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YOU BankingYOU Banking

YOU Banking

My Choice - Banking in your style

Online Appointment
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Welcome Offer

UnionPay •WE RewardTake the banking services and tools of your CHOICE
Go GreenOnline Upgrade to YOU Banking

My Choice - Banking in your style

 

YOU Choose • WE Reward

 

From now on, it's up to you to go for fast-tracking savings or other transactions to easily reach your goals for wealth management in your style! Successfully open a YOU Banking account# and finish the simple requirements below of your choice during the Reward Period+ to enjoy an up to HK$900 Credit Card Cash Reward in total.
Enjoy our flexible platform to suit your financial roadmap in your way!

 

Simple requirements of your choice Maximum reward during Reward Period
New Funds Growth for each calendar month* HK$50 for every HK$50,000 Growth, subject to a maximum reward of HK$200 HK$600
Transaction Types HK$50 for every eligible transaction type
  • Payroll, Securities Trading, Foreign Exchange, Bill Payment, App Card AAVS, ATM Card Purchases and Digital Payments**
HK$300

 

#Promotion Period until 30 September 2018。+Reward Period refers to the entire 3 consecutive months starting from the next calendar month of the account opening。
*New Fund Growth for each calendar month refers to "Savings Deposit Growth" which is calculated as the difference between the "Average Daily Savings Deposit Balance" and Deposit Benchmark for each month.
**Digital Payments include Dah Sing JETCO Pay, WeChat Pay Hong Kong, Apple Pay, Google Pay™ and Samsung Pay transactions. Please refer to the terms and conditions for the respective details of each Transaction.

UnionPay • WE Reward

 

Shopping is a matter of choice! YOU will be entitled to a 5% Cash Reward for every UnionPay POS transaction of HK$200 or above made by your YOU Banking ATM Card via the UnionPay network, with up to HK$100 Cash Reward in total++. Available on a first-come-first-served basis! So, you can enjoy Pay and Save balance!

 

Tips: Remember to tell the merchant that you want to pay via UPI network with your ATM Card. Then, enter the 6-digit PIN and sign the payment receipt! Learn more!

 

Offer is subject to the relevant terms and conditions. For details, please click here.

 

++UPI Reward Period until 31 October 2018

YOU Refer • WE Reward

 

Dah Sing 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 account while fulfilling the designated requirements, referrer will enjoy up to HK$3,000 Credit Card Cash Reward! It's time to share joyful experience with your friends.

 

Take the banking services and tools of your CHOICE

 

Tools of your CHOICE Details
360° Easy Payroll Services
  • Bonus savings interest rate up to 2.5% p.a.
  • Welcome reward of an up to HK$600 Cash Reward
Target Savings Deposit
  • Interest rate up to 1.5% p.a.

Available on a first-come-first-served basis!

Financial Management Services Online Transactions Rewards
  • Up to HK$400 for Online Securities trading and Unlimited Buy Brokerage Fee Waiver for the first 3 months
  • HK$100 for FX Transaction Reward
  • HK$100 Cash Reward for Online Subscription for any Investment Fund or Currency Linked Premium Deposit
Insurance
  • Exclusive 5% Premium Discount on Private Motor Car Insurance Switch Plan
ONE+ Credit Card Up to HK$800 Welcome Reward

Go Green and enjoy Monthly Service Fee Waiver Reward

 

  • Opt-out for receiving paper statements to enjoy a Monthly Service Fee Waiver for the first year
  • Full-time university/tertiary institute students will even enjoy an extended 4-Year Monthly Service Fee Waiver

Online Upgrade

 

Successfully online upgrade and use e-statement only to enjoy HK$100 Cash 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$1,200 of credit card cash reward, the higher the transactions number, and the longer the duration, the more YOU Points you will gain.

The more transactions, the more rewards you can get!

Type of Eligible Transactions YOU Points Earned
Autopay of Bill Payment
(for each autopay of bill payment transaction of at least HK$1,000)
1
Dah Sing Octopus App Card's Reload with Automatic Add Value Service ("AAVS") Transaction
(for each AAVS transaction)
1
Payroll Transaction through Autopay
(for payroll transaction(s) in a calendar month)
2
Eligible Payroll Transaction through Standing Instruction
(for payroll transaction(s) in a calendar month)
1
Securities Buy Transaction via Dah Sing "i-Securities" / "Mobile Securities"
(for every single transaction amount of HK$25,000^)
1
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
Fund Transfer to Dah Sing Bank's Deposit Account through e-Deposit via Dah Sing e-Banking
(for every single deposit transaction amount of HK$5,000)
1
Fund Transfer to Other Bank's Deposit Accounts* (Transfer Free and Transfer Express only)
(for each fund transfer transaction amount of at least HK$5,000)
1
Buy / Sell Foreign Currency Transaction*
(for every single debit transaction of HK$5,000^)
1
YOU Banking Birthday Privilege
Birthday surprise: You can have your YOU Points doubled for the month of your birthday 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 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.

 

The longer you have been our YOU Banking Customer, the more cash rewards you can redeem with YOU Points!

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
5 years or more HK$100,000 or above HK$5
10 years or more HK$150,000 or above HK$10

Remarks:
* Such Eligible Transaction must be executed via Dah Sing e-Banking or Mobile Banking
^ 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).

  • 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
  • 50% discount on Private Car Insurance Premium
  • 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.

To help spread the joy of sharing, Dah Sing YOU Banking has put up an 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 account while fulfilling the designated requirements, referrer will enjoy up to HK$3,000 Credit Card Cash Reward!

Your referees will also enjoy a welcome offer of up to HK$3,000 and a bonus savings interest rate of up to 2.5% p.a. Now, it's time to share this nice experience!

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! As a new customer, open a YOU Banking account and apply for the 360° Easy Payroll Service to manage your payroll and finances at one go. A Welcome Offer of up to HK$6,900 plus a 2.5% Bonus Savings Interest Rate will be yours!

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! YOU Banking customers who open a new securities account will enjoy up to HK$400 for Online Securities trading and Unlimited Buy Brokerage Fee Waiver for the first 3 months!

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$1,200 per year. Being able to earn rewards so easily is what it means to be playing smart!

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Video

YOU Points (Chinese Version only)

YOU Points (Chinese Version only)

YOU Banking (Chinese Version only)

YOU Banking (Chinese Version only)

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Online Application Rewards

Online Appointment

  • Receive a b. yourself CAFÉ Mini Cake Voucher
  • 15-Minute~ Speedy Account Opening

Upgrade to
YOU Banking

  • Upgrade to YOU Banking and opt out for paper statement to enjoy HK$100 Cash Reward
  • Only Applicable to the customer who is holding a single name i-Account and Dah Sing e-Banking

~ Customer is required to make online appointment and bring along the documents required to branch for 15-minute speedy account opening, but subject to the actual situation.

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

 

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