Wing Hang Bank Limited is Hong Kong"s sixth biggest bank by total assets.
In Macau it is known as Banco Weng Hang S.A.. In fiscal 2003, the bank had total assets of HK$89 billion, and net profits of HK$864 million.
History
The bank was founded in 1937 in Guangzhou, and opened its first branch in Macau in 1941. It was incorporated as a banking company in 1960.
Irving Trust acquired a majority stake in 1973, but when Irving Trust merged with Bank of New York in 1988, the latter gradually started to sell down its stake in Wing Hang. As of 2005, the Bank of New York owns 20% of Wing Hang Bank.
Wing Hang acquired Chekiang First Bank in 2003 for HK$4.8 billion. At the time, Wing Hang had 27 branches in Hong Kong and 11 branches in Macau through its Macau subsidiary. It also had a branch office in Shenzhen and representative offices in Guangzhou and Shanghai. As of 31 December, 2002, Wing Hang had total assets of HK$57.1 billion.
Chekiang First Bank was a bank in Hong Kong. Japan"s Dai-Ichi Kangyo Bank (now the Mizuho Corporate Bank), had acquired the bank some years earlier. Chekiang First Bank was founded in Shanghai and was re-established in Hong Kong in 1950. At the time of the merger with Wing Hang it had 17 branches in Hong Kong, a wholly-owned subsidiary in Luxembourg, an agency in San Francisco and a representative office in Shanghai. As of 31 December, 2002, Chekiang First had total assets of HK$27.8 billion. Wing Hang subsequent re-branded all services under the Wing Hang brand.
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| Tailored Only for a Few Elites |
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| | Introducing "Wing Hang Elite Gold Banking", a priority and professional wealth management service tailor-designed to help create greater growth potential for your wealth with a host of exclusive privileges and benefits that can truly reflect your prestigious status. Our dedicated Relationship Managers will provide you with attentive and personalized service to meet your different financial needs. Coupled with our comprehensive range of wealth management products, you can depend on Wing Hang Elite Gold Banking to provide the support and expertise you need to achieve your financial goals and keep your wealth grow. |
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| | Designated Relationship Manager - Dedicated to Growing Your Wealth |
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| | | A dedicated Relationship Manager will be specially assigned to provide attentive and personalized service to cater for your different financial needs. Your designated Relationship Manager will provide wealth management advice for your choice according to your financial objectives, review your overall investment portfolio periodically and keep you abreast of economic trends to help you capitalize on every investment opportunity. That way, you can manage your wealth in a hassle-free way and let yourself have more time to enjoy the finer things in life. | |
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| | Wealth Management Centres – Dedicated Centres to Serve You Better |
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| | Our Wealth Management Centres can provide you with spacious, comfortable and relaxing environments to enjoy priority attention and professional wealth management services. |
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| | Priority Counter Services |
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| | You can enjoy exclusive priority service at both our Customer Service desks and designated teller counters (Wing Hang Elite Gold Banking Counters) so that you could save your invaluable time and enjoy our superior banking services in the most efficient way. |
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| | Express Stock Order Placement Service – Exclusively Available for You |
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| | Our express stock order placement service, manned by dedicated customer service officers, provides you with direct and convenient order placement. |
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| | Pre-approved "Elite Gold Platinum Credit Card" |
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| | In recognition of your prestigious status, we are pleased to present you with a pre-approved "Elite Gold Platinum Credit Card" which allows you to enjoy an array of magnificent offers including:
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| |  | Spending Reward Scheme | | | 
| "0.8% Cash Rebate" - You can enjoy a perpetual 0.8% Cash Rebate1 on all retail spending made with your card. That is, with HK$10,000 card spending, you will earn HK$80 cash rebate, the highest rebate ratio in town! | | | OR | | | | | "Wing Hang Mileage" - Upon enrollment of "Wing Hang Mileage" scheme2, every HK$8 retail spending can earn you 1 mile. By accumulating miles, you can redeem free air-tickets, traveling anywhere you want! | | | | | | Fabulous Birthday Gift | | | In celebration of your birthday, we will prepare a birthday gift for every prestigious Platinum Credit Cardmember like you during your birthday month. | | | | Other Special Privileges | | | | 24-hour worldwide travel assistance emergency services | | | | Global purchase protection and travel insurance plan3 | |
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| | Exclusive "Elite Gold Card" with Annual Fee Waiver |
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| | You can use your "Elite Gold Card" to manage your finance at any JETCO ATMs in Hong Kong and Macau anytime, anywhere. |
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| | | Obtain cash and make deposits | | | | Transfer funds | | | | Make account balance enquiries | |
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| | Consolidated Monthly Statement |
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| | An easy-to-read consolidated statement incorporating all your linked accounts" information, such as transaction details and outstanding balances (up to the statement date) will be sent to you monthly so that you can manage your personal finance easily and efficiently. |
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| | Exclusive Privileges on Various Investment Products |
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| | To cater for your different financial needs, we provide you a wide range of wealth management products and services to help you take advantage of every wealth enhancement opportunity. Services include Time Deposit, Target Savings Plan, Securities Trading Services, Unit Trust, Foreign Exchange Margin, Currency-linked Deposit, Equity Linked Deposit, Certificate of Deposit and Gold Trading.
As our Wing Hang Elite Gold Banking customer, you can enjoy a host of exclusive privileges on our various wealth management products, including : |
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| | | Bonus interest rate for Time Deposit4 | | | | Exclusive discount on Unit Trust subscription fee | | | | Preferential brokerage fee for Securities Trading | | | | 2000 free real-time stock quotes per month5 | | | | Preferential charge for IPO financing | | | | Handling fee waiver for Gold Bullion physical trading | |
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| | Comprehensive Insurance Services - Ultimate Protection and Peace of Mind |
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| | Our comprehensive insurance services provide you and your loved ones ultimate protection and additional peace of mind. As our Wing Hang Elite Gold Banking customer, you can enjoy premium discount on the following insurance plans: |
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| | | | Insurance Plan | | Premium Discount Offer | | "Travelplus" Insurance Plan | | 20% off | | | | "Home Safe Plus" Insurance Plan | | 10% off | | | | Personal Accident Insurance Plan | | 10% off | | | | "MediExpress" China Medical Card | | 5% off | | | |
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| | Preferential Interest Rate and Other Supreme Offers |
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| | | Preferential interest rate for Residential Mortgage Loan and free property valuation service6 | | | | Handling fee waiver for Personal Loan | | | | 50% discount on annual fee of overdraft facility | | | | Waiver of handling charges on banking services, including Foreign Notes/RMB Exchange, Cashier Order, Gift Cheque and Traveler"s Cheque | | | | Free "Easy Transfer" service7 | |
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| | Join the Exclusive World of Wing Hang Elite Gold Banking Today! |
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| | Come experience the exclusive privileges and first-class banking services by simply maintaining an average daily total relationship balance8 of HK$2,000,000 or above. For enquires, please visit any of our branches or our Wealth Management Centres, or call our Customer Service Hotline. |
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| | Customer Service Hotline : 3199 9188 |
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| | | Remarks: | | | (a) 0.8% Cash Rebate is only applicable to Cardmember who has opted for "Cash Rebate" scheme. (b) The cash rebate will be shown on the next statement after transaction. The monthly cash rebate amount is capped at 0.8% of 5 times of the current permanent credit limit (not applicable to temporary credit limit and extra credit limit induced by credit balance). (c) 0.8% Cash Rebate is only applicable to retail spending. Octopus automatic add-value transaction is eligible for the existing 0.52% cash rebate only. | | | To learn more about the "Wing Hang Mileage" scheme, please refer to the program leaflet which is sent along with the new card. Upon successful enrollment of "Wing Hang Mileage" scheme, your Platinum Credit Card"s spending amount will no longer be given cash rebate. The handling fee of free air-ticket redemption is HK$30 per ticket, and this handling fee will be automatically charged to the Cardmember"s card account. | | | Compensation is subject to the terms and conditions of the relevant policies. | | | Customers can enjoy a preferential interest rate for HKD fixed deposit placed at our branches with New Fund of HK$100,000 or above with tenor 1 month or above. | | | Customers should maintain Wing Hang Bank securities trading account and apply for Internet Trade Service. | | | Free property valuation service is only applicable to owner-occupied residential properties. | | | Please refer to "Easy Transfer" leaflet for details. | | | The Bank will calculate the average daily total relationship balance of the account(s) on a monthly basis. | The above offers cannot be used in conjunction with any other promotion offers of the bank. Wing Hang Bank reserves the right to make all final decisions and changes to the above privileges, offers, services and fees without prior notice.
Customers should note that all investments involve risks. Prices of securities and unit trusts may fluctuate from time to time and may even become valueless. Customers are advised to read and consider carefully all the relevant investment products offering documents before making any investment decision. All deposits and investment products will be subject to the terms and conditions of the respective account opening documentation and investment product documentation. | |
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| Exclusive Banking Privileges for the Select Few |
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| | "Wing Hang Elite Banking" tailors a series of superior banking services and privileges for our premier customers, such as yourself, giving you real enjoyment on meticulous wealth management services. |
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| | | Preferential Rates and Service Fee | | 
| Preferential interest rate for Residential Mortgage Loan | | | Handling fee waiver for Personal Loan | | | 50% discount on annual fee of overdraft facility | | | Handling fee waiver on Gift Cheque, Traveler"s Cheque and Cashier Order | | | Handling fee waiver for gold bullion physical trading |
| Pre-approved Wing Hang Visa / Master Gold card with first 3-year annual fee waiver | |
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| | To enjoy supreme personal banking services and above-mentioned privileges, simply maintain a minimum aggregate daily average deposit balance equivalent to HK$500,000 in all accounts linked to "Wing Hang Elite Banking"6 and you will get all privileged services for wealth management. |
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| | Simply visit any of our branches or Wealth Management Centre for application.
Enquiry Hotline : 3199 9188 |
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| | | Terms & Conditions | | | Customers should maintain Wing Hang Bank securities trading account and apply for Internet Trade Service. | | | Applicable for owner-occupied residential properties only. | | | Please refer to "Easy Transfer" leaflet for details. | | | Only applicable for personal account. For joint account, individual application is required. | | | Customers are required to apply for "eAlert" service to receive securities trade auto-confirmation via mobile phone. | | | If the aggregate daily average deposit balance of "Wing Hang Elite Banking" falls below HK$500,000 in the past month, a monthly service fee of HK$120 will be charged for that month and debited from the primary account. | | Investors should note that all investments involve risk and they are advised to take serious considerations before making any investment decision. Investors should refer to the relevant investment fund"s offering documents before making any decision. Securities market and bonds price might fluctuate from time to time. All securities and bonds trading involve risk. | |
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| | Enjoy the convenience and flexibility of financial management |
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| Wing Hang eBanking services go beyond the limitation of time and location to bring you the latest news and information. By using ATM, phone or Internet, you may enjoy the convenience and flexibility of personal financial management anytime, anywhere. |
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| | ENJOY a full range of services |
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| | | No need to register. A full range of free online services is available with only one click: | |
| Applications for SME working capital finance, mortgage, personal loan, revolving credit and credit card | | | Travel insurance application | | | Updated financial news, deposit rates, foreign exchange rates and gold prices | | | Wing Hang Bank products information and new promotions | |
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| | | SEIZE every investment opportunity | | Providing you extra convenience, Wing Hang eBanking provides you with updated securities market information and allows you capture every investment opportunity. You can buy / sell securities, gold or foreign currencies via various electronic channels. Also, you can enjoy the securities order auto-confirmation service free of charge. Coupled with the Automatic Order Matching and Execution System / Third Generation (AMS/3), you can now experience the highest efficiency through our "Straight-through" securities trading services. | |
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| | | RELISH hundred percent security protection | | We have adopted a universal encryption standard, 128-bit Secure Sockets Layer (SSL), for Internet message transmission and Triple Data Encryption Standard for electronic banking services. Two-factor authentication further protects you from Internet banking fraud and increases the security when you conduct all high-risk Internet banking transactions. eBanking provides you with the most confidentiality and keeps your personal information out of reach from others. | |
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| | Convenient ATM Services |
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| With Wing Hang ATM Card, you can withdraw cash, transfer fund, enquire account balance and change Personal Identification Number (PIN) at any ATM with the JETCO / China UnionPay* logo in Hong Kong, Macau and Mainland China. You can also |
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| | | | Withdraw cash at any ATM with PLUS logo / China UnionPay logo* all over the world | | | Pay for bills without prior registration at any ATM display JET Payment logo | | | Transfer funds to account in other JETCO member banks at any ATM display INTERBANK TRANSFER logo without prior registration, click here to view the relevant terms & conditions. | | | Purchase through point-of-sale terminals with China UnionPay logo* | | | Enjoy electronic payment service of EPS and PPS | |
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| In addition to the above-mentioned ATM services, customers can also choose to apply for the comparatively more simple and easy-to-use "Fast Cash" ATM Service which provides convenient cash withdrawal service and PIN change function with Chinese display. |
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| | | ENROLL bundle of free services | | Simply visit any of our branches to apply for Wing Hang eBanking services and enjoy the convenience today!
| | Wing Hang Telematic Banking Services: 2815 5211 | | | | Wing Hang Telematic Stock Enquiry Services: 2383 2992 | | | | Wing Hang Telematic Stock Trading Services: 2333 6988 | | Customer Service Hotline: 3199 9188 | |
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| * Applicable to China Unionpay Cards Only. |
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| A diversification of our deposit services provides you with different advantages of convenience and interest return. You can enjoy round-the-clock financial management service anywhere and anytime flexibly by using Internet, phone or ATMs. |
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| | What"s more, with the introduction of Easy Link Account, it consolidates your different banking accounts under one roof, enabling you to manage your finance in an efficient way. |
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| | Just select the deposit service best suit for you. |
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| Wing Hang Bank mortgage services provide you with tailor-made solution to meet your home financing needs no matter you are a first time home buyer, planning to upgrade, or refinance the existing mortgage loan in seeking for favorable offer or flexible liquidity. |
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| Wing Hang Bank Limited ("Wing Hang Bank")* offers you a wide range of insurance services to bring you peace of mind. With years of experience and expertise, we provide you with trustworthy and reliable services including: |
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| With Wing Hang Bank"s vast network of correspondent banks located in all the financial centres of the world, the Bank offers customers a fast and efficient Money Transfer Service through Telegraphic Transfer, RTGS (CHATS), Demand Draft or Mail Transfer. |
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| | | HK-Shenzhen Real Time Remittance Service | | An efficient real time HKD or USD remittance via RTGS to beneficiary"s accounts at our Shenzhen Branch. | | HK-Macau Instant Remittance | | A real time HKD remittance via branches or Internet to beneficiary"s account at Banco Weng Hang S.A | |
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| Wing Hang Bank Investment Services help you grasp every investment opportunity |
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| Wing Hang SME Banking Accelerate Your Business Growth With Our Speedy Support |
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| | | Ad hoc promotion offers | | In a fast-moving business world, we understand the importance of time and working capital for your business development. With our extensive branch and service network throughout Hong Kong, Macau and China, and a team of dedicated and professional Account Managers, we strive to provide you with the most efficient and excellent SME (Small & Medium Sized Enterprises) Banking Service and various superior privileges enabling you to grasp more business opportunities. | |
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| | | Comprehensive Trade Finance Solutions | | We provide professional import-related and export-related trade services, as well as extensive trade finance solutions including invoice discounting and packing loans, etc., enabling you to boost your competitive edge in the fast-paced business world. | |
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| | | Flexible Range of Business Credit Facilities | | In addition to trade finance, we also offer a wide range of short-term to long-term business credit facilities, including unsecured overdraft / loan, mortgage loan, equipment finance, and corporate tax loan. Moreover, we can also meet your financial needs in China and Macau through our extensive network. Our Account Managers can tailor-make a one-step financial management solution to help you achieve greater financial flexibility. | |
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| | | "SME Loan Guarantee Scheme" | | We can assist you to apply for the "SME Loan Guarantee Scheme" to enjoy a loan amount as high as HK$8 million with preferential interest rate to help you pursue your business expansion. | |
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| | | Prompt Remittance Service | | With our extensive worldwide network, you can arrange your remittance to designated bank accounts in more than 60 countries around the world in an efficient way. | | 
| For HK-China remittance, we provide HKD / USD Real Time Gross Settlement System (RTGS), to ensure reliable and efficient remittance between Shenzhen and Hong Kong. | | | For HK-Macau remittance, our brand-new "HK-Macau Instant Remittance" service allows you to make a real time HKD remittance to beneficiary"s accounts at Banco Weng Hang S.A. | |
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| | | Comprehensive Capital Management Service | | We provide a comprehensive range of deposit and investment plans for you to gain the full benefit of flexibility and high yield with your surplus capital. Also, through our Wing Hang Business eBanking Service, you can enjoy the most convenient service and manage your company"s finance online anytime, anywhere at your fingertips. | |
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| | | Diverse Range of Insurance Products | | We offer a variety of insurance products for you to protect your company"s assets and employees, such as office insurance, third party insurance, business travel insurance and life insurance. Our insurance service can also be tailor-designed for your company"s specific needs. | |
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| | | MPF & Payroll Services | | Our professional MPF service ensures your employees to enjoy reliable retirement protection. We can also provide you with free and user-friendly MPF software and calculator to facilitate your MPF calculations. Furthermore, we can offer you other supporting services including payroll and MPF contributions autopay services and employee income tax return services, etc. Meanwhile, you can simply manage your company account via our autopay service to enjoy hassle-free corporate account management. | |
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| | | "eMerchant Acquiring Service" | | We can provide you with "eMerchant Acquiring Service" which is a comprehensive, integrated and reliable electronic payment processing platform for real-time transactions. It allows you to receive secure online payment from around the world and ensures 100% protection against unauthorized transactions without any extra remittance fees. | |
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| | | We value your total relationship with us as partners and wish to be able to help you expand your business. If you would like to know more details about "Wing Hang SME Banking" service or open a company account, please visit any of our branches or call our SME Banking Enquiry Hotline on 2633 0628. | |
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| | | Wing Hang Bank, Limited ("the Bank") has the right to change, amend and vary all and any of the above privileges and terms and conditions from time to time and at any time without prior notice to any customer. Regarding all matters and disputes concerning or arising from the above privileges and the terms and conditions, the Bank"s decision and interpretation shall be final, conclusive and binding on the customers. If there is any discrepancy between the English and the Chinese versions hereof, the English version shall prevail. | |
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| Wing Hang Bank* offers equipment financing packages to assist enterprises to expand their business in Hong Kong and Mainland China. |
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| | | Wide Area Coverage | | We finance equipment which located either in Hong Kong or in Mainland China. | |
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| | | Flexible Choice of Equipment | | We finance various types of equipment, including brand new and used models. | |
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| | | Flexible Financial Arrangement | | Choice of leasing or hire purchase to meet the needs of individual enterprises. | |
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| | | High Credit Limits | | Our ability to finance up to 90% of the value of your equipment increases your liquidity. | |
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| | | Competitive Rate Offers | | Preferential rate, either floating or fixed, to ease your interest burden. | |
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| | | Long Repayment Schedules | | Up to 5-year term to help you expand your business without worry. | |
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| | | Enquiry Hotline: | 2862 1307 | | Fax Hotline: | 2542 3023 | |
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| With our extensive worldwide network in remittance services, you can arrange your remittance to designated bank accounts in more than 60 countries around the world, giving you total flexibility and control over your finance.
For China remittance, we provide HKD / USD Real Time Gross Settlement System (RTGS), easy remittance between Shenzhen and Hong Kong. Furthermore, our brand new "HK-Macau Instant Remittance" service is so effective which allows you to get more business opportunities. |
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| To provide comprehensive services to our customers, Wing Hang Bank Limited ("Wing Hang Bank") has set up a MPF services Department and formed the Bank Consortium Trust Company Limited ("BCT") with other 7 local banks in 1999. The advanced technology, professional expertise and wide network of BCT ensure the delivery of comprehensive MPF service to our customers.
Meanwhile, all our MPF promotion staff have acquired the MPF Intermediaries licenses to make sure our customers always receive professional advice and high quality services on MPF Plan & Industrial Plan of Bank Consortium Trust Company Limited.
For further information about "BCT" MPF Services, please call our MPF Services Hotline at 2272 8888, or drop into any one of our branches to make an appointment with our customer service officer. |
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