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DBS Treasures is committed to becoming your most trustworthy and intelligent financial partner

Customized portfolio insights to keep you ahead
Customized portfolio insights to keep you ahead
  • Customizable insights and alert to help you grasp the latest information about your investment portfolio
  • Trading ideas on Equities, Foreign Exchange and Funds from our Chief Investment Office
Round the clock wealth management platform with Best in town offer
Round the clock wealth management platform with Best in town offer
  • Instant trading of US stocks and enjoy additional 12 months 0% brokerage fee
  • Trade across 7 global markets with 0% brokerage
  • Preferential FX rates in 14 currencies.
  • 250+ Funds in 10 currencies
$0 Handling Fee Revolving Credit Facility to help you Maximize Potential Return
$0 Handling Fee Revolving Credit Facility to help you Maximize Potential Return
  • Exclusive for DBS Treasures customers, a standby revolving credit line of up to HK$10 million
  • Leading function of multi-currency withdrawal and flexible repayment tenor to meet your different cash needs

Terms and conditions apply.
For details of DBS Treasures Welcome Offers, please click here.
^Eligible insurance product refers to any basic plan of life insurance product(s), including single premium or regular premium products, which are distributed by the Bank and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability), and that were applied via any branch of the Bank and being issued.

Risk Disclosure
Bonds, Funds, Equity Linked Products and Paper Gold (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not to be treated as substitutes for time deposits, and are not principal protected.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Securities trading is an investment. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also note that investing in foreign market securities involves currency risk, you may suffer loss because of currency fluctuations. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Foreign Exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Equity Linked Products, some Bonds and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

The price of Paper Gold is volatile and value of the investment may go down as well as up. In the worst-case scenario, you may lose your entire principal. Investment in Paper Gold is not the same as investment in physical gold. Price changes in physical gold might not be reflected in price changes of Paper Gold. You should also be aware of the risk of foreign exchange rate fluctuations and may experience a loss on conversion of the investment back into other currency (including but not limited to your home currency).

Disclaimer
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The life insurance products are underwritten by Manulife (International) Limited (incorporate in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife. The product is an insurance product and is neither a bank deposit nor a bank saving plan. You should not purchase any insurance plans solely on the basis of this promotional offer. Please ask the Bank for a copy of the policy provision, proposal and the product leaflet which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.

The following risk disclosures are made to you by the Bank:
  • For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
  • For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
  • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
  • Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.

Promotion period from 1 January to 31 March 2024

Extra New Funds Reward
Promotion period from 1 February to 29 February 2024
HK$1,000
Keep Active Reward
  • Join DBS Treasures via DBS digibank HK app
  • Log in at least ONCE per month
HK$200
Financial Needs Analysis Reward
  • Set up Wealth Management Accounts
  • Completes Financial Needs Analysis
HK$200
DBS e$aver Bonus Interest Reward
The latest Interest Rate, please click here
Investment Product Take up Reward
Eligible Product Transaction Category
I. Securities
Buy or sell transaction of securities in a single transaction amount of HK$10,000 or above (or equivalent) via Wealth Management Accounts
II. Investment Funds
Lump sum subscription or switching (only for transaction with minimum subscription fee of 1.2% or switching fee of 1%) of Investment Funds in a single transaction amount of HK$10,000 or above (or equivalent) via Wealth Management Accounts
III. Foreign Exchange (“FX”)
FX transactions (excluding USD to HKD exchange transactions and vice versa) in a single transaction amount of HK$200,000 or above (or equivalent) via Wealth Management Accounts
Transaction Requirement
Complete any 1 Eligible Product Transaction Category
HK$300
Complete any 2 different Eligible Product Transaction Categories
HK$400
Complete all 3 different Eligible Product Transaction Categories
HK$500


Overseas Transfer Reward
Successfully completed an online remittance or single overseas fund transfer (excluding any transfer of USD to a Hong Kong local bank) with currency exchange in a single transaction of HK$10,000 (or its equivalent) or above
HK$400
Payroll Reward1
Successfully receives Eligible Payroll Fund in his/her Designated HKD Current & Savings Payroll Account
HK$800
ATM Card Reward
Successfully completes one transaction on local or overseas retail spending via UnionPay (excluding retail spending via EPS) in HKD or any foreign currency or reload amount by Octopus Automatic Add Value Service (“AAVS”) with DBS ATM Card or DBS Octopus ATM Card and has not owned DBS ATM Card or DBS Octopus ATM Card on or before 31 December 2023
HK$200
Investment Product Balance Reward
Designated Investment Product Balance2
HK$200,000 – HK$500,000
HK$800
HK$500,001 – HK$1,000,000
HK$2,000
HK$1,000,001 – HK$3,000,000
HK$4,500
HK$3,000,001 – HK$5,000,000
HK$13,500
HK$5,000,001 or above
HK$22,500

Insurance Balance Reward 3
Maintain Designated Insurance Balance
HK$3,000
Half Year Anniversary Reward
Maintain the monthly Total Relationship Balance of HK$1,000,000 or above within the first 6 months of joining DBS Treasures
HK$1,000
Upgrade Reward
Existing DBS Customer who is upgraded to DBS Treasures and has not held any product or service with the Bank at any time during the 18 months preceding the Joining Date
HK$200


Maintain Funds and Reward Period


Joining date

Funds Counting Period#

Reward Fulfillment Date#

Keep Active Reward and
Half Year Anniversary Reward Fulfillment Date
January 2024
January – March 2024
May 2024
August 2024
February 2024
February – April 2024
June 2024
September 2024
March 2024
March – May 2024
July 2024
October 2024

*  New Customer is required to maintain monthly Total Relationship Balance in the amount of HK$1,000,000 or above (or its equivalent in foreign currency(ies)) from 7th day of Joining Date to Funds Counting Period in order to be eligible for the Promotion.
#The Funds Counting Period and Reward Fulfillment Date apply to the Customer Upgrade Reward, Financial Needs Analysis Reward, Investment Product Take Up Reward, Overseas Transfer Reward, Payroll Reward, ATM Reward and Products Balance Reward.

1. To make your DBS account as your payroll account, please complete and submit the “Notification of Change of Auto-Payroll Account” to your HR Department for them to switch the auto-payroll account to our Bank. Please click here for the form.
2. Designated Investment Product Balance includes Equity Linked Products and Investment Funds
3. For details on Insurance Product Balance Reward, please refer to go.dbs.com/hk-banca-pbr-q1.
4. Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.

Terms and conditions apply.
For details of DBS Treasures Welcome Offers, please click here.
^Eligible insurance product refers to any basic plan of life insurance product(s), including single premium or regular premium products, which are distributed by the Bank and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability), and that were applied via any branch of the Bank and being issued.

Risk Disclosure
Bonds, Funds, Equity Linked Products and Paper Gold (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not to be treated as substitutes for time deposits, and are not principal protected.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Securities trading is an investment. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also note that investing in foreign market securities involves currency risk, you may suffer loss because of currency fluctuations. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Foreign Exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Equity Linked Products, some Bonds and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

The price of Paper Gold is volatile and value of the investment may go down as well as up. In the worst-case scenario, you may lose your entire principal. Investment in Paper Gold is not the same as investment in physical gold. Price changes in physical gold might not be reflected in price changes of Paper Gold. You should also be aware of the risk of foreign exchange rate fluctuations and may experience a loss on conversion of the investment back into other currency (including but not limited to your home currency).

Disclaimer
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The life insurance products are underwritten by Manulife (International) Limited (incorporate in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife. The product is an insurance product and is neither a bank deposit nor a bank saving plan. You should not purchase any insurance plans solely on the basis of this promotional offer. Please ask the Bank for a copy of the policy provision, proposal and the product leaflet which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.

The following risk disclosures are made to you by the Bank:
  • For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
  • For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
  • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
  • Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.

Online Equity Trading Reward9

Online Fund Investment Reward9

0% subscription fee up to an aggregate subscription of HK$200,000

Investment Transfer-in Rewards

Securities
HK$400 cash reward for every aggregate transfer-in amount of HK$200,000
Reward up to HK$20,000

Other Privileges

Conduct first-time online remittance with designated amount of FX at the same time
up to HK$600
Double Reward for DBS eStamp Promotion
Settle day-to-day online banking and investment transactions
up to HK$800
As our valued DBS Treasures customer, you can enjoy all-rounded hassle free banking services provided by DBS Bank and start your wealth management journey anytime, anywhere. For more details, please contact your local Relationship Manager.
 


Maintain Funds and Reward Period


Joining date

Funds Counting Period#

Reward Fulfillment Date#

Keep Active Reward and
Half Year Anniversary Reward Fulfillment Date
January 2024
January – March 2024
May 2024
August 2024
February 2024
February – April 2024
June 2024
September 2024
March 2024
March – May 2024
July 2024
October 2024

*  New Customer is required to maintain monthly Total Relationship Balance in the amount of HK$1,000,000 or above (or its equivalent in foreign currency(ies)) from 7th day of Joining Date to Funds Counting Period in order to be eligible for the Promotion.
#The Funds Counting Period and Reward Fulfillment Date apply to the Customer Upgrade Reward, Financial Needs Analysis Reward, Investment Product Take Up Reward, Overseas Transfer Reward, Payroll Reward, ATM Reward and Products Balance Reward.

1. To make your DBS account as your payroll account, please complete and submit the “Notification of Change of Auto-Payroll Account” to your HR Department for them to switch the auto-payroll account to our Bank. Please click here for the form.
2. Designated Investment Product Balance includes Equity Linked Products and Investment Funds
3. For details on Insurance Product Balance Reward, please refer to go.dbs.com/hk-banca-pbr-q1.
4. Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.

Terms and conditions apply.
For details of DBS Treasures Welcome Offers, please click here.
^Eligible insurance product refers to any basic plan of life insurance product(s), including single premium or regular premium products, which are distributed by the Bank and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability), and that were applied via any branch of the Bank and being issued.

Risk Disclosure
Bonds, Funds, Equity Linked Products and Paper Gold (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not to be treated as substitutes for time deposits, and are not principal protected.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Securities trading is an investment. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also note that investing in foreign market securities involves currency risk, you may suffer loss because of currency fluctuations. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Foreign Exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Equity Linked Products, some Bonds and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

The price of Paper Gold is volatile and value of the investment may go down as well as up. In the worst-case scenario, you may lose your entire principal. Investment in Paper Gold is not the same as investment in physical gold. Price changes in physical gold might not be reflected in price changes of Paper Gold. You should also be aware of the risk of foreign exchange rate fluctuations and may experience a loss on conversion of the investment back into other currency (including but not limited to your home currency).

Disclaimer
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The life insurance products are underwritten by Manulife (International) Limited (incorporate in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife. The product is an insurance product and is neither a bank deposit nor a bank saving plan. You should not purchase any insurance plans solely on the basis of this promotional offer. Please ask the Bank for a copy of the policy provision, proposal and the product leaflet which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.

The following risk disclosures are made to you by the Bank:
  • For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
  • For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
  • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
  • Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.

Treasures Member Get Member

Referral Requirement
Referral Rewards
For each successful referral*
Referee with new fund in of HK$1,000,000 or above and Referrer with
  • DBS Treasures, DBS Treasures Private Client or DBS Private Banking
  • Other customer
HK$1,200

HK$1,000
Referrer holds eligible insurance product on the last day of Referee’s joining month^

HK$500

For 3 or above Successful Referrals
Extra HK$2,000
or
For 5 Successful Referrals
Extra HK$5,000

How to refer:

1. Share your referral ID

Where to find your unique referral ID:

OR
2. Share your referral form

Your friends need to fill in your Referral ID when they sign below referral form at branch.

Step 1

Share the referral form to your friends and family

Step 2

Your friends / family are required to fill in the form and submit at branch


Maintain Funds and Reward Period


Joining date

Funds Counting Period#

Reward Fulfillment Date#

Keep Active Reward and
Half Year Anniversary Reward Fulfillment Date
January 2024
January – March 2024
May 2024
August 2024
February 2024
February – April 2024
June 2024
September 2024
March 2024
March – May 2024
July 2024
October 2024

*  New Customer is required to maintain monthly Total Relationship Balance in the amount of HK$1,000,000 or above (or its equivalent in foreign currency(ies)) from 7th day of Joining Date to Funds Counting Period in order to be eligible for the Promotion.
#The Funds Counting Period and Reward Fulfillment Date apply to the Customer Upgrade Reward, Financial Needs Analysis Reward, Investment Product Take Up Reward, Overseas Transfer Reward, Payroll Reward, ATM Reward and Products Balance Reward.

1. To make your DBS account as your payroll account, please complete and submit the “Notification of Change of Auto-Payroll Account” to your HR Department for them to switch the auto-payroll account to our Bank. Please click here for the form.
2. Designated Investment Product Balance includes Equity Linked Products and Investment Funds
3. For details on Insurance Product Balance Reward, please refer to go.dbs.com/hk-banca-pbr-q1.
4. Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.

Terms and conditions apply.
For details of DBS Treasures Welcome Offers, please click here.
^Eligible insurance product refers to any basic plan of life insurance product(s), including single premium or regular premium products, which are distributed by the Bank and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability), and that were applied via any branch of the Bank and being issued.

Risk Disclosure
Bonds, Funds, Equity Linked Products and Paper Gold (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not to be treated as substitutes for time deposits, and are not principal protected.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Securities trading is an investment. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also note that investing in foreign market securities involves currency risk, you may suffer loss because of currency fluctuations. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Foreign Exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Equity Linked Products, some Bonds and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

The price of Paper Gold is volatile and value of the investment may go down as well as up. In the worst-case scenario, you may lose your entire principal. Investment in Paper Gold is not the same as investment in physical gold. Price changes in physical gold might not be reflected in price changes of Paper Gold. You should also be aware of the risk of foreign exchange rate fluctuations and may experience a loss on conversion of the investment back into other currency (including but not limited to your home currency).

Disclaimer
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The life insurance products are underwritten by Manulife (International) Limited (incorporate in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife. The product is an insurance product and is neither a bank deposit nor a bank saving plan. You should not purchase any insurance plans solely on the basis of this promotional offer. Please ask the Bank for a copy of the policy provision, proposal and the product leaflet which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.

The following risk disclosures are made to you by the Bank:
  • For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
  • For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
  • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
  • Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.

As a valued Treasures customer, you are entitled to the complimentary access to unparalleled rewards and exclusive benefits under this loyalty scheme.

Join DBS Treasures

Account Opening via Mobile
Step 1 Eligibility
  • New to DBS or an existing DBS Credit Card Customer; and
  • Hong Kong Permanent Resident aged 18 or above; and
  • 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.

Step 2 Download DBS digibank HK app
Or click the link below to download

Step 3 Have Question?
Account Opening at Branch

Terms and conditions apply.
For details of DBS Treasures Welcome Offers, please click here.
^Eligible insurance product refers to any basic plan of life insurance product(s), including single premium or regular premium products, which are distributed by the Bank and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability), and that were applied via any branch of the Bank and being issued.

Risk Disclosure
Bonds, Funds, Equity Linked Products and Paper Gold (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not to be treated as substitutes for time deposits, and are not principal protected.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Securities trading is an investment. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also note that investing in foreign market securities involves currency risk, you may suffer loss because of currency fluctuations. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Foreign Exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Equity Linked Products, some Bonds and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

The price of Paper Gold is volatile and value of the investment may go down as well as up. In the worst-case scenario, you may lose your entire principal. Investment in Paper Gold is not the same as investment in physical gold. Price changes in physical gold might not be reflected in price changes of Paper Gold. You should also be aware of the risk of foreign exchange rate fluctuations and may experience a loss on conversion of the investment back into other currency (including but not limited to your home currency).

Disclaimer
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The life insurance products are underwritten by Manulife (International) Limited (incorporate in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife. The product is an insurance product and is neither a bank deposit nor a bank saving plan. You should not purchase any insurance plans solely on the basis of this promotional offer. Please ask the Bank for a copy of the policy provision, proposal and the product leaflet which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.

The following risk disclosures are made to you by the Bank:
  • For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
  • For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
  • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
  • Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.