livi

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.

Hong Kong virtual-bank licence, 2019 vintage, live retail later. Directories smash livi and Liv because English is lossy. This desk keeps two slugs.

livi lists Virtual bank — Livi Bank Limited. Deposit Protection Scheme member under HKMA in Hong Kong. On safeguarding we currently write: DPS up to HK$800,000 per depositor per bank at Livi Bank Limited. Holder / issuer line: Livi 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 Digital SKU — confirm live; FX Bank tariff; ATM Network / FPS; interest Savings pitch — rates move. This desk would open it for: Hong Kong residents who want an HKMA virtual bank, not a wallet inside WeChat.

What it does well: Named HKMA virtual bank; DPS HK$800k; Same class as Airstar and Ant Bank. What to watch: Hong Kong-resident; Virtual-bank product set is thinner than HSBC; Name collision with Liv UAE. Desk score 7.1 / 10 (safety 8.2, fees 7.6, features 7.0, app 7.8). Last verified 2026-08-30. 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.