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.
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7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Virtual / digital bank (HKMA). Still read the entity on the statement.
If it fails?
Hong Kong DPS up to HK$800,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Personal fees often waived — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
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.
What it is
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.
Best for: Hong Kong residents who want an HKMA virtual bank with a named DPS cap.
Last checked 2026-08-28. Not advice.
What it does well
- +HKMA bank
- +DPS HK$800k
- +FX hours
- +Xiaomi distribution
What to watch
- −HKID / residency
- −Not a UK/EU IBAN
- −Virtual-bank fee waivers can expire
- −Parent is a phone company
Who holds the money
The account
- 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 money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Airstar Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Hong Kong DPS up to HK$800,000 per depositor per bank
Who holds the money: 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
Straight answers
FAQ
01Is Airstar Bank a bank?
Airstar Bank holds a banking-style licence (HKMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Hong Kong DPS up to HK$800,000 per depositor per bank
03Where is Airstar Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Airstar Bank.
04Card and wallets?
Airstar Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Airstar Bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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