Premier Banking Type
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Premier Banking Accounts

Premier Banking Account is for valued customers and packed with different benefits. To achieve your special financial goals and premium account services, now come to compare and check out all major premier banking account details here.
Fastest way in town to earn miles
Mox Account

Mox Account

Min. Opening Balance
HK$ 0
Saving Account Rate
Up to 6  %
Welcome Offers
HK$ 2,799

3 Offers Available

MoneyHero Limited-Time Welcome Offer (with the promo code "MOXISFIVEMH")
HK$1,500 Apple Store Gift Card (provided by MoneyHero)
HK$1,500 Apple Store Gift Card (provided by MoneyHero)

+ 6 other gift options

Valid until

19 October 2025

Five years of Mox – Welcome Offer(with the promo code "MOXISFIVEMH")
The first 60 days from your Mox Credit Card approval: 2% Unlimited CashBack – No HK$250,000 Mox Account balance required!
The first 60 days from your Mox Credit Card approval: 2% Unlimited CashBack – No HK$250,000 Mox Account balance required!

Valid until

19 October 2025

Exclusive Trip.com hotel and flight offers
Up to 6% exclusive hotel and flight discounts on Trip.com
Up to 6% exclusive hotel and flight discounts on Trip.com

Valid until

31 December 2025

DBS Treasures

DBS Treasures

Min. Opening Balance
HK$ 1,000,000
Welcome Offers
up to HK$ 60,800
Total Savings Interest Rate
up to 6  %*

4 Offers Available

MoneyHero Exclusive Offer - Online Application Offer (by entering the promo code “DBSMH” via DBS digibank HK app)
HK$1,400 Apple Store Gift Card
HK$1,400 Apple Store Gift Card

+ 2 other gift options

Valid until

31 October 2025

MoneyHero Exclusive Offer - E-appointment Offer (by providing the promo code “DBSMH”)
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 2 other gift options

Valid until

31 October 2025

DBS Treasures - Exclusive Reward for MoneyHero Customers
HK$1,500 Cash Reward
HK$1,500 Cash Reward

Valid until

31 December 2025

Welcome Rewards
up to HK$53,800 Cash Rewards
up to HK$53,800 Cash Rewards

Valid until

31 October 2025

Remember to enter the discount code "HS005"
Hang Seng Preferred Banking Account

Hang Seng Preferred Banking Account

Min. Opening Balance
No minimum deposit requirement
HKD Savings Rate
Up to 5  % p.a. preferential savings rate
Welcome Offers
Up to $ 2,900  rewards

6 Offers Available

MoneyHero Exclusive Offer (Enter the promocode "HS005")
Reward 1: HK$200 HKTVmall e-gift voucher
Reward 1: HK$200 HKTVmall e-gift voucher

Valid until

31 December 2025

Open Preferred Banking account via Hang Seng Mobile App
Reward 2: HK$200 Cash Rebate
Reward 2: HK$200 Cash Rebate

Valid until

31 December 2025

Up to 5% p.a. preferential savings rate
Reward 3: Enjoy up to 5% p.a. preferential savings on HKD and selected foreign currency
Reward 3: Enjoy up to 5% p.a. preferential savings on HKD and selected foreign currency

Valid until

31 December 2025

Total Relationship Balance Growth Reward
Reward 4: Up to HK$1,700 Cash Rebate
Reward 4: Up to HK$1,700 Cash Rebate

Valid until

31 December 2025

Up to $800+FUN Dollars
Reward 5:Up to $800 +FUN Dollars
Reward 5:Up to $800 +FUN Dollars

Valid until

31 December 2025

Enjoy 50% FX spread discount by exchanging Japanese Yen on Wednesdays, plus enjoy a 1-week Japanese Yen time deposit with 8% p.a
Reward 6: Enjoy 50% FX spread discount by exchanging Japanese Yen online and enjoy a 1-week Japanese Yen time deposit with 8% p.a.
Reward 6: Enjoy 50% FX spread discount by exchanging Japanese Yen online and enjoy a 1-week Japanese Yen time deposit with 8% p.a.

Valid until

31 December 2025

 Airwallex Business Account

Airwallex Business Account

Free application for companies
HK$ 0
Saving Account Rate
-
Welcome Offers
HK$ 400

Offer Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 October 2025

Standard Chartered Priority Banking (Standard Chartered Cathay Mastercard - Priority Banking)

Standard Chartered Priority Banking (Standard Chartered Cathay Mastercard - Priority Banking)

Min. Opening Balance
HK$ 1,000,000
Welcome Offers
HK$ 32,000

2 Offers Available

MoneyHero Exclusive Welcome Offer
HK$2,000 Wellcome Shopping Voucher
HK$2,000 Wellcome Shopping Voucher HK$2,000 Wellcome Shopping Voucher

+ 6 other gift options

Valid until

14 November 2025

Welcome Offer - Up to 100,000 Miles
Up to 100,000 Miles
Up to 100,000 Miles

Valid until

31 December 2025

Citigold Account

Citigold Account

Min. Opening Balance
HK$ 1,500,000
USD 3 Month Time Deposit Rate
Up to 3.9  %
Welcome Offers
Up to HK$ 82,000

3 Offers Available

🌟Time Limited - Citigold October Welcome Offer🌟🔥Best-in-town🔥
💎Successfully apply for Citigold and fund-in the designated new funds within 30 calendar days upon account opening to enjoy up to HK$11,000 cash rebate
💎Successfully apply for Citigold and fund-in the designated new funds within 30 calendar days upon account opening to enjoy up to HK$11,000 cash rebate

Valid until

31 October 2025

🌟Time Limited - Citigold October Welcome Offer🌟🔥Best-in-town🔥 
💰Citi Credit Card customers who successfully apply for Citigold and fund-in will enjoy extra 1% Time-deposit top up rebate!
💰Citi Credit Card customers who successfully apply for Citigold and fund-in will enjoy extra 1% Time-deposit top up rebate!

Valid until

31 October 2025

Enjoy up to HK$5,000 cash rebate each time for each successful Citigold account referral
Enjoy up to HK$5,000 cash rebate each time for each successful Citigold account referral
Enjoy up to HK$5,000 cash rebate each time for each successful Citigold account referral

Valid until

31 October 2025

PAObank Mobile Account Opening & HKD Time Deposit

PAObank Mobile Account Opening & HKD Time Deposit

Promo Code
PAOBMH
HKD 1 month time deposit rate
Up to 18  % p.a.

2 Offers Available

MoneyHero Welcome Offer
Deposit with first HK$50,000 can enjoy a one-month 18% p.a. interest rate* (must enter promo code “ PAOBMH ” during account opening)
Deposit with first HK$50,000 can enjoy a one-month 18% p.a. interest rate* (must enter promo code “ PAOBMH ” during account opening)

Valid until

31 October 2025

MoneyHero Welcome Offer
Free coverage for up to 7 days of worldwide travel (must enter promo code “ PAOBMH ” during account opening)
Free coverage for up to 7 days of worldwide travel (must enter promo code “ PAOBMH ” during account opening)

Valid until

31 October 2025

PAObank Mobile Account Opening & HKD Time Deposit

PAObank Mobile Account Opening & HKD Time Deposit

Promo Code
PAOBMH
HKD 1 month time deposit rate
Up to 18  % p.a.

2 Offers Available

MoneyHero Welcome Offer
Deposit with first HK$50,000 can enjoy a one-month 18% p.a. interest rate* (must enter promo code “ PAOBMH ” during account opening)
Deposit with first HK$50,000 can enjoy a one-month 18% p.a. interest rate* (must enter promo code “ PAOBMH ” during account opening)

Valid until

31 October 2025

MoneyHero Welcome Offer
Free coverage for up to 7 days of worldwide travel (must enter promo code “ PAOBMH ” during account opening)
Free coverage for up to 7 days of worldwide travel (must enter promo code “ PAOBMH ” during account opening)

Valid until

31 October 2025

Financial insights at your fingertips

Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!

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.