328 Business Banking328 Business Banking

328 Business Banking

The Flexible Banking Power Helps You Manage Business with Ease

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Welcome Offers

Up to 0.8% HKD Preferential Savings Interest Rate (p.a.)Up to HK$3,900 Cash Rewards
  • Up to HK$600 Inward Funds RewardXIII
  • Up to HK$1,000 Payroll RewardXVII
  • HK$500 Merchant Payment Acceptance RewardXXI
  • Up to HK$1,500 Loan RewardXXV
  • HK$300 Dah Sing Business Card RewardXXIX

328 Business Account (Express)

Express Account Opening for Startups and SMEsBasic Bank Account Services to Cope with Business Needs

328 Business Account (Express) offers a simplified and fast account opening experience and basic bank account services to selected startups and SMEs. To cope with business needs, company customers can open a 328 Business Account in as fast as 2 working days*.

Eligibility for 328 Business Account (Express) #

  • Sole-Proprietorship / Partnership / Limited Companies that are registered and established in Hong Kong ; and
  • The account must be opened at a branch by appointment

*The time required for account opening is counted from the day following the Bank's acknowledgment of receipt of all the required documents from the customer and the customer signing the account opening documents successfully, subject to the actual circumstances on a case-by-case basis. "Working Day" refers to Mondays to Fridays (except public holidays).

#The Bank has the absolute discretion to reject any 328 Business Account (Express) application and reserves the right to revise the eligibility criteria for 328 Business Account (Express) without giving any reasons. The Bank reserves the right of final approval. In case of any disputes, the decision of the Bank shall be final and conclusive.

Basic Bank Account Services+

328 Business Account:

  • HKD Current Account and Savings Account with preferential savings interest rates and free cheque book
  • Standalone monthly account statement with an all-in-one snapshot of business transactions

Diversified Account Management Channels:

  • Manage your business via 328 Business e-Banking and Mobile Banking, ATMs and 24-hour Phone Banking Services
  • Check account balances through self-service e-Banking and Mobile Banking Platforms
  • Perform 7 x 24 real-time transfers in HKD or RMB to/from bank accounts with other local participating banks via FPS
  • Make bill payments in simple process via e-Banking

Easy Payroll Services:

  • Arrange salary payments by uploading files in e-Banking

+Basic Bank Account Services do not include remittance involving cross-border fund movement or Telegraphic Transfer service through any available banking channels. The Bank reserves the right to suspend, revise, terminate or withdraw any of the services/offers mentioned herein at any time and the terms and conditions thereof from time to time, without prior notice. In the case of any disputes, the decision of the Bank shall be final and conclusive. If a customer requires more banking services in the future, the customer may be required to provide additional documents/information to the Bank.


328 Business Rewards for Customers with the Premium Status

Premium0.1% Bonus Savings Interest Rate (p.a.)Preferential Foreign Exchange RatesService Fee Offers

By upgrading to the Premium Status10, 328 Business Banking customers4 can also enjoy an array of offers automatically. Come on board to use more services and save more! No need for registration!

Bonus HKD Savings Interest Rate of 0.1%(p.a.)15

Exchange foreign currencies via 328 Business e-Banking to enjoy preferential exchange rates19

Full waiver
  • ATM Card annual fee
50% Discount
  • Remittance handling fee
  • Issuance of Cashier's Order
  • Request for Audit Confirmation / Bank Reference Letter / Photocopy of Bank Statement
  • Bulk Notes / Coins / Cheques Deposit in HKD
  • Bulk Notes Deposit in Foreign Currencies
  • Coins Exchange
  • Stop Cheque Payment / Mark Good Cheque presented directly to drawee bank for payment

Service Features

Helping company customers manage their accounts and cash flows with greater ease and efficiency.

  • Enjoy HKD Current Account and Savings Account with preferential savings interest and free cheque books
  • Receive standalone monthly account statements23 with an all-in-one snapshot of business transactions
  • Access ATMs at anytime with ATM card24 that comes with a first-year annual fee waiver

Manage your business anytime and anywhere via our secure self-service online and mobile platform.

  • Check account balances, online transactions and credit card e-statements as well as make transfers and remittances at any time
  • Perform 7 x 24 real-time transfer in HKD or RMB to/from bank accounts with other local participating banks via FPS
  • Make bill payments, as well as place fixed deposit instructions with a simplified online process, and be informed of the transaction status instantly via email and SMS alerts
  • Arrange salary payments and MPF contributions* by uploading files at e-Banking and enjoy a fee waiver on payroll transactions^. Employees can readily withdraw their salaries in the morning of the pay day^
  • Self-service set-up of users, accounts and function access rights, plus transaction authorisation security control

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

* This service is available for BCT (MPF) Pro Choice and BCT (MPF) Industry Choice only.

^ Only applicable to employees whose payroll accounts are maintained with Dah Sing Bank.

Account opening is simple and hassle free. Just complete an online application form and upload the documents26. We will arrange a meeting with company customers for account opening at the Dah Sing Bank branch of their choice!

Various merchant services to support business expansion

Merchant Payment Acceptance Services31Merchant Receivables Loan30
"PAY+" Consolidated Payment Solutions support is offered to various payment services and instalment plans " for payment to help company customers improve the efficiency of receipts collection and capture every sales opportunity.
  • Accepting a wide range of card payments (e.g. Visa Card, MasterCard, UnionPay Card, American Express* and EPS etc.) and Mobile Payments (e.g. Apple Pay, Google Pay™, Samsung Pay and UnionPay App)
  • e-Commerce is supported in the form of online payment gateways made available for online stores
  • Support WeChat Pay and Alipay Payments through the PAY+ mobile App
  • The net proceeds of card sales will be automatically credited to each merchant's designated company account
  • Free statement is available for merchant to check transaction records without hassles
  • Customers of 328 Business Banking can enjoy a waiver of the deposit for POS terminal(s)
  • Merchant Instalment Payment Plans with loan a tenor of 6 to 36 months for merchant and customers to choose from
Based on their average monthly sales^, merchant can get access to captial earlier to speed up their cash flows and grow their businesses:

  • Pay back monthly with a portion of sales accumulated daily^
  • Flexible repayment period (3 to 18 months)
  • Loan amount of up to HK$1,000,000
  • No financial statements and collateral required

Applications from Startups and SMEs are welcomed!

* 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!


Various lending solutions are available to fully support your business expansion or liquidity needs.

SME Unsecured Lending SME Secured Lending

328 SME Express Money Installment Loan provides company customers with extra funding to grasp every business opportunity:

  • No financial statements# and collateral required28
  • Loan amount of up to HK$2,000,000
  • Loan tenor as long as 60 months
  • Monthly flat rate as low as 0.3% (Annualised Percentage Rate of 7.79%)29

328 SME FlexiMoney Overdraft Facility backs up with a reserve of instantly accessible revolving cash under the pre-approved limit to help company customers dealing with liquidity needs:

  • No financial statements# and collateral required28
  • Facility limit of up to HK$1,500,000
  • Interest will only be charged on the utilised limit
  • Annual fee as low as 0.5% of the facility limit
  • Facility limit will be restored automatically upon each repayment for revolving use

328 SME Property Financing brings company customers the working capital needed for business expansion by pledging their properties.

  • Loan tenor as long as 30 years
  • Flexible repayment methods
  • A wide range of properties is acceptable for pledging, e.g. residential properties, shops, offices or industrial properties

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

# Applicable to a loan amount of HK$1,000,000 or below.

Offering company customers a convenient way to pay business expenses with a credit card.

  • Credit Limit of each cardholder can be freely assigned to make financial monitoring easy
  • Apply for Dah Sing Business Card by pledge of fixed deposit instead of providing company income / asset proof
  • Clear Monthly Statement 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.

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

Dah Sing Insurance Services provides companies and employees with comprehensive insurance solutions. Better still, customers of 328 Business Banking can enjoy a 30% discount on the first year's premium33 upon enrolment in the following insurance plans:

  • Public Liability Insurance
  • Employees' Compensation Insurance
  • Contractors' All Risks Insurance
  • Fire Insurance
  • Office Package Insurance
  • Shop Package Insurance

For enquiries, please contact DSI Customer Service Hotline at 2808 5000 during office hours from 9:00 am to 5:45 pm, Monday to Friday (Except Public Holidays).

Our team provides professional advice and banking services for company customers! Meet with us at our extensive branch network across Hong Kong. We also have a 328 Business Hotline to address enquiries from company customers about our Business Banking services.


Comprehensive Business Banking Services
Gain More and Save More!

Chinese only

Chinese only


Act Now!

The Promotion Period is from 2 January to 30 June 2020.

Subject to the relevant terms and conditions. For details, please click here.