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Best Deals Banking Account

Get extra privileges from bank by opening a bank account. We compare best deals bank accounts from all Hong Kong major banks and virtual banks and find out the best offers with highest deposit interest rates and cash rebate.
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Exclusive Offer
CNCBI inMotion

CNCBI inMotion

Min. Opening Balance
HK$ 0
Savings Account Rate
7.28  %
info
Welcome Offers
HK$ 4,080
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4 Offers Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780, random colour) (redeem with HK$1,500)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780, random colour) (redeem with HK$1,500)

Valid until

30 July 2024

MoneyHero Exclusive Offer
LEGEND WALKER 31
LEGEND WALKER 31" Luggage (valued at HK$5,600, random color)

+ 5 other gift options

Valid until

30 July 2024

Welcome Offer
Up to HK$800 Cash Reward
Up to HK$800 Cash Reward

+ 1 other gift options

Valid until

31 July 2024

Welcome Offer
“Lifetime Stock Purchases Fee Waiver!”
“Lifetime Stock Purchases Fee Waiver!”

Valid until

30 September 2024

Exclusive Offer
Mox Account

Mox Account

Min. Opening Balance
HK$ 0
Saving Account Rate
Up to 3  %
Welcome Offers
Not Available

Offer Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) (redeemed using Mox Credit with HK$4,000)
Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) (redeemed using Mox Credit with HK$4,000)

+ 4 other gift options

Valid until

31 July 2024

Hang Seng Preferred Banking Account

Hang Seng Preferred Banking Account

Min. Opening Balance
No minimum deposit requirement
HKD Savings Rate
Not Available
Welcome Offers
Up to $ 1,600

Offer Available

Welcome Offer
Up to $1,400 rewards
Up to $1,400 rewards

Valid until

December 2024

Citigold Account

Citigold Account

Min. Opening Balance
HK$ 1,500,000
HKD Time Deposit Rate
Up to 4.4  %
Welcome Offers
HK$ 42,100
Ant Bank

Ant Bank

Min. Opening Balance
HK$ 0
Saving Account Rate
3.8  %
info
Welcome Offers
HK$ 7,288
Dah Sing YOU Banking

Dah Sing YOU Banking

Min. Opening Balance
HK$ 0
Savings Account Rate
Not Available
Welcome Offers
Up to HK$ 25,400

Offer Available

YOU Banking Rewards – Up to HK$25,400 Cash Reward
HK$25,400 Cash Reward
Up to HK$25,400 Cash Reward

Valid until

December 2024

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Need some help?

How to find the right financial products for you?

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MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cardspersonal loansmortgagesmedical insurancetravel insuranceHK stock accountsUS stock accountsbanking accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

Which types of bank accounts are provided in Hong Kong?

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Banks in Hong Kong offer a wide range of bank accounts which are generally categorized as savings, current, time deposits, non-HKD, integrated and investment accounts. Payroll Account is usually recognized as an integrated account. You can start to compare banking accounts from major banks from Hong Kong now.

What are the fees & charges for bank accounts?

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Since many banks in Hong Kong have launched digital services, customers have to pay additional fees for the service involving paperwork. Besides, most banks have set minimum deposit requirements for saving accounts. 

If I am a Hong Kong resident, what documents do I need to apply for a bank account?

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Hong Kong residents only need to provide identification documents like ID card or passport, and the latest residential address proof such as gas or telephone bills.

If I am a non-Hong Kong resident, what documents do I need to apply for a bank account?

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Non-Hong Kong residents need to provide passport and home country residential address proof. Some banks also require proof of employment. For example, foreign domestic helper needs to prepare his or her employment contract showing an employer's residential address.

Are the welcome offers only available to new customers?

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Most welcome benefits are only available to new customers, but some banks may also offer bonus interest rates constantly to existing customers.

Note that the definition of "new customer" differs from banks - it may refer to new-to-bank clients (have not maintained any account from the bank in the past 12 months).

How much deposit can be protected by the Deposit Protection Scheme (DPS) ?

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Under DPS, you can be compensated up to a maximum of HK$500,000.