JengDeal pick: DBS Treasures code H0UQW68U — welcome rewards up to HK$53,800
Use H0UQW68U if DBS Treasures already fits your plans. The bank advertises up to HK$53,800, but the referral route still needs new-customer status and an average HK$1,000,000 relationship balance; read the current terms before moving money.
Read our full assessment →Quick answer
Use code H0UQW68U for the DBS Treasures (星展豐盛理財) offer. New eligible customers can get Up to HK$53,800 after meeting the requirement: Maintain average personal relationship balance of at least HK$1,000,000 (or foreign-currency equivalent) during the applicable campaign counting period. Last verified 2026-10-24.
- Reward
- Up to HK$53,800
- Referral code
H0UQW68U- Last verified
- 2026-10-24
- Difficulty
- Hard
- Time to claim
- 20–30 minutes to apply, plus the campaign's balance-counting period
- Time to payout
- Welcome rewards are credited to your DBS current account in February, March or April 2027 for October, November or December joiners; the Securities Transfer-in Reward by 30 April 2027.
H0UQW68UAd / referral links — we may earn a bonus when you sign up.
How to claim
- Open this DBS referral page and confirm that H0UQW68U is shown before you start the application.
- Apply for DBS Treasures through DBS digibank HK or arrange a branch appointment, using the same code before becoming a customer.
- Check that you are at least 18, a Hong Kong permanent resident for the app route, and new to DBS for the previous 18 months (DBS credit cards are the stated exception).
- From the seventh day after becoming a customer, keep the required average personal relationship balance through the counting period for your joining month: to 31 December 2026 for October, 31 January 2027 for November, or 28 February 2027 for December.
- Keep the Treasures relationship active until the applicable reward date and read the current welcome-offer terms for the exact products, reward components and any investment or insurance conditions.
Eligibility & requirements
- The referral campaign runs from 1 October to 31 December 2026; joining month determines the balance-counting and reward dates.
- Enter H0UQW68U no later than the date you become a DBS Treasures customer; DBS records the first referral form or code submission if more than one person refers you.
- The referral terms require no DBS product or service in the previous 18 months, except a DBS credit card, and successful new-customer status during the campaign.
- The balance test starts on day 7 after becoming a customer and uses average personal relationship value of at least HK$1,000,000; DBS includes deposits, securities, funds, bonds, paper gold and other listed products.
- The advertised HK$53,800 is a maximum welcome headline, not a guaranteed cash payment; the live DBS welcome terms control the reward mix and qualification.
- Closing within 3 months of joining costs HK$500 plus the value of rewards paid; the HK$300 monthly service fee is waived for 12 months for Q4 joiners.
- Foreign exchange, securities, funds, insurance and structured products have separate fees and investment risks.
Verification notes
- Minimum spend/deposit
- Maintain average personal relationship balance of at least HK$1,000,000 (or foreign-currency equivalent) during the applicable campaign counting period
- Last verified
- 24 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Official DBS referral page carries a traceable code and a published campaign end date.
- DBS advertises welcome rewards up to HK$53,800 for the Treasures route.
- Eligible deposits are held with an authorized Hong Kong bank; the Treasures service includes a dedicated relationship manager.
Watch out for
- The required HK$1,000,000 average relationship balance is substantial and is not a simple cash-sign-up bonus.
- The headline maximum does not tell you which reward components you personally qualify for.
- Reward dates are months after joining, and the Treasures relationship must remain active.
- Investment and insurance products may be part of the current welcome mix and carry their own costs and risks.
FAQ
- What DBS code should I use?
- Use H0UQW68U through this referral page and check that it is attached before you submit the DBS application.
- Is HK$53,800 guaranteed?
- No. It is the sum of six caps (HK$300 + HK$3,000 + HK$1,000 + up to HK$22,500 + HK$7,000 + up to HK$20,000); a HK$1,000,000 deposit alone earns HK$3,300.
- How much money must I keep with DBS?
- The referral terms require an average personal relationship balance of at least HK$1,000,000 from the seventh day after joining through the applicable counting period. Confirm the calculation in the live terms.
- Who counts as new to DBS?
- The referral terms say you must not have held a DBS product or service in the previous 18 months; a DBS credit card is the stated exception.
- When is the reward paid?
- The referral page lists 28 February 2027 for October joiners, 31 March 2027 for November joiners and 30 April 2027 for December joiners. The applicable welcome terms control the final payment.
- Do I need to invest to get the reward?
- No. The HK$3,000 New Funds Reward needs only a HK$1,000,000 relationship balance (time deposits count). The HK$300 needs an app join, a monthly log-in, a Wealth Management Account and the Financial Needs Analysis. The investment, insurance and transfer-in rewards are optional.
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