RelatedHong Kong, ChinaZero Min DepositOnline OnlyFast Approval

Livi Bank理慧银行

Hong Kong, China 虚拟银行 Fully online Residents only ★ 3.9
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Standing benefit

Livi Bank benefits: No opening fee, no minimum deposit · No management fee, no minimum balance

liviSave has no minimum deposit requirement. No management fee and no low-balance penalty. Standing benefits — no campaign end date.

No Minimum Deposit No Monthly Fee Fast Approval Digital Banks
Open an account ↗ Benefits in detail →
Minimum depositNo minimum deposit (liviSave)
Monthly feeNo opening fee, no management fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline ~5 min (must be in Hong Kong; approval ~1-2 business days)
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 min balance, no opening fee, ~5-min online onboarding
  • BOC HK + JD + Jardine backing, yuu rewards ecosystem
  • ~1% p.a. on first HKD 50k; deposits from HKD 500

Things to note

  • PayLater and Debit Mastercard discontinued; fewer rewards
  • No branches; cash-out needs transfer to another bank
  • HK residents or in-HK visitors only; no remote application

Documents required

  • HK ID (resident) / Mainland ID + Exit-Entry Permit (visitor)
  • HK or mainland phone and address
  • Enable GPS and face verification
  • Visitors may need entry records if applicable

Online in ~5 minutes; for HK residents or in-HK visitors, approval ~1–2 business days.

Opening offers & benefits

Standing benefits

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

No Monthly FeeNo Min DepositFully OnlineDigital BankFast Approval
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.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

Other accounts in this region

Bank of China (Hong Kong) ★ 4.4 HSBC Hong Kong ★ 4.3 ZA Bank ★ 4.3 Standard Chartered HK ★ 4.2 Hang Seng Bank ★ 4.2 Mox Bank ★ 4.2 Airstar Bank ★ 4.2

Guides mentioning this bank

How to Open a Hong Kong Bank Account (2026 Guide)→ Hong Kong's 8 Virtual Banks Compared: ZA, Mox, Airstar, WeLab→
Compare all banks Smart matcher Opening guide