No monthly fee · 2026-10-11

Zero-Minimum, No-Fee Bank Accounts

No monthly fee, no minimum balance trap. A list of zero-minimum, no-fee banks — Hong Kong virtual banks and Western online banks lead.

HK virtual banks: zero-minimum leaders

ZA Bank ZA Bank, Mox Mox Bank and Airstar Airstar Bank among Hong Kong's 8 virtual banks are generally zero-minimum and fee-free — the top choice.

Western online banks

UK Monzo Monzo and Starling Starling Bank, US Chime Chime and Europe's N26 N26 all offer no monthly fee and no minimum balance.

Singapore digital banks

Singapore's GXS GXS Bank, Trust Bank Trust Bank and MariBank MariBank are known for zero minimum and no monthly fee.

FAQ

Which banks have no minimum and no monthly fee?

Hong Kong virtual banks (ZA, Mox, Airstar), UK Monzo/Starling, US Chime, Singapore GXS/Trust/MariBank — mostly zero-minimum and fee-free.

Do fee-free accounts have hidden charges?

Basic accounts are usually fee-free, but cross-border transfers, FX conversion and excess ATM withdrawals may cost — check the fee schedule.

Are zero-minimum accounts good to keep long-term?

Yes, for everyday spending and receiving. For large cross-border transfers or loans you still need a traditional bank.

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