Compare Bank Accounts in Hong Kong 2026
Search for the best bank accounts to align with your personal saving goals and earn fixed deposit interests.
Refine Your Results
We found 12 Savings Accounts for you!
.jpg)
.jpg)
From now until 30 Jun 2026, new customers* who open a Preferred Banking account via the Hang Seng Mobile App using the exclusive MoneySmart promo code “HS011” and complete the simple tasks below can enjoy HK$400 rewards! Welcome rewards are up to $9,300!
✅️ Open a Preferred Banking account via the Hang Seng Mobile App and enter the exclusive promo code “HS011 : HK$200 Apple Gift Card (Rewards will be distributed directly by Hang Seng Bank)
✅️ Initial fund-in HK$1,000 via FPS or Payment Connect in 7 calendar days after account opening date and maintain for 10 consecutive days: HK$200 Cash Reward
(Reward distributed directly by Hang Seng Bank)
Valid till 30 Jun 2026
⚡️【June Flash Deal | Earn additional HK$2,000 Apple Store Gift Card!】⚡️
From now until 30 June 2026, create corporate cards - Airwallex Borderless Card / Airwallex Go Global Business Traveller Card via MoneySmart for your business after successful account opening, and use it to pay for any company expense or spend for the first time within the first 30 days, you can earn an ⚡️ additional HK$2,000 Apple Store Gift Card!
Airwallex can receive funds in 20+ currencies from over 70 countries and regions via Global Accounts, and send payouts to bank accounts in 200+ countries/regions. Earn unlimited 1% cash rebate on your overseas and local spending!
Valid till 30 Jun 2026
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 Account | Highest Interest Rate | Minimum Initial Deposit |
|---|---|---|
| High Interest Savings AccountCiti Plus Account | Highest Interest Rate 2.4% p.a. | Minimum Initial DepositHK$0 |
| High Interest Savings AccountWeLab Bank Core Account | Highest Interest Rate 0.1% p.a. | Minimum Initial DepositHK$0 |
| High Interest Savings AccountZA Bank Savings Account | Highest Interest Rate 0.31% p.a. | Minimum Initial DepositHK$0 |
| High Interest Savings AccountCitigold Account | Highest Interest Rate 3.5% p.a. | Minimum Initial DepositHK$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
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
How to open a bank account online?
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.