328 Business Banking328 Business Banking

328 Business Banking

Comprehensive Digital Banking Helps You Manage Business with Ease

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Welcome Offers

Interst Offer HKD USD
Preferential Savings Interest Rates (p.a.)X Up to 1% Up to 1.3%
  • Up to HK$600 Inward Funds RewardXIII
  • Up to HK$2,000 Payroll RewardXVII
  • HK$600 Merchant Card Acceptance RewardXXI
  • HK$300 Dah Sing Business Card RewardXXV

328 Business Account (Express)

"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 lead-time required for account opening is counted from the day following the date Dah Sing Bank, Limited (the "Bank") acknowledges receipt of all required documents for account opening from customers and customers sign the documents successfully in the meeting, and subject to the real situation on a case-by-case basis. Working day refer to Monday to Friday (excluding public holiday).

#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

PremiumBonus Savings Interest RatePreferential Foreign Exchange RatesService Fee Offers

Join 328 Business Banking4 to enjoy a range of business services designed to help companies grasp the most of advantages. By upgrading to the Premium Status7, company customers can also enjoy an array of offers automatically. Come on board to use more services and save more! Don't need registration!

Bonus HKD Savings Interest Rate 0.1%(p.a.)12

Exchange foreign currencies via 328 Business e-Banking to enjoy preferential exchange rates16

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.

  • HKD Current Account and Savings Account are available, complete with free cheque books
  • Standalone monthly account statement20 with an all-in-one snapshot of business transactions
  • Diversified account management channels, including 328 Business e-Banking24, ATMs and 24-hour Phone Banking Services
  • Account opening rewards: A first-year annual fee waiver for ATM Card21 and a waiver of the handling fee for Business Registration or Limited Company Search

Account opening is simple and fast. Just complete an online application form and upload the documents23. We will arrange a meeting with company customers at the Dah Sing Bank branch of their choice to open the 328 Business Account!

Dah Sing Bank is committed to being company customer's business partner. Our team provides professional advice and banking services for company customers! Meet with us at our extensive branch network across Hong Kong.

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

  • Look up account balances, online transactions and credit card e-statements at any time
  • 7 x 24 real-time transfer of funds in HKD or RMB to/from bank account of other local participating banks via FPS
  • Simple process to make remittances, bill payments and place fixed deposit instructions, and be informed of the status of your transactions instantly via email and SMS alerts
  • Arrange salary payments and MPF contributions* by simply uploading files, and enjoy a fee waiver on payroll transactions^, while your employees can have their salaries credited in the morning of the pay day^
  • Self-service setting up of e-Banking users, accounts and function access rights

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

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

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


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 required26
  • 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%)27

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 required26
  • 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.

Merchant Payment Acceptance Services29

All-in-one POS Terminal support for receipts of card sales 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 cards payment (including Visa Card, MasterCard, UnionPay Card, American Express*, EPS*, and JCB* etc.) and Mobile Payment (including but not limited to Apple Pay, Google Pay™, Samsung Pay and UnionPay App)
  • e-Commerce is supported by making online payment gateways available for online stores
  • The net proceeds of card sales will be automatically credited to merchant's designated company account
  • Free merchant statement is available for checking transaction records without hassles
  • Customer of 328 Business Banking can enjoy a waiver of the deposit for POS terminal(s)
  • Merchant Instalment Payment Plans with loan tenor of 6 to 36 months for merchant and customers to choose from

Merchant Receivables Loan25

Merchants can get access to capital earlier interest free and grow their business on the basis of average monthly sales^:

  • Leverage future earnings to obtain cash advances
  • Pay back monthly with accumulated portion of daily sales^
  • 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 companies individually.
^Refer to payment settled through merchant payment acceptance services.

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

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
  • Clear Monthly Statement of all transactions made by each cardholder
  • Apply for Dah Sing Business Card by pledge of fixed deposit instead of providing company income / asset proof
  • First 3 years Annual Fee Waiver

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 premium31 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

Comprehensive Business Banking Services
Gain More and Save More!

Chinese only

Chinese only


Act Now!

The Promotion Period is from 2 July 2019 to 31 December 2019.

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