Premier bank account
Updated: 16 Jun 2026
Which bank account opening offer is best? Payroll or savings accounts? MoneyHero compares Hong Kong bank account opening offers, including those from Mox, DBS Treasure, Citigold, Hang Seng, Airwallex, and Standard Chartered. Whether you're looking for a payroll or savings account, you can earn generous cash rebates!
Why Trust MoneyHero
Product | Credit Card | Saving Account Rate | Welcome Offers | |
|---|---|---|---|---|
 | Mox Account | Up to3.5 % | Spend HK$2,000, get HK$1,000 reward + Deposit HK$50K and maintain 30 days get extra HK$500 reward | |
 | Airwallex Business Account | - | HK$2,000 Apple Store Gift Card | |
 | Citigold Account | Up to 4.3 % | Up to HK$98,500 | |
 | Standard Chartered Priority Banking (Standard Chartered Cathay Mastercard - Priority Banking) | 1 % | HK$32,000 | |
 | Hang Seng Preferred Banking Account | 10% p.a. HKD New Fund Time Deposit Lucky Draw
| Up to HK$ 9,300 rewards | |
 | DBS Treasures | - | - |
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Mox Account
Promo Code:
Use invitation code “MOXFLASHMH” (for gift) or “MOXFLASHMH2” (for cash) to apply for a Mox account & Mox Credit Card
Saving Account Rate
Up to 3.5 %Welocme Offers
Spend HK$2,000, get HK$1,000 reward + Deposit HK$50K and maintain 30 days get extra HK$500 rewardApply through MoneyHero and choose from 5 premium rewards (Actual Gift eligibility depends on the deposit amount provided in the terms and conditions)
You'll also receive the following welcome gift(s) directly from the provider
Fees
Foreign Currency Transaction Fee: Select Asia Miles as spend reward：0%；Select CashBack as spend reward: 1.95%
Eligibility
Min. Opening Balance: HK$0
Key Features
- "Fastest-in-Town" welcome gift redemption guarantee: Activate your card 24/7, use it immediately. Once fulfilled the spending requirements, you'll automatically receive a gift redemption email, with delivery as fast as the same day (free shipping).
- 3% CashBack on supermarkets: Earn 3% unlimited CashBack at major supermarkets across Hong Kong with Mox Credit (including: Don Don Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON, and more)
- 2% Unlimited CashBack on everything (Mox+ members) or 1% Unlimited CashBack on everything. "Your go-to for big purchases / must-have daily card!
- HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
- The Club: HKD100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
- Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
- Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
- Emirates: Instant discount of up to HK$300 on selected flights.
- Zero annual fee, forever — essential for students and savvy spenders.
- Brand new launch Mox+ Unlock more possibilities
- Increase in eligible deposits for ‘Mission Bonus Rate’
- Mox Card Reward
- 40% discount on currency exchange fee for currency exchanges, when using Express Remit
- 20% spread discount on currency exchanges
- Waiver of overseas ATM cash withdrawal fee
- Metal Mox Card
- Mox Invest Pro tier upgrade
- Premium support from Customer Care Team
- Enjou E-voucher from Starbucks each month
- Cash rebate for spending at selected restaurants
- Win a race entry for Tokyo Marathon 2027 / Tokyo round ticket🏃🏻🇯🇵
- Register the promotion by 30 Sep, 2026
- Every single eligible spending transaction of HK$200 or above made with your Mox Card by Mastercard automatically earns you 1 lucky draw entry
- Accumulate a total eligible spend of HK$42,000 or more, and every HK$200+ transaction will instantly double your entries
- Log in Mox app to explore more ways to boost your odds
- 🎁Fantastic prizes up for grabs
Prize Quantity Reward 1st 50 One Tokyo Marathon 2027 Entry Bib 2nd 10 30,000 Asia Miles (enough to redeem for a Tokyo round-trip economy class ticket) 3rd 50 Tokyo Marathon 2027 offical merchandise 4th 10 Mox Insure's Travel Pick & Go HKD 600 credit
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Mox Credit Card = The Only Card You Need
- 3% CashBack on supermarkets: Earn 3% unlimited CashBack at major supermarkets across Hong Kong with Mox Credit (including: Don Don Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON, and more).
- 2% Unlimited CashBack on everything (Mox+ members) or 1% Unlimited CashBack on everything. "Your go-to for big purchases / must-have daily card!"
- Want to earn Asia Miles instead? Switch spending reward mode to “Asia Miles”, and start earning Unlimited Asia Miles + 0% FX fees (for both overseas spending / online shopping)
- HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
- The Club: HKD100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
- Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
- Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
- Emirates: Instant discount of up to HK$300 on selected flights. - Zero annual fee, forever — essential for students and savvy spenders.
- Use Mox Credit to pay bills and enjoy up to 56 days interest-free period with 0 fee, covering government, banks or credit cards, insurance, education and other institutions.
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Powerful flexibility -- Mox Credit x FPS
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Customers can transfer money using FPS with Mox Credit credit line.
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Send money to friends, pay rent, settle bills or shop online from small business – then enjoy up to 56 days interest-free before you pay it back. Plus, with automatic spending categorisation, you’ll see exactly where your money goes, all in one clean view.
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Pay Bills with Mox Credit
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Use your Mox Credit to pay bills at over 900 merchants
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Covering government, banks or credit cards, insurance, education institutions
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Enjoy up to 56 days interest-free period and unlock extra cash flow
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- Mox Credit Split Purchase or Split Statement
- Repayment period ranging from 3 to 60 months
- See a transparent APR that updates in real time in the Mox app
- Split any eligible transaction(s) of HK$400+
- Earn HK$200 cash reward by making an 6mo+ eligible Split Purcase of HK$5,000 or above
- Mox Card = only card that does everything
- Physical card / virtual card avalible
- Numberless card design for next-level privacy and security
- Apple Pay & Google Pay supported
- Free cash withdrawals at JETCO ATMs
- Please refer to the Mox Card Rewards Table for eligibility criteria to unlock the designated CashBack Rate / Asia Miles Reward Ratio. For further details, refer to the Definitions Schedule, Rewards for Cards Schedule and General Fees and Charges.
- Mox Disclaimer applies.
Saving Account Rate
-Welcome Offrs
HK$2,000 Apple Store Gift Card Apply through MoneyHero and choose from 1 premium rewards (Actual Gift eligibility depends on the deposit amount provided in the terms and conditions)
Eligibility
Free application for companies: HK$0
Key Features
Key Features of Airwallex Business Account
- Account opening made easy
- Customers can complete the Airwallex account opening process online without physically leaving Hong Kong or filling out a large number of documents. Compared to traditional banks, opening local currency accounts in Europe, the United States, Australia, the United Kingdom, and other places in Airwallex is much easier, which saves you much time in opening local and foreign currency accounts making it so much more efficient.
- Low transaction costs and real-time settlement
- Airwallex offers fast global transfers at competitive, near-interbank FX rates; timing and rates may vary by currency, country, and banking hours. This allows merchants to enjoy attractive exchange rates with no account opening fee. The service supports more than 26 foreign currencies, including US dollars, Euros, Australian dollars, and Pounds. Clients can transfer funds to more than 150+ countries and regions, and can conduct foreign exchange transactions in one go.
- Improved efficiency
- Airwallex automatically synchronizes your multi-currency transactions to Xero, ensuring real-time updates of your company's accounts. In addition, Airwallex links your payment accounts to Amazon, eBay, Shopify, and PayPal, making management easier.
- Setting Up Employee’s Visa Cards Online
- Airwallex allows merchants to instantly issue Airwallex Visa cards for employees online, making it easy for employees to use Apple Pay to pay for the company's expenses. Merchants can also set restrictions on currency, spending limits, and accounts that can be used for payments. Through Airwallex's multi-currency Visa card, merchants can directly pay for expenses such as paying advertising costs in USD and SaaS online subscription service. In this way, merchants can save up to 90% fees on foreign exchange and overseas transactions. Earn up to 1% cash back on local and overseas transactions with the Airwallex Visa card.
HKD 3 Month Time Deposit Rate
Up to 4.3 %Welcome Offers
Up to HK$ 98,500Eligibility
Min. Opening Balance: HK$1,500,000
Key Features
Account opening reward up to HK$98,500
Limited-time New fund offer
- Eligible Credit Card Customers is required to open a Citigold account during the Promotion Period and fulfill designated requirements may enjoy up to HK$30,000 cash rebate.
- New customers who fund in the designated new funds amount specified below within 30 calendar days upon account opening can enjoy HK$2,000 cash rebate
| New Funds amount (HK$ or equivalent) | Cash Rebate (HK$) |
|---|---|
| HK$6,000,000 or above | HK$30,000 |
| HK$4,000,000 - HK$5,999,999 | HK$20,000 |
| HK$2,500,000 - HK$3,999,999 | HK$13,000 |
| HK$1,500,000 - HK$2,499,999 | HK$9,000 |
Investment and Insurance Balance Offer
- New Citigold customer is required to fulfill “Designated Investment Product(s) Balance” may enjoy up to HK$60,000 cash rebate
| New Investment and Insurance Balance Growth (HK$ or equivalent) | Cash Rebate (HK$) |
|---|---|
| HK$8,000,000 or above | HK$60,000 |
| HK$5,000,000- HK$7,999,999 | HK$32,500 |
| HK$3,000,000 - HK$4,999,999 | HK$18,000 |
| HK$1,000,000 - HK$2,999,999 | HK$6,000 |
| HK$500,000 - HK$999,999 | HK$3,000 |
Professional Investor sign-up offer
- To be eligible for the Professional Investor ("PI") sign-up offer, a new Citigold Private Client/Citigold customer is required to fulfill the following requirements:
i. Fulfill the requirements stated in respective banking account’s New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
ii. Sign up as a PI by completing the PI Declaration Form with the Bank by the date specified below and maintain the PI status till the fulfillment date:
iii. Maintain HK$8,000,000 or equivalent of daily combined balance as of the below stated date - A customer's PI status is subject to the Bank’s validation on the eligibility of the customer's portfolio.
Banking service Account Opening Date Completion of actions in the above issue Maintance the required daily combined balance as of Fulfilment Date Cash rebate (HK$) Citigold July 1, 2026 - July 31, 2026 On or before December 31, 2026 December 31, 2026 On or before February 31, 2027 HK$1,000
Engagement Offer
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To be entitled to the Engagement Offer, a new customer is required to open a Citigold Private Client or Citigold account during the Promotion Period and fulfill the following requirements:
- i. Fulfill the requirements stated in respective banking account's New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
- ii. Complete the below action items and maintain the status till the fulfillment period
- Login to Citi Mobile® App at least once; and
- Complete Investment Risk Profile Questionnaire; and
- Activate debit card
Mortgage Offer
- To be entitled to relevant offers, new customer must
i. Fulfill the requirements stated in respective banking account’s New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
ii. Successfully draw down a mortgage loan from the Bank during the date specified below and maintain the mortgage loan during the entire promotion and fulfillment period.Account Opening Date Completion of actions in the above clause Fulfilment Date Cash rebate (HK$) July 1, 2026 - July 31, 2026 On or before March 31, 2026 On or before May 31, 2027 HK$5,000
Limited Time Deposit Offer
- Enjoy Preferential HKD 3 Months Time Deposit rates of up to 4.3% p.a. ,USD 3 Months Time Deposit rates of up to 4.9% p.a. (until Aug 1, 2026)
- From July 1 to 31, 2026, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1% Time-deposit top up rebate*!
Exclusive Time Deposit Top-up Rebate for “Citi Credit Card Customers”
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From July 1 to 31, 2026, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1% Time-deposit top up rebate*!
- +Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of July 31, 2026 and the application of Citi credit card submitted on or before banking account opening date.
- *1% p.a. Exclusive Time Deposit Top-Up Rebate refers to 3-month time deposit in HKD, USD or RMB and set up within the Time Deposit Booking Date with new funds. Any time deposit shorter than 3 months is deemed ineligible. The aggregate principal amount of Eligible Time Deposit set up is capped at HK$1,500,000 equivalent for Citigold customers.
Customer Support
- 24-hour Citigold Hotline
- Citi Live Chat: supports text/audio/video chat
Terms and conditions apply. All info and offers are subjected to Citibank's official website.
Fees You Need to Know
- Service Fee: HK$300
- Paper Statement Fee: HK$300 (Average Daily Relationship Balance of HK$1,500,000: Waived)
- Account closed by customer within 6 months from the date of opening: HK$500
- ATM Card Annual Fee: Free
All offers are not applicable to the following customers:
- existing banking clients of Citibank (Hong Kong) Limited and / or Citibank, N. A. (Citibank, N.A., organized under the laws of U.S.A. with limited liability) (collectively, “the Bank”) ; OR
- clients who had a banking relationship with the Bank during the previous 12 months prior to the account opening month; OR
- clients who had a Citigold Private Client/Citigold banking relationship with the Bank during the previous 36 months prior to the account opening month.
Investment involves risk.
Foreign exchange involves exchange rate risk.
Terms and conditions apply. Please refer to Citi Hong Kong's website for details.
Standard Chartered Priority Banking (Standard Chartered Cathay Mastercard - Priority Banking)
Promo Code:
-
Saving Account Rate
1 %Welcome Offers
HK$ HK$
32,000Apply through MoneyHero and choose from 7 premium rewards (Actual Gift eligibility depends on the deposit amount provided in the terms and conditions)
You'll also receive the following welcome gift(s) directly from the provider
Eligibility
Min. Opening Balance: HK$1,000,000
Key Features
- New clients can earn up to HKD32,000 cash rebate by signing up for Priority Banking
- Backed by our CIO team’s house views, myWealth is here to help conduct portfolio health check and re-evaluate your asset allocation — tailoring your portfolio to your needs.
- Our CIO team hand-picks funds based on market insights catering to diverse client needs and adjusts asset allocations accordingly. New clients can enjoy 0% online subscription fee for investment fund trades.
- Join the first-in-market FX membership program to enjoy exclusive rates and up to HKD18,888 cash rewards!
- New Clients sign up for Priority Banking via SC Mobile App to enjoy extra HKD500 cash rebate.
- Fees:
- Monthly service fee: HK$900 per quarter (to be waived if the average daily relationship balance in the past 3 months is HK$1,000,000)
- ATM Card annual fee: Free
- Lost/stolen ATM Card replacement: Free for Priority Banking Customers
- Withdrawal fee at local JETCO network: Free
- Withdrawal fee at overseas JETCO network: HK$28 per transaction
- Withdrawal fee at UnionPay network: HK$15 per transaction
- Account closure within 3 months since account opening: HK$200
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Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
- Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
- HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver- New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
Time Deposit Offer
10% p.a. HKD New Fund Time Deposit Lucky Draw
Welcome Offers
Up to HK$ 9,300 rewardsYou'll also receive the following welcome gift(s) directly from the provider
Eligibility
Min. Opening Balance: No minimum deposit requirement
Key Features
- Important fee:
- Fees You Need to Know
- Service Fee: Waived
- Paper Statement Fee: HK$60 on each account/Year
- ATM Card Annual Fee: Free
Features:
- One-stop security settings on Hang Seng Mobile App
- New "Settings & Security" interface provides you with security support
- Adjust various transfer limits anytime
- Manage various credit card security options easily
- Enhanced mobile app security measures to safeguard your account
DBS Treasures
Promo Code:
PM05
Limited-Time Time Deposit Offer
-Welcome Offers
- Eligibility
Min. Opening Balance: HK$1,000,000
Key Features
- Trade across 8 global markets (including HK, US and Japan stocks) with 0% brokerage fees and the newly launched stock investing WhatsApp chatbot, DBS EASY, making it easier for you to keep up with the markets
- 0% subscription fee for the online investment fund trade
- Open an account with the DBS digbank HK app in just around 10 minutes, complete the entire process on your mobile phone.
- Apply DBS UnionPay Diamond Debit Card for free: exchange 14 popular currencies effortlessly and spend later with no transaction fees
- DBS digibank HK app comes with equity scores assessed by DBS analysts based on 7 key assessment metrics.
- For details, please visit: https://bit.ly/3YVk4J1
- Basic Savings Interest Rate is subject to revision in light of prevailing market conditions. The Bank has the right to adjust the annual interest rate of the basic savings deposit according to the prevailing market conditions. The annual interest rate of the basic savings deposit is not guaranteed. The Bank reserves the right to adjust the annual interest rate of the basic savings deposit from time to time and at any time for any reason without prior notice or giving any reason. For the latest Hong Kong dollar basic savings deposit annual interest rate details, please refer to https://www.dbs.com.hk/personal/ratesfees-tiered.page .