Maintain Funds and Reward Period

• The DBS e$aver Deposit Promotion is not available for New Customers who are holders of DBS Mortgage or the borrowers of premium financing revolving term loan for settling premium of insurance policy(ies) purchased through non-DBS channel. If the New Customer is a non-Hong Kong resident, the account opening will need to be performed physically at the Bank’s branch.
• Total Savings Interest Rate includes Basic Savings Interest Rate & e$aver Bonus Interest Rate. HKD Basic Savings Interest Rate for $1,000,000-<$5,000,000 is 0.575%p.a. and $5,000,000 or above is 0.750%. USD Basic Savings Interest Rate is 0.0010% p.a. e$aver Bonus Interest will be credited on or before 30 June 2024. Basic Savings Interest will be credited directly on or before the last day of each month.
• The Level-up Bonus Interest rate is only applicable to eligible customer who has received Eligible Payroll Fund or completes a single transaction of Eligible ATM Card Transactions or completed a single of Eligible Foreign Currency Exchange Transaction or completed the Eligible Local and Overseas Securities Transaction during the Fund Counting Period.
• “Insurance Balance” is calculated by the relevant total premium amount paid for the Eligible Policy(ies), which:
  1) for single premium life insurance products with aggregate single premium amount greater than or equal to HKD 500,000 (or its equivalent);
  or
  2) for regular premium life insurance products with aggregate Annualized First Year Premium Amount (“AFYP”) greater than or equal to HKD 50,000 (or its equivalent).
  AFYP is the total amount of the premiums due and payable for the basic insurance plan in respect of the first 12 months from the policy year date, excluding the levy and any premium discount offer. All extra premium loading, supplementary benefits’ premium or prepayment of premium (if any) will not be taken into account in calculation of single premium amount / AFYP.
• 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.
• Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.
• Investment Transaction Reward are applicable to Wealth Management Accounts transactions only.
• Customers will entitle HK$500 cash reward for aggregate investment transaction amount of HK$1,000,000 or above; or HK$1,000 cash reward for aggregate investment transaction amount of HK$2,000,000 or above.
• Making Foreign Currency Exchange transactions (excluding any online currency exchange transaction and USD to HKD exchange transactions and vice versa) with transaction amount of HK$100,000 or above (or equivalent) in a single transaction.
• A HK$200 monthly service fee is chargeable if the Average Total Relationship Balance over 3 consecutive months falls below HK$1,000,000 (or its equivalent in foreign currency(ies)). “Average Total Relationship Balance over 3 consecutive months” is calculated based on the aggregated value of daily Total Relationship Balance in the period of consecutive 3 months divided by the total number of calendar days in those 3 months. For new-to-bank customers who join within 3 months, the first month would constitute the number of day(s) since the Joining Date till the last calendar day of that month.

• The DBS e$aver Deposit Promotion is not available for New Customers who are holders of DBS Mortgage or the borrowers of premium financing revolving term loan for settling premium of insurance policy(ies) purchased through non-DBS channel. If the New Customer is a non-Hong Kong resident, the account opening will need to be performed physically at the Bank’s branch.
• Total Savings Interest Rate includes Basic Savings Interest Rate & e$aver Bonus Interest Rate. HKD Basic Savings Interest Rate for $1,000,000-<$5,000,000 is 0.575%p.a. and $5,000,000 or above is 0.750%. USD Basic Savings Interest Rate is 0.0010% p.a. e$aver Bonus Interest will be credited on or before 30 June 2024. Basic Savings Interest will be credited directly on or before the last day of each month.
• The Level-up Bonus Interest rate is only applicable to eligible customer who has received Eligible Payroll Fund or completes a single transaction of Eligible ATM Card Transactions or completed a single of Eligible Foreign Currency Exchange Transaction or completed the Eligible Local and Overseas Securities Transaction during the Fund Counting Period.
• “Insurance Balance” is calculated by the relevant total premium amount paid for the Eligible Policy(ies), which:
  1) for single premium life insurance products with aggregate single premium amount greater than or equal to HKD 500,000 (or its equivalent);
  or
  2) for regular premium life insurance products with aggregate Annualized First Year Premium Amount (“AFYP”) greater than or equal to HKD 50,000 (or its equivalent).
  AFYP is the total amount of the premiums due and payable for the basic insurance plan in respect of the first 12 months from the policy year date, excluding the levy and any premium discount offer. All extra premium loading, supplementary benefits’ premium or prepayment of premium (if any) will not be taken into account in calculation of single premium amount / AFYP.
• 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.
• Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.
• Investment Transaction Reward are applicable to Wealth Management Accounts transactions only.
• Customers will entitle HK$500 cash reward for aggregate investment transaction amount of HK$1,000,000 or above; or HK$1,000 cash reward for aggregate investment transaction amount of HK$2,000,000 or above.
• Making Foreign Currency Exchange transactions (excluding any online currency exchange transaction and USD to HKD exchange transactions and vice versa) with transaction amount of HK$100,000 or above (or equivalent) in a single transaction.
• A HK$200 monthly service fee is chargeable if the Average Total Relationship Balance over 3 consecutive months falls below HK$1,000,000 (or its equivalent in foreign currency(ies)). “Average Total Relationship Balance over 3 consecutive months” is calculated based on the aggregated value of daily Total Relationship Balance in the period of consecutive 3 months divided by the total number of calendar days in those 3 months. For new-to-bank customers who join within 3 months, the first month would constitute the number of day(s) since the Joining Date till the last calendar day of that month.

• The DBS e$aver Deposit Promotion is not available for New Customers who are holders of DBS Mortgage or the borrowers of premium financing revolving term loan for settling premium of insurance policy(ies) purchased through non-DBS channel. If the New Customer is a non-Hong Kong resident, the account opening will need to be performed physically at the Bank’s branch.
• Total Savings Interest Rate includes Basic Savings Interest Rate & e$aver Bonus Interest Rate. HKD Basic Savings Interest Rate for $1,000,000-<$5,000,000 is 0.575%p.a. and $5,000,000 or above is 0.750%. USD Basic Savings Interest Rate is 0.0010% p.a. e$aver Bonus Interest will be credited on or before 30 June 2024. Basic Savings Interest will be credited directly on or before the last day of each month.
• The Level-up Bonus Interest rate is only applicable to eligible customer who has received Eligible Payroll Fund or completes a single transaction of Eligible ATM Card Transactions or completed a single of Eligible Foreign Currency Exchange Transaction or completed the Eligible Local and Overseas Securities Transaction during the Fund Counting Period.
• “Insurance Balance” is calculated by the relevant total premium amount paid for the Eligible Policy(ies), which:
  1) for single premium life insurance products with aggregate single premium amount greater than or equal to HKD 500,000 (or its equivalent);
  or
  2) for regular premium life insurance products with aggregate Annualized First Year Premium Amount (“AFYP”) greater than or equal to HKD 50,000 (or its equivalent).
  AFYP is the total amount of the premiums due and payable for the basic insurance plan in respect of the first 12 months from the policy year date, excluding the levy and any premium discount offer. All extra premium loading, supplementary benefits’ premium or prepayment of premium (if any) will not be taken into account in calculation of single premium amount / AFYP.
• 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.
• Reward is only applicable to transaction(s) made through DBS iBanking and / or DBS digibank HK with WMA account.
• Investment Transaction Reward are applicable to Wealth Management Accounts transactions only.
• Customers will entitle HK$500 cash reward for aggregate investment transaction amount of HK$1,000,000 or above; or HK$1,000 cash reward for aggregate investment transaction amount of HK$2,000,000 or above.
• Making Foreign Currency Exchange transactions (excluding any online currency exchange transaction and USD to HKD exchange transactions and vice versa) with transaction amount of HK$100,000 or above (or equivalent) in a single transaction.
• A HK$200 monthly service fee is chargeable if the Average Total Relationship Balance over 3 consecutive months falls below HK$1,000,000 (or its equivalent in foreign currency(ies)). “Average Total Relationship Balance over 3 consecutive months” is calculated based on the aggregated value of daily Total Relationship Balance in the period of consecutive 3 months divided by the total number of calendar days in those 3 months. For new-to-bank customers who join within 3 months, the first month would constitute the number of day(s) since the Joining Date till the last calendar day of that month.