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YOU BankingYOU Banking

YOU Banking

Managing Your Money Your Way, Your Pace

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Welcome Offer

Speedy Savings and Fly to Your Dream.  Be YOUTake the banking services and tools of your CHOICE
Cash Reward or Avios
I. Savings Reward Up to HK$2,200 Credit Card Cash Reward Up to 30,000 Avios
II. Transaction Reward Up to HK$200 Credit Card Cash Reward Up to 3,000 Avios
III. e-Express Bank Account Opening Reward HK$150 Credit Card Cash Reward 2,000 Avios
IV. YOU Banking Referral Program Reward Up to HK$3,000 Credit Card Cash Reward Up to 42,000 Avios
V. Credit Card Welcome Offer Up to HK$800 Credit Card Cash Reward Up to 100,000 Avios
VI. Securities Services Reward Up to HK$3,000 Cash Reward Up to HK$3,000 Cash Reward
Total Up to HK$9,350 Cash Reward Up to 177,000 Avios
and
HK$3,000 Cash Reward

* Up to HK$9,350 Cash Rewards include Savings Reward up to HK$2,200 Credit Card Cash Reward, Transaction Reward up to HK$200 Credit Card Cash Reward, e-Express Reward HK$150 Credit Card Cash Reward, Referral Reward up to HK$3,000 Credit Card Cash Reward, Dah Sing ONE+ Credit Card Welcome Offer up to HK$800 Credit Card Cash Reward and Securities Services Cash Reward up to HK$3,000; up to 177,000 Avios include Savings Reward up to 30,000 Avios, Transaction Reward up to 3,000 Avios, e-Express Reward 2,000 Avios, Referral Reward up to 42,000 Avios and Dah Sing British Airways Platinum Card Welcome Offer up to 100,000 Avios.

Managing Your Money Your Way, Your Pace



Speedy Savings • YOU Choose

Go for fast-tracking savings and transactions in your style. YOU Banking achieves your financial goals with YOU! From now until 30 September 2020**, successfully open a YOU Banking account and finish the requirements below during the Reward Period***. You can enjoy up to HK$2,550 Credit Card Cash Reward* or 35,000 Avios*.



Savings Reward


Savings Deposit Growth+ Credit Card Cash Reward OR Avios
HK$700,000 or above HK$2,200 30,000 Avios
HK$500,000 - HK$699,999 HK$1,800 25,500 Avios
HK$250,000 - HK499,999 HK$800 11,500 Avios
HK$100,000 - HK249,999 HK$320 4,500 Avios
HK$50,000 - HK99,999 HK$150 2,000 Avios


Transaction Reward


HK$100 Credit Card Cash Reward / 1,500 Avios for every Eligible Transaction typ
  • Dah Sing Octopus App Card's AAVS Transaction
  • Bill Payment Transaction
     
    Note: For details of Eligible Transaction, please refers to Terms and Conditions
Maximum reward from Transaction Reward: HK$200 Credit Card Cash Reward/ 3,000 Avios


e-Express Bank Account Opening Reward

Apply for YOU Banking via e-Express Bank Account Application ("e-Express") to enjoy an exclusive offer of HK$150 Credit Card Cash Reward/ 2,000 Avios!


e-Express Bank Account Opening Reward

Customers who successfully open a YOU i-Account through e-Express, and maintain the Average Daily Savings Deposit Balance of HK$50,000 or above (or its equivalent) during the Reward Period, can enjoy HK$150 Credit Card Cash Reward / 2,000 Avios.


Dah Sing Credit Card Welcome Offer#

Dah Sing ONE+ Credit Card
Welcome offer up to HK$800 Credit Card Cash Reward
OR

Dah Sing British Airways Platinum Card
Welcome offer up to 100,000 Avios


Investment involves risks. Subject to relevant terms and conditions.



* Up to HK$2,550 Credit Card Cash Reward includes Savings Reward up to HK$2,200 Credit Card Cash Reward, Transaction Reward up to HK$200 Credit Card Cash Reward and e-Express Bank Account Opening Reward HK$150 Credit Card Cash Reward. Up to 35,000 Avios Welcome Reward includes Savings Reward up to 30,000 Avios, Transaction Reward up to 3,000 Avios and e-Express Bank Account Opening Reward 2,000 Avios.

** Promotion Period is from 1 April 2020 to 30 September 2020 (both dates inclusive).

*** Reward Period refers to the entire 3 consecutive months starting from the next calendar month of the account opening. If Eligible Customer chooses Avios as the Account Opening Reward, the customer can register at http://www.dahsing.com/you/avios/2004/en until the 3rd calendar month from the date of account opening (''Registration Period''). Each Eligible Customer can register once only. Once the registration is submitted, no amendment or cancellation can be made. If the customer does not have a valid Dah Sing British Airways Platinum Card at the time the Avios is credited, or if our bank has not received any registration record during the Registration Period, customer will be deemed to have chosen the Credit Card Cash Reward as the Reward.

+Savings Deposit Growth is calculated as the difference between the "Average Daily Savings Deposit Balance" and "Deposit Benchmark" during the Reward Period.

#Only Applicable to new Principal Card applicant and fulfills designated spending requirement.

Wealth Management • At Ease



  Details
Target Savings Deposit
  • Preferential interest rate of up to 1.5% p.a.
  • Limited quota on a first-come-first-served basis
Financial Management Services Securities Transaction*
  • "Unlimited Buy & Sell Brokerage Fee Waiver for the first 3 months" & "Extra 3 months Buy & Sell Brokerage Fee Waiver"
  • First-time Securities Custodian Fee Waiver
  • Stock Transfer-in Cash Reward up to HK$3,000

FX Transaction
  • Foreign Exchange 0 trading Spread Offer


Investment involves risks. Subject to relevant terms and conditions.


*Only applicable to New Securities Customers / New Securities Margin Customers. This offer include "Unlimited Buy & Sell Brokerage Fee Waiver for the first 3 months" & "Extra 3 months Buy & Sell Brokerage Fee Waiver up to HK$3,500" and First-Time Securities Custodian Fee Waiver.

Dah Sing YOU Banking Referral Reward Program



Dah Sing YOU Banking online referral platform - refer your friends to enjoy reward anytime anywhere! Upon successful online registration and referral of your friends to open a YOU Banking while fulfilling the designated requirements*, referrer will enjoy up to HK$3,000 Credit Card Cash Reward or 42,000 Avios!



*Referee has to maintain the Saving Deposit Growth $50,000 and conduct any one of the eligible transaction under the Transaction Reward.


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Service Features

  • No application required, the e-Statement Service has been automatically opted-in for you!
  • YOU Banking e-Statements clearly and neatly consolidate all transaction records

With your Dah Sing Mobile App, all the bank services you need are just a click away, 24 hours a day. Wealth management is now a piece of cake, as you can check account balances, transfer funds, make fee payments and carry out other transactions wherever you are in the world!

Receive e-Receipts instantly after using an ATM or Dah Sing Cash and Cheque Deposit Machine. Checking bank records has never been simpler, more convenient or more environmentally-friendly!

  • Up to HK$5,000 No-Bounced Cheque / Autopay Protection for your peace of mind
  • Enjoy lots of convenience for spending and wealth management just by "dooding" your complimentary Dah Sing Octopus YOU Banking App card - which combines both Octopus and ATM Functions
  • 24x7 Automated Phone Banking and e-Banking services
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You can earn YOU Points with every eligible banking transaction. You can even enjoy up to HK$600 of credit card cash reward, the higher the number of transactions, the more YOU Points you will gain.

The more transactions, the more rewards you can get!

Type of Eligible Transactions YOU Points Earned Maximum YOU Points earned per month**
Autopay of Bill Payment
(for each autopay of bill payment transaction of at least HK$1,000)
1 10
Dah Sing Octopus App Card's Reload with Automatic Add Value Service ("AAVS") transaction
(for each AAVS transaction)
1 10
Payroll Transaction through Autopay
(for payroll transaction(s) in a calendar month)
2 2
Eligible Payroll Transaction through Standing Instruction
(for payroll transaction(s) in a calendar month)
1 1
Securities Buy Transaction via Dah Sing "i-Securities" / "Mobile Securities"
(for every single transaction amount of HK$25,000^)
1 10
Bill Payment Transaction*
(for transaction of cumulative bill payment amount of HK$500^ or above under the same bill number in a calendar month)
1 10
Funds Transfer to Eligible Deposit Account through Dah Sing e-Deposit
(for every single deposit transaction amount of HK$5,000)
1 10
Fund Transfer to Other Bank's Deposit Accounts*
(only applicable to "FPS service" or "Transfer Express")
(for each funds transfer transaction amount of at least HK$5,000^)
1 10
Buy / Sell Foreign Currency Transaction*
(for every single debit transaction of HK$5,000^)
1 10
YOU Banking Birthday Privilege
Enjoy double YOU Points on your birthday month if you have been using your YOU Banking account for at least 1 year and have maintained a YOU Balance# of at least HK$50,000 for every month over the past 12 calendar months.
X 2


From saving YOU Points to enjoying benefits, simply log on to your Dah Sing e-Banking or Mobile Banking account anytime and anywhere to carry out the relevant checks and redeem your YOU Points for attractive cash rewards.



Redeem YOU Points for cash rewards!

Period of Time for which You Have Been Our YOU Banking Customer
(Count from the next calendar month upon account opening)
Monthly YOU Balance over the Past 12 Months Cash Reward for
1 YOU Point
1 year or more HK$50,000 or above HK$1


Remarks:

* Such Eligible Transaction must be executed via Dah Sing e-Banking or Mobile Banking

** The maximum YOU Points earned from each eligible type and the maximum YOU Points earned in each calendar month will be effective from 1 January 2020.

^ Transaction amount is calculated in Hong Kong dollar or its equivalent.

# The average daily positive balance of all your savings and current accounts maintained with Dah Sing Bank in the capacity as primary account holder in a calendar month (excluding fixed deposit).

With effect from 1 October, 2020, please refer the following table for the types of Eligible Transaction, respective YOU Points earned and the Maximum YOU Points earned from each Eligible Transaction per month.

Type of Eligible Transaction YOU Points earned Maximum YOU Points earned per month
Online Securities Buy / Sell Transaction

excluding IPO application and Stocks Investment Savings Plan
(only applicable to Securities Buy / Sell Transaction via Dah Sing "i-Securities" / "Mobile Securities" using designated Eligible Deposit Account as securities settlement account) Transaction amount refers to the gross transaction amount excluding brokerage and other relevant charges incurred.
2
(for each Buy / Sell Securities Transaction with transaction amount of HK$25,000^ or above)
20
Subscribe or set up any of the following investment services type mentioned below:

Currency Linked Premium Deposit / Currency Linked Principal Guaranteed Deposit / Currency Switching / Investment Fund# / Bonds / Equity Linked Investment

#Excluding Investment Fund switching and monthly instalment of Investment Fund Savings Plan
2
(for each transaction with transaction amount of HK$25,000^ or above)
20
Online Buy / Sell Foreign Currency

(Only applicable to transaction designating Eligible Deposit Account as debit account and via either Dah Sing e-Banking or Mobile Banking). Only debit transactions will be awarded YOU Points.
1
(for every debit transaction with transaction amount of HK$5,000^ or above)
10
Payroll Transaction
  • Autopay
    Automatic payment arrangement where the Eligible Customer's employer directly credits the Eligible Customer's salary to Eligible Customer's Payroll Account maintained with the Bank in the capacity as Primary Account Holder and such arrangement being authorized by the employer. Cash deposit and cheque deposit will not be accepted as autopay in relation to payroll payments.
  • Standing Instruction
    Eligible Payroll Transaction of transferring salary from deposit account under the name of the same Eligible Customer with another bank to the Eligible Customer's Payroll Account maintained with the Bank in the capacity as Primary Account Holder through standing instruction and having signed up for the Bank's 360° Easy Payroll Services.
1
(for payroll transaction(s) in a calendar month)
1
Dah Sing Octopus App Card's Reload with Automatic Add Value Service ("AAVS") transaction 1
(for each Octopus App Card AAVS transaction)
10
Bill Payment Transaction
  • Autopay of Bill Payment
    Only applicable to designating the Eligible Deposit Account as debit account and autopay instruction being set up at the Bank's branch
  • Online Bill Payment Transaction
    Only applicable to designating the Eligible Deposit Account as debit account and bill payments through "PayEasy Online Bill Payment", "Funds Transfer within Dah Sing Bank" (only applicable to fund transfer to Dah Sing Credit Card or cash card) or "Settle Dah Sing Bank Payment" via either Dah Sing e-Banking or Mobile Banking.
1
(Autopay of Bill Payment: for each autopay of bill payment transaction amount of at least HK$1,000^ / Online Bill Payment Transaction: for transactions of cumulative bill payment amount of HK$500^ or above under the same bill number in the same debit account in a calendar month)
10
Fund Transfer to Eligible Deposit Account through FPS / CHATS.

Excluding fund transfer from an existing account maintained with the Bank.
1
(for every single deposit transaction with transaction amount of HK$5,000 or above)
10
YOU Banking Birthday Privilege
Enjoy double YOU Points on your birthday month if you have been using your YOU Banking account for at least 1 year and have maintained a YOU Balance# of at least HK$50,000 for every month over the past 12 calendar months.
X 2

"Eligible Deposit Account":For those account holder of YOU i-Account (in his / her sole name or in the capacity as Primary Account Holder in the case of a joint account), and all of his / her deposit account maintains with the Bank in the capacity as Primary Account Holder

For details of relevant fees and charges, please refer to the prevailing "Bank Service Charges" of the Bank.

^ Transaction amount is calculated in Hong Kong Dollars or equivalent.

  • YOU Banking offers interest-bearing HKD Current Account that not only provides basic savings interest but also come with bonus savings interest rate of 0.125% p.a. if you use designated banking services. This means you own an account offering both savings interest and the convenience of writing cheques.
  • And this is complemented with a Multi-Currency Savings Account that allows you trades in up to 14 foreign currencies (including RMB). You select the currencies and the denomination of your savings. This account also offers daily compound interest calculation and monthly interest payments to give you higher interest returns.
  • 10 free-of-charge fund transfers to other banks through CHATS using the "Transfer Express" service via Dah Sing e-Banking or Mobile Banking
  • Handling fee waiver for purchasing gift vouchers
  • 30-day Free Accidental Death Insurance (insured amount of HK$100,000)
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The New Generation Motto

Online Upgrade to YOU BankingSharing with real friends who feel what you feelBreak free from the cash drain loopSometimes, you may be better off realising your plan step by step
Good friends are hard to come by. Even more so for great partners!Don’t be too smart, but be smart enough to make things easy!

Work-life balance is a matter of choice



Have you come to realise that late sleepers are quite all over the place. Very often, they don't want to go to bed early just because they want to have a little bit more personal space. Well, actually, making good use of digital tools can go a long way to simplifying day-to-day financial chores and buy you more time for something else in your life! Dah Sing YOU Banking provides a host of digital banking aids, such as our e-Bill and IPAY Payment Platform, to make financial management a piece of cake for you. So, you can really enjoy a work-life balance!

Sharing with real friends who feel what you feel



When you see a funny video clip, you'll probably share it with friends instantly. When you visit a newly opened restaurant, you probably can't wait to share some delicious snapshots online. When you come by any latest offers, you'll probably forward the e-coupons to your pals immediately. Yes, this is a digital generation in which it is amazingly easy to share nice experiences with others. At the same time, having friends who feel what you feel is something amazing too.

Break free from the cash drain loop



Every month, do you hate to see your paycheck money drain away, while your bank account balance is stuck at rock-bottom? How can you make a "prison break" from this dreadful situation?
It's easy to break free! Open a YOU Banking account and apply for 360° Easy Payroll Service now!

Sometimes, you may be better off realising your plan step by step



Fresh graduates are often full of ideas. Find a good job, take a long-distance trip, save money to realise dreams in the future…Yet, it can be very demanding to get so many things done at the same time. By the way, haste makes waste! You may be better off taking your time to think through the way forward and plan ahead. Then make your way towards your goal step by step!
With Dah Sing YOU Banking Target Savings Deposit, you can build your savings gradually to achieve your target in a 52-week challenge. No matter how big your dream is, now you can realise it step by step! Let's see how to get started!

Good friends are hard to come by. Even more so for great partners!



The older we get, the more we realise what a blessing it is to have some like-minded partners! As a university student, you may want to have team members who work things out together. As a member of the workforce, you may want to have colleagues whom you can talk to. In the wide wild world, you may want to have good friends who support you…A great partner is not easy to come by. So do treasure your great partner when you happen to meet one!
Let Dah Sing "Power Trade" Securities Services be your investment partner!

Don't be too smart, but be smart enough to make things easy!



In Hong Kong, efficiency is the key. Being able to get things done smartly and easily is what matters! Spotting the shortest queue, getting the MRT exit nearest to the destination, going to the restaurant nearby with no queue…Well, making snappy moves does not mean going about in a mindless hurry! It's okay to cut corners…well by playing smart! Making things easy is the art of living!
Dah Sing YOU Banking is an all-in-one account for your banking and payment transactions. With one single account, you can receive payroll, pay bills, save and spend as well as carry out securities and foreign exchange buy/sell transactions. It's so smart and convenient. You can earn YOU Points easily on every transaction and then convert them into a credit card cash reward of up to HK$600 per year. Being able to earn rewards so easily is what it means to be playing smart!

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Video

YOU Banking (Chinese Version only)

YOU Banking (Chinese Version only)

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Act Now!

Successful application is entitled up to HK$150 Credit Card Cash Reward or 2,000 Avios Reward [For applications via Dah Sing Bank Mobile App only]

Download
Dah Sing Bank Mobile App

Or scan the below QR Code
to apply for YOU Banking via "e-Express"1

Make an Appointment

15-Minute1 Speedy Account Opening

Upgrade to YOU Banking

Only Applicable to the Designated Customer2

  1. You must be aged 18 or above, hold a Hong Kong Permanent Identity Card and must not hold any Dah Sing sole name integrated account in order to apply for a bank account via "e-Express Application".
  2. Customers are required to make an online appointment and bring along the documents required to branch for 15-minute speedy account opening, but subject to the actual situation.
  3. Only applicable to customers who are holding a single name i-Account and Dah Sing e-Banking.


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

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