Hong Kong
activeNeobank
- HQ
- Hong Kong
- Fee
- Digital-bank SKU — confirm live
Airstar Bank
HKMA virtual bank. Xiaomi in the cap table. DPS up to HK$800k.
Rate this app
7.3Solid
AlternativesOur take
Desk verdict
Airstar is one of eight HKMA virtual banks. DPS is the safety line. Xiaomi is the shareholder, not the deposit. Ant Bank is the Alipay-shaped sibling, not a substitute licence.
Airstar Bank Limited got an HKMA virtual-bank licence in 2019 (Xiaomi majority, AMTD). Live 2020. HKD deposits, FPS, a 24-hour FX desk. Member of the Deposit Protection Scheme.
Airstar Bank lists Virtual / digital bank under HKMA in Hong Kong. On safeguarding we currently write: Hong Kong DPS up to HK$800,000 per depositor per bank. Holder / issuer line: Airstar Bank Limited. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Personal fees often waived — confirm live; FX 24/7 FX is the pitch; a spread still exists; ATM JETCO / network schedule. This desk would open it for: Hong Kong residents who want an HKMA virtual bank with a named DPS cap.
What it does well: HKMA bank; DPS HK$800k; FX hours. What to watch: HKID / residency; Not a UK/EU IBAN; Virtual-bank fee waivers can expire. Desk score 7.3 / 10 (safety 8.2, fees 7.8, features 7.4, app 7.6). Last verified 2026-08-28. Headquartered in Hong Kong, Hong Kong; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Hong Kong residents who want an HKMA virtual bank with a named DPS cap.
Pros
- +HKMA bank
- +DPS HK$800k
- +FX hours
- +Xiaomi distribution
Cons
- −HKID / residency
- −Not a UK/EU IBAN
- −Virtual-bank fee waivers can expire
- −Parent is a phone company
Account facts
- Platforms
- iOS · Android
- Account types
- HKD deposits · USD / CNY
- Partner bank
- Airstar Bank Limited
- Minimum balance
- HK$0
- Lowest monthly fee
- Personal fees often waived — confirm live
- Who can open
- Hong Kong residents
- Availability
- Hong Kong
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Bank-grade; still not freeze-proof
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Hong Kong DPS up to HK$800,000 per depositor per bank
Holder / issuer: Airstar Bank Limited
- HKMAVirtual / digital bank · Hong Kong
Fees
- Monthly
- Personal fees often waived — confirm live
- FX markup
- 24/7 FX is the pitch; a spread still exists
- ATM
- JETCO / network schedule
Features
- –IBAN
- –Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- HKD deposits
- FPS / CHATS
- USD + CNY
- 24-hour FX
- Personal loans
Score
- Safety25%
- 8.2
- Fees20%
- 7.8
- Features15%
- 7.4
- App15%
- 7.6
- Global15%
- 5.6
- Support10%
- 6.4
Change log
Full logLicence
HKMA virtual bank, DPS HK$800k
Xiaomi in the cap table. The shareholder is not the deposit. Member of the Deposit Protection Scheme.
Available in
FAQ
Is Airstar Bank a bank?+–
Airstar Bank holds a banking-style licence (HKMA). Still read the legal entity on the statement, not the app icon.
How is money protected?+–
Hong Kong DPS up to HK$800,000 per depositor per bank
Where is Airstar Bank available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Airstar Bank.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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