieve the eStatements once your DBS iBanking / DBS digibank HK service is ceased after all accounts closed.

Please make appropriate arrangement for any regular payments or receipts made through the account, such as Standing Instruction (SI), Direct Debit Authorization (DDA), autopay, etc. 

Open Banking allows information to be shared with TSPs (Third-party Service Providers) via API (Application Program Interface). HKMA promotes Open Banking to facilitate innovation and enhance customer experience. API is a computer programming approach that bridges between the bank and TSPs to provide more well-rounded services to our customers. Our TSP partners are registered through our partnership onboarding governance process and are continuously monitored to ensure your personal information is secured.

For more information, please click here.