Ant Bank (Hong Kong)蚂蚁银行(香港)

Hong Kong, China 虚拟银行 Fully online Residents only ★ 4.1
Standing benefit

Ant Bank (Hong Kong) benefits: No minimum deposit · No management fee; Balance+ earns interest automatically

No minimum deposit to open and no minimum balance. No management fee and the savings balance earns interest automatically. Standing benefits — no campaign end date.

Minimum depositNo minimum deposit requirement
Monthly feeZero maintenance fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline ~1-3 min (must be in Hong Kong)
Institution typeVirtual Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • Zero admin fee, no min deposit; 'Balance+' earns interest
  • Deep AlipayHK integration for transfers and spending
  • HKMA-licensed; deposits protected up to HKD 800k

Things to note

  • No branches or ATM card; cash-out requires transfer out
  • Non-HK residents cannot open remotely; must be in HK
  • High rates often have conditions and change with the market

Documents required

  • HK ID (resident) / Mainland ID (visitor in HK)
  • HK or mainland phone number (for OTP)
  • HK address (resident)
  • Face verification; visitors also need entry-record documents

Fully online in ~1–3 minutes; for HK residents or visitors physically in HK.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

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