328 Business Banking

Comprehensive banking solutions to help you manage your account and cash flows with ease.

• Enjoy a Multi-Currency Current Account which supports HKD, RMB and USD and offers free cheque books
• Manage your foreign currencies transactions and make transfers and remittances hassle-free with Multi-Currency Savings Account which allow you to trade up to 14 foreign currencies (including RMB)
• Receive Consolidated Monthly Statement^x to view all your multi-currency business transactions and balances in one glance
• Enjoy first-year annual fee waiver for ATM card^xi

Remark: HKD Current Account and HKD Savings Account are designated basic accounts for the 328 Business Account.

Manage your business anytime and anywhere via our secure digital platform.

• Check account balances, make transfers and remittances at any time
• Perform 7x24 real-time transfers in HKD or RMB to / from bank accounts with other local participating banks via FPS
• Make bill payments through a simplified online process
• Enjoy self-service set-up for users, accounts and function access rights, plus transaction authorisation security control
• Make use of our SMS OTP and Security Authentication (e.g. Fingerprint Authentication, Face ID) to authorise transactions

Please visit webpage of 328 Business e-Banking and 328 Business Mobile Banking for details of service features and user guide.

Enjoy greater convenience with professional business advice.

• Designed for SME customers and located in key commercial districts for easy access
• Our professional team assists you in account opening and works as your banking partner to provide a wide range of banking solutions that fit your business needs
• Just fill in the online application form, upload the required documents^ and complete the account opening process at our 328 Business Banking Centre Zone

^For details of the documents required to be uploaded upon online application, please click here.

Choose from Various lending solutions to fully support your business expansion or liquidity needs.

The companies must be sole proprietorships / partnerships / limited companies / organizations, associations or trust companies.Eligibility : Companies operating for at least 2 years.

^# Applicable to a loan amount of HKD 1 million or below.

To borrow or not to borrow? Borrow only if you can repay!

Various merchant services to support business expansion

• Merchant Payment Acceptance Services^xvi
  "PAY+" Consolidated Payment Solutions support different payment services to enhance merchants' collection services and maximize operational efficiency
  • You can accept a wide range of cards, mobile and QR code payments with an all-in-one point of sales machines (e.g. Visa, Mastercard, UnionPay, American Express*, EPS*, JCB*, Apple Pay, Google Pay™, Samsung Pay, UnionPay Mobile QuickPass, Alipay and WeChat Pay)
  • e-Commerce businesses are supported through online payment gateway
  • Enjoy simple, Easy, Fast and Flexible online payment collection by connecting to Wi-Fi, broadband network , network and landline

• Merchant Receivables Loan^xiii,xiv,xv
  Based on merchants average monthly sales^, you can obtain access to capital sooner to improve cash flow and plan for business growth:
  • Pay back monthly with a portion of accumulated daily sales^
  • Flexible repayment period (3-18 months)
  • Loan amount up to HKD1.5 million
  • No financial statements or collateral required

* Merchant is required to submit applications to relevant card organisation individually.

^ Refers to payments settled through merchant payment acceptance services.

To borrow or not to borrow? Borrow only if you can repay!

Arrange salary payments online with ease.

• Enjoy fee waiver on payroll transactions
• Help your employees withdraw their salaries on the morning of pay day*

Provides you with flexible business payment options.

• Credit Limit of each cardholder can be freely assigned to make financial monitoring easy
• Applications can be made by pledge of fixed deposit instead of providing company income or asset proof
• Consolidated Monthly Statement is provided of all transactions made by each cardholder
• Annual Fee Waiver for the first 3 years

Please click here for details of Dah Sing Business Card.

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
To borrow or not to borrow? Borrow only if you can repay!