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Top 10 Best Savings Accounts and Time Deposits in Hong Kong 2026
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#1
ZA Bank Time Deposit
ZA Bank consistently offers Hong Kong's highest time deposit rates for retail customers, with promotional 1-month rates reaching 4.0-4.5% p.a. (HKD) in 2026 for new funds — substantially above the 2-3% offered by traditional banks. The minimum deposit is just HK$10,000, deposits can be opened 24/7 via app in under 60 seconds, and auto-rollover is configurable. ZA Bank is licensed by the HKMA and deposits are protected under the Deposit Protection Scheme up to HK$500,000 per depositor.
#2
Mox Bank Savings Account
Mox (a virtual bank backed by Standard Chartered, HKT, and PCCW) offers a high-yield savings account with no minimum balance and no lock-in period — a rare combination in HK banking. The base savings rate of 3.6% p.a. (HKD) in 2026 is among the highest available on a demand deposit basis, meaning funds remain fully liquid. Mox's round-up savings feature automatically transfers cents rounded up from each debit card transaction into a savings pot, accelerating balance accumulation for disciplined savers.
#3
DBS Multiplier Account
DBS Multiplier Account rewards customers for consolidating their financial life with DBS — crediting salary, making credit card spend, taking a home loan, and investing through DBS all unlock progressively higher savings rates. The maximum rate reaches 3.8% p.a. on balances up to HK$100,000 when three or more product categories are fulfilled. For existing DBS mortgage or investment customers, this is the most rewarding savings account available from a traditional bank — effectively monetising relationship depth rather than offering one-size-fits-all pricing.