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Top 10 Highest Interest Savings Accounts in Hong Kong June 2026
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#1
Mox Save Account - Mox Bank
Mox Bank, an HKMA-licensed virtual bank backed by Standard Chartered, PCCW, HKT and Trip.com, operates exclusively through its mobile app and offers the Mox Save account. As of June 2026, it delivers the highest readily achievable all-in savings rate among HK retail banks, combining a competitive base rate with a substantial bonus tier for customers who salary-credit and make at least eight Mox card transactions monthly. The bonus applies to balances up to HK$200,000. No minimum balance is required to open the account, and all deposits are covered under the HKMA Deposit Protection Scheme up to HK$500,000 per depositor.
#2
ZA Savings Account - ZA Bank
ZA Bank, Hong Kong's first HKMA-licensed virtual bank, offers the ZA Savings Account with one of the city's most accessible high-yield structures. In June 2026, customers who meet the monthly salary credit and a minimum of five debit or credit transactions unlock a meaningful bonus rate on balances up to HK$300,000 — giving it a slightly higher eligible balance cap than Mox. The ZA app is consistently rated among the best banking apps in HK, supporting multi-currency features and an integrated securities account. No minimum balance or monthly fee applies, with HKMA DPS protection up to HK$500,000.
#3
WeLab Savings Account - WeLab Bank
WeLab Bank, an HKMA-licensed virtual bank majority-owned by the WeLab Group, targets digitally active HK residents seeking a straightforward high-yield savings product. Its savings account offers a competitive base rate with an enhanced bonus rate for customers who salary-credit and maintain monthly card spending, applicable on balances up to HK$200,000. WeLab's app features an AI-driven personal finance dashboard that sets it apart from competitors, offering spending analytics and savings goals. No minimum opening balance is required. As a licensed bank, deposits are covered under the HKMA Deposit Protection Scheme to a maximum of HK$500,000 per depositor per institution.