"Total Relationship Value" Plan
An Aggregate Value for Total Financial Management
 
  		• Aim
       
  		• "Total Relationship Value"     Covers all Your Relationships with us
       
  		• "Total Relationship Value" Plan     Brings You Higher Fixed Deposit Interest Rate
       
  		• Calculation of "Total Relationship Value"
       
  		• New Fees and Exemption
     

    Aim
     
    Dah Sing Bank treasures the relationship with every customer. With an aim to encourage customers to enjoy more of our quality banking services, we introduce a new "Total Relationship Value" Plan that offers you more deposit add-value benefits as well. This demonstrates our commitment to providing you with quality financial services and enabling you to enjoy more interest return and benefits from Dah Sing Bank services.

    "Total Relationship Value" Covers all Your Relationships with us
     
    Through "Total Relationship Value" Plan, we will automatically calculate an integrated relationship value for all savings / current account customers by summing up all the balances of their accounts with Dah Sing Bank, including deposits, investments, loans, credit cards, mortgage and cash value of insurance. So all your financial values can be truly integrated under this "Total Relationship Value" Plan. In addition to your individual balances, we will also include all your joint account(s) balances.

    "Total Relationship Value" Plan Brings You Higher Fixed Deposit Interest Rate
     
    "Total Relationship Value" Plan enables your fixed deposits to enjoy more preferential interest returns. You just need to maintain a "Total Relationship Value" of HK$5,000 or above and enjoy extra interest rate mark-up* for your HKD Fixed Deposit.

    In addition, your HKD savings accounts will continue to enjoy interest earning. The higher the deposit amount, the greater the interest return you will enjoy ! For interest rate enquiry, please press here.

     
    * Interest rate mark-up applies to newly-opened HKD Fixed Deposit with at least HK$100,000 and 1-month tenor.
     

    Calculation of "Total Relationship Value"
     
    Deposits
    Deposit balance of all Hong Kong Dollar / Foreign Currencies deposit accounts including Savings / Current / i-Account and Character Consolidated Account / Fixed Deposit / Target Savings Deposit
    		 +
    Investments
    Market value of Investment Funds / Bonds / Notes / Securities

    Deposits / Investment amount of Retail Certificates of Deposits / Equity Linked Deposits / Structured Deposits / Callable Target Deposits / Currency-Linked Premium Deposits / Equity Linked Investment

    Margin deposit of Foreign Exchange Margin

    +
     
    +
    Credit Card / Debit Card
    Outstanding debit balance of Credit Card (including retail purchase and cash advance)

    Deposit balance of Debit Card
    		+
    Personal Loan
    Outstanding debit balance of utilised Personal Loan / Overdraft / Revolving Loan
    +
     
    +
    Mortgage
    Outstanding debit balance
    		 +
    Insurance
    Cash value of Life Insurance Policies with savings element

    Table for Illustration

    Example 1 :
    Mr. Cheung opens a Dah Sing HKD savings account, and the total value of his individual account is as follows:

      Product / Service Balance (HKD)
    Mr. Cheung's Individual Account 1. Savings Account
    2. Securities Account
    3. Credit Card    		 Deposit $50,000
    Market value $100,000
    Debit balance $10,000
    Mr. Cheung & Mrs. Cheung's Joint Account 1. Mortgage Debit balance $1,500,000
    Mr. Cheung's "Total Relationship Value" $1,660,000

    Example 2:
    Mr. Lee and Mrs. Lee open a joint foreign currency savings account in Dah Sing Bank, and the total value under their joint account is as follows:

      Product / Service Balance (HKD)
    Mr. Lee & Mrs. Lee's Joint Account 1. Savings Account
    2. Mortgage
    3. Foreign Exchange Margin    		 Deposit $3,000
    Debit balance $1,500,000
    Margin deposit $100,000
    Mr. Lee's Individual Account 1. Savings Account
    2. Securities Account
    3. Credit Card    		 Deposit $10,000
    Market value $50,000
    Debit balance $100,000
    Mr. Lee & Mrs. Lee's Joint Account "Total Relationship Value" $1,763,000

    The more you use our banking services, the higher the "Total Relationship Value" you will get !
    Note: If you open a joint savings / current account, the balances of the accounts under your name and the joint account holder(s) will be counted to the "Total Relationship Value" Plan as well.

    Fees Exemption
     
    To encourage customers to enjoy our quality banking services for the best financial convenience, customers whose Dah Sing Savings Account (including HKD / Foreign Currency Savings Account or EasiSave Multicurrency Savings Account) or Current Account (including HKD or USD) with "Total Relationship Value" of HK$5,000 or above will enjoy a waiver on the relevant account maintenance fee.
    Note: 1) Accounts to be counted into the "Total Relationship Value" Plan must maintain satisfactory account status with the Bank.
    2) For customers who have more than one individual savings / current accounts, if the "Total Relationship Value" does not meet the minimum requirement, the Bank will only levy maintenance fee once.
    3) For customers who have individual as well as joint savings / current accounts, the Bank will levy maintenance fee to each respective individual and joint account if the "Total Relationship Value" of individual and joint account do not meet the minimum requirement.

    To take care of all walks of life in the society, the following customers can be exempted from the maintenance fee:

    • Seniors (aged 65 or above)
    • Minors (aged below 18)
    • Customers who receive welfare allowances or allowances from Social Welfare Department (applicable to customers whose allowance is credited to Dah Sing Bank account)
    For more information, please call 2828 8000