Maintenance fees only, under a fixed identity, open date, age, balance period and currency (HKD). Formula and excluded fees are disclosed; where the amount is unlisted we say so instead of guessing.
| Scenario | HSBC One | i-Free Banking | ZA Savings Account |
|---|---|---|---|
| Scenario A non-HKID · opened on/after 2026 · 3-month avg TRB below HKD 10,000 | 港币 100/mo (if non-HKID + opened ≥ 2026-01-01 + TRB < 10000) | maintain ≥ HKD 10000 or a monthly fee applies (amount unlisted) | No monthly fee |
| Scenario B non-HKID · opened on/after 2026 · 3-month avg TRB ≥ HKD 10,000 | No monthly fee | maintain ≥ HKD 10000 or a monthly fee applies (amount unlisted) | No monthly fee |
| Scenario C HKID holder (adult, non-student) | No monthly fee | maintain ≥ HKD 10000 or a monthly fee applies (amount unlisted) | No monthly fee |
Formula: monthly maintenance fee = the applicable fee branch given the scenario (identity, open date, age, balance period). Excluded: one-off opening fees, transfers/remittances, FX, third-party, card/ATM fees.
!Research assumption (disclosed): all three scenarios assume an adult, non-student applicant. The age shown (30) only matters if it falls below an account's minimum opening age, which does not affect the maintenance-fee branch itself.
!Bank of China (HK) does not list its monthly fee amount in the official overview, and DBS is in SGD — so this page intentionally does not produce a cross-currency total-cost winner.
Each branch below is a reviewed rule with its condition, amount and source.
Only the account maintenance fee / low-balance service charge (the "monthly fee" column). It excludes one-off opening fees, transfers/remittances, FX, third-party and card/ATM fees.
Because Bank of China (HK) does not list its monthly fee amount in the official overview, and DBS is denominated in SGD — mixing currencies or guessing an amount would be a pseudo-precise result we refuse to output.
Three: non-HKID opened after 2026 with low TRB; same with high TRB; and HKID holder. All assume an adult, non-student applicant.