Hong Kong
activeNeobank
- HQ
- Hong Kong
- Fee
- Personal fees often waived — confirm live
livi
HKMA virtual bank. Livi Bank Limited. DPS HK$800k. BOC / JD / Jardines in the cap table — not the deposit.
Tap a star to jump to reviews
7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Virtual bank — Livi Bank Limited. Deposit Protection Scheme member (HKMA). Still read the entity on the statement.
If it fails?
DPS up to HK$800,000 per depositor per bank at Livi Bank Limited
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
Digital SKU — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.1
/10 · Solid
Livi Bank Limited is an HKMA virtual bank. DPS up to HK$800,000. Bank of China (Hong Kong), JD.com and Jardine Matheson sit in the cap table. They are not the deposit scheme. Airstar and Ant Bank are the other virtual banks on this desk. Liv in Dubai is Emirates NBD. Two spellings. Two countries. Two objects.
What it is
Hong Kong virtual-bank licence, 2019 vintage, live retail later. Directories smash livi and Liv because English is lossy. This desk keeps two slugs.
Best for: Hong Kong residents who want an HKMA virtual bank, not a wallet inside WeChat.
Last checked 2026-08-30. Not advice.
What it does well
- +Named HKMA virtual bank
- +DPS HK$800k
- +Same class as Airstar and Ant Bank
- +Shareholders are not the insurer
What to watch
- −Hong Kong-resident
- −Virtual-bank product set is thinner than HSBC
- −Name collision with Liv UAE
- −Not a travel FX champion
Who holds the money
The account
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
- livi 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
DPS up to HK$800,000 per depositor per bank at Livi Bank Limited
Who holds the money: Livi Bank Limited
- HKMAVirtual bank — Livi Bank Limited. Deposit Protection Scheme member · Hong Kong
Fees
- Monthly
- Digital SKU — confirm live
- FX markup
- Bank tariff
- ATM
- Network / FPS
- Interest
- Savings pitch — rates move
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- ✓Stocks
- –Business
- –Kids
- –Halal
- HKD virtual-bank current / savings
- DPS HK$800k
- FPS
- HKMA
- Shareholders ≠ scheme
Score
- Safety25%
- 8.2
- Fees20%
- 7.6
- Features15%
- 7.0
- App15%
- 7.8
- Global15%
- 4.2
- Support10%
- 6.6
Change log
Full logLicence
Livi Bank Limited — HKMA virtual bank, DPS HK$800k
BOC / JD / Jardines are shareholders, not the scheme. Not Liv UAE.
Available in
Straight answers
FAQ
01Is livi a bank?
livi holds a banking-style licence (HKMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
DPS up to HK$800,000 per depositor per bank at Livi Bank Limited
03Where is livi available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with livi.
04Card and wallets?
livi 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 livi 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.
Alternatives
activeNeobank
- HQ
- Hong Kong
- Fee
- Digital-bank SKU — confirm live
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal