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 1.2% HKD Preferential Savings Interest Rate (p.a.)Up to HK$3,300 Cash RewardsForeign Exchange 0 Trading Spread Full Waiver of First Three Months Handling Fee for Remittance
  • Up to HK$1,000 Payroll RewardXVII
  • HK$500 Merchant Card 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

*Only applicable to local sole proprietorship, partnership and limited company with single layer. 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

PremiumBonus Savings Interest RatePreferential Foreign Exchange RatesService Fee Offers

Become a 328 Business Banking customer4 and upgrade to Premium Status21 to enjoy an array of exclusive offers. The more services you use, the more bonuses you can accrue! No registration is required!

Bonus HKD Savings Interest Rate of 0.1% (p.a.)26

Exchange foreign currencies via 328 Business e-Banking / Mobile Banking to enjoy preferential exchange rates30

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 service, with 'marked good' cheques presented directly to drawee bank for payment

Service Features

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

  • Enjoy HKD Current and Savings Accounts with preferential savings interest and free cheque books
  • Make transfers and remittances at any time with RMB, USD and foreign currency accounts
  • Receive stand-alone monthly account statements9 with snapshots of business transactions
  • Enjoy first-year annual fee waiver for ATM card10

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

  • Check account balances, and make transfers and remittances at any time
  • Perform 24x7 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, and arrange MPF contributions* by uploading files
  • Enjoy self-service set-up for users, accounts and function access rights, plus transaction authorization 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.

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

Enjoy greater convenience with professional business advice.

  • 328 Business Banking Centre is specially 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 refer to online form.

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

SME Unsecured Lending SME Secured Lending

328 SME Express Money Instalment Loan provides you with extra funding to grasp every business opportunity and improve productivity :

  • No financial statements# and collateral required11
  • Loan amount of up to HK$3,000,000
  • Loan tenor as long as 60 months

SME Financing Guarantee Scheme

Launched by HKMC Insurance Limited, the guarantee scheme provides support to start-ups and SMEs to alleviate cash flow pressure.

1) 90% Guarantee Product

  • 90% guarantee fee rebate12
  • Monthly flat rate as low as 0.26% (Annualised Percentage Rate 6.60%)13

2) Special 100% Loan Guarantee14

  • Full Waiver on Guarantee Fee and Handling Fee
  • Annual Interest Rate at P-2.5%*

328 SME Property Financing brings you the working capital needed for business expansion by pledging your 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.
* P refers to the Hong Kong Dollar Prime Rate quoted by The Hong Kong Mortgage Corporation Limited from time to time.

Various merchant services to support business expansion

Merchant Payment Acceptance Services16Merchant Receivables Loan15

Our "PAY+" Consolidated Payment Solution supports different payment services to enhance merchants' collection services and maximize operational efficiency

  • You can accept a wide range of cards payment, mobile and QR code payments with an all-in-one point of sales machine (e.g. Visa Card, MasterCard, UnionPay Card, American Express*, EPS*, Apple Pay, Google Pay™, Samsung Pay, WeChat Pay and Alipay)
  • e-Commerce businesses are supported through online payment gateways
  • Mobile app supports WeChat Pay, Alipay and UnionPay direct merchants QR code payment
  • Enjoy Simple, Fast and Flexible online payment collection by connecting to Wi-Fi, broadband network, 3G/4G network and landline

Based on merchants' average monthly sales^, they 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 to 18 months)
  • Loan amount of up to HK$1,000,000
  • No financial statements and collateral required13

Applications from Startups and SMEs are welcomed!

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

* Merchants are required to submit applications to the relevant card provider individually.
^ Refers to payments settled through merchant payment acceptable services.


Arrange salary payments online with ease.

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

* Only applicable to salary payment files uploaded by e-Banking for employees whose payroll accounts are maintained with Dah Sing Bank.

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 / asset proof
  • Clear Monthly Statement is provided of all transactions made by each cardholder
  • Annual Fee Waiver for the first three 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 Company (1976) Limited, provides companies and employees with comprehensive insurance solutions. You can enjoy a 30% discount on the first year's premium19 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 us on 2808 5000 during office hours from 9:00 am to 5:45 pm, Monday to Friday (except Public Holidays).


Comprehensive Business Banking Services
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Chinese only


Act Now!

The Promotion Period is from now till 31 December 2020.

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