Livi Bank Savings Account

Livi Bank (a BOC and JD.com joint venture virtual bank) offers a HK$0 minimum balance savings account with a headline rate of 3.4% p.a. in 2026, paid monthly with compound interest — the compounding feature alone adds approximately 0.05% effective yield over annually-paid competitors. The Livi app provides automatic savings rules (save HK$50 whenever you spend on food delivery, for example), making it the most behaviour-forward savings product in the HK market for millennial and Gen Z savers.