HK · HKD

Hong Kong digital banks

Eight HKMA virtual banks. Airstar (Xiaomi) and Ant Bank (Ant International) are the two on this desk from that licence class. DPS is for banks, not stored-value facilities.

5Live on NeoBankDB

Regulator

Hong Kong Monetary Authority (HKMA)

Deposit scheme

Deposit Protection Scheme up to HK$800,000 per depositor per bank (from Oct 2024)

In this market

Licence still sits on the product

Product	Score	HQ	Monthly	FX	Users	Licence
Airwallex	8.3	Singapore, Singapore	Account often free	Transparent conversion + payment fees; typically beats banks	150k businesses	Payments / EMI-class licences by market
Airstar Bank	7.3	Hong Kong, Hong Kong	Personal fees often waived — confirm live	24/7 FX is the pitch; a spread still exists	HK virtual-bank scale	Virtual / digital bank
Ant Bank	7.3	Hong Kong, Hong Kong	Digital-bank SKU — confirm live	HKD/USD dual savings; spread still exists	AlipayHK-adjacent	Virtual / digital bank — Ant Bank (Hong Kong) Limited
livi	7.1	Hong Kong, Hong Kong	Digital SKU — confirm live	Bank tariff	HK virtual-bank scale	Virtual bank — Livi Bank Limited. Deposit Protection Scheme member
Blonix	5.0	Mong Kok, Hong Kong	No monthly fee is printed on blonix.io.	Not published on blonix.io or in the store listings checked 3 October 2026.	10K+ Google Play installs	Not a bank. Card partner is unnamed.