This page compares 14 accounts available in Hong Kong, China, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 8 can be opened fully online, 6 explicitly accept non-residents, 10 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Bank of China (Hong Kong) | Hong Kong, China | Traditional Bank | 部分网点要求首存 1,000 港币 | 视账户类型，0–60 港币/月 | Must visit | Non-residents OK | ★ 4.4 |
| HSBC Hong Kong | Hong Kong, China | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.3 |
| ZA Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Standard Chartered HK | Hong Kong, China | Traditional Bank | 通常要求首存 1 万港币 | 不达标约 100 港币/月 | Must visit | Non-residents OK | ★ 4.2 |
| Hang Seng Bank | Hong Kong, China | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Non-residents OK | ★ 4.2 |
| Mox Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Airstar Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| WeLab Bank | Hong Kong, China | Virtual Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| Ant Bank (Hong Kong) | Hong Kong, China | Virtual Bank | 无最低存款门槛 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| ICBC (Asia) | Hong Kong, China | Traditional Bank | 一般要求首存 1 万港币 | 视账户类型，约 0–50 港币/月 | Must visit | Non-residents OK | ★ 4 |
| Fusion Bank | Hong Kong, China | Virtual Bank | 无最低存款要求（1 港元起存） | 零管理费 | Online | Not for non-residents | ★ 4 |
| Ping An OneConnect Bank (PAOB) | Hong Kong, China | Virtual Bank | 无最低存款结余要求 | 零管理费（个人储蓄账户免费） | Online | Not for non-residents | ★ 4 |
| CMB Wing Lung Bank | Hong Kong, China | Traditional Bank | 一般要求首存 1 万港币 | 视账户类型，约 0–50 港币/月 | Must visit | Non-residents OK | ★ 3.9 |
| Livi Bank | Hong Kong, China | Virtual Bank | 无最低存款金额（liviSave） | 免开户费、零管理费 | Online | Not for non-residents | ★ 3.9 |
6 of the 14 accounts on this page explicitly accept non-residents (HSBC Hong Kong, Bank of China (Hong Kong), Standard Chartered HK). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 8 of the 14 accounts can be opened fully online (ZA Bank, Mox Bank, Airstar Bank), with no branch visit; the remaining 6 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 10 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.