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!
%20Cards%20-%20Homepage%20-%20Mobile%20copy%202.png)
 Cards - Homepage - Mobile copy 2.png)
%20Cards%20-%20Homepage%20-%20Mobile%20copy%202.png)
【Aspire Exclusive Offer: Enjoy Rewards Worth Up to HK$2,000 via MoneySmart】
From now until 30 November 2026, new customers who successfully open an Aspire Global Business Account or apply for an Aspire Corporate Visa Card via MoneySmart, make a qualifying minimum deposit of HK$6,000 within 30 days of the account opening date, and maintain this balance for 2 months can enjoy rewards worth up to HK$2,000. Customers can choose ONE of the following MoneySmart rewards:
・ HK$500 Apple Store Gift Card (Fulfilled by MoneySmart) + HK$1,500 cash rewards (Fulfilled by Aspire) or
・ HK$500 Cash (automatically converted from 5,000 SmartPoints and directly deposited into FPS account) (Fulfilled by MoneySmart) + HK$1,500 cash rewards (Fulfilled by Aspire)
⠀⠀
Terms and conditions apply.
Valid till 30 Nov 2026
【Nov Exclusive: Supermarket Voucher on Opening + HK$2,300 Cash on Retention】
During the promotion period from Nov 1-30, 2026, new customers can open both a “Core Account” and an “Wealth Account” simultaneously using MoneySmart’s exclusive promo code 【WNTBMS】
⭐️ MoneySmart’s Exclusive Reward for You: HK$50 ParkNShop E-Vouchers
Within 7 days of successful account opening, deposit funds meeting the requirements below and maintain the amount for 21 days to receive additional rewards:
1️⃣【HK$100,000 - HK$199,999】
HK$500 Cash* / Apple Store gift card / HK$700 ParkNShop E-Vouchers / HKTVmall E-voucher
2️⃣【HK$200,000 - HK$299,999】
HK$700 Cash* / HK$900 ParkNShop E-Vouchers / HKTVmall E-voucher / Bowers & Wilkins Pi6 earbuds (Value: HK$1,980)
3️⃣【HK$300,000 - HK$399,999】
HK$1,200 Cash* / Apple Store gift card / HK$1,300 ParkNShop E-Vouchers / Philips RO water dispenser ADD6901/90(Value: HK$1,998)
4️⃣【HK$400,000 - HK$499,999】
HK$1,700 Cash* / Apple Store gift card / HK$1,900 ParkNShop E-Vouchers / HKTVmall E-voucher / Garmin Forerunner 165 Smart Watch (Value: HK$2,299)
5️⃣【HK$500,000 - HK$599,999】
HK$2,000 Cash* / Apple Store gift card / HK$2,200 ParkNShop E-Vouchers / HKTVmall E-voucher / Dyson Supersonic™ Travel hair dryer (Value: HK$2,490)
6️⃣【HK$600,000 or above】
HK$2,300 Cash* / Apple Store gift card / HK$2,500 ParkNShop E-Vouchers / HKTVmall E-voucher / Philips 3000 Series wireless vacuum(XC3031/61) (Value: HK$3,498 )
‼️ In addition to deposits, subscribing to funds of the above amounts in your WeLab Wealth Account and maintaining for 21 days also qualifies you to select the same rewards.
‼️ Cash rewards will be converted via SmartPoints and transferred to eligible applicants’ bank accounts through Faster Payment System (FPS).
‼️ This promotion is subject to Terms and Conditions.
Valid till 30 Nov 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, insurance company, 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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.