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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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Mox Account

Mox Account

Min. Opening Balance
HK$ 0
Saving Account Rate
5.5  %
info
Welcome Offers
HK$ 4,280

4 Offers Available

MoneyHero Limited-Time Exclusive Offer
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780, random colour) (redeem using Mox Credit for HK$1,300))
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780, random colour) (redeem using Mox Credit for HK$1,300))

+ 6 other gift options

Valid until

31 May 2024

Deposits Flash Offer
HK$500 Cash Reward
HK$500 Cash Reward

Valid until

31 May 2024

Mox Bank Welcome Offer - up to HK$1,200 Cash Rewards with Mox
HK$1,200 Cash Reward
HK$1,200 Cash Reward

Valid until

31 May 2024

Mox Bank X Trip.com Promotion
Up to 9% Hotel Discount + Up to HK$100 Flight Discount
Up to 9% Hotel Discount + Up to HK$100 Flight Discount

Valid until

31 December 2024

CNCBI inMotion

CNCBI inMotion

Min. Opening Balance
HK$ 0
Savings Account Rate
7.28  %
info
Welcome Offers
HK$ 2,180
info

4 Offers Available

MoneyHero Exclusive Offer
POLARIOD NOW+ I-TYPE Instax (valued at HK$1,599)
POLARIOD NOW+ I-TYPE Instax (valued at HK$1,599)

+ 4 other gift options

Valid until

31 May 2024

Welcome Offer
HK$400 Cash Reward
Up to HK$400 Cash Reward

+ 1 other gift options

Valid until

30 June 2024

Spring Thankful Draw
Spring Thankful Draw
Spring Thankful Draw

Valid until

30 June 2024

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

Valid until

30 June 2024

CNCBI CITICfirst Service

CNCBI CITICfirst Service

Min. Opening Balance
HK$ 1,000,000
Savings Account Rate
7.28  %
info
Welcome Offers
HK$ 146,648
info

3 Offers Available

MoneyHero Exclusive Offer
Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348)
Vinvautz VZ18BHK 18 Bottles Single Zone Wine Cellar (valued at HK$3,348)

+ 4 other gift options

Valid until

31 May 2024

Welcome Offer
Up to HK$146,648 cash rewards
Up to HK$146,648 cash rewards

Valid until

31 May 2024

Spring Thankful Draw
Spring Thankful Draw
Spring Thankful Draw

Valid until

30 June 2024

Hang Seng Preferred Banking Account

Hang Seng Preferred Banking Account

Min. Opening Balance
No minimum deposit requirement
HKD Savings Rate
Up to 6  %
info
Welcome Offers
Over $ 5,000

5 Offers Available

MoneyHero Exclusive Offer
HK$200 Apple Store Gift Card
HK$200 Apple Store Gift Card

+ 1 other gift options

Valid until

30 June 2024

Welcome Offer
Over $5,000 Welcome Offers
Over $5,000 Welcome Offers

Valid until

30 June 2024

PayDay⁺ offer
Up to 6% p.a. HKD Savings Rate
Up to 6% p.a. HKD Savings Rate

Valid until

30 June 2024

Travel⁺ offer
Bank's Cost Price^ for exchanging JPY or EUR
Bank's Cost Price^ for exchanging JPY or EUR

Valid until

31 May 2024

Existing Customer Offer
HK$50 Dining e-Voucher
HK$50 Dining e-Voucher

Valid until

30 June 2024

Citigold Account

Citigold Account

Min. Opening Balance
HK$ 1,500,000
HKD Time Deposit Rate
Up to 4.2  %
Welcome Offers
HK$ 42,100

2 Offers Available

Welcome Offer
Up to HK$42,100 Cash Rebate
Up to HK$42,100 Cash Rebate

Valid until

31 May 2024

Special time deposit rate for new to bank customer
Up to 4.2% HKD time deposit rate
Up to 4.2% HKD time deposit rate

Valid until

31 May 2024

Ant Bank

Ant Bank

Min. Opening Balance
HK$ 0
Saving Account Rate
3.8  %
info
Welcome Offers
HK$ 7,808

6 Offers Available

Universal Money Giveaway
AntBank Universal Money Giveaway Lucky Draw
AntBank Universal Money Giveaway Lucky Draw

Valid until

31 May 2024

Universal Money Giveaway
AntBank Universal Money Giveaway
AntBank Universal Money Giveaway

Valid until

31 May 2024

Latest Offers for Rates
HK$40 Cash Rebate
HK$40 Cash Rebate

Valid until

31 May 2024

Fixed Benefits
Ant Bank PayLater Monthly Fixed Benefits
Ant Bank PayLater Monthly Fixed Benefits

Valid until

31 May 2024

Ant Bank eM+ Upgrade Offer
Up to 3.8% Deposit Annual Interest Rate
Up to 3.8% Deposit Annual Interest Rate

Valid until

31 May 2024

Welcome Offer
HK$100 coupons (HK$50 x 2)
HK$100 coupons (HK$50 x 2)

Valid until

31 May 2024

Dah Sing YOU Banking

Dah Sing YOU Banking

Min. Opening Balance
HK$ 0
Savings Account Rate
Not Available
Welcome Offers
HK$ 25,300

3 Offers Available

MoneyHero Exclusive Reward (up to HK$400 vouchers)
HK$350 Apple Store Gift Card
HK$350 Apple Store Gift Card

+ 1 other gift options

Valid until

30 June 2024

MoneyHero Exclusive Reward (up to HK$400 vouchers)
HK$50 Wellcome Shopping Voucher
HK$50 Wellcome Shopping Voucher

+ 1 other gift options

Valid until

30 June 2024

YOU Banking Rewards – Up to HK$25,300 Cash Reward
HK$25,300 Cash Reward
Up to HK$25,300 Cash Reward

Valid until

30 June 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.