Exclusive Privileges for DBS Treasures
0% commission to buy 7 markets stocks & $0 handling fee for IPO service
Wherever you are, you can invest in seven global equity markets (Hong Kong, Singapore, United States, Canada, Japan, Australia and the United Kingdom) and seize investment opportunities at your fingertips.
Join DBS Treasures today and enjoy Online Securities Rewards:
- 0%brokerage for all Buy & Sell transactions for up to 3 months (Total Brokerage rebate capped at HK$8,000)
- Enjoy 0% handling fee upon all IPO subscription
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Enjoy up to HK$28,800 cash reward and special Savings rate
Maintain a designated monthly Total Relationship Balance (excluding time deposits), and complete designated investment transactions, and downloads and log in to DBS digibank HK app successfully to enjoy these rewards.
| Monthly Total Relationship Balance Cash Reward | HK$1,000,000 or above |
|---|---|
| New Funds Reward (HKD/USD)1 | Please click here for latest e$aver promotion details |
| New Treasures Keep Active2/Existing DBS Customer Upgrade Reward3 | HK$200 |
| Financial Needs Analysis Reward4 | HK$200 |
| Overseas Transfer Reward5 | HK$400 |
| Payroll Reward6 | HK$800 |
| ATM Card Reward7 | HK$200 |
| Investment Product Take Up Reward8 | Up to HK$500 |
| Investment Product Balance Reward9 | Up to HK$22,500 |
| Insurance Product Balance Reward10 | HK$3,000 |
| Half Year Anniversary Reward11 | HK$1,000 |
1Terms and conditions apply. For details, please visit https://go.dbs.com/hk-esaver-en
2New to DBS or only an existing DBS Credit Card Customer who joins DBS Treasures via DBS digibank HK app and log in at least once per month for the first 6 months
3Existing DBS Customers upgrade to DBS Treasures
4Set up Wealth Management Accounts and complete Financial Needs Analysis
5Successfully performed a designated online overseas transfer transaction with currency exchange in a single transaction of HK$10,000 (or its equivalent) or above.
6Successfully receives Eligible Payroll New Fund in his/her Designated HKD Current & Savings Payroll Account.
7Successfully 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.
8Complete all 3 different eligible Product Transaction includes: 1) Buy or sell transaction of securities in a single transaction amount of HK$10,000 or above (or equivalent) via WMA 2) 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 WMA 3) 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 WMA.
9Designated Investment Product Balance includes Equity Linked Products and Investment Funds.
10For details on Insurance Product Balance Reward, please refer to go.dbs.com/hk-banca-pbr-q1.
11Maintain HK$1,000,000 or above in first 6 months.
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DBS digibank HK Online Reward
Conduct below transaction through DBS iBanking and/or DBS digibank HK app to enjoy exclusive reward:
Online Fund Investment Trading
- 0% subscription fee up to an aggregate subscription of HK$200,000
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Extra Privileges
- Cross Border Account Opening
- Investment Product
Take Up Reward - Product Balance Reward
- Securities Transfer-in Reward
As our valued DBS Treasures customer, you can enjoy all-rounded hassle free banking services provided by DBS Bank and start your wealth management journey anytime, anywhere. With our Asian network, you can build your wealth in Hong Kong, Singapore, Taiwan, China, India and Indonesia.
For more details, please contact your local Relationship Manager.
For more details, please contact your local Relationship Manager.
| Transaction requirement | Cash Reward (HK$) |
|---|---|
| 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 |
Remarks:
Eligible Product Transaction Category:
- Securities: Buy or sell transaction of securities in a single transaction amount of HK$10,000 or above (or equivalent) via WMA
- 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 WMA
- Foreign Exchange (“FX”): FX transactions (excluding USD to HKD exchange transactions and vice versa) in a single transaction amount of HK$200,000 or above (or equivalent) via WMA
| Investment | Insurance# | ||
|---|---|---|---|
| Designated Investment Product Balance* | Cash Reward (HK$) | Insurance Product Balance | Cash Reward (HK$) |
| HK$200,000 – HK$500,000 | HK$800 | Maintain Designated Insurance Product Balance | HK$3,000 |
| 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 |
*Designated Investment Product Balance ” is the total investment assets that a New Customer maintains with the Bank, whether solely or jointly. The assets include Equity Linked Products (i.e. equity linked investments and/or equity linked notes) and Investment Funds (“Eligible Investment Asset”).
- The Designated Investment Product Balance of Equity Linked Products will be calculated based on the outstanding investment notional amount of Equity Linked Products.
- The Designated Investment Product Balance of Investment Funds will be calculated based on the net asset value obtained from sources believed to be reliable by the Bank, subject to the availability of data in the market.
# For details on Insurance Product Balance Reward, please refer to go.dbs.com/hk-banca-pbr-q1.
Securities Transfer-in Reward
- Every aggregate transfer-in HK$200,000 to enjoy HK$400 cash reward
- Up to HK$20,000 cash reward
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Terms and conditions apply on the above promotions. For details, please visit any of our bank branches or call our 24-hour Customer Service Hotline on 2290 8888 (press 2 and then 6 and then 8 after language selection).
RMB currently may not be freely convertible and is subject to exchange controls and restrictions. There is no guarantee that RMB will not depreciate. If you convert Hong Kong Dollar or any other currency into RMB so as to invest in a RMB product and subsequently convert the RMB sale proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.
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 DBSTREENG(2024Q1) 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.
DBS Bank (Hong Kong) Limited （星展銀行（香港）有限公司）reserves the right to amend or revise the Preferential Interest Rates at its sole discretion. The applicable Interest Rates will be confirmed by the Bank to the Customer at the time the relevant time deposit is placed.
For details of DBS Treasures Welcome Offers for Account Opening, please click here.
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