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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 15 Savings accounts for you!
Recommended
DBS Treasures

Base Interest Rate

0.001%

MoneySmart Exclusive

DBS Treasures

New Funds Offer
Up to 4.3% Total Savings Interest Rate*
Minimum Initial Deposit
HK$1,000,000
Base Interest Rate
0.001%

【End on 7.31 💎Flash Sale Alert: Unlock up to HK$37,208 Rewards】
From now until 31 July 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$37,208 rewards and a Total Savings Interest Rate* up to 6% p.a.!

Valid until 31 Jul 2025 - See more details below
Apply Now
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Mox Bank Account

Minimum Initial Deposit

HK$0

MoneySmart Exclusive

Mox Bank Account

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

July Limited Offer: Earn up to 16,000 miles in total!
🛩 New customers can use the invitation code "MOXMSMILES"and spend HKD5,000 within 60 days can receive 5,000 miles. If you spend HKD15,000, You can receive extra 10,000 miles, in total you can earn up to 15,000 miles! Additionally, if you spend a total of HKD15,000, MoneySmart is exclusively giving you 2,000 SmartPoints! You can redeem 🆕 1,000 Asia Miles or HKD200 vouchers from the Rewards Store (with flexible combinations from over 20 brands, including Apple, HKTVmall and more)! *Subject to "MOXMSMILES"Invitation Code Promotion Terms & Conditions.

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 Jul 2025 - See more details below
Airwallex Global Account

New Funds Offer

$0 fees and 0% margin in FX conversions

MoneySmart Exclusive
Save time opening accounts across the globe

Airwallex Global Account

Monthly Account Fee
0
Minimum Initial Deposit
N/A
New Funds Offer
$0 fees and 0% margin in FX conversions
【MoneySmart Exclusive -  July Offer up to 15,000 Miles!】
Pay anytime, anywhere! Create corporate cards - Airwallex Borderless Card for your business in minutes after successful account opening, earning 5,000 Asia miles.
💥 An extra ⚡️10,000 Asia miles when you use your corporate card to pay for company expenses or spend for the first time within the first 30 days!

Accept currencies in over 60 countries and payout to more than 200 countries. Earn unlimited 1% cash rebate on your overseas and local spending!
Valid until 31 Jul 2025 - See more details below
HSBC One

N/A

HSBC One

Minimum Initial Deposit
HK$0
Free cancer coverage
HK$100,000
N/A
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%
Citi Plus Account

Min. Initial Deposit

HK$0

Citi Plus Account

New Funds Rewards
Up to HK$2,000
Max. Rate
2.67% p.a.
Min. Initial Deposit
HK$0
Citigold Account

Highest Cash Rebate

HK$41,800

Citigold Account

HKD Time Deposit Rate
up to 4.2%
Foreign Currency Time Deposit Interest Rate
up to 6%
Highest Cash Rebate
HK$41,800
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
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
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
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
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
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
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
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

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.