328 Business Banking328 Business Banking

328 Business Banking

Broaden Your Roadmap of Business Success
Reach Out for Opportunities at Lower Costs

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Welcome Offer

Save Operation CostGain up to 0.7% Savings Interest Rate
  • 50% Waiver of First-3-month Handling Fee for RemittancesX
  • 50% Waiver of Handling Fee for 328 SME LoanXIV
  • 50% Wavier of Banking Service Fees*


*This offer is one of 328 Business Rewards, which is only applicable to the existing and new 328 Business Banking Customer with the Premium Status. For details, terms and conditions, please refer to the following section of 328 Business Rewards or contact the Bank's staff.


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

Up to 0.7% Preferential HKD Savings Interest Rate (p.a.)XVII

Up to HK$3,500 Bonus Savings Interest RewardXX
  • Up to HK$2,000 Payroll RewardXX
  • HK$300 Dah Sing Business Card Cash RebateXXIV

Referral Rewards

Existing personal customer can enjoy up to HK$800 Referral RewardsXXXII upon successful referral of a new company customer. Refer more to earn more!


Download Referral Form



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, gain more 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, and enjoy account opening rewards.


  • 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 administration platform.


  • Look up account balances, online transactions and credit card e-statements at any time
  • 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
  • 7 x 24 real-time transfer of funds in HKD or RMB to/from bank account of other local participating banks via FPS#
  • 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.

# It is free-of-charge for FPS inward transfer. For the charge of using other services, please refer to the Bank Service Charges on the Bank’s  Website.

* 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.

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 (including Visa Card, MasterCard, UnionPay Card, American Express*, EPS*, and JCB* etc.) and Mobile Payment (including Apple Pay, Google Pay™ and Samsung Pay)
  • 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 is required to submit applications to relevant card companies individually.

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 premium30 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



Act Now!

328 Business Banking

Online Application
Enquiry Hotline 2828 8008
(Mon – Fri : 9:00am to 5:45pm)
Required Documents for Account Opening

Merchant Card
Acceptance Services

Online Appointment
Enquiry / Application 2828 8189

The Promotion Period is from 1 September 2018 to 31 December 2018.

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