RelatedHong Kong, ChinaZero Min DepositOnline OnlyFast Approval

ZA Bank众安银行

Hong Kong, China 虚拟银行 Fully online Residents only ★ 4.3
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Limited-time offer

ZA Bank: Rewards worth up to HKD 2,000 + 20% p.a. (7 days)

Referral code U3DEE5

Open with code U3DEE5 and meet the conditions — until 2026-11-04. Amounts and terms follow the official activity page.

No Minimum Deposit No Monthly Fee Fully Online Multi-Currency Fast Approval
Open an account with code U3DEE5 ↗ Offer details & steps →
Minimum depositNo minimum deposit
Monthly feeZero maintenance fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline ~10 min (in HK)
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

  • Fully mobile, zero-fee account opening
  • Deposit rates often higher than traditional banks
  • Transfers, bills and investments in one app

Things to note

  • HK ID holders only
  • No physical branches
  • Non-residents cannot open remotely

Documents required

  • HK ID card (non-residents usually ineligible)
  • HK phone number
  • HK proof of address (some cases)
  • Face and selfie verification

Fully online, done in minutes; local proof of address required; residents only

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 Standard Chartered HK ★ 4.2 Hang Seng Bank ★ 4.2 Mox Bank ★ 4.2 Airstar Bank ★ 4.2 WeLab 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→ Open a Bank Account Fully Online — No Branch Visit→ Zero-Minimum, No-Fee Bank Accounts→
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