Top10Grid Ranks The 5 Top 10 Highest Interest Savings Accounts in Hong Kong June 2026

Key Statistics

Top 5 Rankings

1. 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. 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. 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.

4. 4

   FusionSave Account - Fusion Bank

   Fusion Bank, the HKMA-licensed virtual bank backed by ICBC (Asia) and Tencent, targets HK residents who want institutional trust combined with digital convenience. Its FusionSave account offers a tiered bonus rate structure that rewards customers with salary credit and a minimum number of monthly transactions, applicable on the first HK$200,000. The account integrates seamlessly with WeChat Pay HK, making it attractive for users already active within the Tencent ecosystem. Mainland cross-border banking features give it a practical edge for frequent Greater Bay Area travellers. No minimum balance is required, and deposits are protected under the HKMA DPS up to HK$500,000.

5. 5

   Livi Savings Account - Livi Bank

   Livi Bank is an HKMA-licensed virtual bank jointly owned by BOC Hong Kong, JD Digits and Jardine Matheson, offering a savings account with a tiered rate structure aimed at HK residents who frequently shop online. In June 2026, the account provides a solid bonus rate for customers meeting salary credit and monthly transaction conditions, on balances up to HK$250,000. A notable differentiator is integration with JD.com's loyalty ecosystem, providing additional cashback benefits for qualifying purchases. No minimum opening deposit is needed, and deposits are HKMA DPS-covered up to HK$500,000 per depositor.

View the full ranking at https://dev.top10grid.com/top-10-highest-interest-savings-accounts-in-hong-kong-june-2026-1