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Compare Bank Accounts in Hong Kong 2025

Search for the best bank accounts to align with your personal saving goals and earn fixed deposit interests. Read More
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We found 13 Savings accounts for you!
Recommended
DBS Treasures

Base Interest Rate

0.001%
MoneySmart Exclusive

DBS Treasures

New Funds Offer
Up to 6% Total Savings Interest Rate*
Minimum Initial Deposit
HK$1,000,000
Base Interest Rate
0.001%

【Extended to 9.30 💎Flash Sale Alert: Unlock up to HK$61,208 Rewards】
From now until 30 September 2025, new customers who successfully open a bank account and join DBS Treasures, and maintain a monthly total relationship balance in the amount of HK$1,000,000 or above (or equivalent) during the applicable Funds Counting Period can receive up to HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP supermarket voucher or TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838) by:
1️⃣ downloading DBS digibank HK app via the designated MoneySmart link and entering the promotion code “DBSMS” when applying for account opening online; or
2️⃣ making an account opening appointment via the designated MoneySmart link and providing the promotion code “DBSMS” to the staff at a DBS branch.
⠀⠀
Maintaining a designated monthly Total Relationship Balance during the applicable Funds Counting Period will earn you HK$1,500 cash rewards* from DBS. Including the welcome offer, you can enjoy up to HK$61,208 rewards and a Total Savings Interest Rate* up to 6% p.a.!

Valid until 30 Sep 2025 - See more details below
Apply Now
Mox Bank Account

Minimum Initial Deposit

HK$0

Mox Bank Account

Saving rate up to for new customer
2%
Unlimited CashBack at all supermarkets
3%
Minimum Initial Deposit
HK$0
Apply Now
Airwallex Global Account

Welcome offer

Up to 10,000 Asia Miles
MoneySmart Exclusive
Save time opening accounts across the globe

Airwallex Global Account

Monthly Account Fee
0
Minimum Initial Deposit
N/A
Welcome offer
Up to 10,000 Asia Miles
 【MoneySmart Exclusive: Up to 🆙10,000 Miles】
Go Global, Get Rewarded with Airwallex. Pay anytime, anywhere, accepting currencies in over 60 countries and paying out to more than 200. Create an Airwallex Borderless Card / Airwallex Go Global Business Traveller Card in minutes and earn an unlimited 1% cash rebate on all overseas and local spending.
- Get 5,000 Asia miles upon successful account opening
- Earn an extra 5,000 Asia miles when you pay for company expenses or spend for the first time with the corporate card within the first 30 days
Valid until 30 Sep 2025 - See more details below
Apply Now
HSBC One
N/A

HSBC One

Minimum Initial Deposit
HK$0
Free cancer coverage
HK$100,000
N/A
Read More
Hang Seng Preferred Banking

Base Interest Rate

Up to 0.8750%

Hang Seng Preferred Banking

Welcome Offer
Total reward of over $5,000
HKD savings rate
Up to 6%
Base Interest Rate
Up to 0.8750%
Read More
WeLab Bank Core Account

Minimum Initial Deposit

HK$0

WeLab Bank Core Account

Min. Rate
0.8% p.a.
Max. Rate
4.7% p.a.
Minimum Initial Deposit
HK$0
Read More
HSBC Premier

Payroll Acount Offer

Up to HK$1,200

HSBC Premier

Minimum Initial Deposit
HK$1,000,000
New Funds Offer
Up to HK$17,500
Payroll Acount Offer
Up to HK$1,200
Read More
Standard Chartered Easy Banking

Min. Initial Deposit

HK$10,000

Standard Chartered Easy Banking

Min. Rate
0.001% p.a.
Max. Rate
1% p.a.
Min. Initial Deposit
HK$10,000
Read More
Standard Chartered Premium Banking

Min. Inital Deposit

HK$200,000

Standard Chartered Premium Banking

Min. Rate
0.001% p.a.
Max. Rate
1% p.a.
Min. Inital Deposit
HK$200,000
Read More
Standard Chartered Priority Banking

Min. Inital Deposit

HK$1,000,000

Standard Chartered Priority Banking

Min. Rate
0.001% p.a.
Max. Rate
1% p.a.
Min. Inital Deposit
HK$1,000,000
Read More
i-Free Banking

Min. Initial Deposit

HK$10,000

i-Free Banking

Min. Rate
0.001% p.a.
Max. Rate
Details please refer to Chiyu Bank's update
Min. Initial Deposit
HK$10,000
Read More
Wealth Management

Min. Initial Deposit

HK$1,000,000

Wealth Management

Min. Rate
0.002% p.a.
Max. Rate
Details please refer to Chiyu Bank's update
Min. Initial Deposit
HK$1,000,000
Read More
Enrich Banking

Min. Initial Deposit

HK$200,000

Enrich Banking

Min. Rate
0.001% p.a.
Max. Rate
Details please refer to Chiyu Bank's update
Min. Initial Deposit
HK$200,000
Read More

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best High Interest Savings Account in HK

High Interest Savings AccountHighest Interest Rate Minimum Initial Deposit
Citi Plus Account2.4% p.a.HK$0
WeLab Bank Core Account0.1% p.a.HK$0
ZA Bank Savings Account0.31% p.a.HK$0
Citigold Account3.5% p.a.HK$1,500,000

Types of Bank Account

Banks in Hong Kong offer a number of bank accounts such as savings account, current account, time deposits accounts for your varying banking needs.

Savings Account

Savings account provides interest - and lets you withdraw your funds at any time with no penalty.

Current Account

Current account does not provide account holders with interest, but lets you make payment with cheques.

Fixed / Time Deposit Account

A fixed or time deposit account gives you a higher rate of interest on the funds you agree to keep at the account for a fixed period of time.

Account opening - Documents & Requirements

If you're a non-resident, you are required to provide a passport and proof of address in your home country. You may also be required to provide additional documents, such as letters of employment.

How to open a bank account online?

Even if you are not a permanent resident in Hong Kong, you can still open a bank account in Hong Kong. If you are an EU, US or Australian passport holder, the entire process should not be complicated. It can take up to 2 weeks to complete the entire account opening process. However, you won’t be able to open a bank account remotely because you need to prove your identity as a result of increased amounts of money laundering and other illegal activities. You are required to make an appointment and attend a branch in person to open your account.

Learn more about savings account:

FAQ

Can foreigners open bank accounts in HK?

Yes. Foreigners can open bank accounts in HK.

What is the average interest rate of savings accounts in HK?

The average interest rate of savings accounts in HK is 0.001% only. However, you can apply for a high interest savings account such as Citibank Plus Savings Account to earn as high as 4.8% interest.