【虛擬銀行】香港7間虛擬銀行活期利率比拼一覽 一間最高有3.6%利率

文: David Tse
2021.03.06

虛擬銀行於香港越開越多,金融管理局(金管局)一共向八間虛擬銀行發出牌照,其中七間包括:ZA Bank 眾安銀行、MOX Bank、livi Bank、Airstar Bank 天星銀行、Welab Bank
匯立銀行、Ant Bank 螞蟻銀行和PAO Bank。而活期存款利息較傳統銀行高的虛擬銀行,邊間息率又最高?一齊黎睇下啦!

ZA Bank 眾安銀行

ZA Bank有兩種利率,餘額為$500000或以下時為1%、$500000以上則是0.01%。

MOX Bank

MOX Bank $500000或以下為0.65%利率,$500000以上存款為0%。

livi Bank

livi Bank分3種利率:$50000以下為1%、$50000至$500000為0.5%、$500000以上為0.01%。

Airstar Bank 天星銀行

Airstar Bank有目前8間虛擬銀行中最高的活期存款利率,$20000或以下存款有3.6%利率,$20000以上至$100000降至0.5%,$1000000以上則是0.1%。

Welab Bank匯立銀行

Welab Bank不論餘額為0.1%,不過不失。

Ant Bank 螞蟻銀行

Ant Bank的活期存款利率則為第二高,$20000或以下存款有2.5%利率,$20000以上至$500000為1%,$500000以上為0.01%。

PAO Bank平安壹賬通銀行

最後一間PAO Bank,存款$500000或以下時為0.6%、$500000以上則是0.01%。

若大家僅打算儲一些閒錢於銀行,Airstar Bank 天星銀行的3.6%利率($20000或以下)相當吸引。但若考慮到金管局的存款保障計劃,將存款上限提升至保障金額$500000,ZA Bank 眾安銀行以及Ant Bank 螞蟻銀行的1%利率也是不錯的選擇。

來源:ZA Bank 眾安銀行、MOX Bank、livi Bank、Airstar Bank 天星銀行、Welab Bank 匯立銀行、Ant Bank 螞蟻銀行、PAO Bank

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