8 Best Business Accounts in Hong Kong (2026)

The monthly fee is the least useful number in a Hong Kong business account comparison.

That sounds strange in a guide full of fees. But before any fee matters, two questions decide whether you get an account at all. Does every director hold a HKID? And can you finish the application without flying to Hong Kong?

Get either answer wrong and the cheapest account on this list never opens.

This guide compares the eight main options for Hong Kong-incorporated companies: what each account is built for and who it will actually accept, with the fees that come attached. After two decades working across Asia as an investor and founder, I have watched founders lose weeks to the wrong first application. This is the comparison I would hand them.

I am the founder of Statrys, which is included in this guide. I have applied the same evaluation framework to every provider. This guide covers the most widely used options for Hong Kong-incorporated companies. It is based on a review of each provider's official pricing pages, publicly available terms, and product documentation as of October 2026.

Quick Answer: Which Account Fits Your Company?

• Non-residents and overseas directors: Statrys. Fully online application, passport accepted, no HKID required.
• HKID holders wanting no monthly fee: OCBC. No monthly fee and no minimum balance, with same-day digital onboarding in some cases.
• Digital-first startups with a HKID: ZA Bank or livi. Fully online, fast onboarding and access to business loans.
• Established businesses needing full banking infrastructure: DBS or HSBC. The broadest product range, including lending, investment and trade finance.
• Local Hong Kong businesses wanting integrated savings and investment: Hang Seng or BEA.

Most traditional banks in Hong Kong require all directors to hold a HKID for online applications.

Quick Comparison: 8 Best Business Accounts in Hong Kong

Fees are the published minimum for each provider. Always confirm directly with the provider before applying.

Read the table by row, not by column. The fee that matters is the one attached to your ownership structure.

Can Non-Residents Open a Business Account in Hong Kong?

Yes, but the options are narrower. Most Hong Kong banks require every director and shareholder to hold a HKID for their standard online application. Without one, you are typically sent to a branch or a video call. DBS, for example, says foreigners without a permanent HKID may be invited to join a video conference or a face-to-face meeting.

Providers fall into three categories, and each handles non-residents differently:

Banks typically ask for the Certificate of Incorporation, the Business Registration Certificate, the Articles of Association, and ID and proof of address for each director and shareholder. Some also want a board resolution or proof of business activity, and offshore companies may need a certificate of incumbency. Requirements vary by provider.

Statrys asks for passport copies of all directors and shareholders and the Business Registration Certificate (BRC), the document that shows your company is registered to trade in Hong Kong. There is no initial deposit and no minimum balance. Over 10,000 businesses use Statrys accounts, and 96% of clients opened their accounts within 3 business days.

For more guidance, read our guide on why opening a business account in Hong Kong is difficult and our walkthrough of opening a business account in Hong Kong as a non-resident.

The 8 Best Business Accounts in Hong Kong (2026)

"Best" here means best for a specific kind of company, judged on eligibility, real cost, currencies, speed and room to grow. The providers cover fintech Money Service Operators, virtual banks and traditional banks. Each section follows the same order: what the account is, who can apply, what it costs and where it falls short.

1. Statrys Multi-Currency Business Account

Statrys is a Hong Kong fintech founded in 2020 and licensed as a Money Service Operator (MSO) on the Hong Kong Customs and Excise register. It is a payments provider, not a bank.

The account holds 11 currencies under one account number, converts with FX fees from 0.1% on major currencies, and sends payments to over 120 countries. Everything runs remotely, with a dedicated account manager. Statrys also offers company registration and accounting services on the same platform, so the account and the bookkeeping sit behind one login. That is one integrated back office instead of several providers to coordinate.

Who can apply: Companies incorporated in Hong Kong, Singapore or the BVI can apply fully online. Non-residents and overseas directors apply with passport copies, with no HKID and no branch visit. The main documents are the passports of directors and shareholders plus the Business Registration Certificate.

Highlighted features and fees

• No opening fee and no minimum deposit. No monthly fee, though an HKD 88 inactivity fee applies in a month with no qualifying outbound payments. Check Statrys's pricing page for the current rule.
• Hold 11 currencies: HKD, USD, EUR, GBP, SGD, AUD, CAD, CHF, JPY, NZD and RMB.
• Local payouts to 15 countries, which are faster and cheaper than SWIFT.
• SWIFT transfers to over 120 countries, with an MT103 document (the proof-of-payment record banks exchange) and real-time tracking.
• FX fees from 0.1% on major currencies and from 0.15% on INR, IDR, PHP, KRW, THB, TRY and VND, based on mid-market rates.
• Local currency account details in the UK, Germany, Luxembourg, Denmark, Liechtenstein and Australia, added from your dashboard with no separate application.
• Mastercard® physical and virtual cards. Virtual cards are free. Physical cards are free for delivery in Hong Kong and mainland China, and cost HKD 300 for delivery elsewhere. Overseas spend in non-HKD currencies and ATM withdrawals cost 1.99%.
• Integrations with Xero, Shopify, Stripe and PayPal.
• A dedicated account manager by phone, email, WhatsApp or WeChat.

2. OCBC Bank (Hong Kong) SME Business Account

Formerly Wing Hang Bank, OCBC Bank (Hong Kong) has been a subsidiary of Oversea-Chinese Banking Corporation of Singapore since 2014. For founders who hold a HKID and want a traditional account at zero monthly cost, it is a strong option in this list.

Who can apply: Hong Kong-registered sole proprietorships, partnerships or limited companies with up to two partners or directors. The business owner and all relevant parties (partners, directors, beneficial owners and authorised signatories) need a Hong Kong Permanent ID Card. No corporate shareholders.

Highlighted features and fees

• HKD 0 monthly fee and no minimum balance on accounts opened through OCBC's online account page.
• No opening fee when you deposit HKD 10,000 or more digitally within four calendar months of opening. Without that deposit, the standard opening fee applies.
• Account opening in as little as 24 hours, subject to the bank’s review. A face-to-face appointment may still be required.
• Hold and convert up to 15 major currencies.
• A Business Debit Card for online and in-store payments, with no annual fee in the first year.

3. ZA Bank Business Account

ZA Bank launched in 2020 as Hong Kong's first virtual bank to go fully live. It is owned by ZhongAn Technologies International Group and runs entirely through its mobile app, with no physical branches. It suits digital-first businesses that want everyday accounts, savings, local and international transfers, and access to business financing in one app.

Who can apply: Online applications are open to companies where every business owner holds a valid HKID, with a simple structure of up to three partners or four shareholders and no corporate shareholders.

Highlighted features and fees

• HKD 1,500 charged upfront at opening, which prepays the first 12 months of service fees. From month 13, the fee is HKD 138 a month, waived when your total relationship balance with ZA Bank stays at HKD 50,000 or more.
• If the account cannot be opened online, a relationship manager takes over and the fee is at least HKD 11,000.
• 11 savings currencies, with time deposits in HKD, CNY and USD.
• Local transfers through FPS (the Faster Payment System) and CHATS (the HKD clearing network), plus international transfers and FX.
• Application in as little as 6 minutes and account opening in as little as 1 working day for a simple company with HKID-holding owners.
• Business loans of up to HKD 4,000,000 for companies operating for at least 1 year.

Want to know more? Read our ZA Bank Business Account Review and our step-by-step guide on how to open a ZA Bank account.

4. DBS Bank (Hong Kong) Business Account

DBS has operated in Hong Kong since 1999. Its multi-currency business savings account holds HKD, USD and RMB, plus up to 11 other currencies in separate wallets under one account number. As a full-service bank, DBS also offers lending and trade finance products as your business grows.

Who can apply: Online opening is built for Hong Kong-incorporated companies where every owner holds a HKID (same working day) or at least one holds a PRC Resident Identity Card (as fast as 5 working days). Other cases may be invited to a video conference or an in-person meeting.

Highlighted features and fees

• Opening fee from HKD 1,200 for local companies, and from HKD 10,000 for overseas companies and special companies, according to DBS's published fee table. A Hong Kong company whose ultimate beneficial owners are not permanent Hong Kong residents counts as a special company.
• An annual administration fee of at least HKD 5,000 for overseas and special companies.
• HKD 250 monthly fee if your average deposit balance falls below HKD 50,000.
• An initial deposit of HKD 10,000 is required at opening.
• 14 savings currencies, including HKD, USD and RMB, with the option to add a current account and a fixed deposit account.
• Instant FPS transfers with a high transaction limit and cash rebates, and 24/7 FX with custom watchlists and price alerts.
• Real-time tracking of SWIFT payments through SWIFT gpi (the network's payment-tracking service).

5. livi Business Account

livi Bank launched in 2020, backed by Bank of China (Hong Kong), JD Technology (the fintech arm of JD.com) and Jardine Matheson. It runs entirely through its mobile app. Its business account focuses on simple, fast onboarding, with approval in some cases possible within 24 hours and, for eligible applicants, without submitting documents.

Who can apply: Single-layered companies where the ultimate beneficial owner, director or controller holds a HKID or Mainland Resident Identity Card, fully online. There is no restriction on operating history.

Highlighted features and fees

• HKD 1,200 general account opening fee, which includes a HKD 300 company search. A further HKD 3,000 applies to special company types, such as structures with more than three layers or owners and directors who do not hold a Hong Kong ID card. That makes HKD 4,200 in total for those companies. See livi's fee schedule.
• The HKD 1,200 is charged whether or not the account is approved.
• 100% digital onboarding, potentially within 24 hours.
• HKD, CNY and USD for savings and transfers, with time deposits in HKD.
• Instant HKD and CNY through FPS, and USD through RTGS (the real-time gross settlement system).
• Up to HKD 18,000,000 in business finance through livi’s SME Financing Guarantee Scheme (SFGS) loan, with repayment up to 10 years and no collateral required. The company must have operated in Hong Kong for at least one year.

6. Hang Seng Bank Business Account

Hang Seng Bank was established in 1933. It offers two business account tiers: Biz Virtual+ for startups and local SMEs, and the Integrated Business Solutions (IBS) Account for established businesses.

Who can apply: For Biz Virtual+, every connected party (directors, shareholders and authorised signers) must hold a HKID, ownership must be single-layer, and the place of incorporation and all addresses must be in Hong Kong. Contact Hang Seng for other situations.

Highlighted features and fees

• A HKD 1,000 administration fee when you apply remotely, plus HKD 300 if the application goes through a Business Banking Centre. A HKD 150 company search fee applies for local companies, and the IBS Account carries HKD 10,000 for overseas companies.
• A HKD 200 monthly fee. Biz Virtual+ is free for the first 12 months, after which the fee is waived at HKD 50,000 or more in total relationship balance. The IBS Account charges HKD 200 from the first month unless total relationship balance is HKD 100,000 or more.
• Account opening in 3 business days for Biz Virtual+ and 5 business days for the IBS Account.
• Free online payroll services.
• A Mastercard®, UnionPay or Visa commercial card.

7. HSBC Business Integrated Account

HSBC is one of the largest banks operating in Hong Kong. Its Business Integrated Account combines savings, current and time deposit accounts with an investment account under one account number, in HKD, RMB and ten other currencies. It comes in three tiers: HSBC Sprint Account for digital-savvy local startups, HSBC Business Direct for growing SMEs and BusinessVantage for well-established SMEs.

Who can apply: Companies that are incorporated and operating in Hong Kong. Remote account opening is available but subject to approval, and it may not be available to directors without a HKID.

Highlighted features and fees

• A HKD 1,300 application fee online or through the mobile app, and HKD 1,600 on paper. Overseas companies pay HKD 11,000, and so do special companies with three or more ownership layers, according to HSBC's August 2026 tariff.
• A monthly service fee set by tier, waived when your average total relationship balance over the previous three months stays above the threshold:

• Savings, current and time deposit accounts, plus investment and loan facilities.
• Complimentary payroll services and commercial cards.
• Same-day remittance to mainland China for higher-tier customers.

Prefer the detail? Read our HSBC business account review and our step-by-step guide on how to open an HSBC business account online.

8. Bank of East Asia CorporatePlus Account

Bank of East Asia (BEA) was founded in 1918 and has branches and representative offices in Singapore, Malaysia, the UK and the US. Its CorporatePlus Account combines savings, current, time deposit and investment accounts under one account number, with physical corporate cards.

Who can apply: Most business entities can apply. The online application is limited to sole proprietorships, partnerships, or limited companies with up to three individual directors or shareholders and no corporate parties. A branch visit is required for application signing. Other entity types can also apply, but cannot complete the process online. They include trustees, statutory bodies, government agencies, charitable organisations, societies, clubs and associations.

Highlighted features and fees

• A HKD 200 monthly fee, waived if the average daily balance exceeds HKD 50,000.
• A HKD 800 opening fee for standard companies and HKD 10,000 for special companies.
• A HKD 10,000 initial deposit.
• One account number covering current, savings, time deposit and investment sub-accounts, with HKD, RMB and USD time deposits. Optional add-ons include a USD current account, securities and linked deposit accounts.
• Salary payments in HKD or RMB to any local bank on a chosen date, with MPF (Mandatory Provident Fund) contributions calculated automatically.
• A card that supports cash withdrawals, deposits, transfers and bill payments.
• Investment options including stocks, funds, bonds, linked deposits and IPO subscriptions.

What Makes a Good Business Account in Hong Kong?

Five criteria matter most for cross-border SMEs and overseas founders: eligibility, real FX cost, currency support, opening speed and room to grow. Most fee tables focus on the monthly charge, which is rarely the most important number.

• Eligibility: Can you actually open it? For non-residents, HKID requirements rule out most traditional banks for online applications.
• Opening speed and process: Some accounts open in a day for simple HKID-holding structures. Others take weeks or need in-person meetings for any overseas element.
• Real cost: The monthly fee is a starting point. Add FX markups, balance-related fees, opening charges and international transfer fees. An account with no monthly fee and a 1.5% FX margin costs HKD 750 on a HKD 50,000 conversion. An account with a monthly fee and a 0.1% margin costs HKD 50 on the same trade.
• Currency support: How many currencies can you hold, receive and pay out in, and does the provider support local payouts in your key corridors?
• Room to grow: Can the account handle multi-user access, accounting integrations, higher transfer limits and FX tools as your business grows?

How to Choose Based on Your Directors and Owners

Start with who sits on your cap table, because that decides which accounts will even open.

Still not sure which account suits your company? Take this business account quiz, answer a few questions about your business and get a tailored recommendation in minutes.

Find the Right Business Account for Your Company

Getting a business account in Hong Kong often takes longer than founders expect. You have to find a provider that accepts your specific company type, then check whether its fees and features fit. To help, we have researched and published in-depth business account reviews. The next step after choosing is opening the account, which our guide on opening a business account in Hong Kong covers.

If you are a cross-border SME, an overseas founder, or a company incorporated in Hong Kong, Singapore or the BVI, Statrys offers a fully online application trusted by over 10,000 businesses.